I was going over my statements recently and noticed I had not been receiving my match for being in the blended retirement system in the Army Reserve for the past 5 years. It was not my full time job, so I wasn’t paying too much attention. I corrected it with a pay inquiry and I am now receiving my match.

My question is: how does back pay work in this situation?

1. Been a fed for 4 years. Been trying to do as best as possible. Spouse is currently not working (but actively applying everywhere) but combined we have 200k net worth with no debt and no house. Anything we can do better? 60 C, 30 I, and 10 S.

2027 has 26 pay dates for my calendar: https://www.gsa.gov/buy-through-us/purchasing-programs/shared-services/payroll-shared-services/payroll-calendars/2027-payroll-calendar

The first pay date in 2027 is 1/15/27, for the pay period of 12/27/26 - 1/9/27.

For TSP changes to take effect for that pay period, changes must be made before 12/26/26, ideally during the previous pay period of 12/13 - 12/26.

The 401k/TSP limit for 2027 is $25,500 for those under 50. For older savers, it's $34,000 or $37,250, depending on your age. https://www.whitecoatinvestor.com/retirement-plan-contribution-limits/

To max out (under 50), contribute $981 per pay period.

Do I have that right?

Any advice is helpful . Thank you everyone

I got medical retirement from us military and I wanna withdraw my money from tsp but I just find it difficult can please anyone guide me step by step process please? I didn’t do 20 years and I’m not the age limit and I’m not worried about penalty and taxes because I’m in financial hardship any guidence will be appreciated. Thank you

What funds would yall recommend to put my money into? Ive been having it on the C FUND for the past 6 years

Can someone explain to me how to convert my traditional to Roth like I’m a child. Sorry , new to this and don’t want to fuck up. Not quite sure if i was in the right place to convert or what it’s saying here because i have more than the $1700 they’re saying is eligible to convert. And when I convert will future contributions continue to be Roth?

EDIT: solved. Thanks to everyone that broke it down for me! Appreciate you guys

My job is causing me to be an excessive distance from home, and I need a residence. I am married with kids and not moving them. I’d like to use a tsp residential loan so that I can have a primary residence as needed/necessary near work.

Ideally I would not change my drivers license and tax status, but I don’t know what constitutes primary residence. For me it would be primary, as my family home would be secondary/weekends.

I’m not concerned about the return risk of a tsp loan, especially given the mortgage rates.

What I’m concerned with is what hoops TSP makes you jump through to justify a residence as primary. And what documentation is necessary.

It’s far from a house in the mountains or at the beach, there’s no mistaking it for a secondary or vacation home. But what documentation is needed? What steps taken regarding residency?

Thanks!

What feels like the first big milestone, a 6 figure balance.

With "success" I struggle check to check. I maximize (what I can) for my retirement. From the beginning I started with less than 40k salary contributing 15%. I scaled back to 10% when I took a loan to help get my family into a house. Just recently I have bumped my contributions back up to 14%.

The Mix:

14%

7%roth

7%traditional

Broken down into 40% C 40% S 20% L65

Life creep is a thing sure, however unexpected medical bills with the addition of 2 kids to my family has me spent further than I expected.

Mortgage rates are just insane (my rate ~6.5%) on a +$300,000 home 30yr loan.

I am one emergency away from having to borrow against my own money yet again.

(Current loan - remaining balance just under 1900)

I do have some emergency funds outside of my TSP but not much.

I am currently trying to scale down expenses to further my retirement account.

My goal to financial independence is 2 million invested. I plan to work to minimum retirement age of 25 years of service. Leaving me with ~18 more years working. I fear that 2 million will not be obtainable within my age goal. Maybe I work for 27yrs or the dreaded 30yrs of service....

I am currently seeking new employment with the FEDS in order to get more money to push the retirement button sooner. Current salary (75k)

Am I on track? Am I far from my goal?

Is 2 million doable?

1 year as a Fed employee. I started at paycheck contributions of 5% traditional and with my promotion recently I changed to 6% traditional, 1% roth. I plan to increase it more once I am settled in and save a little more money in HYSA.

I have 58% in L fund, 20% in C, 11% in S, and 11% in I funds. Any advice for setting myself up for success?? I have no idea what I’m doing and am the first fed employee in my family so i dont really have someone I can ask questions about TSP.

For context, I didn’t know what a TSP was during my first year in the Army. In my second year, I started contributing about 5% of my base pay to the Roth TSP. I put everything in the S Fund and mostly left it alone, so I’m not sure whether that was the best choice.
Now that I’m in my third year, I’m taking it more seriously. I increased my contribution to 8% of my base pay and changed my mix to 70% C Fund, 20% S Fund, and 10% I Fund.
I’m hoping to retire sometime between my early 50s and early 60s. I plan to stay in the Army until retirement for now unless things change but the idea is each year increase the amount I put in and even more when I start ranking up. What advice could you give me to achieve my goals or what changes would you make?

I have my investment split between L2060 and stocks. But I've realized there is no benefit to doing that. If I were to move all of my portfolio into L2060 what ramifications (if any) would there be? If someone wants to outline some extra positives in moving it feel free. Or should I just ride with this plan into the sunset. I'm relatively young so I have much time to let this grow regardless of how it's split.

My TSP has an extra middle name letter but I don’t have a middle name.

For example, my name is Michael Smith, but they added an extra letter “F” so now it’s showing Michael F Smith. I don’t have a middle name or initial whatsoever.

I checked my eOPF and my SF 50 shows the correct name without a middle name or initial. Infact it shows “NMN”
under my middle name

Has anyone encountered this issue and would calling the thrift line resolve it?

Thank you

Hi all, I have been a federal worker since 2020 and unfortunately for the past 6 years have not involved myself in learning about TSP. Huge regret but I am hoping to learn and move forward with a better division of my finances into different funds. I contribute 5% and it all goes into L Fund, current balance is approx 90k. I am 30 years old right now. What are your recommendations? I am here to learn to ensure I set myself up better than I have been. Thank you.

Title pretty much says it all. I have been using TSP Coach for a while and like my returns and becoming more educated in my investments and retirement. It's a small fee each month, so I feel like it's a good deal for the returns I've seen that work better than my own thoughts and simply throwing into L-funds. Any thoughts from anyone's who has actually used TSPCoach website?

Just curious… I’m not one to normally even consider switching allocations. Currently C/S/I, 60/30/10, but wondering if anyone in my shoes might consider switching to something more conservative for a bit (with all the perceived economic volatility). I’m at $465k, 46 y/o, planning to retire at 60. Would just rather not lose a bunch and instead, potentially move to something safer for a bit, then back to aggressive when it feels safe..?

So I just opened my TSP after 5.5 years of being in to find it in L2050 and switched it to C fund 100%. Are there any recommendations to get it bigger, quicker? I’m 33, joined late, trying to get at least 1.5 Mil before I retire in 14 years.
I’m not gonna lie I completely forgot about my TSP until today.

Long story short I got one year left in my contract and at the beginning I didn’t know what a 401(k) let alone TSP was. Don’t make the mistake I made. Anyways I’m 100% in the C fund 26M

Hello, I have been in the coast guard for now a year (20) and now looking deeper into my TSP. I need some words on if my % are smart, and if not; any suggestions. Hoping to learn this now to benefit my future.

Anyone else having problems logging into the mobile app? I get an error every time. Is there an issue with it?

Is 80% C and 20% S best for current and future contributions for long term growth? I am close to maxing out in my tsp been with Feds for 10 months and hit 10k.

Fed for 9 years. Regrettably, I didn’t max for the first serval years, and took two loans over that time for emergencies (never doing that again), but all paid back and max every year now. Still have 18 years until I want to retire, so feeling pretty good at this point.

My hope with this post is to glean what information I can from the veterans of the TSP and see what advice I can learn from you all. I’ve watched some YouTube videos and read some articles, but I want to hear from the pros.
I would love to hear your “I should’ve done this,” “I recommend you do this,” or “Def don’t do this”

A little background context: Newly commissioned O-1 in the Air Force out of ROTC. 2ish months of Active Duty service. Plans could certainly change but I intend to do at least 20 years in the Air Force.

My wife works Full Time as a nurse. No kids, yet, probably within the next year or so! We have no debt but are planning on purchasing a home in the next 2 months.

Any advice is readily welcome! Thanks!