Suze Orman

Why would you do that?

It's going to affect so many things.

So I want you to number one, immediately get in to a Roth TSP.

Also, if you're not in a very high income tax bracket or you can afford it, you might want to, because you're now allowed to, as of January 28th, actually, you're allowed to do in-plan conversions.

So you could take some of the money that's in your traditional TSP and now transfer it to a Roth TSP that wasn't allowed before January 28th of this year for the TSPs.

In terms of your allocation, KT said, so what's a G and what's a C?

KT, within the TSP, the Thrift Savings Plan, there are many different mutual funds or sections.

The G is like the government one.

It's like a money market fund.

They pay you an interest rate.

It doesn't fluctuate.

It is good.

It is solid.

It's there.

The C is like the Standard & Poor's 500 Index, like a common stock fund.

The

So right now, she is divided 50-50.

The rule of thumb is when you retire, you want to make sure that you have at least three years of living expenses in your retirement account within a money market account or the G fund in your situation.

That's because if the market starts to go down,

You do not want to have to take money from a C fund or a stock fund when the market is down.