Roth IRA & Roth TSP for early retirement?

I have a prospective client who could feasibly retire at age 50 (in 8 years). Would it be a viable option to have her funding a Roth IRA and also maxing her TSP Roth with the goal of rolling over the TSP Roth into her Roth IRA at age 50 and pulling out the contributions only from the Roth IRA since contributions can be taken out at any time and aren’t bound by the 5-year rule or age 59 ½? I’m thinking most of what she’ll accumulate in the next 8 years within the Roth TSP and Roth IRA will be from contributions. At age 59 1/2 she’ll have access to her Traditional TSP/IRA funds.



It’s not clear if passing on the deduction for pre tax contributions over the next 8 years will cost her more than having to take taxable distributions after that. The question is what her tax rate is now vrs what it is expected to be after retirement. Very early retirement does not favor after tax Roth contributions unless the client has other income or assets which will produce taxable income after retirement. 



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