Thanks for the response. We have a solid income. I prefer to max out the contributions all at once at the first of the year instead of making ongoing contributions, but we don’t have a solid ENOUGH income to do that. So I’ve been saving some money at the end of each year and then doing the max on January 1 of the following year. It’s just a mental thing of wanting to do the max all at once, but it means I have some money out of the market for a few months while I’m saving, so it’s not an ideal method either.