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after working with hundreds of federal employees we find the numbers were about to share very common in retirement planning lets assume for a moment that before you retire youre bringing home six thousand dollars a month and that is covering all of your needs uh while youre working now you retire and your income is broken down into several buckets first you have a federal pension that would equal three thousand dollars a month a social security check lets call that fifteen hundred dollars a month leaving you with forty five hundred dollars a month in income when you retire this gives us a gap of one thousand five hundred dollars how do you cover that gap well you can reduce expenses you can continue to work part-time or you can begin withdrawing from the assets youve saved over the last several decades from your tsp or from other assets today we want to examine how to do that and the effects that in taxes and inflation will have on your withdrawals over time so lets jump into a