The rules for Roth TSP vs. Roth IRA differ at retirement. Roth TSP enforces required minimum distributions (RMDs) at age 73. Roth IRA allows tax-free growth with no mandatory withdrawals. If you want more flexibility in retirement, Roth IRA is the better choice. https://www.federalpensionadvisors.com/post/roth-tsp-vs-roth-ira