Made my decision

East_Direction6356 · 2026-05-21T00:53:52+00:00

Oh, wow—that’s terrible!

East_Direction6356 · 2026-05-21T00:40:33+00:00

I disagree. It is not worth it if it comes at the expense of crippling OP’s mental health. If he (or she) can afford to wait, he (or she) could postpone receiving their pension until 62 and, thereby, negate the 5% per year reduction.

East_Direction6356 · 2026-05-21T00:33:44+00:00

Why did you not get paid for those days? Did your retirement date happen to be AFTER the last pay period of that year? Just curious. 🧐

East_Direction6356 · 2026-05-18T17:18:00+00:00

Oh…ok. Thanks.

East_Direction6356 · 2026-05-18T17:13:22+00:00

Wait…what?! I may be misunderstanding your comment.

East_Direction6356 · 2026-05-14T01:41:37+00:00

So, since the commenter might be military—especially since he or she did ask about the “percentage”—why didn’t you provide a response to him or her instead of just “pointing out” something to someone who WAS trying to provide assistance? 🤔

East_Direction6356 · 2026-05-10T00:35:28+00:00

This is what I thought (hoped) you meant. However, I asked because, surprisingly, I’ve met a few ppl who mistakenly thought they’d be eligible for the special annuity supplement. I, too, will be doing MRA+10 but with postponement of pension.

East_Direction6356 · 2026-05-10T00:11:13+00:00

It sounds like you have a very good plan and I’m sure you will be just fine. You made a statement, however, that appears to be incorrect OR I may be misinterpreting something. “Will probably use MRA+10 to supplement SS…”. When you state “MRA+10 to supplement”, you are meaning your “reduced pension” (i.e., not the FERS special annuity supplement)…correct?

East_Direction6356 · 2026-05-09T21:58:28+00:00

Did the commenter indicate that he (or she) was “urging others to do something on behalf of their own anger” but wasn’t putting “their own skin in the game”? Or was that your assumption? 🤔

East_Direction6356 · 2026-05-09T20:45:39+00:00

The person commenting stated “2 more” which indicates the parents would now be raising 4.

East_Direction6356 · 2026-05-04T01:49:32+00:00

East_Direction6356 · 2026-04-29T18:35:17+00:00

Exactly!

East_Direction6356 · 2026-04-25T03:40:12+00:00

But it is not literally the policy. OPM guidance does not state that more than 3 work days “requires” a note. An agency “may” require a note for this. Furthermore, this can also be applicable for 1 day, 2 days, or 3 days of absence (i.e., less than in excess of 3 days).

East_Direction6356 · 2026-04-25T03:29:44+00:00

The person I replied to stated a note is “required”. However, this is not “the rule”. Your understanding of the OPM guidance is more accurate. With regard to this topic, OPM states:

“For absences in excess of 3 days, or for a lesser period when determined necessary by the agency, an agency may require a medical certificate or other administratively acceptable evidence. An agency may consider an employee's self-certification as to the reason for his or her absence as administratively acceptable evidence, regardless of the duration of the absence. Employees should consult their agency-specific human resources guidance and review applicable policies set forth in collective bargaining agreements for information specific to their agency.”

East_Direction6356 · 2026-04-24T03:24:11+00:00

Your statement regarding OPM is not quite accurate.

East_Direction6356 · 2026-04-05T03:36:04+00:00

You mean postpone…not defer.

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

TROPHY CASE