Hi Baja6string, my last working day is tomorrow after retiring from both the military and the government and I've had that debate with myself for some time. I'm fortunate to have a surplus of retirement, disability, spousal, and investment income coming in so I'm planning on leaving my money in the TSP for some time for the flexibility in managing my funds. However, my primary thoughts are to take a portion from TSP annually to delay social security until age 67 or 70 to allow that to double after 7-10 years. Then focus more on staying within a tax limit by maximizing TSP withdrawals to that targeted max without going over. All of that said, this probably isn't the response you're looking for, but the TSP option seems the best for me to play all of that forward.