Hi gilder20,
I hope you are having a great day! You will not incur any problems with the IRS for not having withholding from one of your income sources. When file a tax return, the tax liability is calculated and the withholdings , regardless of the source, reduce the tax liability. The important issue is to have enough tax withheld throughout the year, which you have accomplished through additional withholdings on your wages.
Each taxpayer financial situation is unique and we are not able to determine what is the best investment tool for you in regards to leaving the funds in the 401k or an interest savings account.
I hope this information is helpful!
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