https://youtu.be/g8wQQTWDx3c When economic headlines begin to scream about an impending recession, many federal employees find themselves paralyzed by uncertainty. Without a concrete plan, most fall into one of two dangerous traps. They either freeze and do nothing while their account value plummets, or they panic and move their entire balance Read more…
https://youtu.be/jfQJztI8EgU For many federal employees, the Thrift Savings Plan (TSP) is the crown jewel of their retirement strategy. You’ve spent decades “climbing the mountain”—saving diligently, watching the markets, and reaching that peak where you finally have enough to step away from federal service. However, many retirees soon realize that getting Read more…
https://youtu.be/08MPztsHm7M For decades, the Internal Revenue Service (IRS) remains a silent partner in your career. They watch patiently as you diligently contribute to your traditional Thrift Savings Plan (TSP), celebrating as your balance grows through compound interest and consistent contributions. However, this patience is not without a price. Eventually, the Read more…
https://youtu.be/zHOvkoRAkZ4 Many federal employees approach retirement with a sense of security regarding their pension. They see the annual Cost of Living Adjustment, or COLA, and assume their purchasing power is permanently shielded from the rising costs of goods and services. While the federal retirement system is robust, there are specific Read more…
https://youtu.be/sLof4bgjbXU Every week, a recurring pattern emerges in the world of financial planning. It features the “TSP Millionaire”—federal employees who have spent decades diligently contributing to their Thrift Savings Plan, watching their balances climb into seven figures through discipline and compound interest. These individuals are world-class savers. Yet, when it Read more…
https://youtu.be/qaqBeGk8ri8 For many federal employees, the Thrift Savings Plan (TSP) is the crown jewel of their retirement strategy. Whether you are a young professional just starting at a GS-5 level or a seasoned veteran nearing the end of a long career, the question remains the same: how can I grow Read more…
https://youtu.be/MmKjB4OLXq0 For many federal employees, the Federal Employees Health Benefits (FEHB) program is the crown jewel of their benefits package. It is one of the most robust health insurance systems in the country, and the government generally pays about 75% of the premiums. However, the value of FEHB increases exponentially Read more…
https://youtu.be/_qPIfvz4WAo Deciding to retire from federal service is one of the most significant milestones in a civil servant’s career. For many, the transition isn’t a full stop but rather a pivot. You might be planning to collect your pension and the FERS Supplement or Social Security while simultaneously jumping back Read more…
https://youtu.be/e8-GBm5C8_Y A common misconception among federal employees is that a career spent serving the public and paying into government systems results in a significant tax break during retirement. Many believe that because they have contributed to Social Security and the Federal Employees Retirement System (FERS) for decades, the government will Read more…
https://youtu.be/8OnzfLWTHL0 The government’s life insurance program, known by the acronym FEGLI or Federal Employee Group Life Insurance, is one of those benefits where I have seen many federal employees spend tens of thousands of dollars for coverage without truly understanding how it works. It is quite common for people to Read more…
