<prompt> Human: Since I started working full time in August, Ive been contributing to my roth IRA monthly, about 460 a month. I started doing this without knowing about this difference between LSI and DCA, I just took 5500 and divided by 12. After doing some more research I want to start LSI, and just dump 5500 into my roth at the beginning of each year. The problem is, I dont have 5500 just sitting around. I would have to save that up over time, and every month that I save is a month that Im not investing. Does anyone have any tips for how I can save up for a lump sum without losing time in the market?  <response>: Continue doing what youre doing. DCA vs LSI only factors in if youve already got the cash sitting there. 