go to calculate it based on your AGI to see how much deductible for you. most probably it will not be審. even if it is audited, it is ok as long as you have reason. You are not tax expert;) it is ok for you to make such kind of " mistate". BU危險 ,值!
Vest means after a period of time, you can get the money out without any penalty if you mean retirement plan.
I do not know your situation. Hard to give u suggestions. But if you have kids, at least u can set up 529 plan(I guess maybe u already got one)