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 Should You Tap Retirement Savings to Fund College? There are three things to consider before dipping into retirement savings to pay for college. IRA Withdrawals that Escape the 10% Tax Penalty The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown. Saving for Retirement This calculator can help you estimate how much you may need to save for retirement.