Aitrus wrote: ↑Thu Apr 13, 2023 5:28 pm
Any advice for those of us for whom 80 is still on the other side of 45 (even if just barely, as in my case)?
1. Make a daily habit of stretching, especially your back. Before you leave your bed if possible. Otherwise, before you do anything physical. Definitely before settling into your car or at a desk for an extended period of time.
I began this practice more than two decades ago, when I was playing golf irregularly and my back hurt after 9 holes. I eventually realized that I almost never threw out my back when reaching beyond my grasp – except when I failed to take one minute that morning to stretch.
2. Focus more on growing your TSP than increasing your high-3. At some point, a good day for the market (e.g. yesterday) will increase your nest egg more than an entire year of government matching. Consider whether a promotion to the next higher pay grade is worth the additional stress. If the position assumes extra unpaid hours, your effective hourly rate may be less than as a worker bee.