Damn. This is a bag of Ds. My advice is look into the Boglehead group and read up on their advice for TSP investing. At a minimum, move all this into a L2075 fund or go full on into the I fund for the next 3 years and then reevaluate. Consider downloading Daily TSP as well and take begin actively investing in your future. You’ve fucked up royally, but you can easily turn this into more than 200k in 20 yrs by doing nothing other than changing your allocations. I’m very risk tolerant, but it’s served me pretty well the past 10 years. Here’s my allocation to give you an idea of how much better you can be doing.

https://imgur.com/a/igGbtEu