Heyo,
As the new year came around, I lump summed my Roth IRA (Yay!). But this sparked a conversation on [another post](https://www.reddit.com/r/Bogleheads/comments/1q1m8ps/comment/nx756bc/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button), I was hoping to get some more input here from the broader BoggleHead people.
TLDR:
I am saving up enough each paycheck and placing it into my HYSA, so that when Jan 1st rolls around I can lump sum.
It was suggested that I instead DCA ( starting next year) and place the amount per month I'd normally save into my 401(a) or 457, instead of into my HYSA.
Is this really the route to go? It was also suggested that if i did want to lump sum, to sell other assets that are close or at a loss. But all my assets are in VT, or VTI/VXUS, so I don't really have anything at a loss, unless I just want to sell my profits in my taxable and take a hit?
Thanks all