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 Infographic: Risks at Retirement Make a plan to take these risks off the table. 3 Ways to Save Without Tax Deferral Tax deferral versus tax-efficient vehicles like Roth 4019k)s, Roth IRAs and Life Insurance. Healthcare Costs in Retirement Without a solid approach, health care expenses may add up quickly and potentially alter your spending.