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 Content Insurance Needs Assessment: Married With Children When you’re married and have children, insurance needs will be different. Should I Pay Off Debt or Invest? This calculator will help determine whether you should invest funds or pay down debt. Should You Ever Retire? A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.