{"id":25803,"date":"2026-02-20T13:57:10","date_gmt":"2026-02-20T13:57:10","guid":{"rendered":"https:\/\/finderica.com\/?p=25803"},"modified":"2026-02-20T13:57:10","modified_gmt":"2026-02-20T13:57:10","slug":"maintaining-good-habits-in-the-thrift-savings-plan","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=25803","title":{"rendered":"Maintaining Good Habits in the Thrift Savings Plan"},"content":{"rendered":"<div id=\"\">\n<header class=\"entry-header\">\n<p class=\"entry-meta\"><time class=\"entry-time\">February 19, 2026<\/time> <span class=\"entry-author\"><span class=\"entry-author-name\">Chris Kowalik<\/span><\/span>   <\/p>\n<\/header>\n<div class=\"entry-content\">\n<p>\u00a0<\/p>\n<h2>What you do regularly in the TSP is more important than what you do every once in a while\u2014no matter how long you have left.<\/h2>\n<ul>\n<li>CONTRIBUTIONS: Choosing how much to invest and which funds to use<\/li>\n<li>TEMPERAMENT: Choosing how to react to changing market conditions<\/li>\n<li>TIMELINE: Choosing how to view your access to money in the TSP<\/li>\n<\/ul>\n<p><iframe title=\"Maintaining Solid Habits in the Thrift Savings Plan\" width=\"788\" height=\"443\" src=\"https:\/\/www.youtube.com\/embed\/_Po4f3PMUhY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p><span class=\"cp-load-after-post\"><\/span><\/p>\n<div id=\"myfed-3824699452\" class=\"myfed-chris-kowalik-article\" style=\"margin-top: 10px;margin-right: 5px;margin-bottom: 10px;margin-left: 5px;\">\n<div style=\"background-color: #f5f5f5; padding: 15px;\">\n<h4 style=\"text-align: left;\">About Chris Kowalik<\/h4>\n<h5 style=\"text-align: left;\"><a href=\"http:\/\/fedimpact.com\/learn-more\" target=\"_blank\" rel=\"noopener\"><u><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-26932 alignleft\" src=\"https:\/\/www.myfederalretirement.com\/wp-content\/uploads\/2019\/01\/ID-ChrisKowalikHeadshot-96x96-1.png\" alt=\"\" width=\"96\" height=\"95\" srcset=\"https:\/\/www.myfederalretirement.com\/wp-content\/uploads\/2019\/01\/ID-ChrisKowalikHeadshot-96x96-1.png 96w, https:\/\/www.myfederalretirement.com\/wp-content\/uploads\/2019\/01\/ID-ChrisKowalikHeadshot-96x96-1-10x10.png 10w\" sizes=\"auto, (max-width: 96px) 100vw, 96px\"><\/u><\/a>Chris Kowalik is a federal retirement expert and frequent speaker to federal employee groups nationwide. In her highly-acclaimed <a href=\"https:\/\/fedimpact.com\/attend-retirement-workshop\/?utm_source=MFR&amp;utm_medium=Del5&amp;utm_campaign=SetA100&amp;utm_term=Box13&amp;utm_content=Style90\" target=\"_blank\" rel=\"nofollow noopener\"><u>FedImpact Workshops<\/u><\/a>, the <a href=\"https:\/\/fedimpact.com\/podcast\/?utm_source=MFR&amp;utm_medium=Del5&amp;utm_campaign=SetC100&amp;utm_term=Box13&amp;utm_content=Style90\" target=\"_blank\" rel=\"nofollow noopener\"><u>FedImpact Podcast<\/u><\/a>, and the <a href=\"https:\/\/fedimpact.com\/webinar\/?utm_source=MFR&amp;utm_medium=Del5&amp;utm_campaign=SetB100&amp;utm_term=Box13&amp;utm_content=Style90\" target=\"_blank\" rel=\"nofollow noopener\"><u>FedImpact Webinars<\/u><\/a>, she empowers employees to make confident decisions as they plan for the days when they no longer have to work. Chris\u2019 candid and straightforward nature allows employees to get the answers they need and understand the impact these decisions have on their retirement.<\/h5>\n<\/div>\n<h5 style=\"text-align: left;\"><span style=\"font-family: helvetica, arial, sans-serif; font-size: 8pt;\">DISCLAIMER: The information presented on MyFederalRetirement.com is provided for general information purposes. The information has been obtained from sources considered to be reliable. The information is offered with the understanding that the publisher is not engaged in rendering legal, accounting or other professional services. If legal advice or other expert assistance is required, the services of a competent professional should be sought. For more information, please read our Terms of Service.<\/span><\/h5>\n<\/div>\n<div id=\"myfed-3885702690\" class=\"myfed-fedimpact-cta\" style=\"margin-top: 2px;margin-bottom: 2px;\">\n<p>Advertisement<\/p>\n<p><a data-no-instant=\"1\" href=\"https:\/\/fedimpact.com\/attend-retirement-workshop\/?utm_source=MFR&amp;utm_medium=Del4&amp;utm_campaign=SetA100&amp;utm_term=Box12&amp;utm_content=Style20\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"training-CTA-desktop\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.myfederalretirement.com\/wp-content\/uploads\/2022\/02\/training-CTA-desktop.png\" alt=\"\" srcset=\"https:\/\/www.myfederalretirement.com\/wp-content\/uploads\/2022\/02\/training-CTA-desktop.png 728w, https:\/\/www.myfederalretirement.com\/wp-content\/uploads\/2022\/02\/training-CTA-desktop-300x103.png 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" width=\"728\" height=\"250\" style=\"display: inline-block;\"><\/a><\/div>\n<\/div>\n<footer class=\"entry-footer\"><\/footer>\n<\/div>\n<p><a href=\"https:\/\/www.myfederalretirement.com\/tsp-habits\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>February 19, 2026 Chris Kowalik \u00a0 What you do regularly in the TSP is more important than what you do every once in a while\u2014no matter how long you have left. CONTRIBUTIONS: Choosing how much to invest and which funds to use TEMPERAMENT: Choosing how to react to changing market conditions TIMELINE: Choosing how to<\/p>\n","protected":false},"author":2,"featured_media":24258,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[348],"tags":[40,484,5146,310,327,445],"class_list":{"0":"post-25803","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-retirement","8":"tag-good","9":"tag-habits","10":"tag-maintaining","11":"tag-plan","12":"tag-savings","13":"tag-thrift"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/25803","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=25803"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/25803\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/24258"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=25803"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=25803"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=25803"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}