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 The Business Cycle How will you weather the ups and downs of the business cycle? 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? Diversification, Patience, and Consistency Three important factors when it comes to your financial life.