You got a better memory than I do. That job lasted less than a year before the economy took another victim. I agree about the 10% of taxable income calculation and the timing of it all. I know that a standard IRA allows you to make contributions up until April 15. I did not know you could reverse a transaction if you deposited too much. Good for you for managing your own stuff! I'm coming up on the age where I have to make mandatory 401(k) withdrawals. I've left the money in there to keep accruing tax-deferred gains, but there ain't been none for a while.