Age-. The general rule in the industry is that once an A/C unit reaches 10-15 years, the idea of replacing the unit is usually a much better investment than putting money into an older system. If your system is at this threshold, it's usually wise to begin expecting, not wondering, when the system will fail.
You can keep the money in the TSP after you leave your federal job to benefit from the low fees, or you can roll over the money into an IRA or a new employer's 401(k), 403(b) or 457.
Rollover to an IRA. If you are eligible for a traditional or Roth IRA, consider rolling over your TSP into one of these accounts. Both types of IRA allow early withdrawals for qualified education expenses without assessing the 10 percent additional penalty. You'll still owe any tax due on the distributions.