Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content How Solid is Your Offensive Line? As quarterback of your life, here’s a fun way to think about protecting your financial future. Thanks, Mom! When it comes to managing your personal finances, there’s plenty of complex advice out there. But often, simpler is better. 12 Steps to Living: Horizon, Risk Tolerance, and Compounding Understand the concepts of horizon, compounding, and risk tolerance, and create an investment plan.