47, 1.05M in C + S, 20 year fed. The best advice I ever received was to take the $$ out of G and lifecycle funds.

Anonymous wrote:$80K at 35, started in fed 3 years ago. I have about $140K in an IRA from a prior job. Am I really behind?

depends on who you ask. but half of americans age 35-44 in 2022 had less than $45,000 saved. The *mean* account range for that age range is $141,000. So you are well above average for that age range. Yeah, DCUM will tell you you are behind, but as long as you are contributing at least 5% to your TSP (ideally, the max, but if at all possible you want to get the full match) you're doing pretty good. Just keep plugging away at it.

39, $200k

Anonymous wrote:400k 80%C, 10% I, 10% S. I do the Roth option as well.

When you say you do it "as well," do you mean you do it in addition to the traditional TSP? Can we do that? Or do you just mean that you do Roth TSP instead of traditional TSP?

$80K at 35, started in fed 3 years ago. I have about $140K in an IRA from a prior job. Am I really behind?

51 just hit 946k wohoo! 16 years at max

38, 334K. 50% C fund, 25% S fund, 25% I fund.

Started contributing at 28, usually between 5-10%. Started maxing out at 34 during the pandemic when student loan payments were paused and we weren't paying for daycare and our spending was generally down. Luckily our salaries have increased so we've been able to continue maxing out post pandemic.

36 yrs old, 470k in TSP. Started at government at 21 and pretty much maxed out every year

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:52 and it’s $70K but only been with the govt for 2 years. I just switched from lifecycle to C. Should be over $100K by end of 2024.

Roll your old accounts into TSP. it's a much better deal.

Can you explain in what way it’s a better deal? I have $170K in a 503B that I could roll in.

TSP expense ratios are rock bottom.

Thanks. Can I roll inherited IRAs into this (it was inherited years ago and not subject to 10 year distribution rules, but is subject to RMD)?

No. Inherited IRAs must be kept separate from all other IRAs. (Assuming you are not a spouse inheritor for which the rules may be slightly different.)

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:52 and it’s $70K but only been with the govt for 2 years. I just switched from lifecycle to C. Should be over $100K by end of 2024.

Roll your old accounts into TSP. it's a much better deal.

Can you explain in what way it’s a better deal? I have $170K in a 503B that I could roll in.

TSP expense ratios are rock bottom.

Thanks. Can I roll inherited IRAs into this (it was inherited years ago and not subject to 10 year distribution rules, but is subject to RMD)?

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:52 and it’s $70K but only been with the govt for 2 years. I just switched from lifecycle to C. Should be over $100K by end of 2024.

Roll your old accounts into TSP. it's a much better deal.

Can you explain in what way it’s a better deal? I have $170K in a 503B that I could roll in.

TSP expense ratios are rock bottom.

400k 80%C, 10% I, 10% S. I do the Roth option as well.

Anonymous wrote:

Anonymous wrote:52 and it’s $70K but only been with the govt for 2 years. I just switched from lifecycle to C. Should be over $100K by end of 2024.

Roll your old accounts into TSP. it's a much better deal.

Can you explain in what way it’s a better deal? I have $170K in a 503B that I could roll in.

Anonymous wrote:

Anonymous wrote:52 and it’s $70K but only been with the govt for 2 years. I just switched from lifecycle to C. Should be over $100K by end of 2024.

Sorry, dumb question, but does this mean you’re putting in extra contributions beyond the untaxed contribution amount ($31,000 or whatever it currently is for people above 50)?

No it’s the max including catchup, plus the match and gains.

Anonymous wrote:

Anonymous wrote:400k LC2024- 38 years old.

I wish I had it in a different fund, but I don't really understand them all.

My advice: Just put it in 100% C and treat your pension as your conservative stocks. Lifecycle stocks are more conservative—but if you’re going to use one, pick one that’s way off in the future.

I meant conservative *fund* not stocks