I would say, you are definitely not saving enough after 7 years (You yourself say that strenght comes from saving, but you are only saving 5%). You should be putting away at "least" 13% if not 15% or more to get as close to the 15k max per yr as you can "afford" (ie: what you can do without)
However I know people who after almost 10 yrs are still not even contributing to the tsp period, so congrats on at least that. So final say for me is, up your contribution to 13% and put it in the S fund and leave it (DO NOT TOUCH IT!!!!!)
-Fishegg-
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