How Much Cash Should Federal Employees Have Before Retirement?

2026-09-09T16:47:08+00:00August 31, 2026|Financial Basics, Retirement|

Most federal employees spend years obsessing over their Thrift Savings Plan (TSP) balance. They check their C and S Fund allocations weekly, project their High-3 average salary down to the penny, and run FERS pension calculations until their eyes cross. Yet, one of the biggest threats to a smooth [...]

What Happens to Federal Employees During a Government Shutdown?

2026-09-09T16:36:27+00:00August 3, 2026|Financial Basics|

When Congress fails to pass annual appropriations or a continuing resolution (CR), the federal government enters a lapse in funding. For federal employees, a government shutdown raises critical immediate questions: Will I still get paid? What happens to my health insurance? Do I have to work without pay? Thanks [...]

How Much Emergency Fund Do Federal Employees Really Need?

2026-09-09T14:45:03+00:00May 25, 2026|Financial Basics|

When you work for the federal government, standard financial advice can feel out of touch. Traditional financial planners routinely advise keeping 3 to 6 months of living expenses in cash. But as a federal employee under FERS, you enjoy level job security that most private-sector workers can only dream [...]

How to Budget on a GS Salary (Without Overcomplicating It)

2026-09-09T14:13:25+00:00May 4, 2026|Financial Basics|

Budgeting on a General Schedule (GS) salary often feels frustrating using standard personal finance advice. Conventional budgeting rules—like the popular 50/30/20 rule—are built around gross pay and simple single-line paychecks. But as a federal employee, your SF-50 salary is merely a starting number. Before your paycheck hits your bank [...]

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