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 Cycle of Investing Understanding the cycle of investing may help you avoid easy pitfalls. What Is My Current Cash Flow? Assess whether you are running “in the black” or “in the red” each month. Contributing to an IRA? Determine if you are eligible to contribute to a traditional or Roth IRA.