TSPCoach

Simple, monthly Thrift Savings Plan allocation strategy newsletter. If you are in the TSP, make it count!

[TSPCoach @TSPCoach]

June allocations for TSP Coach are now out on our website https://t.co/fXmBkucP6O. 16.44% YTD and 14.17% annualized for over 20 years.
Make your TSP count!
I see lots of millionaires posting their balances on Reddit. You can be one too! Keep investing!

[TSPCoach @TSPCoach]

@RamonTinio @PatrickSchuess1 @GermanShepher10 @TexSandlin @RSE_VB @TomcatJunkie @GodwinMeter @Silas1042208 Kapton wiring. It won't pop a second time, it will just catch fire. IYKYK.

[TSPCoach @TSPCoach]

@thomasbsauer @Large_Prime_Num They are a poly blend and always fit horribly. Bring back cotton.

[TSPCoach @TSPCoach]

@robristesund Thanks for your response and subscription. It should be an interesting next few months. I am one of those 5%. We have beaten the market so far this year, and we will continue to watch the markets and broader economy closely for our June allocations.

[TSPCoach @TSPCoach]

Big allocation changes for May! Allocations for TSP Coach are out!
Check out our newsletter and follow the most successful TSP service with over 21 years of strong performance! Keep investing!

[TSPCoach @TSPCoach]

@lnvisibleMayhem Server is up. When were you logging in?

[TSPCoach @TSPCoach]

Would this work?

[Stephen Fleming @StephenFleming]

Victor Glover explains why physical controls are better than touchscreens:

“If I’m doing something where I’m so busy that I cannot stop and look down at my hands to fly, this is the biggest difference. I have to touch the screen, which means I have to look, because if I touch right next to that arrow, it doesn’t work. In Orion, I have a feel. I don’t have to look. I can focus on precision because I can look out the window the whole time.”

[John Ʌ Konrad V @johnkonrad]

Forty days of panic by everyone in the shipping industry and the vast majority of media and academic military “experts”, and for what?

The experts said the Navy was scared to enter Hormuz. They called prudence weakness and restraint failure. They reiterated and published freak outs from social media. They were wrong.

Two U.S. destroyers just made four transits through the Strait. So much for the hysteria and all the hand-wringing about American decline.

And the stories I’m hearing from the 🇺🇸 sailors at sea is one filled with real heroism.

Yes, the US Navy has real problems.

Yes, our Merchant Marine does too.

Yes, Congress can’t even pass the SHIPs act.

Yes, mistakes were made.

Yes the process of clearing the mines will take time.

Yes we are still a long way from normality.

But our overwhelming advantage over every other Navy on Earth is the BIG story. Here.

No other Navy could have accomplished this with so few casualties. None.

To the over the top media and hyperbolic Europeans and all the doomers: shame on you.

And to Beijing: recalculate.

Bravo Zulu to Admiral Cooper and the joint force and every American serviceman in the Middle East.

We have a long way to go but this ship is making way in the right direction.

[TSPCoach @TSPCoach]

Sorry Folks, The Strait of Hormuz is Closed.
April allocations for TSP Coach are now out.
Actively managing your retirement accounts is important in peace and critical in times of conflict.
As always keep investing!
https://t.co/fXmBkudmWm

[MOMof DataRepublican @data_republican]

Wow. This was sent to all the midshipmen at the Naval Academy. Pray for our future military officers as they prepare!

"Brigade of Midshipmen,
As you have seen in the news, our Joint Force has begun military operations against Iran. For decades, Iran has waged a proxy war against American forces and our partners across the Middle East. The events now unfolding are historic. They are consequential. And they demand serious reflection from all of us.
For some of your company mates who have only recently graduated, this is no longer theoretical. It is not a case study. It is not a classroom discussion. It is real. They are likely participating in these operations today, standing watch, flying sorties, leading Sailors and Marines, executing missions on behalf of our great country. They are carrying the weight of decisions that matter.
Soon enough, that responsibility will be yours.
This moment should sharpen your perspective. The fate of nations, the stability of regions, and the lives of your fellow Americans are not abstract ideas. They rest in the hands of officers who are competent, disciplined, and morally grounded. The fate of the Iranian people, like so many populations caught under regimes that choose hostility over peace, will ultimately be shaped in part by how professionally and decisively American forces conduct themselves.
You've heard me talk about warfighting and our focus on it. What you are seeing in the news is an example of why we must be ready. Warfighting is not a slogan. It is the core purpose of our Navy and Marine Corps. It requires intellectual rigor in the classroom, physical toughness on the field, and professional seriousness in every training evolution.
It requires leaders who understand history, technology, human behavior, and the moral weight of command. It requires officers who can think clearly under pressure and act decisively in uncertainty. This is not a time for distraction. It is not a time for complacency.
It is a time... to double down.
Double down academically, master your disciplines. Whether you study engineering, cyber, political science, or literature, your ability to think critically will shape your effectiveness in combat.
Double down athletically, physical resilience underpins combat effectiveness. The demands placed on junior officers in operational units are unrelenting. Double down professionally, treat every formation, every brief, every watch, and every leadership opportunity as preparation for the day when the stakes are real.
Our mission remains clear: to develop midshipmen morally, mentally, and physically and to imbue you with the highest ideals of duty, honor, and loyalty. Those ideals are not ornamental. They are operational necessities.
History does not ask whether we feel ready. It simply arrives. We are not simply another college, our responsibility is far greater. We will continue to prepare you accordingly.
With Respect,
Your Supe
LtGen Michael J. Borgschulte, USMC
66th Superintendent"

[TSPCoach @TSPCoach]

Allocations for March are out! Obviously Iran is the theme! Keep investing!
We have also expanded our subscription payment options by adding Square! Many of you didn't like PayPal, so we listened and expanded!

[TSPCoach @TSPCoach]

Here is POTUS' speech. Following closely for March allocations.
For all in harms way, Godspeed and God Bless.

https://t.co/y8YGuoyLZv

[TSPCoach @TSPCoach]

@BillAckman @realDonaldTrump The secret is out. TSP is fantastic! Now, make it count with smart reallocations!

[VA Secretary Doug Collins @SecVetAffairs]

Effective immediately, VA is halting enforcement of the interim final rule, Evaluative Rating: Impact of Medication.

VA issued the rule to clarify existing policy and protect Veterans’ benefits in the wake of an ongoing court action. But many interpreted the rule as something that could result in adverse consequences.

While VA does not agree with the way this rule has been characterized, the department always takes Veterans’ concerns seriously. To alleviate these concerns, VA will continue to collect public comments regarding the rule, but it will not be enforced at any time in the future.

Under my leadership, VA is ensuring that everyone applying for benefits receives everything they have earned as quickly and conveniently as possible. This includes reducing the backlog of Veterans waiting for benefits by more than 60 percent. We will continue these improvements on behalf of America’s Veterans, families, caregivers and survivors.

[TSPCoach @TSPCoach]

February allocations for TSP Coach are now out!
It is worth noting that in 20 years of using my investment strategies, I have annualized returns of 13.89%. This compares to the best TSP performer, the C Fund, of 11.08%. Make your investments count too!

[TSPCoach @TSPCoach]

TSP Coach allocations for February are out!
It is worth noting that in the 20 years I have been using my strategy I have an annualized return of 13.89%. Compare that to the TSP leader, the C Fund, at 11.08%. Make your investments count. Follow me at https://t.co/ujxyDiI0Zv

[TSPCoach @TSPCoach]

I'll be closely examining how this will impact the I Fund. Tariffs have been resolved in the past without too much pain, but it was over other tariffs or other economic factors, not land.

[The Kobeissi Letter @KobeissiLetter]

BREAKING: President Trump announces a 10% tariff on Denmark, Norway, Sweden, France, Germany, the UK, Netherlands, and Finland beginning February 1st.

This tariff will be increased to 25% beginning on June 1st.

Tariffs will remain in effect until the US reaches a deal to buy Greenland.

“It is time for Denmark to give back,” Trump says.

[Mark Cecchini, CFP® @markcecchini]

COMMANDER: We’re fighting for freedom. And part of that freedom… is the freedom to retire with dignity. So we’re going to start accounts called 401(k)s.

SOLDIER 1: What’s a 401(k)?

COMMANDER: It’s a retirement account. You put money in, it grows tax-free, you take it out when you’re old.

SOLDIER 2: So I don’t pay taxes on it?

COMMANDER: Well, you pay taxes later. When you withdraw.

SOLDIER 2: So it’s not tax-free.

COMMANDER: It’s…tax-deferred.

SOLDIER 2: What’s the difference?

COMMANDER: You pay taxes later instead of now.

SOLDIER 1: What if I want to pay taxes now?

COMMANDER: Then you do a Roth 401(k).

SOLDIER 3: What’s a Roth?

COMMANDER: You pay taxes now, and it grows tax-free.

SOLDIER 2: That’s what I thought the first one was.

COMMANDER: No, the first one you pay taxes later.

SOLDIER 1: Which one’s better?

COMMANDER: Depends on your tax bracket in retirement.

SOLDIER 1: …How would I…know that?

COMMANDER: You don’t. You just guess.

⸻

SOLDIER 4: What if I don’t have a 401(k) through my employer?

COMMANDER: Then you open an IRA.

SOLDIER 4: What’s the difference?

COMMANDER: One’s through your job, one’s on your own.

SOLDIER 4: Can I have both?

COMMANDER: Yes.

SOLDIER 4: Should I?

COMMANDER: Maybe.

SOLDIER 3: Can I do a Roth IRA?

COMMANDER: Only if you make under a certain amount.

SOLDIER 3: What’s the limit?

COMMANDER: Changes every year.

SOLDIER 2: What if I make too much?

COMMANDER: Then you do a backdoor Roth by putting it in a Traditonal first.

SOLDIER 2: …Is that legal?

COMMANDER: Surprisingly, yes.

SOLDIER 1: What’s a backdoor Roth?

COMMANDER: You contribute to a traditional IRA, then convert it to a Roth…but watch out for “pro rata”.

SOLDIER 1: Why wouldn’t I just contribute to the Roth directly?

COMMANDER: Because you make too much money.

SOLDIER 1: But this way I can?

COMMANDER: Yes.

SOLDIER 1: That feels like a loophole.

COMMANDER: It is. But the IRS is cool with it.

⸻

SOLDIER 5: I just changed battalions. What do I do with my old 401(k)?

COMMANDER: You roll it over.

SOLDIER 5: Into what?

COMMANDER: An IRA. Or your new 401(k). Depends.

SOLDIER 5: On what?

COMMANDER: The funds. The fees. Whether your new plan accepts rollovers.

SOLDIER 5: What if I just take the money out?

COMMANDER: You’ll pay taxes plus a 10% penalty.

SOLDIER 5: What if I’m 59?

COMMANDER: Penalty.

SOLDIER 5: 59 and a half?

COMMANDER: No penalty.

SOLDIER 5: …The half matters?

COMMANDER: The half matters.

⸻

SOLDIER 3: What’s a mega backdoor Roth?

COMMANDER: Okay. So. Your 401(k) has a limit of how much you can contribute.

SOLDIER 3: Right.

COMMANDER: But the total limit including employer contributions is higher.

SOLDIER 3: Okay…

COMMANDER: So if your plan allows ~after-tax~ contributions, you can put in more, then convert that to Roth.

SOLDIER 3: Does my plan allow that?

COMMANDER: I don’t know. You have to ask Betsy.

SOLDIER 3: Will Betsy know?

COMMANDER: Probably not.

⸻

SOLDIER 2: Can I deduct my IRA contribution on my taxes?

COMMANDER: Are you covered by a retirement plan at work?

SOLDIER 2: Yes.

COMMANDER: Then only if you make under a certain amount per year.

SOLDIER 2: What’s the amount?

COMMANDER: Depends if you’re married.

SOLDIER 2: What if my wife has a plan but I don’t?

COMMANDER: Different limit.

SOLDIER 2: What if neither of us has a plan?

COMMANDER: Full deduction.

SOLDIER 2: So it’s better to not have a 401(k)?

COMMANDER: No…

⸻

SOLDIER 1: Can I just keep my money in a sock?

COMMANDER: You could. But inflation will slowly destroy it.

SOLDIER 1: What’s inflation?

COMMANDER: (sighs)…

[TSPCoach @TSPCoach]

January allocations are out! We had a very strong 2025 with a return of over 18.3%! Wishing everyone a Happy New Year and keep investing!

[Office of the Chief of Naval Operations @USNavyCNO]

Your greatest warfighting advantage is your mind! Chief of Naval Operations Adm. Daryl Caudle released his Professional Reading Program to encourage all Sailors to deepen their knowledge as warfighters. Expand your thinking as a life-long learner. https://t.co/kWbgcoAb7a