How Much Should You Contribute to Your TSP? Get the Match and Max It Out!

Are you making the most of your Thrift Savings Plan (TSP)? In this episode of Rayna Retirement, Rayna Reyes breaks down exactly how much you should be contributing to your TSP—so you’re not leaving free money on the table. 

Rayna explains:

• Why 5% is the minimum you should contribute to get your full government match
• How to calculate your per-pay-period contribution to hit your yearly maximum
• ‍ What’s new for 2025, including the Super Catch-Up for workers age 60–63
• How to redirect future raises into your TSP automatically
• Why TSP is a great accumulation tool—but why you may also need an IRA for retirement flexibility

With her signature humor and relatable style, Rayna makes TSP math simple, practical, and even fun. Whether you’re early in your federal career or nearing retirement, this episode gives you the tools to grow your savings with confidence.

Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org

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YouTube: https://www.youtube.com/@RaynaRetirement

Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.

Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.