>Just transfer some money after opening the account for the initial deposit. Wait until the paperwork arrives, and signature card signed and returned, and transfer the rest.
>
>Creating many smaller transfers is one way to get flagged.

DeluxeXL has been around this sub for awhile, I would put great emphasis on his tips.

And it avoids keeping all your money at one bank just in case you are temporarily locked out or some other issue, you still can bank with the other until the issue is resolved.

I also keep a small secondary savings account with PenFed credit union and have a credit card with them, just in case I ever need some type of loan they do place a value on having an established relationship with them.

https://www.penfed.org/accounts/premium-online-savings

If you have a long history with WF then consider keeping the checking account with them and using Ally for a savings account or similar product. I've had WF quickly resolve any fraud related issues and I believe my long history with them facilitates that, so I keep them around for the checking account only since checking accounts is where most issues happen.

>The age-based portfolios will continue to move you into bonds, and while bond prices may continue to fall short-term, bond yields are up.

I wonder if OP is in the age based portfolio or individual portfolios.

Individual: https://www.nysaves.org/home/which-investments/individual-portfolios.html

Age based: https://www.nysaves.org/home/which-investments/age-based-options.html

Don't think of an emergency fund as an investment, it's insurance. I don't agree with Dave Ramsey's views on investing, but I do agree with his view on emergency funds: https://youtu.be/fVToMS2Q3XQ

Yes, starting on January 1st, 2023 pay close attention to your Roth IRA contributions, you will be able to select which year you apply your contributions to.

It's definitely a worthy goal to max out both accounts only if you are on the correct step according to the money management tips of the prime directive:

https://www.reddit.com/r/personalfinance/wiki/commontopics/

I would go ahead only if you have paid off all high interest debt and have a fully funded emergency fund (lots of people skip this step but they end up regretting it because the minute they get into financial trouble they raid their investment accounts. Think of an emergency fund as insurance that helps protect your investment accounts).

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>as well as some digital assets (only a bit please don't judge).

I wont judge, but you can't stop me from giving you the side eye.

>is it worth maxing out my Roth IRA AND my Roth TSP for 2022? Should I combine the two to max out the $6k contribution?

I am a little confused about this statement, Roth IRA and Roth TSP have separate contribution limits.

2022 Roth IRA contribution limit: $6,000

2022 Roth TSP contribution limit: $20,500

Side note: You have until April 18, 2023 to make 2022 Roth IRA contributions.

Research a single target retirement fund:

https://investor.vanguard.com/investment-products/mutual-funds/target-retirement-funds

> I just got to find a new bank and give that direct deposit info to my work.

This may not help if you keep visiting scam websites according to your previous post.

Quote from your previous post:

>Over the years i have come across illegitimate websites or e-mails and have been scammed.

https://www.reddit.com/r/personalfinance/comments/xdbz9f/wells_fargo_fraud_department/