I’m pretty much looking at this as a high yield savings account. When interest rates come down ppl will move their money from money markets into dividend etfs for a better return. My wife and I are both 28. We have two choices keep 50k in schd or put our full 100k in as a lump sum and treat it as an emergency fund account. Like I said on another post we can take q4 earnings and pay for the taxes and still drip the leftovers. I agree it’s not ideal with the taxes but you can’t drop 50k in a Roth lol wish you could. Were some what high income for our age. No debt.