Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Contents Women and Retirement Women must be ready to spend, on average, more years in retirement than men. Three Key Questions to Answer Before Taking Social Security When to start? Should I continue to work? How can I maximize my benefit? Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.