Question: (Cass, Mississippi) Hey, Joe and Big Al, this is Cass from Mississippi. I drive a Chevy Equinox 2013. People say what they drink, too. Coke is it. That’s it. And I have two toy Fox Terriers named Boss and Smash. And they are tiny and tough. So, you know, if anybody breaks into my house, hey, be ready. So my question is about the TSP. There’s two reasons that I think I should transfer out of the TSP once I retire in 10 years. So that gives you guys plenty of time to answer this question. One is when you withdraw funds, you don’t have the choice of withdrawing from just the bond fund. And that was kind of my plan to help, you know, stay rebalanced over the years. But you have to withdraw in equal increments from all the funds. And I’m wondering, is there some kind of workaround for this that I don’t know about? Or is it not terrible? Because I don’t understand how that’s good. But this is the great TSP, so, you know, I don’t want to give up on it.
And the other thing is, with like a regular Roth in my Vanguard, I know I’m not going to have to take RMDs from that. But the TSP Roth, you do have to take RMDs. So another thing I’m not crazy about. Do you think these two reasons or big enough reasons to transfer out of the TSP after I retire? I just wanted to get you guys thoughts on it and see what you think. I appreciate all your help, and your good advice, and the podcast is great. I love it. Stay cool.

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