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I'm looking to start a Roth IRA this year (should have done it a while back, but it's best foot forward at this point.) I am currently diverting all my free cash flow into shoring up my emergency fund, but am planning to fund my Roth for this year with tax refunds and my annual bonus that arrives in March. Do most people try to drop the maximum allowed into the IRA in a lump sum, or monthly? If I could minimize fees I would prefer to break it up into monthly payments (next year) so I wouldn't feel I am leaning on things that could change from year to year (bonus and tax refund.) Since I don't have huge chunks of cash sitting around I would think this would also be safer since I wouldn't be so overextended that I would be tempted to draw back some of my contributions.
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