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[quote=Anonymous]I am also a single parent and a fed, and I have to say I try for 6 months in savings, because we don't have short-term disability. It really isn't that unusual for people to need it, and it is a big deal not to have it (unless you have a very large pool of sick leave, which many feds consider their STD policy.) You can also keep a smaller amount in actual cash/savings, and move part of that into a slightly higher-yield money market or something, so its doing a little better than just sitting there. I also contribute the max I can to TSP, because I like the idea of having a well-funded retirement. I also don't assume I will stay with the feds my entire career, so I know my pension piece might not grow fully. [/quote]
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