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 Don't Buy The Hype There are a lot of misconceptions about Social Security. Here’s the truth about three of them. Should You Borrow from Your 401(k)? Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase? Inflation & Retirement Estimate how much income may be needed at retirement to maintain your standard of living.