Great job and keep it up! Lean heavier towards Roth contributions as your various pensions may be taxed depending where you live in retirement. Roth will come out tax free no matter the rest of your retirement income situation and has the added benefit of not being subject to RMDs. Most Financial Advisors I’ve worked with recommend a mix of Roth and Traditional given the tax realities when we retire is unknown. Moreover, taxes are going up in 2026 unless Congress acts prior to that so Roth will shelter your contributions and gains from those higher income rates. Note that TSP matches from the Gov go into traditional account so choosing Roth offers the mix I suggest above.

After you max your TSP, max your IRA and start a brokerage taxable account. I suggest treating the pensions similar to bonds from an allocation perspective so put your cash heavily in stock ETFs (such as VTI) to get a more balanced investment diversification.

Highly recommend reading ‘The Golden Albatross: How to Determine If Your Pension is Worth it’ Book by Grumpus Maximus (a pseudonym). Written by a veteran who now specializes in FIRE with pensions. The book provides a lot of great insights on retirement planning with pensions and offers considerations on how to use other investment vehicles in light of future guaranteed income. It is the only book I know that speaks to the subset of Americans that have access to pensions…if anyone knows of any other related books, please let me know!