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@clanks The accounts will grow at the same rate regardless of how much money is in it. Having $100k in traditional will grow at the same rate as having $50k in traditional and $50k in Roth. You’re past decisions really shouldn’t have any impact on what to do now. If you look at your income/tax...

@clanks Ah, I see. You can’t do that. Your funds you put in as traditional will always be traditional while inside the TSP. If you change your contributions to Roth your new funds will be Roth, but you can’t adjust your past contributions. That’s why I said to only look forward, can’t change...

@clanks Past is in the past. Do what you think is best moving forward. You won’t have any additional consequences other than paying taxes on your contributions now.

@revelation2012 I usually recommend people at least consider Traditional once they’re into the 22% bracket. However, if you’re just a little bit into that window then you’d need to start doing some traditional and then back to Roth when you’re in the 12% range again, so it gets a lot more...

@resjudicata I’m going to use my Roth IRA to find the first few years of early retirement while converting my traditional TSP via a Roth ladder.

@holywalk That’s a really good point. I would want my IRA over my TSP, but that’s for some more specifics retirement and flexibility options not available through the TSP as easily. I think you’re right that for someone looking for this level of advice should absolutely go do for TSP and the...

@tilus A Roth conversion ladder is what I'll be doing. Trad TSP - Trad IRA - Roth IRA. Here's a good video to explain it.

@cbc8171 No arguments from my end. I'm not sure why I didn't use a target fund as my guide when I set up my accounts with only 25% international years ago. Or maybe I did but the L funds weren't as diverse at the time. I might have seen 25% I fund and any extra G/F I put into "total market"...

@shineannette Agree with both points. I manage my own funds since I don't want it to automatically adjust for me based on retirement plans, but especially since the new L funds have been out I think that's a great decision for the majority of people. The post did get me to re-consider my...