There are several points to consider here. I won't try to cover them all.....let's leave some for the others:
Point 1 to consider: Will contributing the max keep you out of a higher tax bracket? It does for me, and I like that!
Point 2 to consider: if you have to borrow money from your tsp, I think it is better to borrow it in a down market, and pay it back while it is still a down market, that way, conceivably, you aren't losing as much potential earnings. Just something to think about - and it does seem most are assuming the market will be down within a year or so.
Point 3 to consider: What is the name of your agency and are they hiring any 54 year old women???????
LOL
GGAL
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