You are not missing out on 40 k a year for life. You are being delayed making that by maybe 1 year since you are already D2 mighty ducks. so you’ll get there just later than you want. And I just think caring as much as you do about the 16k tsp at the end of your career is extremely petty when you are going to be making 140k plus for the rest of your career, and if you’ll need it that bad, you didn’t do something right. If we still have a pension you’ll probably make 80k+ again if you are that worried and need the 16k you fucked up at life or got divorced too many times.