Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content Couples and Money Did you know money is a leading cause for break-ups and divorce among couples? Think of Retirement in Terms of Monthly Income When you think of planning for retirement, like most individuals, you probably visualize a number. The reality is that most individuals think in terms of an account balance at retirement. Financial Hacks for Millennials: Slay Your Student Debt Student debt has become a reality for one in three U.S. citizens between the ages of 18 and 29, amounting to a nationwide debt of $1.5 trillion. And it can take a toll– not only on your wallet— but on your mindset.