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Mixing social media and FERS together is always a can’t-miss recipe for entertainment. “What should I do with TSP? ” you ask complete strangers. “Spend it all!” “You should have done a Roth IRA and not the TSP. 401ks are a scam!” “70% C, 20% S, 10% I” Without knowing a single thing about you, including your age! ”Never spend it. You’re going to have to pay Eleventybillion dollars a month in a…
Want to avoid having your kids lose 50% of your TSP the very first year? This article explains how to do that. Fair warning, it starts off simple enough but quickly becomes complicated. Take it one step at a time. When you get lost, go back a step. Some stories start at the beginning. This one starts at the end. Point 1: You die. Your TSP will go to whomever your beneficiary is, assuming you have…
Here we go. What you guys have been bugging me for over the last 2 months. I spent some extra time this year recapping what exactly happened last year (2025) as well as over the last 8 years or so. Hopefully this provides more clarity. When I first wrote this thing, I had no idea I would still be writing it years later. So I didn’t structure it like that from the beginning. Now, I’ve learned that…
A real world example We’ve talked a lot about moving money from TSP to an IRA. From time to time people want to move money from an IRA back into TSP. Not nearly as popular but it has its place. One subscriber was gracious enough to chronicle his rollover in very precise detail so that I could share it with you. This is his experience. His money came from Fidelity but they will all be pretty…
Welcome back, ladies and gentlemen of fiduciary curiosity. Another year, another (Retiring) Class article. The only article of the year that YOU write. If you are new this year, this article is a list of interview questions answered by those Fersonians that recently retired. It is meant to provide some insight into why they retired when they did, how they made the decision, and how things have…
Short Answer : No, not really. Long Answer: Well, it does serve as a convenient way to keep score in some cases, but the way that TSP structures our investments, you’ll see that it doesn’t hold the same importance as share prices do in the real world. Read on for a better explanation. Share Price—what is it? In the real world, if you purchase 1 share of a company’s stock—let’s say Coca-Cola—you…
Everyone tells you to put your money into the TSP. It’s super important. You’ll never regret it. You can’t afford NOT to! And on and on. All good things. But that’s just the first decision. The second one can be much harder—WHERE do I put my money in the TSP? All I see is a bunch of letters-G, F, C— what does any of that even mean? Do I move it around? To where? When? Sure, you can just use some…
Granted, not the most uplifting title. But it’s true, nonetheless. Most of us have experienced a friend, family member, or co-worker who was here one day and gone the next. It’s a sad, stressful time. I happen to be going through this exact thing right now with a close family member, which is maybe why this is on my mind so much lately. Regardless, it’s worth talking about. I have the unfortunate…
I got the idea for this paper through a series of discussions with some potential retirees this week as well as a good friend of mine who’s starting to evaluate whether he’s won the game. So thanks, AB! People hire me because they don’t know if they can retire. That makes total sense. Of all the government training we get, almost none is in the area of the one thing that affects literally every…
So…..you’re getting fired? Or you think you might be getting fired? How does that affect your retirement? What are your options? I know there is a lot of stress and uncertainty right now. Something we government workers aren’t typically used to, unlike the private sector who worries about this stuff all the time. Let’s see if we can provide some clarity. This is going to be much like some sort of…
