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. How Will Working Affect Social Security Benefits? Knowing the rules may help you decide when to start benefits. Roth 401(k) vs. Traditional 401(k) This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).