Due to major variances in income over the last 3 years, I've been waiting to make Roth contributions for the previous year until near the April 15th deadline, to make sure our income isn't over the limit.
So I didn't contribute anything for 2024 and can contribute $7000 by April 15.
But with the latest craziness, I'm like "when should I actually do this?" Today? Tomorrow? Sometime next week?
I hate the idea of timing the market, but if you HAD to invest a large chunk of money right now, how would you decide when to do so? My Roth IRA is 100% in VFIAX.
Age is 46, for reference.