It's Brian Preston, the money guy, restoring order to your financial chaos, retirement,

investing, taxes.

You've got financial questions, he's got financial answers.

It's Brian Preston, the money guy.

So this first question comes from William.

Okay.

William says, if I can max out my 401k contributions in the first few months of the year, and by

the way, we have a lot of folks who do that.

You know what?

I understand compounding interest and the longer I have my dollars invested the better.

So I want to run in load getting my 401k funded.

If I can max it out the first few months of the year, should I do that to get those dollars

working as soon as possible?

Or in the interest, pun intended, he said, of dollar cost averaging, should I reduce my

contribution so they are spread out over the entire 12 month period?

Thanks.

So William, first of all, great question, but there is a third element that actually is

just as important if not even it supersedes and sits on top of those other two elements

that we need to cover.

But I feel like before I answer the overall question, include that third element, I think

William is asking this, if I could bring it around.

We know markets go up about 80% of the time.

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