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[quote=Anonymous]OP here: My plan is so stay with a federal career my entire career. I enjoy public service and it has been a fulfilling career for me for the most part. My father has also made it his career, and set a great example for me in that aspect. So I do plan to have the pension piece, and will retire between ages 57-60 (30-33 years of service). So that does factor into my retirement planning to an extent. The health insurance component of it is also an attractive benefit...

In my entire time with the federal govt., (10 years) I  have not seen one person laid off. Demoted, yes. Fired, no.  My father has seen a handful of people fired, but again, not let go. So I feel fairly confident, short of mass RIFs, that my job is fairly stable, so I am not so worried about having cash in case I am laid off. Is it possible I could be fired? Sure. But I would have to massively screw up somehow for that to happen.

The STD does component does concern me. I do have some leave banked, but know I could add more as it accumulates. I've never been majorly sick, nor has DC (knock on wood). But maybe that makes a strong case to grow my emergency savings to 6 month in case of some medical emergency, then start adding more to my TSP. I know that the monthly contribution I put into emergency savings now would pretty much equal the monthly portion I would need to add to my TSP contributions to reach the yearly max.

But I do like the idea of adding a vangard fund to supplement my emergency savings, since it is fairly liquid. I just hate that my savings sitting somewhere and actually losing value since it's not keeping with inflation. I get the point of needing emergency savings, I just want to make the money work for me if I can.

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