2025 Max Out Your TSP & Earn Full 5% BRS Match #154

Spencer and Jamie explain how to maximize TSP contributions under the Blended Retirement System (BRS), including calculating monthly contribution percentages and avoiding common mistakes that could result in missing matching funds. They break down the 2025 contribution limits and discuss strategies for both BRS and legacy retirement system participants.

Here's the TSP BRS maximizing chart.

Questions discussed:

• What are the TSP contribution limits for 2025?
• How do Roth TSP and Roth IRA limits differ?
• How should you calculate monthly TSP contributions under BRS?
• What happens if you front-load TSP contributions under BRS?
• How do you handle mid-year pay increases?
• What should you do if you over-contribute?
• How do you adjust contributions if starting later in the year?

Resources mentioned:

• MilitaryMoneyManual.com/tsp
• TSP.gov
• MyPay
• r/MilitaryFinance subreddit
• Military Money Manual Instagram (@militarymoneymanual)
• TSP contribution calculator/chart on MilitaryMoneyManual.com
• NDAA 2025 proposed pay increases
• Blended Retirement System (BRS) overview

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If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email [email protected].

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