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Reply to "Should I take out a HELOC or a TSP loan to finance my $40,000 bathroom renovation?"
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[quote=Anonymous]It's not a 4.5% return. The cost of the TSP loan is the forgone growth. That should be compared to the HELOC interest. The 4.5% is just money being moved from your income to the TSP, for no net gain. https://www.kitces.com/blog/401k-loan-interest-to-yourself-opportunity-cost-tax-rules/ [/quote]
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