MUSTERSide-by-Side Analysis
What you have.
What you're leaving.
Three scenarios. Real numbers. The gap between your current trajectory and what's actually possible.
TSP Traditional vs. Roth Conversion
Tax StrategyE-7, 20 Years · $180,000 TSP Balance
Monthly Delta
+$783
Optimization result: $235,000 more over 25 years
Projections based on 2025 TSP contribution limits, current federal tax brackets, and DoD High-3 / BRS actuarial tables. Individual results vary.
The Cost of Waiting
The gap you can't
unsee.
Every month you separate without this mapped is money that doesn't compound. These are real gaps — same rank, same years, different decisions.
TSP Roth Conversion Delay
E-7 / 20 yrs
Monthly Gap
+$783/mo
20-Year Total
$187,920
No IRA Bridge Strategy
O-4 / 20 yrs
Monthly Gap
+$2,090/mo
20-Year Total
$501,600
BRS Match Not Captured
E-5 / 8 yrs
Monthly Gap
+$1,860/mo
20-Year Total
$446,400
SBP Election Misconfigured
O-5 / 22 yrs
Monthly Gap
+$1,140/mo
20-Year Total
$273,600
Combined 20-Year Inaction Cost
$1,409,520
Across all four scenarios above — that's the number sitting on the table right now.
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Your TSP Details
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Separation Finance
Playbook.
The 47-page field manual your transition assistance program didn't give you. Every scenario mapped, every deadline flagged, every dollar accounted for — specific to your rank and years of service.
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