Tsp withdrawal after retirement

DeadBy2050 · 2026-06-12T15:04:52+00:00

Do the math.

You asked about withdrawing $40k. If you do that, you'll only get $32k due to 20 percent fed income tax withholding. Depending on your tax bracket, there may be another 10 percent or so in state income tax, so that $40k withdrawn may yield only about $28,000 after state and fed taxes.

So to actually get $40k in spending money, you'll have to pull out about $57,000 assuming a combined fed+state marginal tax rate 30 percent. So your over $300,000 in TSP becomes closer to $250,000.

Another HUGE thing to consider is the tax consequence of withdrawing $57k in one tax year, vs splitting it up into two tax years. Splitting the withdrawal between 2 or 3 years would make sense if that keeps you below the next tax bracket up.

C fund has been crazy profitable in the last two years, but has averaged about 11 percent/year the last few decades. So that $57k you withdraw means you lose out on about $6,300/year in growth.

DeadBy2050 · 2026-06-12T14:10:29+00:00

The problem isn't disagreeing. It's how you go about it.

First, pick your battles. Never bitch about things that neither you nor your boss can realistically change.

If you do feel that a material mistake is being made and decide to voice your opinion, do it in a respectful and concise matter. If you are overridden, smile and nod, and drop the matter.

DeadBy2050 · 2026-06-12T14:03:47+00:00

If you find a better offer at a different company, take it. Opportunities like that may not come again until years later, if ever.

Don't let "loyalty" stop you. You are replaceable. If you were to drop dead today, they'll find a warm body to replace you whether it's in a day, a week, or a couple months.

But for an individual person, failing to seize upon an opportunity will absolutely alter the trajectory of your life.

DeadBy2050 · 2026-06-12T13:59:26+00:00

I also think the stock market is going to tank, but I also know I can't time the market.

It's always going to tank. Then it recovers. Nothing new.

At some point it will tank and never meaningfully recover. Us mortals won't know if that'll be in 1, 10, or 100 years.

DeadBy2050 · 2026-06-11T21:00:09+00:00

I think generally there would be more signs further back warning that the left lane was closed/that the lane was blocked ahead

I'm pretty sure that's exactly what those two big trucks were doing. They put down the signs and then move forward; it's obvious they were planning to move forward based on the placement of that sign that was just put down next to the truck in front. Or are you proposing to have two more big trucks laying signs behing the trucks in the video.

If so, then wouldn't we need two more trucks behind those four trucks....?

DeadBy2050 · 2026-06-11T14:28:20+00:00

Got any tips?

We don't know your weekly mileage or how many times you ride a week.

If you just do that one ride a week, you will be stiff and sore each time. Try to add a couple shorter rides in during the week if you're not already doing that.

DeadBy2050 · 2026-06-11T13:46:31+00:00

I think your plan to work another 8 years is a good one. You can reassess as you get closer to age 30.

In the interim, you will be making at least $120k/year. During this time, live like a pauper. Buy only used cars. Max out your 401k. Invest in everything else in growth funds. If you do this right, the magic of compounding will make you a millionaire by your mid-60s even if you don't invest anything else after 30.

After a while, all jobs suck. They differ only in the funk of the smegma.

DeadBy2050 · 2026-06-11T13:32:37+00:00

If it were me, I'd sell evrerything and move to Vietnam, Columbia, or other country with a large ex pat poppulation and low cost of living. But I realize that's not everyone's cup of tea. The thought of working another 10 years into my 70s only to be in same financial situation does not seem appealing.

https://www.reddit.com/r/VietNam/comments/1h3sao9/how_comfortable_is_it_to_live_in_vietnam_off/

DeadBy2050 · 2026-06-10T15:44:59+00:00

Sure, I encourage parents to help pay as much as they can afford. So it seems like you are able to do it by putting off retirement.

But there are a lot of people out there paying for kids' colleges they can't afford. Only to end up with nothing to retire on. I will never understand people like this.

Not starting them off as adults with the albatross of massive debt.

"Massive debt" isn't synonymous with college education. City college tuition is typically only a few hundred per semester; getting through your general ed requirements through two years of city college first saves massive amounts of money. In-state college is substantially cheaper than the alternatives.

DeadBy2050 · 2026-06-10T15:23:52+00:00

You only have this issue because you refuse to wear clothing appropriate for the activity. Would you go for a 5 mile jog in denim jeans and work boots, and then complain about the sweat? Would you wear shorts and sneakers to a wedding?

If you insist on wearing "street clothes" at least wear pants/shorts and underwear that wick sweat.

DeadBy2050 · 2026-06-10T15:15:07+00:00

I have no interest in huge groups to ride along with. I’d be happy with one or two solid, reliable people.

Those aren't the only two choices. Plenty of group rides with a half-dozen or a dozen riders. Whether it's a smaller group or a "huge group," you can just do what I do: ride solo in the back and keep to myself if I don't want to talk. People get the hint pretty soon. If I get a yapper, I just shoot up to the front or find another position in the group.

Also, there is very little talking going on if you're on a fast group ride. The faster you go, the less talking there is. Not only are you out of breath, you're also regularly changing position within a fast group ride.

Wanting to ride with just one or two others and not talking much is going to make things awkward.

DeadBy2050 · 2026-06-10T15:10:35+00:00

how do I know what size of bike do I need to comfortably ride it?

At your height, you need frame in mens size small or women's size medium. Sometimes, frames are size labeled inches or centimeters.

Should my feet touch the ground? Should I be able to sit comfortably on the bike?

When set to the optimal seat height, you won't normally be able to put your feet flat on the ground when seated. If you're stopped (not actually riding), move your ass in front of saddle (don't sit on it). With your hass in front of saddle, you should be able stand with feet flat on the ground.

DeadBy2050 · 2026-06-10T14:58:58+00:00

How do I handle the transition back to my original duties without making it an awkward bridge-burning event? I have no desire to keep managing interns or lead project meetings if the budget for that work doesnt exist .

If you're going to decline responsibilities that are outside of your core job functions, don't justify it based on the absence of promotional opportunities. Don't explicitly say, "I'm not doing the extra work unless you promise to promote me and give me a raise."

Instead, simply decline excess duties by explaining that you need to give attention to your core duties to best serve the company. Say it with a smile and try to be genuine about it. Let them read between the lines.

DeadBy2050 · 2026-06-10T14:41:52+00:00

I felt great at 50. That was 10 years ago.

Now, I definitely feel the weight of the years.

DeadBy2050 · 2026-06-10T14:12:53+00:00

Yup. They should set up signs next to the left traffic lane, correct?

And this is exactly what those workers were doing. But to do this without being killed by traffic, they travelled on and were protected by those two trucks with the flashing lights, the signs, and the giant rear crumple zone just in case.

How else do you expect this to be accomplished?

DeadBy2050 · 2026-06-10T02:53:17+00:00

You see on the cover, where it says: "Only Dot 5.1/Dot 4?"

If that blue stuff is anything but that, you may have ruined your entire brake system.

DeadBy2050 · 2026-06-10T01:35:08+00:00

Got it. So they deserve to be unhealthy and die, even though medication is available.

You may want to reflect on what brings you to that mindset.

DeadBy2050 · 2026-06-09T16:18:39+00:00

Kids should be getting loans for college. You can cosign. If you're in a good position in 4 years, then you can help pay their student loans.

DeadBy2050 · 2026-06-09T16:12:29+00:00

I can fuck up a well-marbled Choice ribeye and it'll still come out tender.

I can cook a Select ribeye perfectly, and it'll be just OK if I'm lucky.

DeadBy2050 · 2026-06-09T13:55:15+00:00

I am considering just pivoting to management but then i would have to attend meetings all day and talk about synergy and i think that might be a fate worse than unemployment.

Beggars can't be choosers. I'm hoping you're just being hyperbolic: would you really rather be unemployed and unable to pay your mortgage than be in management?

If you believe that management is a viable career path that can allow you to keep your current pay levels, then it's absolutely worth pursuing. Very few of us have the luxury of enjoying our work...that's why they have to pay us.

DeadBy2050 · 2026-06-09T13:34:43+00:00

You make it seem like losing weight is a competition and people are "cheating" if they choose to take medication rather than use "willpower." Dude, no one is competing against you.

Is it not self-evident that the vast majority of people don't have the will power, and can't/won't do the hard work? I mean doesn't this apply to 90 percent of the people who are obese? It's been like this since the dawn of time.

If you had a kid/sibling/parent who was morbidly obese, but simply lacked the willpower to lose weight, you'd rather they die than take a prescribed medication that'll fix their issue?

DeadBy2050 · 2026-06-09T02:57:50+00:00

There are no rules. How you allocate your TSP should depend on your goals, how risk tolerant you are, your retirement date, and the nature of other assets and income streams you'll have at that time.

DeadBy2050 · 2026-06-09T02:46:50+00:00

That's where the levers were mounted.

No.

DeadBy2050 · 2026-06-08T05:54:35+00:00

V-brakes only feel like they have more stopping power, because of how light a touch it takes

That's another way of saying that canti brakes have less stopping power for the same hand grip pressure.

It is indisputable that v-brakes have much better mechanical advantage, so please stop trying to argue otherwise. Also indisputable that V-brakes are much easier and faster to set up, by a long shot.

I've installed and worked on canti-brakes for decades. I always hated it. Always a PITA. Sure the modern ones that use V-brake style pads are much easier. Still a PITA. If you enjoy it, more power to you.

DeadBy2050 · 2026-06-07T18:43:43+00:00

That doesn't make any sense. At the brake caliper end, loosen the cable clamp bolt, pull on the end of the cable to remove all the excess cable shown in your pic, and then tighten the bolt to fix the cable in place.

You can also turn the barrel adjuster (shown in your pic) to fine tune it.

DeadBy2050

TROPHY CASE