In the grand scheme of things. Lump summing one year of $6500 Roth IRA isn't going to move the needle for you one way or another. Given, you can max your Roth IRA and add 4 more months to your EF, it really doesn't matter. Assume 7% in a Roth IRA versus 3% in a HYSA. That's ~$260? And if the recession happens, you lose ~$260?

And if it really doesn't matter, then I would opt to keep it simple and DCA monthly into your Roth IRA and EF. If you change your mind next month or 6 months down the line, sure, lump sum it.

Good luck, OP