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<<You don't mention whether you are going to pay penalties or start the substantially equal payments or are already 59.5. I assume you have accounted for those in your comparison.>>

There are no penalties when used for higher education expenses according to the IRS website.

<<Is income low enough to convert to a Roth this year? That could be a bigger savings. >>

Not even close. Besides, I really don't want any more retirement savings. The Rocket Scientist and I are mid-40s and with what we have, and the continuing matched 401K contributions, it is more than enough. (When you start this stuff in your 20's, it really does add up;)

Jacki
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