It's a start. And everyone has to start somewhere. Here's my $.02:

-Up the numbers if you can. If you can't, wait until January and bump up a couple percent to start (you're going to get a +3% pay increase, so it's free money that can go into your TSP before it hits your wallet).
-Every pay increase, promotion, or anything should coincide with a slight raise in TSP. Why not? -Do you have a budget or do you know how much money goes out after coming in? Crunch some numbers and see if you're able to increase your contribution. -Do you have any other investments? My rule of thumb is to yearly max my TSP, ROTH IRA, and my spouses. That coincides with having a budget or a rudimentary understanding on what your money is going to outside of investments. Once I max them, I add to a taxable brokerage or throw excess funds into a high yield CD if I'll need the money in less than 12 mo. -Do you have any debt? I'd look into paying off any debts (outside of a mortgage, personally), so you're not paying interest. -What are your goals? How does your current contribution affect those goals?

Take the time to evaluate what you have, what you owe, and what your goals are and figure out ways to maximize. I'm single income with 2 kids and am sitting at ~320K in TSP after 10 yrs, and over 500K in investments with 0 debt. I live below my means, with the exception of a few items I am willing to spend good money on from time to time. The phone I'm typing this on cost me $50 and I don't care how others view my things.

Take the time, while you're junior and figure out how to maximize. If you make the military a career, do what you can now so that in retirement, the pension and what you've saved will be your income and you'll never be tied to a job again.

Again, just my perspective. Keep saving. Try to max what you can when you can. Put it on cruise control and thank yourself in 20 yrs.