Spoke with a USAA rep and they convinced me to open up a Roth IRA with them for $20. I figured I won't miss $20/month and this is going towards my future retirement income. Now the rep goes on and tells me that the TSP is not a good thing, and that I should stop contributing into the TSP. Instead I should roll the TSP over to my Roth IRA @ USAA...and continue to contribute my wimpy 5% a month into the IRA. Is this something I should even consider? All I know about my TSP is that it is divided up evenly between some sort of L fund, S fund, and I fund. I don't know anymore than that because I can't view my account online (waiting on the password to come in the mail). Anyone have any advice?