The IRA contribution schedule or my existence?

I’m contributing on a May-April schedule next year because I had to hustle to pay the limit this year due to this jump. I could add enough to change the payment schedule back, or keep it the same schedule because the only benefit is clearer scheduling and the money can go elsewhere.

Absolutely! But do I use it to get ahead and back to the calendar schedule, etc.

To an extent, absolutely. Bigger snag is not having 4 grand in the extra checks to fill the Roth and scrambling to fill it without cutting hobbies and travel. Now that it’s ‘okay’…Little details as you said, like calendar timing and how to shift to new accounts.

Biweekly means there are two months where I get an extra paycheck, lowering the year-round checks and giving you two little windfalls to manage. I used those for my IRA until now.