Recent content by bubbagump

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    TSP vs IRA - Contribution Prioritization

    It seems having a diverse pool of money to pull from in retirement is beneficial especially if retiring early. Roth & Traditional TSP IRA HSA Taxable If I'm not mistaken, current TSP rules allow early retirees in the 'special category' to take penalty free withdrawals from the Traditional TSP...
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    TSP vs IRA - Contribution Prioritization

    Interesting you mention that. I will be eligible to retire at age 50. I've been researching how a Roth IRA and/or a taxable brokerage might be beneficial in early retirement.
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    TSP vs IRA - Contribution Prioritization

    This post is in reference to in-service contributions while still employed with the Fed, not rollovers. The "FIRE" and personal finance hive mind typically suggests investing in this order: 1. Employer 401k up to the match% 2. Max out IRA 3. Then, back to employer 401k up to the max/limit...
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    Bubbagump's Account Talk

    TSP Balance January 2025 $74,000 I reduced TSP contributions during 2023 and 2024. I have budgeted to max the TSP throughout 2025. Still 60/20/20 C/S/I.
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    Future Retirement Calculations

    I'm hoping to get some insight on how everyone figures how much they need/will need for retirement. I crunched the numbers today for my situation, albeit with many assumptions since I'm still 20-25 years from retirement. I estimated my FERS pension, social security benefit, potential TSP...
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    Bubbagump's Account Talk

    July 2021 Update! Roth TSP Current Balance: $20k Contribution: 15% Allocation: 60% C 20% S 20% I I'm planning on moving everything into the L2055 fund.
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    High call volume on the ThriftLine

    I was thinking election uncertainty
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    TSP Newbie

    Lower fees are one of the reasons I decided to stay with TSP for the long haul. However, I was with Vanguard which does have relatively low fees. The expense ratio for my Roth IRA at Vanguard was 0.15% which I thought was pretty darn good.
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    Bubbagump's Account Talk

    New TSP member here. I began contributing to the Roth TSP in November 2019. I varied my contribution from 5% to 20% and finally settled on 15% Roth TSP Current Balance: $8300 Contribution: 15% Allocation: 60% C 20% S 20% I
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    TSP Newbie

    Thank you all for the warm welcome. I'm currently at 60/20/20 in C/S/I, respectively. I plan on changing that up as time goes on; I'm still doing research on all the individual funds. I may just move to a lifecycle fund as I near retirement.
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    TSP Newbie

    I started a new career with the fed gov in 2019 at 30 years old. After some back and forth I've settled on a 15% contribution in the Roth TSP. I was previously also contributing to a Roth IRA, but will be sticking with the TSP from now on. Im saving for a home down payment and will most...
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