<prompt> Human: Im active duty duty military, 29 years old and have about 8k after 10 years 4 in the thrift savings plan TSP. Was really looking at going to a Roth IRA or something better but not too up to date on things like that. Im about to PCS, so its not going to be for another two months or so. Currently have E-5 pay, about 20k in credit card debt and 90k in SAHM wifes college debt. I know debt is priority, but whats a better way to invest what Im already investing?  <response>: Paying off that credit card debt is likely to get you better returns than investing.Having said that, TSP has a Roth option. And you may be able to get better returns by adjusting your allocations between G, C, I, S, Lifestyle funds etc. Theres no reason to go looking for other stuff unless youre already maxing your TSP, it has the lowest expense ratios around. 