If you're a federal employee within 10 years of retirement, your Roth TSP vs Traditional TSP decision is one of the biggest levers you still have to control your lifetime tax bill. Most people think it's just a paycheck choice. In reality, it affects how much of your Social Security is taxed, how big your required minimum distributions (RMDs) are, your future Medicare premiums, and even what happens to your surviving spouse's tax bracket if something happens to you.

In this episode of Confident Federal Retirement, I break down Roth vs Traditional TSP specifically for federal employees in their final 5–10 working years. We'll walk through three common federal couples, show where Roth can help, where Traditional may still make more sense, and the four biggest mistakes I see when people make this decision based only on their pay stub or a rule of thumb. You'll learn how to think in "tax phases," spot your own tax window, and decide whether your current mix is helping or quietly hurting your retirement plan.

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When you're ready for one‑on‑one help, visit https://gtwealthguide.com/federal-blueprint to request your free Federal Retirement Blueprint.

We'll map out your federal benefits, TSP, Social Security, and tax plan on one page so you can retire from federal service without guessing.