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 Retirement Redefined Around the country, attitudes about retirement are shifting. When Should You Take Social Security Monthly Social Security payments differ substantially depending on when you start receiving benefits. Self-Employed Retirement Plans Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.