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 Message Thank you! Oops! Related Content Avoiding Cognitive Decline Try these activities to keep your brain sharp. Insurance Needs Assessment: When You're Young and Single Even if you’re young and single, you should still consider protecting yourself. Recognizing the Challenges of Custodial Care The goal for most, when planning for retirement, is to ensure financial independence and never run out of money.