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@yandere Wow, great. Just go waste someone else’s time, you’re trying to argue with me but you’re also proving my point.

@yandere Wow man, great point! I should never expect a pay increase in pace with inflation

@patto That 4.6% pay bump is rough, especially with recruitment goals not being met across the board

@patto The L2065 fund follows your allocations pretty close and is what I use for the sake of simplicity

@cyncincyn But what exactly are you attacking people about? Because the alternative you’re proposing to a C/S portfolio doesn’t exist within the TSP. And likely, most of the people here advocating for a C/S combination are not using any investment vehicle besides the TSP. I don’t see someone...

@dion1975 The problem here is that you're blending your own opinion in with partially factual statements and trying to present it as a complete fact. This itself is a pretty bold claim with zero citations to back it up. The criticism is deserved and you should be more open to it.

@cbc8171 Fair point but rebalancing isn't very feasible between a Roth IRA and a TSP. I would agree that the I fund is better than nothing, but the comparison here seems pretty off. To my knowledge the EAFE does not hold favorably to the S&P 500 for the last 30 years, as he mentions, and the...

@cyncincyn Does the I Fund/EAFE really encompass these emerging markets that have beat the S&P? It’s a bit misleading to cite ACWI and markets that we can’t even invest in

@albein You’re ignoring the main point of my response and using pretty nebulous conjecture behind your “inflation won’t be that bad” reasoning. OP doesn’t need more in his savings account than he already has, and your reasoning behind investment vehicles being inaccessible is wrong

@albein I don't disagree with this, but I would say putting this at #1 isn't necessary if he has a working car at the moment This is terrible advice. The amount of money being printed right now means that the inflation will be pretty significant once consumers start to recirculate their...