text:  Here's what happens. They retire and they're supposed to get their first retirement check on January, let's say February 1st. And it's usually about 70% to 80% of what the actual number is going to be because those guys on the abacuses are still working the numbers, right? But much of the point, your question about the TSP versus the 401k. So in the big picture, yeah, they're conceptually the same idea, right? The TSP is a federal government's version of a 401k.