The wife and I retired in March of 11 as DAF Civs and I just started getting my AR retirement as well...so, we haven't touched our TSP to date tho. Had a couple questions I've asked SL and others on this post that were graciously answered and of course raised more questions lol. It all depends on where you want to go. We have our bucket list which we've already started on. It's a fine position to be in for sure as everyone can attest to. All the best!