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 Did Father Know Best About Financial Decision-Making? “Listen, money doesn’t grow on trees.” Mortgages in Retirement Explore the benefits and drawbacks to paying off your mortgage prior to retirement with this article. Choices for Your 401(k) at a Former Employer Individuals have three basic choices with the 401(k) account they accrued at a previous employer.