Re: ROTH TSP
Yep, 5-year rule thing. My accidental contributions to Roth tsp catchup this year (before I caught and stopped the roth-tsp catchup contributions), meant that under the existing regulations, I would have to draw proportionately from roth and tsp same time if I did any withdrawals at all! Which means I would have had to wait 5 years from this year to make any tsp withdrawals at all, or else pay penalty on the Roth for early withdrawal of the proportional Roth, even though I didn't want to withdraw any Roth.
Under the new rules, we will be able to withdraw from either regular tsp or Roth-tsp separately, not forced to withdraw from both same time. Which means I can begin withdrawing from the tas-deferred tsp account within the next 5 years without roth-tsp negative consequences. hallelujah! they finally got smart about one of the many reasons people have been moving out of tsp into private accounts post-retirement.
"life can only be understood backwards, but it must be lived forwards" - soren kierkegaard
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