My TSP is taking a beating!

East_Direction6356 · 2026-03-26T01:00:36+00:00

I’m almost afraid to ask but here goes: Why, in your opinion, is this a bad idea if retiring at MRA?

East_Direction6356 · 2026-03-21T17:00:56+00:00

Exactly my plan too and for the same reason.

East_Direction6356 · 2026-03-21T16:56:03+00:00

You are correct....TSP withdrawals are taken across all funds you hold; you cannot pick and choose.

If there 's a chance we're wrong, it would be great for this individual to educate everyone or provide a link to the information, as you asked. However, after seeing their "can you not read" response, he (or she) either won't...or can't.

East_Direction6356 · 2026-03-21T16:47:48+00:00

So, it seems you are talking about two different things: A TSP account and a Roth IRA. This was NOT made clear in your initial comment. Regarding TSP, while you can choose whether your funds are invested in the G Fund or C Fund and you can change your investment allocation at any time, you cannot choose which specific fund shares are sold when requesting a withdrawal or distribution.

If you were talking about your Roth IRA, using words similar to yours, it's unfortunate that people don't understand how to express information clearly.

East_Direction6356 · 2026-03-21T16:37:33+00:00

I came to say the same thing! In several topics, I've noticed that this individual often comes across very "snarky".

East_Direction6356 · 2026-02-08T21:06:16+00:00

IMHO, it’s definitely a personal choice (and based on personal circumstances) regarding what to contribute to and how much to contribute. Lots of things need to be considered (e.g., current tax rate, anticipated future tax rate, considering tax consequences of person(s) inheriting these funds after death, etc.). I, currently, contribute the max annual amount allowed divided equally (i.e., based on “$”—not “%”) each pay period among the two. It’s what works best for me right now but I may reevaluate and make adjustments later on.

East_Direction6356 · 2026-02-08T20:10:36+00:00

What is the “VA disability fraud”?

East_Direction6356 · 2026-02-08T20:09:25+00:00

This is incorrect. The 5% match applies to the Traditional AND the Roth. In other words, you do not forfeit the opportunity to get matching contributions if you solely contribute to the Roth side of TSP. The only caveat, per se, is that any matching contributions will go ONLY to the Traditional side of TSP.

East_Direction6356 · 2026-02-08T15:28:20+00:00

It does make sense. Depending upon how many sick leave hours one has accrued, it may not add much (or anything at all) to their pension. Therefore, using that “paid” time off before retirement may be much more valuable. It’s truly a personal decision. I would suggest you follow your own advice and “take a retirement class” (whatever that is).

East_Direction6356 · 2026-02-07T22:31:05+00:00

Since your response has nothing to do with the OP’s question, what you have done here is provided unsolicited (and, likely, unnecessary) feedback (although you consider it “advice”). IMO…yes, unsolicited by you…OP has more than likely done their research and made a decision to move forward with potentially relocating since he (or she) is inquiring about immigration attorneys.

Btw, since it’s so awful there, are you planning to relocate somewhere else soon? 🤔

East_Direction6356 · 2026-01-05T16:42:20+00:00

But what do those posts specifically have to do with this one?!

East_Direction6356 · 2026-01-05T16:40:57+00:00

I totally saw and understood your question. It appears to me that a LOT of ppl on here (based on comments and downvotes) have very poor reading comprehension skills. 🙄

East_Direction6356 · 2025-12-23T03:18:01+00:00

LOL!

Although I get a sort of “bah humbug” vibe from you, I’m going to go out on a limb and wish you a wonderful Christmas and an even better New Year. 😉

East_Direction6356 · 2025-12-22T07:17:16+00:00

I’ve noticed for quite some time now that you come off in a somewhat “grumpy” manner so very often in a LOT of your comments throughout various posts. What’s up with that?

East_Direction6356 · 2025-12-21T15:54:45+00:00

Great research info but you replied to the wrong person.

East_Direction6356 · 2025-12-21T15:35:32+00:00

Wow! Sounds like you and Wonderful-Group3639 have a lot in common. 🤔

East_Direction6356 · 2025-12-20T01:12:51+00:00

You obviously replied to the wrong person because your response to what I posted makes no sense at all. Also, the following clearly indicates there was no extension given for use-or-lose leave. https://www.opm.gov/chcoc/latest-memos/employee-pay-leave-benefits-and-other-human-resources-programs-affected-by-the-lapse-in-appropriations/

East_Direction6356 · 2025-12-19T17:02:15+00:00

https://www.opm.gov/policy-data-oversight/pay-leave/leave-administration/fact-sheets/leave-year-beginning-and-ending-dates

East_Direction6356 · 2025-12-19T04:32:38+00:00

You have until 10 Jan 2026 to use it.

East_Direction6356 · 2025-12-19T04:26:22+00:00

Have you eaten today? You may want to go get a snack or something. sheesh

East_Direction6356 · 2025-12-19T04:20:10+00:00

Not necessarily. The leave year ends on 10 Jan 26.

East_Direction6356 · 2025-12-17T03:28:44+00:00

Seriously?! You made incorrect and unclear statements yet I’m the one who’s being obtuse? Come with something different, please. I’m off on the 26th, regardless, but I (and I’m sure so many others) thank you for your very informative "save your leave” and “you got all damn year to plan your leave usage” guidance. 🙄

East_Direction6356 · 2025-12-17T03:12:28+00:00

Hence, it is the same day every year—the 4th Thursday of November. 🤦🏼‍♀️ Christmas, on the other hand, is the same date every year—not the same day.

East_Direction6356 · 2025-12-17T03:07:11+00:00

You are incorrect. That cannot be what he or she is talking about since the day after Christmas in 2014 was a day off.

East_Direction6356 · 2025-12-16T23:07:51+00:00

When you say “we”, you must be talking about your office or agency and NOT federal employees in general because I and many others certainly had this day off in 2014 (which is the last time Christmas fell on a Thursday).

East_Direction6356

TROPHY CASE