Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Have A Question About This Topic? Address Thank you! Oops! Related Contents A Fruitful Retirement: Social Security Benefit Taking your Social Security benefits at the right time may help maximize your benefit. 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. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.