TSP, Coffee & the Roth You Didn’t Know You Didn’t Know

“There are things you know. Things you know you don’t know. And things you don’t know you don’t know.”

In this rich, relatable, and sometimes hilarious episode of Rayna Retirement, federal retirement specialist Rayna Reyes breaks down everything you didn’t know you didn’t know about the Thrift Savings Plan (TSP)—especially the difference between Traditional and Roth contributions.

With a metaphor involving coffee, creamer, water, and oil (yes, really), Rayna explains:

☕ What You’ll Learn:

• The biggest misconceptions federal employees have about TSP matches
• Why Uncle Sam’s “dad tax” could reduce your retirement income if you don’t plan ahead
• The power of the Roth TSP—and how it’s like making your brownies with oil instead of water
• Who should be thinking about starting a Roth (Hint: it’s not just “young whippersnappers”)
• What to expect when in-plan Roth conversions become available in 2026
• The difference between Roth contributions and Roth conversions—and why it matters 

Whether you’re 35, 55, or 75, Rayna offers clear insights and real-life reasons for when a Roth makes sense—and when it might not. Plus, she gives you the exact questions to ask yourself (and your financial advisor) before making any big decisions about your TSP.

Ready to talk about your TSP strategy?

Text Rayna directly at 850-450-6500 for a quick response and customized answers.

Because federal retirement isn’t just about knowing the rules—it’s about knowing your rules.

 

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Contact: Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or visit AmericanFederal.org.

YouTube: https://www.youtube.com/@RaynaRetirement

Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.

Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.