When You Should Use Traditional AND Roth TSP

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[@robertryan3490]

Just do Roth and don't look back.

[@wasatchwizard4770]

Put 5% into Roth, get the 5% match into traditional and you're automatically in both. For anything above that use an IRA

[@user-lg8oe5mf9h]

If you are married its good to take out from the traditional tsp. you will be taxed as married. once your spouse dies u or if u die first and your spouse inherit your tsp you or your wife will be taxed as single. higher taxes

[@charlesgoodine8960]

Eventually the Government will want taxes on those Roth withdrawals, it just can't let the little guy get ahead.

[@pinaylen27]

I am 53 years old and 18 years in civil service. Can I put 5% of of $30,500 into Traditional TSP and 95% into Roth TSP?

[@DesignBuildFixReview]

Also with ROTH no RMD requirements. I think everone reguardless of tax bracket should do a ROTH, and let the matching be Traditonal. People are too greedy and don't want to pay up front. There is a reason a lot of people convert their holdings to ROTH later on. Another thing ROTH forces you to put more into retirement. 15% ROTH when investing is more then 15% traditional. People barely invest 5% some don't even do the matching, they don't invest 6 or 7% because it helps on taxes. I think 22% tax bracket or lower no brainer do ROTH but it could to higher brackets as well. Just wait till those others pay taxes in the future. The PART B is also important.

[@iangavin631]

Any idea when TSP is going to allow agency matches in be in Roth account?

[@ivysapphire6944]

If its God will, I will not touch my Roth until i need it down the road like my 80s. But hey anything can happen between now and then. 48f.

[@terrymorse1740]

Correct me if I am wrong. If you retire before 59 1/2, you cant touch the Roth in the tsp? example: USPS employee will need to bridge from 57 to 59 1/2 with the traditional or a brokerage account.

[@pianotalent]

Hi, you said that Medicare Part B changes depending on my income... HOW OFTEN DOES IT CHANGE ? YEARLY? MONTHLY? ......AFTER I SUBMIT MY TAXES ON A YEARLY BASIS?????? THANK YOU!

[@Chilopoda81]

Thank you, Dallen.

[@zenawarrior7442]

Excellent as usual. Thanks!😊