Im in my early twenties and have 10K invested (8k in VOO & 2K in VT) done through Robinhood. This new year I recently learn of the power of Roth IRAs and im kinda upset that I didn't utilize them sooner. (Btw, I have Robinhood Gold. In other words, I bought Robinhood gold without using literally their best feature of a 3% match to IRA contributions. Dumb, I know).
I missed out on the 2024 year and thought I missed 2025 as well until I learned I have till April 15th to max it out. But that means I have to put $7k into the account in 3 and a half months (\~$2K/mo).
I was (and still am) fully resolved to max it out however I could, especially since I take more than 25k per year after expenses (\~$2K/mo). That was all until I realized that couldn't I just sell off some of the stocks in VOO and VT in the individual account, put them in the Roth IRA and rebuy either VOO or VT?
Would this be a wise decision or and I missing something crucial (like fees or taxes)? Should I just dedicate my paychecks to my Roth till April?
Any feedback would be appreciated!