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 When Should You Take Social Security Monthly Social Security payments differ substantially depending on when you start receiving benefits. The Pros and Cons of a NUA Strategy Learn the advantages of a Net Unrealized Appreciation strategy with this helpful article. Retirement Redefined Around the country, attitudes about retirement are shifting.