TSP 2026: New Roth Rules Federal Employees Must Know |Ep 124

Big changes are coming to your Thrift Savings Plan in 2026, especially if you're a federal employee in your 50s or 60s who's using catch‑up contributions. A single line on your 2025 W‑2 will determine whether your extra TSP savings in 2026 are forced into the Roth side of the plan. That can quietly shrink your paycheck, change your tax picture, and open up new opportunities to build tax‑free income if you use it on purpose.

In this episode of Confident Federal Retirement, I break down how traditional and Roth TSP actually work, what the new Roth catch‑up rules and in‑plan Roth conversions really mean, and how they might affect your take‑home pay, future tax bills, and even your Medicare premiums. You'll hear simple, plain‑English examples so you can see exactly how these changes could hit your situation.

When you're ready for one‑on‑one help, visit https://gtwealthguide.com/federal-blueprint to request a personalized Federal Retirement Plan and schedule a call.

We'll map out your federal benefits, TSP, Social Security, and tax plan on one page so you can retire from federal service without guessing.