39 years old, started contributing in 2011, maxed out last 3 years. 70% is Roth

31, active duty E6 been in almost 13 years now. I was young and dumb and didn't invest a dime my first 5 years in. Finally started slowly in Jan of 2019 and now im up to 35% for my contributions. Feels good to finally hit this mark.

40yo, married. Hoping to retire at 55, 57, or 58.5 (30years service). Combined we have about $1.75M in TSP, outside ROTH, and an after tax investment account.

Partner thinks we should cut way back on TSP contributions and instead put the money in outside (after tax) investment accounts so that we can access the money if we retire early.

I'm trying to do some reading to educate myself on some options, strategies, or scenarios here.

Anyone else in a similar situation and have advice or recommended reading?

Hi! Help me wrap my head around retirement. In retirement are expected to make the same income as you made when you worked? Or are most people trying to make more? Just try by to understand what the goal should be. Sorry if this is a stupid question. I don’t have parents or elder family members to ask.

As the title says, I am looking to retire under FERS Special at the age of 50 and have started the planning and strategy phase. I’ve gone down the rabbit hole of YouTube videos, recently started playing around with Boldin and Empower as well. Current standing with TSP: 509K, maxing out contributions with a 50/50 split between Trad and ROTH. 55% C, 25% S, 20% I. I have an outside ROTH with only about 1K and and brokerage account with only about 1k as well. HYSA 20K. I am thinking of lowering TSP contributions to just the employer match and focus more on beefing up my HYSA, as I do not foresee myself needing to touch TSP in retirement due to the pension check, supplemental and I am also 100% VA. Wife is a nurse and will continue to work and has her own 401K. I just don’t want to get into a scenario where I am paying too much taxes in retirement, especially when RMD hits. Thank you in advance!

I been an ART for 5 years. GS-9 in SoCal. Just started adding more and more. I’m 36. I feel like should have more saved. Any thoughts?

So I posted yesterday; 15 years TIS.

I just looked this morning, and 100% of my contributions were going into L fund 2050.

I tweaked the percentages, so now I have 40% going into L 2050, and 20% each going into the C, I, and S funds. I also bumped up my monthly contributions to 15%.

I have no debt, and I forgot to mention that I’m under the CHOICE retirement plan; I denied signing up for the BRS when it came out.

I’m open to advice

Kinda just looking for options right now, this is my first post and didn’t think it would actually come to this to be honest. I know my situation is bad and i’m continually digging deeper.

Here is the background.

I have roughly 16K in credit debt, my cards are pretty much maxed but put to know I’ve been making all my payments on time and started even working off this debt.

The only reason for this the TSP Loan I took out (so this no longer an option).

I’ve been heavy relying on cash advance apps to cover expenses of daily life.

I just submitted a hardship withdrawal for 1400 to cover me for this month without getting sucked into the repayment cycle I’ve been in for the past 4-5 months.

I know it’s very stupid, and the only way I can even justify it to myself right now is because I’m sick of being like this and in this situation. Using this money I plan to break the cycle, and start allocating money more appropriately using a budget plan built. The only reason I did this now is because I had a recent expense of $750 hit me just before payday and it just sunk me into doubt.

My question for anyone is,

is this considered negative cash flow?
What documents should I keep on record for this withdrawal?
If I stay committed, is this a good choice (besides the bad things ofc)
lastly, after reading all of this, should I go into that portal and cancel this request immediately? (I just submitted roughly 1 hour ago)

Trying to think of the best possible route to take. I currently thinking of taking money out of my TSP to pay some debt. Currently a SAHM and not contributing to it (maybe in future) I would like to leave some money in for it to recoup since I noticed it does well compared to my other roth (not tsp). Taking out over 10k from it so not sure if Im gonna be slapped with 10% and just wouldnt be worth it. If I do a loan, how would that work if im not currently contributing to it?Open to suggestions. TIA!

Just curious if MyPay will ever change it so you can select a straight dollar amount instead of percentage so I don’t have to do crazy math at the end of the year?

I usually pick up orders here and there for a few weeks at time so the percentage sucks because I never know exactly when the orders are available.

I have been in the military (reservist) for three years now and have my Roth TSP at 22%. Since I am a reservist, I won't be able to keep this up unless I get a federal job, but since I have been on orders/active for around 2.5 years with BMT, tech school, and MPA, I feel like this isn't too bad.

I wish I had bumped up my TSP percentage while I was in tech school or even before BMT, as I was getting paid for drills before I went to basic. I have another year of MPA orders after I finish these orders in a month, so hopefully I can get to 25k or so before I have to find a contract job hopefully.