I do not have a TSP (had to look it up) but with any type of plan you have an elective deferral limit of 23,5K (are you doing that), and then a 7,5K catch up and 11,2K higher catch up if your 60-63 years old (according to the internet). I would not depend on the interest making up (maximizing) for any late start but instead you should defer as much income as possible till retirement? My 2 cents.
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I will say the things that others are probably thinking but afraid to say.
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