Broken contract


Q: I’m 51 and have 27 years of postal service. If they pass a layoff or RIF, they broke the contract for me to save for my future. I would be retired in there eyes, why not let me have my TSP to pay off my home loan. I also have debt I would like to pay off. It’s not right to lay someone off before their time, then penalize them for drawing their money out.

A: Ask your elected representatives why they won’t change the law.


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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

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