Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content RE: Retirement How does your ideal retirement differ from reality, and what can we do to better align the two? Traditional vs. Roth IRA One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.