Dan and Katelyn discuss two important retirement planning developments affecting federal employees: the USPS FERS funding pause and the enhanced catch-up contribution opportunity available to those ages 60–63.
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The Fed15 Podcast | Ep. 154 USPS FERS Funding Pause + SECURE 2.0 Catch-Up Contributions
Dan breaks down what the USPS temporary suspension of employer FERS contributions means for postal employees and retirees. He explains what is—and is not—changing, how the pause impacts FERS pensions, TSP contributions, Social Security, and service credit accrual, and what employees should monitor on their pay stubs and TSP accounts. Dan also discusses why the announcement reflects broader USPS financial challenges and the steps employees should take to stay informed.
Katelyn covers the SECURE 2.0 enhanced catch-up contribution provision for federal employees ages 60–63. She explains who qualifies, why this four-year savings window can be valuable for late-career retirement planning, and how eligible Feds can potentially boost their TSP contributions beyond the standard age-50 catch-up limits. She also discusses balancing increased retirement savings with other financial priorities, common mistakes to avoid, and practical ways to maximize this limited opportunity.
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