Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content Should You Tap Retirement Savings to Fund College? There are three things to consider before dipping into retirement savings to pay for college. 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.