Probably overthinking this...I'm wondering if it's better to sell 7.5k of my taxable holdings to lump sum Roth IRA contribution this year or just contribute via payroll. I will be able to max the account in either scenario but trying to get some perspective on which would be optimal. I've held these funds in my taxable long enough to qualify for 0% LTCG so I would guess it's better to move 7.5k of my taxable to Roth IRA ASAP.