Age-. The general rule in the industry is that once an A/C unit reaches 10-15 years, the idea of replacing the unit is usually a much better investment than putting money into an older system. If your system is at this threshold, it's usually wise to begin expecting, not wondering, when the system will fail.
You can keep the money in the TSP after you leave your federal job to benefit from the low fees, or you can roll over the money into an IRA or a new employer's 401(k), 403(b) or 457.
CHECK YOUR TSP BALANCE When you get a TSP loan, you are borrowing against your own contributions and whatever earning's they've accumulated. (You cannot borrow against your agency contributions.) In general, you can borrow any amount between $1,000 to $50,000, with the cap set at the amount of your contributions and earnings.