Thanks for the info TraderBob. I missed that about the tax on an "advantage". I only looked into it because I realized after the fact, that I had over contributed. I figuired paying the 1% a month on the over contribution wasn't a big deal since it will only be 4 months. I will have to re-evaluate my situation I guess.

This board is great for getting info and help on trading, so many things to know! Thanks for everyone helping everyone out!