Halloween is now just three days away. The prepared have already purchased the best costumes and the candy favorites coveted by trick or treaters. Americans have spent a lot of money getting ready — more than $9.1 billion in candy, costumes and Halloween decorations. According to recent reports, if you were to boycott Halloween for your entire life — keeping the porch light off and pretending not to be home when the kids come trick or treating and not spend the $168 annually most people put into it — by the age of 65, you would have added $12,000 to your savings account.