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AJ, thanks for the reply. I know what will be best for men now given your primer...even though I will continue contributions, it is the estimated taxes on which I need to concentrate. I used to pay those previously, but had stopped. Didn't seem to effect me too much, but for some reason, it is starting to, and my refunds have been less and less. I will set up the account to do so (used to mail them in), and I guess I can just throw some here and there on a weekly basis if I choose, according to the IRS site.

Thanks again, this tells me exactly what I need to do...
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