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.
So that you don't make my mistake, here's what I would do: 1  Save a $1000 emergency ASAP (so you have some kind of emergency savings to tap) 2  Continue on your plan to put 10% into emergency savings and 10% into the Roth TSP option.