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Reply to "Max out TSP contributions or pay off loan early?"
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[quote=Anonymous]OP, do you have a healthy emergency fund with at 3-6 months+ living expenses? And then after that a fund for home/vehicle/life happens cash? I’d probably prioritize those, and then work on the TSP loan or upping tsp contribution. But assuming that have that, strictly by the numbers if your household’s income is secure, I’d up pre tax contributions. You’re foregoing the benefit of a 3% return on your tSP (assumed 6-7% stock market returns- 4% interest paid to yourself ) vs the percentage of your marginal tax bracket + the 6-7% expected stock market returns (short term of course no guarantee) But of course, only you know how much value to place on alleviating the mental burden of having a loan.[/quote]
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