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 Message Thank you! Oops! Related Content U.S. Personal Savings Rate What can be learned from the savings rate? How to Cut Your Expenses Living with confidence means living within your means. managers. Infographic: How to Talk to Millennials About Life Insurance Only 23% of millennials say they understand term life insurance. Did you know that parents play a more significant role in planning with this generation, than any other?