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Investing earlier tends to outperform DCA

This year the make is 6.5k not 6k just FYI. If you can max it now and still have savings for an emergency max it now. If that would eliminate all your savings then just add to it each month.

> until 12/2023?

Btw for Roth IRA you have until tax day the following year to contribute. The money you're putting in is already taxed so it doesn't even matter if you've already filed your taxes.
Which means like right now, you can still contribute up to 6000 to 2022 Roth IRA until April 18, even if you already filed your taxes for 2022.
Then you can add up to 6500 for 2023 whenever you want from now until April 15 next year.
Just fyi

I’m at 25k on savings, 3month emergency fund is 5k. Thanks!

Thanks!

Whaaaaat?!!! I was not aware of that. So in this calendar year I can invest essentially whatever is left from 2022 + 2023?!

The sooner it goes into a Roth IRA, the sooner you get to stop posting taxes on the earnings.

Generally, time in market wins over longer time horizons; so, lump sum.

i mean if one month of your expenses is truly only $1.6k then sure you can just put 6.5k into Roth from savings now.

> in this calendar year

For 2022 contributions, only until tax day 2023, which is April 18 this year.

Thanks man! I saw Schwab portal let’s you specify which tax year on deposit, so good stuff