<prompt> Human: Does anybody have explanations in the philosophies of contributing monthly to a Roth rather than investing a lump sum of the 5500? Id like to hear peoples thoughts! Thank you  <response>: Some people may do it monthly as a form of Most likely do it because they dont have a lump sum of 5,500 always available at once each year to contribute so they set aside a portion of each months pay to fund it instead.When I have a larger lump sum to save for retirement, I contribute it all at once, personally. Im a time-in-market sort of person. 