Tim sez:<<If I remember correctly, part of an answer that our resident expert TMFPixy posted in the last few days/week included the statement that the 6% penalty continues every year until the excess is removed. I'm assuming from your post that you thought it might be a one time hit.A 6% PER YEAR penalty could really eat into the returns...>>Great post. Not only did you pay attention, you remembered! You earn today's Gold Star and may be first in line at the cafeteria. :-)Best.........Pixy
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