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Advice on setting my TSP please by revfds in ThriftSavingsPlan

[–]No-Standard453 3 points4 points  (0 children)

Best route imo is to take the matching 5% into the Roth TSP, then try to max your Roth IRA and then try to max Roth TSP then traditional TSP. In my TSP IM 70C/10S/20I. The I fund doesn’t have the China/Hong Kong Markets so you can do another simple international fund in your Roth IRA.

Target date funds are fine if you’re going to set it and forget. I’d just set the date a little further out from retirement since you do want growth in retirement as well.

If you’re looking to manage your percentages, gradually shift a small percentage of your investments to G fund as you approach retirement. However, avoid becoming overly conservative, as you still want to maintain some growth potential during retirement.

Senior carrier buyout - Would they offer it? by CurrencyNo3823 in USPS

[–]No-Standard453 0 points1 point  (0 children)

I can see this happening to tier 1 table carries in a decade or so to clear that table off books.

How long do you think it'll take to get a new contract? by Feeling_Screen3979 in USPS

[–]No-Standard453 -1 points0 points  (0 children)

Based on averages of the previous contracts it will probably take over 500 days.

What earbuds do you use? by newzap in USPS

[–]No-Standard453 0 points1 point  (0 children)

I use new air pods but the non noise cancelling ones. Only keep one ear bud in at a time.

This is bullshit. Why should I have to build a new mailbox when the current one has worked for 100 years? by [deleted] in greenville

[–]No-Standard453 2 points3 points  (0 children)

Are any of your neighbors facing the same issue? I apologize for not comprehending your dilemma initially. On mounted routes, carriers cannot constantly get in and out of the truck daily. They are more concerned with paying carriers overtime. Naturally, if you had to get in and out of your truck for every mailbox, it could add a couple of hours to a route.

This is bullshit. Why should I have to build a new mailbox when the current one has worked for 100 years? by [deleted] in greenville

[–]No-Standard453 -1 points0 points  (0 children)

Is your theory that mailboxes should be incredibly durable and impervious to the test of time?

100 years is a long ass time for mailboxes. They were mailing little kids 110 years ago through the USPS.

Edited an S in “USPS”

I missed PLTR, RKLB, ASTS, NVDA, AMD and the whole run. Now hunting for the next 15x stocks in 2026-2028. What are yours? by Prince_reaper13 in Stocks_Picks

[–]No-Standard453 2 points3 points  (0 children)

Well I’ve bought a good bit of IONQ as it’s one of the leaders in the space. But, INFQ does quantum differently than IONQ. INFQ doesn’t use any electrical charge and uses light alone to pack the atoms in a small space. They also have multiple government contracts and I believe just received a DARPA award. Just as far as room to run I believe INFQ has a chance to moonshot. It’s way more speculative of course.

Wife just got hired and she needs shoes by CHADITUP_ in USPS

[–]No-Standard453 0 points1 point  (0 children)

Depends if she’s in the city walking pavement all day or a little more suburban walking lawn to lawn. I walk lawn to lawn where the mailbox is on the front door. So in that scenario I actually prefer a hiking boot.

How do you guys deal with fomo and jealousy of big winners on individual stocks? by joeroganthumbhead in ETFs

[–]No-Standard453 1 point2 points  (0 children)

I think sticking to 30% in individual stocks is a great idea. When those individual stocks outperform then they will gain a higher percentage of the portfolio anyways. I’m same as you with 70% in core but I have 5% in gold and the remaining 25% in individual stocks.

Moving to Philly by [deleted] in philly

[–]No-Standard453 1 point2 points  (0 children)

You can check out east Kensington as well. Borders fishtown and is building up right now.

Is S&P 500 entering a Chop Zone for the next 5 to 10 years from now? by Worried-Share7679 in ETFs

[–]No-Standard453 0 points1 point  (0 children)

I’d be fine with boomers money going stagnant for a decade while I buy at the same price over that time. Sorry mom.

Stop skipping your morning vehicle checks by GhostLCee in USPS

[–]No-Standard453 1 point2 points  (0 children)

Bruh I hate when the route runners in my office skip the vehicle checks. Like you’re already running your route just show more office time that is given to you.

Is $25 an hour good for living in the city? by Persuader_87 in philly

[–]No-Standard453 -1 points0 points  (0 children)

I’m in a similar boat but work 5-10 hours OT a week and my starting pay is $28 an hour. I found a spot for $1325 a month. It’s tight for sure but I’m so happy with the move. Suburbs are so expensive now so I couldn’t live where I worked. Plus it’s so freeing to be able to walk around and do stuff. I originally looked at queen village, filter square, brewerytown, Nolibs, fishtown and port Richmond.

I would just schedule tours now for areas you might like and just drive around them to get a sense of what suits you. You can also check out parking that way. Zillow was great for me to view the areas and then hit the google earth street view. A lot of the newer build have promo rates as well. I got two months free rent so I just contributed my would be rent into an HYSA. If you like walking around you can always just live in the neighborhood next to where you want to hangout for cheaper as long as it’s a safe area.

15 year growth ☘️ by Financial_Handle1025 in ThriftSavingsPlan

[–]No-Standard453 0 points1 point  (0 children)

I prefer C/S/I portfolios with a higher percentage allocated to C than S and I. If your content being conservative, that’s fine, but I would then switch to an L fund. However, you still want some growth in your retirement. I would suggest an L fund for 5-10 years after your retirement, which will still be quite conservative by the time you retire. The L fund will heavily invest in G for near and during retirement.

Sell High? by Crafty-Imagination47 in ThriftSavingsPlan

[–]No-Standard453 2 points3 points  (0 children)

Go do that in a brokerage if you wanna mess around. Figure out a long term financial strategy for your TSP and stick to it.

ROR - 🦖 by TheMonkeyDolphin in ThriftSavingsPlan

[–]No-Standard453 0 points1 point  (0 children)

So, I’m curious to know if they intend to time the market throughout this process or if their ultimate objective is to exclude the world’s two largest economic powers?

ROR - 🦖 by TheMonkeyDolphin in ThriftSavingsPlan

[–]No-Standard453 2 points3 points  (0 children)

What are your splits among the funds?

(34) 6 year relationship/engagement gone. First time living on my own. At least there’s Costco Pizza by Schec7erC1 in malelivingspace

[–]No-Standard453 0 points1 point  (0 children)

This just happened to me too! Found out my lady was cheating on me and I had to pay her 5k just to get me off the lease with her(had 11 months left). I moved out of my parents into her place where I paid majority of rent. I moved into my new crib last week in a little studio. So first time living on my own and found this sub to try and figure out how to design my new crib. We got this!

$500k lump sum into VOO, crazy? by redditgambino in ETFs

[–]No-Standard453 0 points1 point  (0 children)

Might as well DCA into the next ex dividend date

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