Looking for some advice from guys that started later and made some mistakes along the way. Full transparency. I fell into all the traps of a young enlisted kid; bought cars and motorcycles, got married without knowing my spouse well, got divorced (twice), went to every club and wasted money, started a business that failed and bought a home during the 2008 bubble that I lost my down-payment and 20K extra on. Also decided to Yolo and drown my sorrows after my divorce by pulling money from my TSP (which I calculated cost me a boat load now). So once I realized how behind I was and got out of my funk, I got it together. I had wasted years so I went back to school, got commissioned, got out of debt and started investing more into my TSP and saving. I have children with my ex so a lot of money goes there. But currently I'm at 20 years. Have 6 more to make my 10 as an O. 160K in TSP (legacy not brs), 40K in SCHG and SCHD taxable account, 60K liquid between a CD and money market, and 15K emergency that I don't ever look at. Gave up the 250K equity in my home to make the divorce smooth and not have her lawyer trying to touch my retirement. I never did an IRA because I wanted the money available if I need it and with 3 kids, it's always a possibility. Will be maxing my tsp until I retire. What else should I do now? I know I'm behind where I should be but kind of just want advice from those who made a few mistakes but ended up okay in the long run.
Posted by Bun-n-Cheese