I generally am all about dollar cost averaging with my Roth IRA, with 52 weekly contributions of $115 to get to the max. I also realize that timing the market is typically futile. Having said that, it seems like a waste to not take advantage of the lower stock prices. At what point do these prices get low enough that you go ahead and max out your Roth IRA for the year? Or do you just continue with the norm but double up on contributions? Since the main benefit of Roth IRAs is the untaxed gains, it seems especially important to max those earnings when possible.
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