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 A Fruitful Retirement: Social Security Benefit Taking your Social Security benefits at the right time may help maximize your benefit. How Will Working Affect Social Security Benefits? Knowing the rules may help you decide when to start benefits. My Retirement Savings Estimate how long your retirement savings may last using various monthly cash flow rates.