Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content A Fruitful Retirement: Social Security Benefit Taking your Social Security benefits at the right time may help maximize your benefit. What's New for Social Security? There have been a number of changes to Social Security that may affect you, especially if you are nearing retirement. Saving for Retirement This calculator can help you estimate how much you may need to save for retirement.