Can you expand on why you want the growing to happen in the Roth? Is that more optimal than the high yeild of the money market fund in the traditional?

My apologies, although not sure why it matters.

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I'd prefer to keep it in cash as I contribute and build up to the max and then rollover all at once. This prevents me from losing money in investments (and having to sell to rollover) if the market goes down. Essentially this is short term savings so ideally i'd love to reap the high yield of the money market fund before rollover and investing in ETFs for long term savings.

Sorry, the term is "Backdoor" roth. Income limits are too high to contribute to a Roth initially.

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Also the VMFXX says the SEC 7 day yield is 4.76%. I haven't seen a cent of interest. When does it get paid or where do I view it?