On Halloween Eve, Don takes four listener questions about starting young, retiring early, managing risk, and making the most of Social Security. The costumes may be spooky, but the answers are practical. First, he weighs whether an 18-year-old without earned income should keep an Acorns account or move to a taxable brokerage account. Then he explains why someone retiring before 59½ may still benefit from pre-tax workplace contributions, with Rule 72(t) and Roth basis providing potential brid...