Re:US Tech Force
by alephnerd on Monday December 15, 2025 @03:18PM
(#46279972)
No 401k can ever match the beauty that is the TSP.
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Re:US Tech Force
by raw_anon_1111 on Monday December 15, 2025 @05:36PM
(#46281788)
I can guarantee you I can save/invest more in the private sector with the gap between public sector pay and make up for the TSP.
Left federal and my private 401k is 150% match up to 6%. Better than TSP in everything except fees, which are slightly higher. But that mattered a lot less than my pay, I was a GS-15 in a leadership role and took a role in the private sector for a 30% pay increase back into an individual contributor role. So much less work and a huge pay increase.
Re:US Tech Force
by phantasmish on Monday December 15, 2025 @06:29PM
(#46282458)
3 dollars for every 2 up to 6% of pay? So you could get up to 15% of pay into the 401k (or the annual limit, whichever comes first)?
That’s by far the best I’ve ever heard of. Usually employers screw us by keeping the majority of the max annual contribution, which only they can make, out of our reach with crappy “50% match up to 3%” policies or whatever (even a 100% match means you can’t hit the actual annual max, it has to be higher than that).
> my private 401k is 150% match up to 6%
Oh that's actually really good. Beats a TSP for sure even with the fees. But from what I remember you're at a defense contractor - they probably have the best benefits plans overall in the US.