Total compensation at a tough post can run far above base salary, so it feels like those years should count for more toward your pension. They don't. Here's the figure your FSPS annuity is actually built on.
If you're carrying student loans and serving at a hardship or danger-pay post, the Department may pay them down — up to $10,000 a year. It's been funded every year since 2002, and a striking number of eligible employees never apply.
The new trustees report moved the trust fund depletion date to late 2032, and the headlines sound dire. Here's what depletion actually means, why the 1983 rescue matters (especially to federal employees), what's different for Foreign Service households, and the one mistake not to make in response.
Pension questions are coming up more often, and they deserve a careful answer. Here's how FSPS payment security actually works, what the 2025 legislative fight revealed about where the real risks sit, and how to build a plan that doesn't depend on Congress leaving everything alone.
The TSP now lets you convert traditional balances to Roth without leaving the plan. It's a useful tool — and an easy way to make an expensive mistake if you reach for it during your peak-earning years. Here's how to think about timing.
By the time the principal employee retires, many EFM spouses have quietly accumulated 10 to 15 years of FERS service. Here's what that benefit is worth — and what decisions need to be made.