<prompt> Human: I cannot figure this out and figured id ask around. I am currently active duty military. I have a unique situation in that I am single and live in barracks yet get a ton of extra pay due to my line of work flight pay, bas, cost of living adjustments, totaling almost 30 more than my base pay and have practically 0 expenses beyond food car insurance and internet. This completely crushes the whole 503020 rule cause i can easily save 50-60 of my paychecks. I recently opened a schwab account and have a typical 6040 stockbonds in low cost index funds as well as an ally savings account with a good 6 month reserve. I send about 40 of my paycheck to schwab and 15 to ally. However the government offers a decent low cost tsp. The only thing is, i am not going to stay in the government. Although i have a guaranteed job for the next 4 years, my goal is to get out and return to school. I dont want to do the tsp because i will have to roll it over into some other fund when i get out of the military. All the low cost benefits could go away when i put it in a 401k with higher expense ratios. I also have no idea what my future holds. Im saving, but im not exactly the settle down type. I want to be able to access the money. If the benefits of the 401k highly outweigh the index fund portfolio i have currently id be willing to put money in. I just cant bring myself to take it out of an account making good returns and put it in an account i cant access and dont know if in 4 years ill have worse terms, wont be contributing that much while im in school, need the money for school, ect. Another thing that might be important is i have two degrees already. The job market was just tough when i joined up and tbh i make a decent middle class salary. That definitely affects my retirement outlook. Any thoughts?  <response>: I dont want to do the tsp because i will have to roll it over into some other fund when i get out of the military.This is false. You can keep the money in the TSP after separation until you turn 70 and 12. You can roll future 401k or IRA balances into the TSP as well.My advice is to max out your TSP contribution from now until separation. The tax advantages are fantastic, and youll need it for retirement eventually anyway. 