First you need to know that you are doing relatively well at your age. As long as you enjoy your work just keep going the way you are going.As far as the financial questions I can tell you what I have done and what I would have done if I figured things out earlier. I am 53 and covered by the earlier Federal retirement plan (CSRS) but I do understand the issues if not always the best answers. Putting funds into the TSP and your selection is excellent (I do 50% C (S&P) 25% S (Small cap) 15% I (Intl index) and 10% G (Treasurys). Bonds are out right now. My Roth is in a Vanguard balanced fund (VAAPX) which really suits my age and attitude. Over the last few years I have set up several DRIPs and they have worked well for me. They have grown well and are a source of funds if something comes up like a house purchase might be for you. If I had known it earlier I would have started into DRIPs sooner. And I would have bought REITs when they were valued better. Both DCA which is not brilliant investing but follows the way my income in. Real investing takes time, interest and aptitude and you have to amass enough money to invest to make the effort worthwhile. When I had a trading account I did OK, beating the market by a small bit but it took more of my time than it was worth.I have a house which I bought out of probate and has appreciated a good bit. While that worked I would not want to do that again, I value my time more now and will pay others to do work that I can but would rather not do. But owning my own home has worked for me. One other thing I did is to establish a "fun" fund. This was very empowering for me as it allowed me to spend a controlled amount on anything I wanted without threatening my financial plan.