RE: Retirement How does your ideal retirement differ from reality, and what can we do to better align the two? Share | Related Content Don't Buy The Hype There are a lot of misconceptions about Social Security. Here’s the truth about three of them. Choices for Your 401(k) at a Former Employer Individuals have three basic choices with the 401(k) account they accrued at a previous employer. Self-Employed Retirement Plans Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.