Retirement plan

Q: When I started working, I took out an educational plan for my children. However, they misinterpreted my plan for a retirement plan. Am I allowed to use the money from this retirement plan even though the intention was for an educational plan?

Greeting non-Muslims

Q: I work with non-Muslims so the following situations arise:

1. How should I greet them because if I do not greet them then they feel offended?

2. When they say seasons greetings or compliments of the season at December time, how should I reply?