Viewing a single comment thread. View all comments

whisky_in_your_water t1_iy8a6sf wrote

Yup, I do it monthly (will probably change to biweekly next year) so my budget is consistent month to month. If I invested everything on Jan 1, that means I either had $6.5k sitting in cash (not great) or I'm raiding my e-fund (not an emergency). In my case, it's double since my wife and I both max our IRAs.

I try to keep my cash amount as low as I can, so I have automatic investments to each of my accounts. I try to keep my HSA, 401k, IRA, and taxable brokerage investments consistent month to month so I don't need to think about it. If I use my e-fund, I just pause or reduce those automatic investments until it's refilled.

I find the less I think about it, the better off I am.

4