https://youtu.be/q2PkCwOnIqY If you’ve spent any time online, you’ve probably seen one of those viral clips where a cyclist is about to win a race. They’re meters from the finish line, throw their hands up in celebration, and bam—they trip, fall, or get passed at the last second. Why? Because they Read more…
https://youtu.be/qjOn9AoH440 As a federal employee, you’ve worked hard to build your wealth — through diligent saving, long hours, and taking advantage of solid benefits like the Thrift Savings Plan (TSP), federal pensions, and high-quality health insurance. But here’s the truth: building wealth is only half the battle. The real Read more…
As a federal employee, one of the most important financial decisions you will make is how to allocate your Thrift Savings Plan (TSP) investments. With so many options and strategies available, it’s natural to wonder: What is the best TSP allocation? While I’d love to provide a one-size-fits-all answer, the Read more…
The Thrift Savings Plan (TSP) is a simple and efficient retirement savings option for federal employees, offering five core funds that make investing easy to manage. In contrast, an Individual Retirement Account (IRA) provides a vast array of investment choices, which can feel overwhelming for those accustomed to the TSP’s Read more…
Retirement planning is a complex process for federal employees, requiring careful attention to eligibility rules and regulations. Among the many requirements that determine post-retirement benefits, the 5-year rule plays a crucial role in three key programs: Federal Employees Health Benefits (FEHB), Federal Employees’ Group Life Insurance (FEGLI), and Roth Thrift Read more…
One of the most critical yet often overlooked decisions in retirement planning is the order in which you withdraw funds from your Thrift Savings Plan (TSP). The topic we will be covering will go over withdrawal strategies if you have both traditional and Roth TSP money. The strategy you choose Read more…
Most articles written about federal careers are aimed at employees nearing retirement, as this phase of life involves a multitude of critical financial decisions that shape the future. However, investing in your federal career early can make life much easier, both now and in the decades to come. Even if Read more…
Navigating retirement successfully requires a thoughtful approach to managing your Thrift Savings Plan (TSP). By understanding and tailoring your investment strategies, you can create a sustainable plan to support your financial goals. One popular strategy, the 60/40 allocation, balances growth and stability, but it may not be suitable for everyone Read more…
The Thrift Savings Plan (TSP) offers federal employees a variety of investment options designed to meet different retirement goals and risk tolerances. Among these options, the five primary TSP funds—G, F, C, S, and I—serve as the base for many retirement portfolios. These funds range from very conservative (G and Read more…
The Thrift Savings Plan (TSP) is a crucial factor to create a secure and confident retirement for federal employees. Your paycheck contributions significantly impact your retirement savings and overall financial future. In this article, we’ll break down the contribution limit changes for 2025 and provide insights on how much you Read more…
