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Many federal employees are unaware that a major TSP tax change is arriving in 2026. And for some higher earners, it may significantly change retirement contribution strategy. The change comes from: SECURE 2.0 And it affects: Federal employees Military members Veterans with federal careers Higher-income TSP participants https://fersfree.com What Is Changing in 2026? Beginning in […]
Read article →Many federal employees ask: “How much should I have in my TSP by my age?” The answer depends on far more than a simple account balance. Retirement readiness also depends on: FERS pension Retirement age Expenses Contribution rates Social Security Healthcare costs Still, benchmarks can help measure progress. https://fersfree.com Why TSP Benchmarks Matter TSP balance […]
Read article →Many federal employees dream about becoming: A TSP Millionaire The number sounds powerful. And in many ways, it is. But focusing only on reaching $1 million can create a distorted view of retirement readiness. https://fersfree.com Why the TSP Millionaire Goal Became Popular The idea is simple: Save aggressively Invest consistently Reach seven figures For many […]
Read article →One of the biggest TSP questions federal employees face is: Traditional or Roth? The answer affects: Taxes today Taxes in retirement Withdrawal flexibility Long-term retirement strategy There is no universal answer for everyone. https://fersfree.com Traditional TSP Explained Traditional TSP contributions are: Made pre-tax Reduce taxable income today Taxed later during withdrawals This lowers taxes during […]
Read article →Many federal employees spend decades building their TSP balance. But retirement success depends just as much on: How you withdraw the money Poor withdrawal strategies can damage retirement sustainability even with strong account balances. https://fersfree.com Mistake #1: Withdrawing Too Much Too Early One of the most common mistakes is taking aggressive withdrawals early in retirement. […]
Read article →Many federal employees use retirement calculators and immediately assume the projected TSP balance is accurate. But many projections rely on assumptions that may be unrealistic. Small changes in assumptions can dramatically change long-term outcomes. https://fersfree.com Why TSP Projections Fail Most projections rely on assumptions involving: Market returns Inflation Contribution rates Retirement age Withdrawal strategy If […]
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