https://youtu.be/bVCfBrLuPJ8 When most federal employees think about retirement, they imagine freedom — freedom to travel, relax, and finally spend time the way they choose. But for many, that dream gets bogged down by the stuff that’s still weighing them down — financially and emotionally. Before you officially turn in your Read more…
https://youtu.be/WRsOSn1VyfA Natural MilestoneLet’s get straight to the point. Here are the top dates to retire in 2026 if you’re a federal employee: January 10, 2026 May 31, 2026 October 31, 2026 December 31, 2026 January 9, 2027 So, what makes these dates stand out? Let’s unpack the main factors that Read more…
https://youtu.be/gxoXXftSaLk Your federal benefits make you different — which means your investment strategy should be different too. One of the biggest benefits that sets federal employees apart from the average American is the FERS pension. Most Americans don’t have one, and that changes everything when it comes to how you Read more…
https://youtu.be/6USLNLfof_E Required Minimum Distributions (RMDs) can feel like one of those distant, technical details that don’t really matter until suddenly, they do. For federal employees who’ve done a great job saving in their Thrift Savings Plan (TSP) and other retirement accounts, RMDs can turn into what many call “the tax Read more…
https://youtu.be/yc8E6drj90E For many federal employees, retirement doesn’t happen at the same time that Social Security begins. You might be ready to retire at 57 or 60 — long before you can turn on your Social Security benefit at 62 or later. That gap in income can leave some people wondering: Read more…
https://youtu.be/ycyeen0tQkk For federal employees, few benefits are as valuable—or as misunderstood—as the Federal Employees Health Benefits (FEHB) program. The government not only provides a wide selection of plans but also pays a substantial portion of the premium—typically around 72% of the total cost. That means if you’re paying roughly $400 Read more…
https://youtu.be/pRFxrYx4tJ8 When most people think about investing, the first thing that comes to mind is asset allocation—the mix of stocks, bonds, and other investments in their portfolio. And that’s important. But what often gets overlooked—and can make an even bigger difference in retirement—is asset location. Asset location is all about Read more…
https://youtu.be/d01R_1ab9MI If you are a federal employee, is paying off your mortgage early smart—or just plain stupid? Like most financial questions, the answer is: it depends. There are some situations where paying off your mortgage makes all the sense in the world, and others where it could be one of Read more…
https://youtu.be/ciO1A4sAaXY Healthcare is one of the largest and most unpredictable expenses in retirement. For federal employees, however, the Federal Employees Health Benefits (FEHB) program offers a powerful tool to help manage these costs. Unlike most workers in the private sector, federal retirees can continue their FEHB coverage into retirement—an incredibly Read more…
https://youtu.be/wL69pw–2Gc When you fill out your retirement application, you have to elect whether you want to leave part of your pension behind for your spouse. Without a survivor benefit, your pension ends when you do. It is not automatically passed on—it is a lifetime benefit for you only unless you Read more…
