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Reply to "If you have a pension, do you max out retirement savings too?"
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[quote=Anonymous]My husband and I are feds. I expect to work as a fed long enough to get some kind of pension (i.e. 5+ years), but not sure I want to spend my entire career here. Right now we save 10% of pre-tax income (more than needed to get the 5% match) in TSP, 4% post tax into Roth TSP and max out our Roth IRAs at Vanguard each year (about 11% of our after-tax salaries). This is not enough to max out our annual contributions. We just can't afford that and I'm not sure I want to save more. I think I will increase charitable giving before I increase our retirement savings. We plan for retirement assuming that we won't have any kind of pension or Social Security. But we are not planning for a lavish retirement. If we do get pension or Social Security, then bonus. [/quote]
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