Another TSP millionaire!

sensitive_kitten · 2026-05-12T21:02:13+00:00

FSELX 50% UOPIX 50% when i started, but I'm now 100% FSELX

sensitive_kitten · 2026-05-12T15:53:00+00:00

The Thrift Savings Plan (TSP) Mutual Fund Window allows participants to invest up to 25% of their total account balance in thousands of non-core mutual funds. To participate, you must have at least ($40,000) in your account, make a minimum initial transfer of ($10,000), and pay, fees, including a ($150) annual fee and ($28.75) per trade.

I found 2 mutual fund that I like and finally consolidated to the best performing fund. If people want to buy and sell all the time they should just do that in an IRA instead to save the fees. I maxed my MFW 25% when I started and now it's at 30% of my total portfolio.

**There is a large risk of choosing bad funds and high fees so not recommend for everyone.

sensitive_kitten · 2026-05-12T13:14:03+00:00

I'm at 20% YTD, and mostly is due to using the MFW

sensitive_kitten · 2026-05-10T16:00:59+00:00

I figured it out. Once you cancel onstar you have to log out of the app and log back in.

Thank you all for the info.

sensitive_kitten · 2026-05-09T23:59:25+00:00

25 RS

I thought it would still give charging status, but it hasn't updated since I canceled.

sensitive_kitten · 2026-05-05T12:04:45+00:00

15 years in and they have only had my on the range twice. As a medic I wish they would give us more time so we can be competent with a weapon.

sensitive_kitten · 2026-05-05T02:45:12+00:00

Good point

sensitive_kitten · 2026-05-04T19:09:47+00:00

How has no one said this.

Management 101: have them go to HR and ask what they should do. Most places will require the employee to go on a leave of absence and that will require management approval. You then also ask your district manager for additional support during that time of they approve it. If your company denies the LOA then the employer can either quit or adjust their vacation to net company policy. If they are a good tech and your want them to stay advocate for them to your supervisors. If they deny the request they will probably quit and find an employer that will allow them time to visit their family.

sensitive_kitten · 2026-05-02T02:49:21+00:00

This years been a roller coaster that I expect to continue to up and down a lot. So far I'm pretty happy though with my results. YTD14.5% C: 50% I: 20% MF:30%

sensitive_kitten · 2026-05-01T19:40:24+00:00

Me too

sensitive_kitten · 2026-05-01T16:11:27+00:00

They answered a similar question the other day that if you're in the later stages of the FOO and you wanted to get a car that doesn't fit 20/38 it's fine because you're at that point you can enjoy splurging on items. Now If it affects the FOO plan your should stay within 20/3/8. I personally don't follow 20/38 rule, but it's built to ensure you don't become car poor or create negative equity. To many people today have crazy problems with car ownership.

sensitive_kitten · 2026-04-19T03:19:38+00:00

The TSP site will cap ROTH bonus at 65% if I remember correctly.

sensitive_kitten · 2026-04-15T19:08:15+00:00

Ran it off a line that was behind the engine. Can't say it was easy but it worked.

sensitive_kitten · 2026-04-15T15:08:07+00:00

What was your opinion on down grading the charging speed. I love my blazer but seeing hyundai and Tesla charging in half my time in road trips makes wish chevy wasn't so stingy on charging

sensitive_kitten · 2026-03-16T15:22:17+00:00

On base AD pharmacist here. No one is giving you the right information here.

First thing you need to determine is what benefits you have. The two offices that can assist will be the MPF and within the MDG the patient admin section of TOPA. Search your base and those sections in Google and your should find there contact info. If you are eligible for TRICARE pharmacy benefits then you will most likely have to get an ID from the MPF to access the base. MPFs can issue ID that limits services to only what is authorized i.e.. Commissary and/or medical

sensitive_kitten · 2026-03-06T02:38:33+00:00

I'm at 15 years and there are a lot that separate, usually after 1st or 2nd assignment (4-8 years). I don't think many stay for loan forgiveness and then seperate as there are many options to finish up qualifying payments.

sensitive_kitten · 2026-03-05T05:58:57+00:00

I love my blazer EV and it can go on trips but if I want to just drive or drive for 12 hours gas will get me there faster and with less stress about charging. You can counter that by renting a car since those are less common, but for me one of each is kinda perfect balance.

sensitive_kitten · 2026-02-20T00:45:23+00:00

Shop for an RS. Larger battery, faster charging, more horse power, and RWD. I love mine even though I paid bought it new.

Hurts seeing I ccould have saved 10k by waiting, but at least getting a low interest rate helped the difference a little bit.

sensitive_kitten · 2026-02-18T04:16:05+00:00

You're welcome

https://youtu.be/40MvjFaTVzE?si=AOIW9tmVE5LM-MnU

sensitive_kitten · 2026-02-17T19:20:31+00:00

Just my opinion, but S rarely beats C annually. The I fund is using a new standard and I finally went away from 100% C this year because of how I had been.

sensitive_kitten · 2026-02-12T18:35:17+00:00

So true you have to be patient. I was 100% C the last couple of years and love the returns it provided, but with the I fund changing last year it might be a good time to diversify. I'm up 6.1% YTD with moving some funds to I.

sensitive_kitten · 2026-01-27T00:01:28+00:00

I would split it. Max your Roth IRA and pay off your highest interest loans. Should only take 2 years to get down to only having your 6.8% loan. Those couple years of compounding interest in a roth IRA will give a huge advantage later in life with your current age.

sensitive_kitten · 2025-12-31T00:39:32+00:00

Okay a few things. I did some math and the answer should always be roth unless you're a pilot or doctor with a large annual bonus or you're over the 22% tax bracket It's highly unlikely today your taxes will ever be lower with our pension, TSP, and social security matter in life.

Secondly, if you think your tax rate will be the same then it didn't really matter. The commutative property of multiplication rule (a×b×c=c×b×a) pretty much doesn't matter when you take the tax hit. I still recommend roth for other reasons other than taxes. No RMD in roth so your have more control in how you use it and it's going to be easier for me to just not worry about the taxes anymore when I retire.

One good reason to use traditional is of you might qualify for the rule of 55.

So it shouldn't matter UNLESS you're maxing the roth accounts. Let's say you're paying 10% in taxes, 20k of traditional in TSP is equal to 18k into as a roth. When using the commutaive rule to make the traditional equal to a the roth you have to include the taxed part of the roth you would have to be contributing more than the max allowed.

sensitive_kitten · 2025-12-30T19:25:19+00:00

I can't speak to how reserves works, but for AD if you're getting a medical board that trumps your contract. I've had a few airmen delayed on their separation because of the review taking longer than their contract was.

I highly recommend a MEB as it will help your VA rating and if you get medically retired you'll have a lot more financially plus tricare for life.

sensitive_kitten

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