How to Double Your TSP (Even If You Are Close To Retirement)

[@MrDarkBM]

Great advice. I just put our annual raise into TSP.

[@PlanYourFederalBenefits]

Great to hear!

[@unclestymie5509]

7 years till retirement. Thanks for all you do!

[@bernardoomar]

7 months to retire :)

[@Hard_Car_Life]

Two for me! 🎊🎉🪅🥳🪅🎉🎊🎊🎉🪅🤩🤩

look into the Rule of 55 if you are not aware.

[@EatLeadPal]

Great tips. I am already doing all 7. I'm 60 and have been maxing out for 5 years. I've had my money in the C & S funds since I started in civil service and it has grown a lot. It's frustrating not being able to put more in. So I opened a brokerage account and also a ROTH IRA. Looking forward to retiring in 1-4 years depending on how things are going. I enjoy your videos. Thanks!

[@PlanYourFederalBenefits]

Great to hear! Have a great day!

[@NOVACUNITC]

Question : when you contributed 5% towards your TSP and the C and S fund , did you have enough money to pay your bills ! My fear is that I won’t have enough money to pay for my Monthly expenses. I don’t have any money to lose .

[@NOVACUNITC]

@@PlanYourFederalBenefits I want to know to how invest in the TSP

[@EatLeadPal]

@@NOVACUNITC Yes, I did. I'm a single Dad with 3 kids who were living at home at the time. When they went out on their own I began to increase it so that I would have enough to retire on.

[@rosavillarreal7146]

Thank you for dropping these gems! I started maxing out my tsp this year. I'm ready to see it grow.

[@PlanYourFederalBenefits]

Great to hear!

[@g2u499]

please talk about those who retired and still have money invested in TSP. what is the best strategy and how to increase the investment. Thank you!!

once you are done with Fed Gov you can't add to your acct but you can still manage it, move stuff around. Mine is extremely aggressive and I retired at 55

[@cdmak1]

I spent the first 11 yrs contributing to traditional tsp. I've got $357K. 14 years to go till retirement eligibility, max contributions going toward Roth TSP all the way. I wish I had known, and would have done Roth TSP from day 1.

[@Jay-gs2ze]

Is all of it in Roth? How is it all invested?

[@tonyagordon155]

Lucky you! Very hard to contribute being a single parent only earner on my household.

[@JDHarrington]

@@Jay-gs2ze I contributed into Traditional TSP for the last 25 years because every financial advisor said, "you'll be in a lower tax bracket when you retire." Well, guess who's in the same tax bracket after retirement! It would have made way more sense to pay those taxes in the year I earned that money, so good on you for investing in Roth from this point forward. Next thing on your radar? Start Roth conversions as soon as you're 59-1/2 (i.e. no penalty). Pay those taxes as soon as you're able. You have 4-1/2 years to convert it all. No one advised me to do that, and now in retirement, I'm doing Roth conversions AND having to pay extra Medicare each year while doing so. Keep in mind, your Medicare premiums after retirement are based on your income levels two years prior, so your income level at 63 will affect your Medicare Premiums at 65...

[@johnsteele8073]

Roth makes zero difference if your marginal tax rate remains the same correct? It's basically a scam for the govt to tax you now instead of later.

[@sloughdog9480]

@@JDHarrington question, if your investing into the TSP, then u must b a gov employee? If you are a gov employee than why would u b part of medicare?

[@beedabee1221]

I’m 37 years old and I’m going to max it out! Thanks for the encouragement

[@Chu6um]

I did pretty well with real estate investments. Value has skyrocketed since getting in during the last bubble pop, but passive income is nice to have regardless of the taxes while getting deductions for depreciation and deductions for upkeep and renovations. Still max out TSP contributions, but for most, those options are highly sound ways to plan for that retirement. Great information as always! Hope your New Year goes better than any in the past.

[@rogerdoger9939]

Upkeep, renovations, screening renters, hardly passive. :)

[@PlanYourFederalBenefits]

Thanks for sharing! Have a great day!

[@ceoptimist]

We have been doing the same...My husband did several deployments (civilian) and we took the overtime and extra "Danger Pay" and bought 3 condos, a townhouse and a small farmette on a river. We also maxed out our TSP every year since he started 22 years ago and now have about $1,100,000. ( was 1,380,000 not too long ago...oh well). It was hard to see those losses, however we are in very good shape and plan to stay in the TSP for many more years even if he retires in a couple of years. I think it will go up soon and I am excited to be buying stocks "on sale". It is part of what an economy does..this will happen once in a while.

[@dstorm7752]

If you wanted to do some good, you could do a video explaining what a mess the new TSP web site is. For example, where will 1099s be posted in the new site so that members can print them out and prepare their tax returns? Why isn't there some secure message capability so a member can pose a question to the TSP? The TSP cannot be reached by phone, so the sole way to contact the TSP is by postal mail.

[@mrbeastman59]

WHY did they even do a mutual fund window? With all the fees and rules, it is an option to stay away from. But from a marketing perspective the TSP can say they offer mutual fund window and stop there, without the details. Did you know if you die and have money in the mutual fund window, ALL OF IT GOES TO CORE FUNDS no matter how much it is down.

[@nataliemoses4426]

With each WIGI and COLA just add to TSP - live on less to save more. Get to max ASAP!!

[@PlanYourFederalBenefits]

Thanks for sharing!

[@daveo1984]

Great video. People are living much longer. Someone born in 1947 might have had a life expectancy of 85, but in 2007, that lifespan is about 103. Don't be afraid of exposure to Equities (C, S, I Funds) near retirement.

[@christinemeers4858]

Also don’t be afraid of those investments in retirement. Maybe not as aggressive but still some amount

[@PlanYourFederalBenefits]

Thanks for sharing! Have a great day!

[@1Mannco]

life expectancy of a 103?...and 100% in equities near retirement?...hmm

[@MichaelJMetz]

I am grateful for the TSP, but...I've been pretty nimble moving money. Trying to catch the dips in the market with TSP is like taking a dump truck through an obstacle course...that moves. Because the orders have to go in by noon & are not executed till close; too much happens during the trading day.

[@PlanYourFederalBenefits]

Thanks for sharing!

[@ho2673]

It os easy, just use c fund always

[@mikeaikens7823]

Than you for all of the great information! Does the maximum contribution to TSP include the 5% match or is that just the maximum I can contribute? Thank you!

[@rodwhitney8650]

The main problem with the TSP is the withdrawal system. withdrawal will come out of all investment funds, not just the G Fund, for example if your C fund is down you don't want to withdrawal from that fund if possible.

[@rogerdoger9939]

After your withdrawal, you can make a shift your money around.

[@studimeglio7110]

@@rogerdoger9939 Even after retirement?

[@rogerdoger9939]

@@studimeglio7110 Yes, you can change what your TSP is invested in after you retire.

[@rodwhitney8650]

@@rogerdoger9939 If the market is down you have bought the loss. You should have a choice which fund the money comes out of or better yet a cash fund for withdrawals.

[@alrocky]

@@rodwhitney8650 Performing an an Interfund Transfer (IFT) after making withdrawal is effectively the same as withdrawing only from the fund(s) you want.

[@tgtongue]

The biggest thing I have done for myself is cranked up contributions during high VIX periods. If you don’t know the volatility tool called the VIX think of it this way. When the market is down buy. If the market gets hit hard like 2019 and Covid. BUY BUY BUY with all you can. I don’t normally max but because of this strategy I am far ahead of my peers.

[@timflinn9756]

When the market goes down it takes more to go up. 100K down 25% is 75K in order for it to go back to 100K it will need to go up by 33%. It will go down more at least until the Fed quits raising rates. Better to be patient right now.

[@stephendibari5010]

Being ok w the basis, like planting a tree. Great analogy !

[@PlanYourFederalBenefits]

Great to hear! Have a great day!

[@LittleCabin]

Probably my favorite of your videos --thanks for the advice! 6 years to go!

[@serapheum]

What about now?

[@bevbry7590]

I am new subscriber. I maxed out my contribution-- contributed 30% for about a year or so. Then the extreme down-market, and I lowered contribution to only 6%, and started putting money in bank account. Mentally, I could not allow my hard earned money to be snatched away. I understand the market goes down, but when one is getting ready to retire next year, well, it is hard to seeing money slipping away knowing time is not on my side to see a rebound.

[@ceoptimist]

Its hard to see but this is the best time to max out...you will be buying low. If you are not retiring soon just max it out and put in the C fund. You will be so happy in 10 years!

[@jenzanoni9305]

This is how I feel

[@1Mannco]

@@ceoptimist It is hard to see especially when she said she's retiring next year. Your suggestion was best to max out 'if not retiring soon'.

[@lonnirenee7645]

Although we don’t know the future, it’s better to plan than not to plan at all. This is from a dear old wise friend of mine.

[@PlanYourFederalBenefits]

Great thought!

[@lonnirenee7645]

@@PlanYourFederalBenefits You have a cash app?. Another great way to donate.

[@Vaseemm]

So in this down market should we move G fund to C or F fund ?

[@coreynelson9727]

Time in the market is greater than timing the market

by the time your transfer took place the market will likely be back up....never try to time the market. That being said, I think I have less than 1% in G fund and I retired 2 years ago at 55

[@jt2quick]

Mr Haws, not much to say except that I enjoyed that presentation. Thank you for the great info that you put out. Keep it up. JT

[@PlanYourFederalBenefits]

My pleasure, Have a great day!

[@SK-qc6fb]

Roth is a luxury. If can afford to put $10,000 in a trad TSP, you can only afford to put $7000 in a Roth. When you have $1,000,000 in a trad TSP, you only have $700,000 in the Roth. To me it's a wash, unless you have the luxury of maxing out the Roth in after tax $$. Pay me now or pay me later is the ques. The trad TSP is based on your tax burden being less in retirement, prob not the case any longer. The Roth benefit imho is the risk that taxes are going up in the future, to pay now and be unburdened later. In retirement you have zero deductions, tax burden will prob be higher. If your post retirement income is roughly the same, say 80% of pre retirement income, your taxes will prob be the same or higher.

[@kingnole7540]

Next stop, 15k subscribers! Keep it up Dallen!

[@PlanYourFederalBenefits]

Almost there :)

[@MichaelNJohnson]

For clarification, isn't it still conventional wisdom to contribute only 5% to the traditional TSP (to take advantage of the match) and the rest should go into a Roth?

[@mattminteer1756]

You can invest your 5% into the Roth TSP.

[@sfjarhead4062]

Wouldn't that depend on if where you are living taxes your withdraw?

[@mattminteer1756]

@@sfjarhead4062 I don't understand your question.

[@MichaelNJohnson]

The point I'm trying to make is I think it's a little more nuanced than broadly recommending "maxing out" your contribution.

[@MichaelNJohnson]

Personally, I contribute 5% to the traditional TSP, 5% to the Roth TSP, and the rest to outside investments.

[@puravida5683]

That's all fine and well. However, we are now living in a manulipated Market!

[@weslloyd1991]

Good video but where is the normal guy? Who’s this dude in a black suit? Hope blue suit guy is ok.

[@paulbuckman4784]

Really enjoy your videos and advice. Does the 72 rule apply to return rates higher than 10 percent?

[@michaelvadney5803]

Hey Dallen. I'm a fed, my wife is a nurse are we earn around $240K a year. I have in the Traditional TSP my whole 30 plus year career. Can I still push a few hundred a paycheck to a Roth TSP? Or do the regular Roth income restrictions forbid that? Thanks!

[@PlanYourFederalBenefits]

The Roth TSP doesn't have income restrictions. Only Roth IRA's do.

[@summitt9311]

Im five years out and I appreciate this channel.

[@PlanYourFederalBenefits]

Thanks for being part of the community!

[@jenzanoni9305]

I made many mistakes and now I have only 6 years till retirement ..I'm finally maxing every pay ..😴

[@PlanYourFederalBenefits]

Great to hear Jen!

[@johngrattan302]

Mr Haws, I enjoy your passion in your expertise, but with 5 to 8 yrs left,my L fund didn’t make much as expected since I know very little in this field of investing. Do I change L investment date up 20 years or have you heard of Deb Crown who has investment breakdowns leaving L funds? Thanks again for all your advice👍

[@moedollars7050]

Is it better to just invest in Roth TSP vise Traditional TSP and pay the taxes on it now if your income is high vise just putting it all into traditional TSP?

[@christinemeers4858]

Not in my opinion. The opposite. If income high you are in higher tax bracket and pay higher taxes in the now. With traditional you defer paying taxes to when your income is lower and tax bracket is less

[@alrocky]

As *christine meers* alludes to, favor contributing to Roth TSP when you are in relatively low tax bracket and favor contributing to traditional TSP when you are in relatively high tax bracket.

[@tomhall3440]

I disagree somewhat. It depends on how much you need that money now (the tax savings of your traditional TSP contribution). You might be in a lower tax bracket in retirement, or you might not. But the biggest thing to remember is that everything is taxed in retirement in a traditional TSP (all you contributed and all of your earnings), while in the Roth TSP nothing is taxed. So if you earn $20,500 on that $20,500 investment this year, the total $41,000 will be taxed when you withdraw it from a Traditional TSP, and none of it will be taxed from a Roth TSP (aside from this year’s tax on the initial $20,500 investment). You will have to be in a much lower tax bracket to make up for being taxed on that extra $20,500. And if you are early in your career, you might double that investment 3 or 4 times by the time you withdraw it (not necessarily retire, but withdraw). So now you are taking about paying taxes on $20,500 this year, instead of on $82,000 or $164,000 when you withdraw.

[@christinemeers4858]

@@tomhall3440 what you described could be one of many scenarios. I think much depends on where you are in your career.

[@tomhall3440]

@@christinemeers4858 absolutely. It all depends on many things: what the tax brackets are now vs in retirement; how much you earn on the investment before you withdraw it; how much you can afford the taxes now vs in retirement; and many many more factors. I am just trying to ensure you see that it’s possible you might be paying taxes on a LOT more money in the traditional vs the Roth, especially if you are earlier in your career. It’s certainly not all about what your tax bracket is now vs in retirement. I am one month from retirement after a 34 year career. Most of my money is in the traditional since the Roth wasn’t around for most of my career. But I have been 100% Roth since I’ve been able so that I have a pot of money that is non-taxable to give me options in retirement. Plus I will (hopefully) be withdrawing for 25+ years (I am 54, special provision, started at 19), so even my Roth contributions will have time to double once or maybe twice.

[@SpookyEng1]

Max TSP, Max Roth, 10k I-bonds every year, 2 years out

[@user-tz5uq2bt1s]

Does agency contribution count towards the annual contribution limit?

[@PlanYourFederalBenefits]

Nope

[@chiefjoe528]

Do you lose the match if you don’t stay in federal service for 5 years?

[@alrocky]

The 1% Automatic match you lose if you leave before 3 years (congressional and certain noncareer only 2 years) employment and 4% GOV match which is yours as there is no vesting timeline.

[@epauloconnor]

After tax growth through Roth is great, but with Traditional... you could always do a conversion later, but you get the tax benefit of it being a pre-tax contribution and your income being low. Lowers your tax basis.

[@doncappo1509]

Down markets are a fire sale

[@germanalvizo3192]

Maxing out my tsp would be me paying 99 percent of my income when I was in the navy

[@chad375]

Mr. Haws, I have two TSP's one with the military and one with my employer (DOD). I have 23 yrs with the National Guard and am cosidering retiring from that. My question is if I were to rollover my miitary TSP to the work TSP, will my employer match that?

[@alrocky]

There is *no* match for rolling one account to the other.

[@chad375]

@@alrocky thank you sir

[@fidelinachireno2716]

Thanks

[@lorifernandes4082]

27k before that matching contribution? Or does that include the matching contribution?

[@rogerdoger9939]

The contribution limits for 2022 is $20,500. But, if you are over the age of 50, you can contribute an additional $6,500. For a total employee contribution of $27k

[@christinemeers4858]

The 27k would be the employee contribution. The agency match is in addition to that amount

[@sivicye6484]

@@DoctorSmartyPants No, you are wrong. I maxed out of $27K with my own money. The matching is extra. The TSP won't let you put more in over $27K.

[@DoctorSmartyPants]

@@sivicye6484 ok

[@tonyagordon155]

Who has got $22K to be maxing out. I know I don't. What I need it more money in my pay check so I can save some more money. I just started taking advantage of the 5% matching after 11 years.🤦

[@shaunamartinez3461]

I started maxing as a GS-9 and single mom and living / working in Chicago. I put ever pay raise, every promotion into my TSP. The 2.7% raise this year...put it in... you'll never miss it. Only takes a couple years.

[@TexasMade903]

I'm a GL7 and I've been maxing out my TSP the past 4 years.

[@jeanie_k]

Good tips! Thank you!

[@PlanYourFederalBenefits]

My pleasure, Have a great day!

[@dougkulik9401]

Does this guy think every Federal employee is making 6 figures???? Try maxing out your TSP at GS 8 or 9 or 11. People at these pay grades are lucky to meet the matching contributions, particularly with inflation. Yeah, its easy to max out if you are living in your parents basement and have no bills. This is obviously geared toward the six figure crowd. Ohband ask those Federal workers close to retirement who lost their shirts trying to double their money before the 2008 crash. This guy is dangerous. Stick with the TSP Lifecycle funds. Get the matching and try to add extra whenever you can. In the meantime consider paying down your mortgage before doubling down on the TSP. At least your house can keep you from living under a bridge.

[@barano9729]

GS8 or 9 or 11 can work overtime. Most do.

[@barano9729]

I know gs 7 LEO that have made 6 figures for years now. It’s called OT.

[@ChrisWilliams5605LS]

Your comments demonstrate that you are a clown financially. The only folks who lost money in 2008 are those who panicked and sold when the market was down. When when I was a GS 5, I contributed enough to get the full match. As my grade went up, so did my contributions. In 2022, I am contributing $27k. My first degree is Finance. What Dallen is saying is financially sound. Building wealth is a long slow process.

[@margaretmarshall3645]

Not everyone can or should follow every piece of advice he gives; everyone’s situation is a little different. (And having retired as a GS-9 myself, I never maxed out my TSP contribution either but I did generally contribute 10% or more to the TSP, for which I am grateful now.) But this guy gives solid education and generally great advice for federal employees and retirees. He is NOT dangerous; his videos provide a wealth of good information! And in fact in this video he points out that one should try to invest extra if possible during “down markets.” Which is what the stock market was during and AFTER the 2008 crash, not before. We are in a down market right now-which is not to say the stock market won’t go down more before it goes up again, but does make his advice worth considering.

[@chrishicks7759]

@@barano9729 what agency?

[@wes11293]

I’m 29 and I have about eight years service in I just this past year started moving my money into the other funds based off the Dave Ramsey stuff I read and I’ve lost a little money my question is with this economy should I move everything back into the G fun or leave it where it’s at and let it sit in not touch it being that I’m young have a while?

[@PlanYourFederalBenefits]

It is impossible to time the market, let it ride!

[@ChristinePascua-ri6jc]

Ps CV

[@Meport1105]

Yay! Amazing video!

[@PlanYourFederalBenefits]

My pleasure, Have a great day!

[@trob9100]

So I'm thinking there's a rule that makes sure traditional TSP taxes are paid if you retire and move to a tax free state?

[@PlanYourFederalBenefits]

You will still owe federal taxes no matter what state you are in.

[@trob9100]

@@PlanYourFederalBenefits Thanks!

[@ray.d.oeaux1230]

Summary of Tips: 1. Max out your TSP contributions (including catch-up contributions) 2. Investments (i.e., growth); "Rule of 72" (Example: at 9% return it takes 8 years to double) 3. Down markets (discount on investments) 4. Power of Roth TSP (reality of value) versus Traditional TSP 5. Consider other investment options 6. Growth in retirement to offset inflation 7. Consistency (boring is your friend)

[@pappabear8291]

I like your videos. Still have 12 years to retire but learning a little at a time. Thanks

[@PlanYourFederalBenefits]

Great to hear!

[@luisalmanzor1702]

You can withdraw all your money when you turn 59 1/2 .. No matter what happen to the Market you have your money Already :) Plus you still have Money in.. becoz you are still working..you continue deducting money from your Pay Check .. Bottom line is you have all your MONEY!! got it?

[@joederue2392]

3 years to go.

[@ntrogers32]

I understand contributing the max to the traditional but it seems contrary and like double taxation since the money is already taxed and then taxed again when ready to withdraw at retirement. Am I missing something?

[@christinemeers4858]

You are missing something. Contributions to a traditional TSP in with pre tax dollars. This reduces your income and therefore reduces your taxes for the year. You pay the taxes when you start withdrawing from the account. Also known as deferring taxes. With Roth you pay taxes now on the contributions but never on the earnings over time

[@ntrogers32]

@@christinemeers4858 thanks for clarifying.

[@alrocky]

@@ntrogers32 For clarification, while you are contributing to traditional TSP with pre-tax dollars and are not being double taxed, the reduction in taxes does not mean that the money saved in taxes can be spent or invested elsewhere.

[@bobkatc9368]

Unfortunately, in retirement you aren't buying into the lows. Only while your working.

[@christinemeers4858]

You must buy into the lows with some portion of your balance even in retirement

[@brenth1427]

@@christinemeers4858 not if its already full into C,S,I.

[@PlanYourFederalBenefits]

Thanks for sharing!

[@arleenm7367]

Regarding the Roth TSP, if you put money into it while working, the taxes are not deferred and you will be paying more taxes during your working years. Also add-in paying state taxes. That money you pay in taxes is not going to compound and grow like it is in the regular TSP. I guess it depends on each person's situation. But it seems to me that if your retirement income will be less that your working income, it makes more sense to put your money into the regular TSP. Especially if you plan on moving to a state that doesn't tax retirement income.

[@MrDarkBM]

Another point of view is you can afford the taxes now rather than later when you are on a fixed income during retirement.

[@arleenm7367]

@@MrDarkBM true that each person's situation is different. Everyone should do the math and see how it ends up. Another thing is that seniors older than 65 get an additional tax deduction of $1750 (after the basic $12950 standard deduction). Social Security is only partially taxed. So if someone's pension is on the lower side they may hardly be taxed at all even including the TSP.

[@rogerdoger9939]

@@arleenm7367 Also, some States give tax breaks to income from retirement account. Or you might move from a taxes State to a non taxed State. It truly isn't a "one size fits all" situation.

[@tomhall3440]

Why will it not compound and grow like a regular TSP? If you save $5000 this year in taxes by putting your investment into a traditional instead of Roth TSP, the only way you will make more money on that investment is if you invest that $5000 savings in another account. Then that will create earnings also. If you just take that tax break and spend it, your Roth will earn you just as much as your traditional (and you will also not pay taxes on any of the earnings in the Roth)

[@rogerdoger9939]

@@tomhall3440 I think the rational is that if you put $5000 in a Roth account, you paid taxes on the $5000. Thus it really cost you $5000 +. Where a traditional account it only cost you the $5000. So you have to earn enough to cover the additional amount. IMO, it doesn't matter "that" much. As long as you are contributing to a retirement account you will be in good shape. Roth or traditional, flip a coin.

[@jenzanoni9305]

What funds do you recommend ?

[@PlanYourFederalBenefits]

This video should help: kzbin.info/www/bejne/horVonxto9Vgpac&ab_channel=HawsFederalAdvisors

[@marcusvaldes]

I'm the moron with all the money in the G fund for the last 33 years. I still have managed to save $648k. But I sleep at night.

[@JosePerez-ty9bu]

Where should we move our TSP because the guy at the White House now has resulted in substantial losses in our TSP.

[@adamjam9541]

I wonder if t is a good strategy is to reduce the amount of taxes out and put that difference into the TSP

[@teeduck]

Market is down 25% 2022.

[@alrocky]

C Fund dropped *18.1%* in 2022

[@JS443]

How can I convert my TSP to crypto or Bitcoin the federal reserve note is dying

[@rogerdoger9939]

Can't be done.

[@alrocky]

@ *JS* Leave gov service and roll your money out of TSP.

[@TeamYoursTruly]

I don’t understand how to put more money into TSP. It seems like I’m only allowed to put 5% in every paycheck and that’s it. I’ve been searching for months and none of my co workers know. I have more money to put in all the time. It just doesn’t seem possible.

[@tammywright7746]

Grb website

[@tammywright7746]

Or army benefits civilian center

[@TeamYoursTruly]

@@tammywright7746 ooo thanks! I’ll check it out today.

[@wdeemarwdeemar8739]

I am marine now VA employee just go to My Pay log in then on the left side down the left hand side towards the bottom.

[@jessicag4940]

Yes you do it in your paycheck stub page... mine is the usda nfc center page... but you can adjust you TSP contribution and whether you want traditional or Roth too.

[@ColKurtzknew]

You cant put $20k a year into Roth

[@alrocky]

You can contribute $*$20,500* year into your Roth TSP account.

[@ColKurtzknew]

@@alrocky since when ??

[@alrocky]

@@ColKurtzknew Since Jan 1 2022. Information is viewable on TSP site > Contribution Limits > it's highlighted in blue.