Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content Should You Tap Retirement Savings to Fund College? There are three things to consider before dipping into retirement savings to pay for college. When Should You Take Social Security Monthly Social Security payments differ substantially depending on when you start receiving benefits. A Look at Systematic Withdrawals This calculator may help you estimate how long funds may last given regular withdrawals.