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@abigheart I said Roth because you’ll be in a lower income tax bracket for a long time. It makes sense to use post tax money for Roth contributions because the tax brackets could increase by retirement age. At some point, based off income, it makes sense to go traditional route but I don’t...

@abigheart Ok. So I’m unsure what find you’re in but that’s really high. Vanguard offers a good selection of funds that are way cheaper. VOO tracks the S&P 500 & has an ER of 0.03. There are much better brokerages that offer less expensive funds. It’s worth looking into.

@abigheart What’s the expense ratio of the fund(s) you’re in.

@casspol I’m aware. Fund selection... for lower fees which is all this has been talking about.

@casspol Yes but one of the advantages is selection of funds. You can’t say TSP over IRA without understanding & acknowledging the reason most people recommend TSP/401k to match, IRA, then max TSP/401k. I see that you stated equivalent funds but narrowing comparison to those takes away a key...

@casspol It tracks the S & P 500. Just like the C Fund. You can buy both in an IRA. You legitimately said TSP over IRA for ER purposes. I’m showing you one of many examples where your statement is false.

@casspol Well, like you said, your statement is no longer accurate. VOO would like a word.... So my statement still stands.

@abigheart What’s the ER of the funds in your IRA. You can & should do both. TSP to match, max Roth IRA, then work on maxing TSP. I’d probably look into establishing an emergency fund in a HYSA then go to step 2.