When we’re talking about tax on interest accrued over the course of 20-40 years in a retirement account over, that’s pretty significant. Compare that to not paying any taxes on any of it as long as you don’t exceed the 0% bracket for long-term capital gains. Also, you have more choice in how you invest it, and can access the money earlier without any penalties. I think traditional TSP is only a good idea if you’re using it to reduce your tax burden in the now, which is probably not necessary if you’re getting 6-9 months of tax free. I think the main advantage is that is forces you to actually save that money for retirement, as early withdrawals incur huge penalties, but for anyone financially disciplined, that shouldn’t be an issue. Please throw spears at what I’m saying if I’m missing something. Sent from my iPhone using Tapatalk