I do not believe you are. Since you say that you will not use the TSP money until required to do so, and you are currently only 48, you have a long time until you are required to do so. I would use that time to invest aggressively to maximise the amount you will have at the end of this whole process. Maybe, in a few years, reassess how aggressive you want to be, possibly pulling back some from the S and I funds, but until you see your need to touch this money on the ten year horizon I would keep it going strong. Just my 2 cents though.Caliman
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