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 Contents Don't Buy The Hype There are a lot of misconceptions about Social Security. Here’s the truth about three of them. Three Key Questions to Answer Before Taking Social Security When to start? Should I continue to work? How can I maximize my benefit? Annuity Comparison This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.