Asking in a different way. Other post was “Shouldn’t everyone’s goal to be to put in as much as possible, as soon as possible”?

It should be common sense if you’re working to max out your Roth IRA and tax advantaged accounts, because why not?

Just curious why that is always at the top of the list

“Time in the market beats timing the market”, it’s also widely known lump sum is a better way to go than DCA

Sorry for the massive confusion and the hilarity in the comments from my other post

Ok, here’s what I was meaning. If time is so important when it comes to investing, why isn’t more emphasis put on investing in a taxable account (as much as you can) since there is NO LIMIT? Compared to the measly Roth limit as one example.

I get the general consensus of comments like “always do tax advantaged accounts first, taxable last”. Why isn’t it there more of a sense of urgency to say something like you should put in as much as you can into an account that has no limit and time is so important? Lots max out their Roth IRA’s on January 1st, why not wait until the money is made first just in case since you have to have earned income for the year? never know when a layoff can happen or how long you’ll be out of work. If there’s any funds available why not do taxable first then max your Roth IRA once it’s earned, so even if you get let go you still made at least $6,500 or $7,500 and hopefully don’t have to pull from it early

Anyway, I hope this question makes sense. Everyone points to the Roth IRA tax benefits, but what about how long term capital gains aren’t that much in a taxable account? Might even be $0??

https://www.nerdwallet.com/article/taxes/capital-gains-tax-rates

What would be worth more…

Say someone maxes out a Roth IRA at $6,500 annually for 25 years, that’s $162,500….

That, or someone putting in $162,500 at once

The taxable advantages of the Roth IRA vs the lump sum/long term capital gains of the taxable. Even if the Roth IRA person ended at 60 years old, so no taxes or penalties when withdrawing

I know $162,500 is unreasonable at once, but it is the same total amount

I’m just viewing putting in as much as possible, as soon as possible, as urgent as it gets.

Just surprised others are so nonchalant about it

As one quick example, so many at my work drive expensive cars and they’re young. 90% of the time that car sits in the parking lot or at home. What a waste!

Compared to a cheaper, more reliable car that does the same thing, except now there’s a $10,000 difference to invest