Don't Buy The Hype There are a lot of misconceptions about Social Security. Here’s the truth about three of them. 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. When Should You Take Social Security Monthly Social Security payments differ substantially depending on when you start receiving benefits. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.