[kunoichi]

I was in much of the same situation as you not too long ago. I was going to fund my IRA but ended up sending it to my ING savings account. As it turns out, I had to use the money and I was glad I had it "right there". Still I think in a situation like this where there is no penality on the contrabutions themselves, it is really up to how you want to handle the situation. I know many people who would cry foul, but if it works for you, then go with it.