GET CONNECTED

Home buying

guy with :work 1 more year?"

Does it Really Make Financial Sense to Work Another Year?

Does it make financial sense for a federal employee to work another year? Brad runs the household numbers: pension, TSP, market risk and debt.

TSP Withdrawal to Pay Off Debt

Should you pull money from your TSP to pay off your mortgage? A real client example of how taxes and withholding change the math.
Buying a House as a FERS Retiree

Buying a House as a FERS Retiree: Should You Use Your TSP?

Should a FERS retiree pull money from TSP to buy a house? Usually not all of it. A current example of filling the 12% bracket to fund a down payment.
Considerations When Purchasing a Home

Considerations When Purchasing a Home as a Young Physician

Five questions young physicians should answer before buying a first home: budget, down payment, how long you'll stay, lenders, and renting.
Reduce Your Retirement Tax Bill by Strategic Giving

Reduce Your Retirement Tax Bill by Strategic Giving

Three ways federal retirees can give to charity more tax-efficiently: the new non-itemizer deduction, appreciated stock and QCDs from an IRA.
Federal Retirement Mistakes

Federal Retirement Mistakes: 6 to Avoid

Six common mistakes federal retirees make, from doing nothing with idle TSP money to raiding retirement savings and not spending enough.
Should a Federal Employee Pay Off Their House?

Should a Federal Employee Pay Off Their House?

Should you pay off your mortgage before retirement? The psychology, current tax math, and why a big TSP withdrawal is rarely the way to do it.
Save Tax $$ By Bunching Deductions

Save Tax $$ By Bunching Deductions

Does bunching deductions still save tax? How the $40,400 SALT cap, the 0.5% charitable floor and the new non-itemizer deduction change the math.
Four Reasons Not to Take a TSP Loan

Four Reasons Not to Take a TSP Loan

TSP loans sound like a good deal, but lost growth, double taxation of interest and separation risk make them costly. Four reasons to think twice.
Three Common Mistakes Young Doctors Make

Three Common Mistakes Young Doctors Make

Three money mistakes new attending physicians make after residency: skipping the budget, buying too much house and waiting to save for retirement.