Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Have A Question About This Topic? Address Thank you! Oops! Related Contents Women and Retirement Women must be ready to spend, on average, more years in retirement than men. Social Security: What’s Changing in 2016? There have been a number of changes to Social Security that may affect you, especially if you are nearing retirement. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.