Scam alert: Feds getting calls/emails about “urgent” TSP or retirement changes. OPM/TSP never ask for login or SSN by phone/email. Pressure to act now? Red flag. When in doubt, check tsp.gov.

Shutdown fatigue + Open Season = overwhelm.
Fatigue isn’t failure—it means you’ve carried too much, for too long.
What’s one thing that would make Open Season easier for you?

Shutdown = missed TSP contributions & loan payments. No panic, TSP kept your loan current. Repayments resume and are spread out. Can’t “catch up” on missed contributions, but you can adjust your rate now. Don’t “set and forget”, check your fund mix.

Shutdown over, but Open Season deadline (Dec 8) isn’t moving. FEHB premiums up 12.3%. If you missed premiums, they’ll be caught up, no lost coverage. Overwhelmed? You’re not alone. Community threads are sharing plan tips & support.

USPS is open, paychecks are steady, but stress is real.

Long hours, job cut rumors, and burnout are hitting hard.

What gets you through the week? Share a tip below. Postal workers, you are not alone.

"𝘐'𝘷𝘦 𝘣𝘦𝘦𝘯 𝘢 𝘧𝘦𝘥 𝘧𝘰𝘳 20 𝘺𝘦𝘢𝘳𝘴. 𝘐'𝘷𝘦 𝘯𝘦𝘷𝘦𝘳 𝘧𝘦𝘭𝘵 𝘮𝘰𝘳𝘦 𝘥𝘪𝘴𝘱𝘰𝘴𝘢𝘣𝘭𝘦."
If you've thought this, you're not alone.
Your worth isn't tied to how the system treats you.
You are essential. 💙

𝟮𝟬𝟮𝟱 𝗧𝗦𝗣 𝗹𝗶𝗺𝗶𝘁𝘀 𝗮𝗿𝗲 𝘂𝗽!
$23,500 (under 50),
$31,000 (50+),
$34,750 (ages 60-63).

Can't max out? 𝗖𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗲 𝗮𝘁 𝗹𝗲𝗮𝘀𝘁 𝟱% 𝘁𝗼 𝗴𝗲𝘁 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗺𝗮𝘁𝗰𝗵.

Your future is still yours to shape.

Shutdowns don’t just stop paychecks—they shake trust and community.

If you feel invisible or let down, you’re not alone.

Reach out, protect your peace, and remember: Your story matters.

Find support at federalrifresources.com

𝗔 𝗺𝗶𝘀𝘀𝗲𝗱 𝗧𝗦𝗣 𝗱𝗲𝗽𝗼𝘀𝗶𝘁 𝗻𝗼𝘄 𝗶𝘀 𝗮 𝗺𝗶𝘀𝘀𝗲𝗱 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝘆 𝗳𝗼𝗿𝗲𝘃𝗲𝗿.

Shutdown means missed TSP deposits and lost agency matches, not lost balances.

Each skipped contribution means less growth later.

When pay resumes, increase your contribution if you can.

Prot

Shutdown panic? Here’s the truth:
FEHB & FEGLI stay in force, TSP stays invested, and pension checks keep coming.
What’s truly at risk: missed pay and stress, not your core benefits.
Steady info, all in one place: federalrifresources.com

When organizations create shutdown-specific crisis counseling, they're responding to a crisis.

✓ Partnership for Public Service: mental health resources
✓ wellfed: weekly support
✓ Empower Work: free counseling

Fed employees: "living on fear and intimidation"

Not overreacting. Trauma is real.

𝗗𝗮𝘆 𝟮𝟭: TSP loan (4.375%, up to $50K) vs credit union (0%, up to $6K)?

TSP = money stops growing Credit union = $0 cost

Need ≤$6K? Credit union wins. Need more? TSP beats credit cards.

Not about "right" choice. About 𝗬𝗢𝗨𝗥 situation.

Resource guide: Comment below 👇

#Shutdown #FederalEm

𝗗𝗮𝘆 𝟮𝟬: 𝗦𝗲𝗻𝗮𝘁𝗲 𝘃𝗼𝘁𝗲𝘀 𝟱:𝟯𝟬𝗽𝗺.

70K will get paid (super check Wed). 1.5M working without pay. 800K furloughed, no pay.

𝟯% 𝘃𝘀 97%.

The law says everyone gets backpay.

Your worth isn't defined by which group you're in.

𝗬𝗼𝘂 𝗱𝗲𝘀𝗲𝗿𝘃𝗲 𝗯𝗲𝘁𝘁𝗲𝗿.

Day 17 of the shutdown. Courts go unfunded today. Senate staff lose pay in 72 hours. Some federal workers are still paid. Most are not.

Backpay is legally required for federal employees. Contractors? Not guaranteed.

This isn’t just a standoff. It’s a paycheck crisis.

#FederalEmployees #Backpay

Furloughed feds aren’t losing their TSP match—but if backpay lands in 2026, they lose 2025 contribution space forever.

The real issue? Not mechanics. It’s whether OMB follows the law.

Don’t buy the Reddit panic. Know your rights.

My client didn’t wait 60 days to react to her RIF notice.

She had a strategy on Day 1—while others were waiting on HR.

I gave her the checklist I now share with all federal employees facing RIF:

Comment "Checklist" for the link 👇

Don’t miss this window.

4,200 RIF notices issued across 7 agencies. If you have TSP loan:

Separation = 𝟵𝟬-𝗱𝗮𝘆 𝗳𝘂𝗹𝗹 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁 deadline
Can't pay = taxable distribution + 10% penalty

Example: $35K loan = $10K+ in taxes/penalties

Check balance 𝗧𝗢𝗗𝗔𝗬. Know rollover options.

Comment "𝗧𝗦𝗣" for s

Day 13: FEHB coverage continues during furlough and you can't drop it (OPM verified).

Premiums accumulate, deducted from first check.

$500/period over 6 weeks = $3,000 hit.

With back pay uncertain + 4,200 RIFs = planning crisis.

Comment "guide" for shutdown survival guide.