I've been thinking/reading about 529s for some time and I have not yet pulled the trigger. I'm concerned about the flexibility of the account. Let's say I put a bunch of money in there and my child doesn't use it all. Can I get that money back *without a penalty*? I don't think so. What if she doesn't go to college at all? Again, can I get my money back without a penalty?I'm being theoretical at this point, but it's enough to give me significant pause. Anyone else have these concerns? Can anyone enlighten me if my thinking is incorrect? And if my thinking is NOT incorrect, why would it still be worth it to me?Thanks...
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