Roths are great, but only if you get to deduct pre-tax when you’re in your PEAK earning years, and THEN pay tax later once you’re retired.
You don’t get that choice in 2026 anymore. Those earning more than $145K will see a change to their TSP contributions that requires catch-up contributions to be forced into the Roth.
The problem? The tax deduction you used to get (and need since your income is still higher) now goes away.
📲 FREE Newsletter: https://thefedcorner.com/federal-retirement-planning/
Other videos we think you might like:
WHEN TO AVOID THE ROTH: https://youtu.be/APJQM3qAQsU
WHAT QUESTIONS TO ASK ADVISOR: https://youtu.be/go0OhcCjRNQ
HOW TO INVEST WHEN YOU HAVE FERS PENSION: https://youtu.be/CBDjRYs4nfY
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The Fed Corner is a purpose built channel of information and financial planning strategies specifically designed for federal employees. We’re fiduciary financial planners by trade, and we talk about money, building wealth, navigating your federal benefits, financial planning, the economy, the markets, and more.
We work with late career/retired feds who have saved enough to retire, and are trying to figure out how all the pieces of their retirement plan come together most efficiently. They have specific questions like:
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