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 The Lowdown on Those Free Credit Scores What’s the deal with your yearly free credit report? Is Term Life Insurance for You? Term insurance is the simplest form of life insurance. Here's how it works. Retirement Traps to Avoid Beware of these traps that could upend your retirement.