<prompt> Human: I am 30 years old, married, spouse is 30. My income is 107,000 and hers is about 30,000. I currently have 72,000 in my TSP, 30,000 in my Roth IRA ad make contributions of 22,000 per year includes employer match. I work for the fed gov and have civil service tenure. If I retire at my planed age 55 I will have a pension of no less than 60,000 year, which is adjusted for inflation, not including the income from the TSP and SS if its still around. I dont know if I will get SS or not as it may not be around, so Im not including it in any calculation. I will have the same federal employee health insurance I have now and at the same cost as if I were not retired.When I use Firecalc, inputting all my information, and assuming 30 years and an desired income of 150,000, there is a success rate of 100. This assumes I continue to max my TSP. My wife and I recently purchased a home and would like to do some upgrades. We have enough cash savings already for emergencies, but it seems as though we may be oversaving for retirement. Is it stupid to use the Roth IRA to remodel the house and limit future retirement savings to the TSP?  <response>: but it seems as though we may be oversaving for retirement.How much money is too much? Are you really the kind of person who has zero interest in helping anyone around you? Why not set yourself up for tremendous financial success and early independence while supporting good causes and people who need a bit of material support to do good things? Is it stupid to use the Roth IRA Yup - you unplug tons of growth potential, which is the core benefit of the Roth IRA. Just save cash and pay for the remodel. 