New to Site 42 and a lot to learn

[ace8]

I am not sure if you can take money out of tIRA for education without penalty. Will have to look into that. Thanks for the suggestion! That would possibly knock almost a year off of my "problem."

Here is an Investopedia page that indicates distributions are allowed without the 10% penalty.

I would contact the plan custodians and discuss with them how it would work, logistically.

You need to look at the tax angle. Having peak earning years with multiple kids in college funded by early distros would reduce the attractiveness of this option.