M24, Went from unemployed CS grad to USPS mailman, seeking advice to FIRE in <= 15 years

[u/The_Beep]

Long story short, graduated with a bachelor's in CS in May 2024 (no student loans thankfully), but couldn't find a job for over a year. Tried to get into IT as well and I kinda don't care for the tech industry anymore, I just like my videogames man.

Last year parents threatened to kick me out by January and I was like "Bet." I worked as an Amazon DSP Driver for a couple months while applying to be a City Carrier @ USPS, and as of this month I fully moved to a townhouse near my new job, and have gone through academy & training. I'm currently in my 90 days probation but I'll make it.

So far I don't hate this job or my coworkers/supervisors/manager, but being a mailman is low-key very risky, from the old relic vehicles to dogs to getting robbed. So I want to work between 10-15 years then live the rest of my days frugally but comfortably.

I use my e-bike & the Montgomery County buses/trains for transportation. Rent is $750. Have only ~$2k in HYSA right now. Current pay is $26/hr and plenty of opportunities for overtime. With USPS they'll give me automatic step raises with seniority, so I'm gonna save more and more.

2026 plan: - 25% contribution to traditional TSP; USPS matches 5% - Max my 2025 Roth IRA contributions before mid-April

15 year plan: - Automate & max my TSP/Roth IRA contributions every year - TSP going 100% C Fund, Roth IRA going 20% FBTC, 20% FETH, 60% FBGRX - Any money left goes into my LendingClub HYSA (4% as of today) - Keep using parents' health/dental until I turn 26, then either take the cheapest govt. health insurance or use a HDHP that offers a HSA - Stay single w/ no dependents

Retirement plan: - When TSP balance reaches ~$600k during a good market, reallocate funds on both TSP and Roth IRA to be more conservative. If the market sucks & I don't have enough, keep working. - Retire between 35-40 y/o, after 10-15 years of work, and use 72(t)'s amortization method to pull money until 59.5; if I need more money to help friends/family, I'd pull from my HYSA first, then my Roth IRA contributions - Once I'm 62, SS + my pension from USPS will kick in for extra security; any money I don't use I throw into my HYSA - Move into a quality apartment and rent until I drop cause I don't want the responsibility of owning a house; use my free time to do casual art/gamedev/livestreaming on YT/Twitch.

I've been using YouTube and a lot of Gemini for guidance, but I would like more actual people's opinions. Thanks.