https://youtu.be/ysCozAOwt6k For the vast majority of federal employees, the traditional Thrift Savings Plan (TSP) is the cornerstone of their retirement savings. While this has provided incredible tax deferral during a federal career, it also means a good chunk of that money is not truly yours—it belongs to the IRS. They Read more…
https://youtu.be/DCWgtrVyywk As a federal employee nearing retirement, the excitement of a new chapter is often accompanied by a significant question: Do I have enough money in my Thrift Savings Plan (TSP) and other assets to afford the retirement I truly want? It’s one thing to retire; it’s quite another to Read more…
https://youtu.be/ch6N7Jfw-Ro The journey to a successful retirement as a federal employee under the Federal Employees Retirement System (FERS) is a marathon, not a sprint. The most common concern for those approaching the finish line is, “Am I forgetting anything?” The key to a confident retirement is a structured, phase-by-phase approach. Read more…
https://youtu.be/aMWMnzhYHLs The year 2026 is poised to be one of the most transformative periods for the Thrift Savings Plan (TSP) in over a decade. Driven by cost-of-living adjustments and new legislative mandates from the SECURE Act 2.0, these major changes will affect every federal employee—from new hires to those nearing Read more…
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…
