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weiner_forest t1_iye40vv wrote

Time in market beats timing the market. Therefore, the earlier you invest, the better.

However, you shouldn't be adding to investments without a funded emergency fund where you feel comfotable. The only exception might be when you approach the end of the year and haven't maxxed out your contributions yet.

Since that's not the case for you, I'd get your efund to where your comfortable first. You got plenty of time (12 months).

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RelishMule t1_iye8lba wrote

> The only exception might be when you approach the end of the year and haven't maxxed out your contributions yet.

Even then, you could contribute the money to hit your max, but just not invest it

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