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 Pros and Cons of a NUA Strategy Learn the advantages of a Net Unrealized Appreciation strategy with this helpful article. Contributing to an IRA? Determine if you are eligible to contribute to a traditional or Roth IRA. Paying Off a Credit Card Enter various payment options and determine how long it may take to pay off a credit card.