Without further ado, let's go ahead and get to some questions.

I'm excited.

All right.

First up, we've got a question from AusFan 1995, and it's speaking of dollar cost averaging

versus lump sum investing.

And you know, what to do.

He says, if I'm going to be close to the Roth IRA limit, and I'm waiting until 2024

for 2023 Roth IRA contributions, should I just dollar cost average from January to April

or should I lump sum it?

Um, well, do you have a thought on, I mean, I've got a thought on this.

Oh, look, I know how, because Bowen, I deal with this.

It's hard to unwind contribute, I mean, it's possible.

We help clients with it.

And if you are close to, I think that's probably a caveat we could have given on today's

show, is that if you are worried that you're going to exceed the funding contribution

limits, then to go and do direct contributions into a Roth, you might want to wait until

you're in to see if you fall under.

Now, look, if you're one of those people that, um, you just know, you're probably more

unlikely going to be over, there is.

And you have the opportunity.

You've gone through the checklist of you don't have other IRA assets, and you can do

back door Roth conversions strategy, then maybe you do want to dollar cost average that,

...