PT, thanks so much for your comprehensive overview of post-count options. Putting all this information together is a very valuable service for your fellow carriers. The many things you do for us are greatly appreciated.
One possible consideration on taking the "high" option might be if a carrier is close to retirement - the high option MIGHT be used to bump up the "high three" average salary used to compute the FERS retirement annuity.
A possible consideration for TSP participants might be to tweak their TSP contribution in light of their new salary.
A carrier faced with a large CUT in salary MIGHT consider cutting their TSP contribution to help make up for some of their loss. The downside to this, of course, is that they would have less $$ in their TSP at retirement (sort of like most of us do following the recent market meltdown). Because of the USPS match (up to 5%) of the TSP, it's advisable to try to get as much of that match as possible. My "gut feeling" is that the TSP match may not last that much longer - in that case, you're probably better off with a Roth IRA, but as long as the match is there, it's like "free money", so take it if you can.
For a carrier jumping to a HIGHER salary level, if your TSP contribution is a percentage of your salary, be aware that a larger dollar amount will be going into your TSP account. Again, the 5% level is desirable for the full USPS match, but if you are putting in a higher level, you might consider changing your contribution to a DOLLAR amount (perhaps matching your present contribution) so as to get a few more bucks each payday.


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