Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content Ready for Retirement? Are you ready for retirement? Here are five words you should consider. Should You Borrow from Your 401(k)? Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase? An Inside Look at Retirement Living A number of questions and concerns need to be addressed to help you better prepare for retirement living.