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 Women and Retirement Women must be ready to spend, on average, more years in retirement than men. Your Changing Definition of Risk in Retirement A change in your mindset during retirement may drive changes to your portfolio. My Retirement Savings Estimate how long your retirement savings may last using various monthly cash flow rates.