What you’ll learn
The Thrift Savings Plan is the part of your retirement you control most. This track gathers the TSP topics that sit across the career tracks and adds the deep cuts: TSP loans, the two ways to take money out while still working, the mutual fund window, and rolling to an IRA at retirement. Foundational TSP lessons live in the Early and Mid Career tracks and are linked from here.
Lessons
5 lessons · 5 available- 01TSP loans: how they work and what they costHow borrowing from your TSP works, the repayment rules, and the real cost in lost growth.
- 02TSP in-service withdrawals, and what they costThe two in-service withdrawal types, what each one costs, and why a loan is not the same thing.
- 03TSP hardship withdrawals: what they cost youThe five situations that qualify, the tax and penalty a withdrawal carries, and why the six-month contribution freeze no longer applies.
- 04The TSP mutual fund windowWhat the mutual fund window adds, the fees it carries, and when it makes sense to use.
- 05TSP to IRA rollover: what you gain and loseThe trade-offs between keeping money in the low-cost TSP and rolling it to an IRA.
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