Suze Orman

But KT, if you did disagree, you would have the power to- I wouldn't do that noise.

No, but if you did disagree, you would have, you feel like you're powerful enough that you would do so, right?

Yeah.

But guess what, everybody, there is a saying in our household.

What is it, KT?

Yeah, it just, it irks me.

Anyway, go on.

Al, first of all, you did not say if your TSP was a Roth TSP, which makes me believe it's a traditional TSP, which means it's pre-tax.

So for the next two years, do you hear me?

for the next two years till you are 67, every single penny that you put in to the TSP needs to be what?

It needs to be a Roth TSP.

That's number one.

Number two,

you say that you may withdraw 20,000 at retirement.

Why?

If you withdraw that the way you currently have it now, and even if you open up a Roth TSP, it's got to be open for at least five years to take it out tax-free, unless...

you have a Roth IRA, which I don't think you do because you didn't say you did, then you could have converted it to a Roth IRA at 67.

And if you had had that open for five years, then you could have taken out the $20,000 possibly tax-free, but that's besides the point.

But you want to withdraw $20,000 at retirement.

And the question is, why?