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Reply to "Maxing out TSP"
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[quote=Anonymous]I would just say that if you aren't in a position to max out your TSP, then it probably is not worth doing a Roth. A Roth lets you put more money away for retirement, and gives you some flexibility in retirement, but the chances that you will actually have higher income in retirement than you do now seems pretty small (and I believe that even if taxes go up overall, less income still will mean lower brackets). So for people maxing out their TSP, a Roth is great. I fully agree with the PP who said if you have room to save more than 5% it wouldn't be a bad thing but you should be ok at that level. However if that's where you -- between 5 and 10% of salary int o TSP-- don't bother with a Roth, just put more into pretax savings.[/quote]
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