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Many federal employees enter retirement expecting a steady and predictable stream of income. After all, the Federal Employees Retirement System (FERS) is built on three distinct sources: a pension, the Thrift Savings Plan (TSP), and Social Security. However, a common surprise for many retirees is that income begins to feel tighter than expected just a few years into retirement. The primary reason for this shortfall is not a lack of benefits, but rather income timing gaps . Th