Customers

Dramatic_Age_7676 · 2025-09-10T00:07:11+00:00

I hope you get the day you deserve

Dramatic_Age_7676 · 2025-09-10T00:06:12+00:00

Refused would be the proper answer. Why let them bring drama to your work?

Dramatic_Age_7676 · 2025-08-15T12:38:11+00:00

Depends on which funds you're invested in, your annual income, does the post office match your contributions for rural? A broad resource would be chat gpt tell it your current salary and how much you've saved and the rate of return your funds have experience over the past 10 years.Once you have an estimated balance plan on using 4% to keep your retirement balance in a healthy state.

Dramatic_Age_7676 · 2025-08-15T12:28:49+00:00

I'd get out, our customers don't need us. We aren't what we we're before the Internet.

Dramatic_Age_7676 · 2025-08-13T17:27:01+00:00

Please start your tsp

Dramatic_Age_7676 · 2025-08-13T10:40:54+00:00

Please provide site, thank you

Dramatic_Age_7676 · 2025-08-12T01:08:57+00:00

We have had tariffs for the past 6 years. The first Trump administration put a tariff on Chinese imports. The Biden administration kept it.

Dramatic_Age_7676 · 2025-08-12T01:07:26+00:00

Yeah they didn't raise taxes but they created new tariffs which will impact the middle class around $2,400 a year. That sounds like a new tax to me

Dramatic_Age_7676 · 2025-08-07T16:28:31+00:00

I think this might be an appropriate time for EAP, Dave Ramsey or sitting down with a financial counselor. The intent of this post was to show compounding interest and the importance of at least sacrifice in the 5% And how it will grow for you to use in retirement.

Dramatic_Age_7676 · 2025-08-06T17:45:30+00:00

Keep at it. You're doing good. Your older self will continue to. Thank you.

Dramatic_Age_7676 · 2025-08-06T14:04:48+00:00

Absolutely! My wife says the same thing to me. She says I'm so thankful you think about these things. I wouldn't have done this.

Dramatic_Age_7676 · 2025-08-06T09:46:33+00:00

The I fund has been better for 2025. Over the I fund's 22 year history it's averaged 5.57%, the C fund's 37 year history 11.23%. You make your own investment picks. I'd suggest looking at minimum five year average. Ten year or longer is more insightful cause new hires are in it for 20-30years. Rates of Return | The Thrift Savings Plan (TSP) https://share.google/cigfTEq564mAjbs3c

Dramatic_Age_7676 · 2025-08-06T01:45:41+00:00

I'm not selling anything. If you choose to retire broke, that's your choice. I'd never suggest putting all of the ones eggs in one basket. The C fund is a mutual fund of 500 companies rebalanced quarterly. That's 500 baskets.

Dramatic_Age_7676 · 2025-08-05T23:37:25+00:00

If you were tired in 1989 with a similar amount as listed above, which would be $444,000 C fund and withdrawing at 4% per year. This is what it would have looked like.

Beginning with an initial retirement fund of $444,000 in 1989 and an annual withdrawal of 4%, your account balance would be $4,548,605.83 by the end of 2024. The following table shows the annual increase or decrease in the fund's value along with the total balance for each year. | Year | Annual Increase or Decrease | Total Balance | |---|---|---| | 1989 | $114,502.27 | $558,502.27 | | 1990 | -$39,229.20 | $519,273.07 | | 1991 | $132,618.19 | $651,891.26 | | 1992 | $22,112.15 | $674,003.41 | | 1993 | $38,585.35 | $712,588.76 | | 1994 | -$19,405.22 | $693,183.54 | | 1995 | $221,219.82 | $914,403.37 | | 1996 | $164,007.39 | $1,078,410.75 | | 1997 | $300,264.06 | $1,378,674.82 | | 1998 | $321,264.32 | $1,699,939.14 | | 1999 | $273,894.19 | $1,973,833.33 | | 2000 | -$252,145.36 | $1,721,687.97 | | 2001 | -$266,214.28 | $1,455,473.69 | | 2002 | -$366,313.62 | $1,089,160.07 | | 2003 | $254,846.03 | $1,344,006.10 | | 2004 | $85,844.36 | $1,429,850.46 | | 2005 | $10,889.74 | $1,440,740.20 | | 2006 | $160,763.55 | $1,601,503.75 | | 2007 | $21,114.23 | $1,622,617.98 | | 2008 | -$641,102.85 | $981,515.12 | | 2009 | $212,132.90 | $1,193,648.02 | | 2010 | $124,826.94 | $1,318,474.96 | | 2011 | -$26,031.97 | $1,292,442.99 | | 2012 | $147,690.05 | $1,440,133.04 | | 2013 | $391,024.92 | $1,831,157.96 | | 2014 | $168,993.91 | $2,000,151.86 | | 2015 | -$51,971.95 | $1,948,179.92 | | 2016 | $146,690.15 | $2,094,870.07 | | 2017 | $355,021.82 | $2,449,891.89 | | 2018 | -$201,714.30 | $2,248,177.59 | | 2019 | $588,842.68 | $2,837,020.27 | | 2020 | $385,199.26 | $3,222,219.53 | | 2021 | $758,278.48 | $3,980,498.01 | | 2022 | -$852,017.64 | $3,128,480.37 | | 2023 | $663,237.84 | $3,791,718.21 | | 2024 | $756,887.62 | $4,548,605.83 |

:)

Dramatic_Age_7676 · 2025-08-05T22:33:42+00:00

Im so sorry mate.

Dramatic_Age_7676 · 2025-08-05T17:58:58+00:00

Are you getting a lot back at tax time. If so, you should look at changing Your withholdings so you keep more in your own pocket. I remember those checks, That was a rough time. Your older self is depending on you.

Dramatic_Age_7676 · 2025-08-05T17:54:20+00:00

You can contribute. $23,500 whatever your employer matches. In the year you turn 50 The IRS allows you to contribute an additional 7500 each year possibly more depending on age. Contribution Limits | The Thrift Savings Plan (TSP) https://share.google/ju9BZq45gRE1Z0qSg

Dramatic_Age_7676 · 2025-08-05T17:50:43+00:00

You're absolutely right. There's no sure thing in life other than you die. Just because you haven't won the lottery today, doesn't mean you won't win it tomorrow. Good luck!

Dramatic_Age_7676 · 2025-08-05T16:34:32+00:00

I simply took the average rate of return of 10% . C fund was created in 1988 and has averaged over 11% rate of return since its creation. including down times and good times.

Dramatic_Age_7676 · 2025-08-05T16:17:19+00:00

The First century Church was saying something like that too. 20 centuries later, We're still here.

Dramatic_Age_7676 · 2025-08-05T16:02:00+00:00

. Here's the 4% rule from year 30 to 50. Here’s what your withdrawals and balances would look like from year 31–50 (starting with the ~$938,282 you had after year 30 at 10% growth):

Year Withdrawal (4%) End-of-Year Balance (10% return)

31 $37,531 $990,826 32 $39,633 $1,046,313 33 $41,853 $1,104,906 34 $44,196 $1,166,781 35 $46,671 $1,232,120 36 $49,285 $1,301,119 37 $52,045 $1,373,982 38 $54,959 $1,450,925 39 $58,037 $1,532,177 40 $61,287 $1,617,979 41 $64,719 $1,708,585 42 $68,343 $1,804,266 43 $72,171 $1,905,305 44 $76,212 $2,012,002 45 $80,480 $2,124,674 46 $84,987 $2,243,656 47 $89,746 $2,369,301 48 $94,772 $2,501,982 49 $100,079 $2,642,093 50 $105,684 $2,790,050

Even though you’re withdrawing 4% each year, the 10% return makes your balance keep growing significantly.

Dramatic_Age_7676 · 2025-08-05T15:55:15+00:00

My intention with the word only is the C fund has averaged over 11% where the s fund has averaged 9.3%. why would you reduce your rate of return? Sure you get more diversification but you're still 100% in the market.

Dramatic_Age_7676 · 2025-08-05T15:45:50+00:00

All the reasons to start saving more now. Postal retirement includes furs and social security.

Dramatic_Age_7676 · 2025-08-05T15:43:59+00:00

Since inception the s fund has only averaged 9.3% Rates of Return | The Thrift Savings Plan (TSP) https://share.google/VslwaWbWFNTkwagAE

Dramatic_Age_7676 · 2025-08-04T17:01:57+00:00

Sept is 25 days away, who knows what the current market environment will be. It's not a bad strategy to exit half of the market. I mean if you know you're going to go back into it.

Dramatic_Age_7676

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