It is not a matter of not having enough expenses to match up- we can make it work in either 2022 OR 2023 but was just curious given the market if we could wait as long as possible into 2023. We could transfer to a sibling as well who will be a Freshman Fall 2023, but just didn’t want to revisit the whole possible impact on CSS/FAFSA scenarios of that. Maybe it is safest to use while our '23 grad is still enrolled- all I could find was the tax year had to match up so I thought we could possibly withdraw later in 2023 without penalty.