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Relative to the first reply I would add the con that when you transfer money from pre-tax savings account to the post tax, ready to withdraw, savings account, it takes 3-5 days for the cash transfer to go through. Its an electronic funds transfer and should go through the same day or no more...

I have splurged on hobbies I previously did not have time for including astronomy and its associated equipment, electronic design, woodworking and quad copter drones.