text:  The TSP is actually, you know, while we typically don't know the fees inside a 401K, the TSP actually is probably the cheapest place to actually hold your funds. You get the least amount of service because you can't pick up the phone and talk to anybody. They don't do that. And to get money out, it's just a nightmare to process stuff. It takes weeks and months. It's just insane dealing with OPM to process it. But to me, the real difference is the mindset of the individual making the investments, right?