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.
If funds are limited and credit is tight, you might consider using what's left in your 401(k) to start a business or a buy a franchise. Yes, it is possible. And proponents tout a method known as a rollover as business startup -- or ROBS -- as a tax-friendly way for budding entrepreneurs to tap their 401(k) accounts.es, it is possible. And proponents tout a method known as a rollover as business startup -- or ROBS -- as a tax-friendly way for budding entrepreneurs to tap their 401(k) accounts.