<prompt> Human: Good morning. A little background: Im in the military, E6 in 8 years and I make 60k a year. I have student loans, cc debt but Im able to save at least 1000 a month. I do plan on retiring from the military and earning a check once a month.My question for the group: am I on the right track for retirement or should I make changes and what could I do to improve my retirement accounts? Also, am I too diverse?I have 30k in my retirement accounts.Roth IRAMutual Fund is 14kTSP 401k 16kSavings 1kStocks 2kAcorn micro investing 1kHope I did this right, thanks for the help.  <response>: Personally Id migrate the money you have in Acorn to somewhere else, the fees are relatively high there compared to other places.Betterment for example is 0.25 of your balance yearly vs Acorns 1month for balances under 5,000.Also the fees associated with the TSP are likely lower than what youre getting with your Roth IRA, so you should aim to max that out before contributing to the IRA. Make sure your TSP is actually invested as well, not just in the G fund.On January 1st 2018 when the Blended Retirement System comes out you should do some math to figure out if you should opt-in to that or not, itll reduce your 20 year retirement slightly but youll get a match up to 5 of your TSP contributions. Im not sure if its better or not for those who plan to do 20 years.When you go to extend your contract again you should ask about student loan repayment as an incentive to stay in, you may not get it but it doesnt hurt to ask. The credit card debt you should try to pay off as fast as possible to prevent more interest from accruing on it.Other than that it looks like youre doing pretty good. 