I've contributed to my grandkids 529 Education accounts for years, and there's probably more than will ever be used. Yet I still contribute to take advantage of NYS's $10K income tax deduction (6.57% marginal tax bracket). I know there's a 10% penalty on earnings for unqualified withdrawals. I figure I can leave the money in the accounts until after I've retired and in a lower tax bracket, but wonder if I should just stop funding and lose the deduction. Any comments?