Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content Should You Tap Retirement Savings to Fund College? There are three things to consider before dipping into retirement savings to pay for college. Catch-Up Contributions Workers 50+ may make contributions to their qualified retirement plans above the limits imposed on younger workers. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.