Am I really prepared to retire? The current system is broken, it is not set up to sufficiently educate and prepare those wishing to retire for the decisions that have to be made when planning for retirement. We're well into the year 2022 and there's going to be 5,000 mutual funds added to the TSP. What has your agency done to prepare you for that? What kind of education have they given you to prepare you to wade through 5,000 additional options into your TSP account? Education is power, and you can't get too much education. Learn how choosing the wrong retirement date can cost you....