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 18 Years Worth of Days The average retirement lasts for 18 years. Are you prepared to fill that many days? Certain Uncertainties in Retirement The uncertainties we face in retirement can erode our sense of confidence. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.