Is Your Primary Residence an Investment?
Should you consider your principal residence an investment? This calls for a familiar answer – “it depends”. Housing prices skyrocketed …More
TSP
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Retirement is One Thing You Can’t Get a Loan For
“I can’t contribute more to the TSP because I have kids in college”. Those who urge federal employees to set …More
Retirement Contributions for Prior Years
Carole King crooned “it’s too late baby, it’s too late” in 1971 and it truly is too late for some …More
Retiring Mid Year? Consider Front-Loading Your TSP
Do your plans include retirement this year? If so – good for you! Many people choose to retire at the …More
TSP: Sometimes Less is More
One feature that many Thrift Savings Plan participants like about the TSP is its relatively simplicity. There are only five …More
By the Numbers: Some Financial Statistics to Consider
We’ve gotten good feedback about our earlier “survey says” article and there’s no shortage of statistics (most from surveys) to …More
The TSP and Famous Quotes on Investing: “Everything Will End Badly”
It’s easy to get confused if you’ve been reading articles about the economy in general and the stock market. On …More
FERS, TSP and Leaving a Federal Job Before Retirement Age
Not everyone who starts a federal career will end up still being a federal employee at the time they retire. …More
Change is Constant with the TSP
Change is the only constant in life said Greek philosopher Heraclitus. I cannot find in what year he made this …More
“What Goes Up, Must Come Down” Ringing True Lately
“What goes up, must come down” begins the 1968 folk hit Spinning Wheel by Blood, Sweat, and Tears. Were they …More
TSP Millionaire? It takes effort but you can do it
Federal employees who are members of the Thrift Savings Plan (TSP) have the potential of becoming a TSP millionaire, with …More
You Might Need More Than You Think In Your TSP
Who is the greatest basketball player of all-time? This question has been trending lately as LeBron James neared, and then …More
Retirement Savings Average Higher Than Median
Those of you who watch Family Feud are used to hearing the phrase “Survey says…”. This article has some results …More
TSP Life Annuity Considerations
Have you received a message from the Thrift Savings Plan with a “Lifetime Income Illustration”? Some participants have, including my …More
Why Lower RMD Penalties Could be Bad News
Required minimum distributions (RMDs) have been in the financial/investing news a lot over the last several years. RMDs came into …More
Roth Conversions Get Support in SECURE 2.0
How is Congress like Bobby Darin? Darin sung about multiplication in his 1961 hit Multiplication (#1 in the UK, but …More
Federal Retirees Well Situated, but Could Still Benefit from Cost Savings Big and Small
Five money saving tips for retirees! Seven ways to survive the upcoming recession! Perhaps you’ve been seeing more articles with …More
Roth IRA Back Door Man
“I’m a back door man, whoa!” So wrote Willie Dixon in 1961. Howlin’ Wolf was the first to record the …More
Opinion | Commentary
The TSP 2023 Withdrawal Issues
There are approximately six million Thrift Saving Plan (TSP) participants who are federal employees, active military, and federal retirees. Recently, …More
The Sweet Spots for Retirement Saving and Withdrawals
Wow, I really connected on that one! Some of us might occasionally utter this phrase as we watch our drive …More
TSP, IRA Tax Credit for Low to Moderate Income Workers
Did you know that low to moderate income workers might be eligible for a special tax credit if they save …More
The TSP 2022 Website and Unresolved Issues
There are approximately six million Thrift Saving Plan (TSP) participants who are federal employees, active military, and federal retirees. The …More
What’s in SECURE 2.0
About three years ago the SECURE Act was passed and, stealing a line from Harry Callahan (aka “Dirty Harry”), I …More
Be Aware of RMDs and QCDs When You Enter Your 70s
One reason you see so many articles on Required Minimum Distributions, or RMDs at this time of year is that, …More
New Years Resolution: Increase Retirement Contributions
Are you thinking of making New Year’s resolutions for 2023? If you are, don’t forget resolutions that will impact your …More
Inflation-Based Adjustments to Benefits and Thresholds Set to Kick In
This is the time of year when government agencies that make inflation-based adjustments to benefits, thresholds, and other areas and …More
TSP: Simple Design, Confusing in Detail
The Thrift Savings plan, though simple in design, can get confusing in the details. There are some misconceptions that many …More
Side Stepping Contributions Limits Under CSRS
How can a current federal employee sidestep the annual IRA contribution limit and put tens of thousands of dollars into …More
RBD: Required Beginning Date for Distributions
We’ve read articles about RMDs (required minimum distributions), but we haven’t heard much about a similar acronym, RBD (required beginning …More
TSP: Don’t Spend it All in Once Place
Don’t spend it all in one place! I remember that as a smart-aleck remark from a person who had just …More
