24) All of the following is good advice on retirement planning and savings except A) take advantage of tax savings. B) if you are eligible for Social Security, you will not need to worry about additional savings. C) start early. D) take advantage of employer plans. 25 ) Which of the following is not a characteristic of a traditional IRA? A) A 10% penalty normally applies if funds are withdrawn before age 5912. B) Individuals over 50 are allowed to make additional catch-up contributions. ) For a married couple, the contribution limit doubles. D) Everyone is eligible for deductible contributions regardless of income