Smart investing includes knowing when not to max out your TSP

For federal employees, contributing the maximum to the Thrift Savings Plan is often seen as a financial win. But in some cases, it may not be the best use of available funds. Balancing long-term investments with emergency savings, insurance coverage, and debt reduction can offer greater financial security—especially for those nearing retirement. Here with more details on those considerations is certified financial planner Art Stein. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .