The Federal, State & Postal Employees Fix Kit
Built for federal, state and postal employees.
Public pay is set by tables and rules, so the leaks aren't in a negotiated rate. They're in elections you made once and never revisited, step dates nobody checked, service credit left unclaimed, and forgiveness programs never tracked. The federal rules are the ones published below; if you work for a state or local system, use the same steps with your own plan's documents. This kit finds where the money leaks in your own work and gives you the steps and the words to close each one.
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The 6 leaks it covers
2 you can close it · 3 the other side owes it · 1 a pro decides
- Thrift Savings Plan match not fully capturedWhere to look first: Find your TSP contribution rate on your leave and earnings statement.Keep it from coming back: Recheck your contribution at every raise and every new year.You can close it
- Step increase late or missedWhere to look first: Find the effective date of your last step on your SF-50 or personnel record.Keep it from coming back: Put your next step date on your calendar the day each one posts.The other side owes it
- Military time never bought back for retirement creditWhere to look first: If you served in the military, find your DD-214.Keep it from coming back: Start the deposit request early in your career, not at retirement.A pro decides
- Unused sick leave not counted at retirementWhere to look first: Check your sick leave balance on your leave and earnings statement.Keep it from coming back: Check your sick leave balance once a year.You can close it
- Public Service Loan Forgiveness never trackedWhere to look first: List your federal student loans and their type.Keep it from coming back: Certify employment every year, not just at the end.The other side owes it
- Overtime and premium hours missing from the stubWhere to look first: Keep your own record of hours each day: start, end, breaks.Keep it from coming back: Write your hours down daily and check every statement.The other side owes it
Free: one full leak from this kit
No sign-up, no email. Here is leak 1 of 6 exactly as it appears in the kit, so you can see what you get before you buy.
Thrift Savings Plan match not fully captured
You can close it- Find your TSP contribution rate on your leave and earnings statement.
- Under FERS, the agency puts in an automatic 1% and matches the first 3% you contribute dollar for dollar and the next 2% at 50 cents, for up to 5% total (VERIFIED: Federal Pension Advisors).
- If you put in less than 5%, you're getting less match (CALCULATED from the formula above).
- Example: on $60,000 basic pay, full participation brings $3,000 a year in agency money (CALCULATED: 60,000 x 5%).
- Change your election through your agency's system. State and local employees: check your own plan's match the same way.
Your part: Choose your contribution yourself.
Message to your HR or benefits office: Hello, I'd like to confirm my current TSP contribution rate and how to change it. Can you also confirm whether my agency automatic 1% is vested yet? Thank you, [YOUR NAME], [EMPLOYEE ID]
Recheck your contribution at every raise and every new year.
What this kit can't decide for you: This kit doesn't recommend investments or a contribution rate.
That's 1 of 6. The other 5 come the same way in the kit: steps, words to send, a habit to keep each one closed.
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What people in this work look up
When federal, state and postal employees go looking for answers, they search things like “federal employee retirement”, “fers retirement”, “federal pay raise” and “postal worker pay”. Those searches turn up forms, averages and other people's numbers. This kit starts from your own records instead: the 6 places money leaks in this work, where to look first and the words to send to close each one.
What you get for each leak
- Numbered steps to close each leak
- Your part, spelled out
- Words you can use: letters and scripts, ready to send (fill in the brackets)
- A habit that keeps each leak from coming back
- An honest line on what the kit can't decide for you
A page from the kit
Questions people ask
Thrift Savings Plan match not fully captured: where do I start?
Start here: Find your TSP contribution rate on your leave and earnings statement. To keep it from coming back: Recheck your contribution at every raise and every new year.
Step increase late or missed: where do I start?
Start here: Find the effective date of your last step on your SF-50 or personnel record. To keep it from coming back: Put your next step date on your calendar the day each one posts.
Military time never bought back for retirement credit: where do I start?
Start here: If you served in the military, find your DD-214. To keep it from coming back: Start the deposit request early in your career, not at retirement.
What it can't decide for you
This kit works from your own records. It doesn't give legal, tax, licensing or financial advice, and it never tells you what to charge. Where a CPA, attorney, insurer or state board makes the call, the kit says so and gets your records ready for them.
12-page PDF · instant download after payment · Code VYR-KIT-FEDERAL-01
Opens secure checkout. Instant download after payment. 30 days to ask for a refund — refund policy · terms
Next step
- Run your free LeakReceipts check — it reads your own receipts and records and shows where money is leaking out, line by line.
- TrueNET — the whole-picture money truth: what you actually keep after every cost, across everything you earn and spend.
Use Jobber or Housecall Pro? Run the free leak check — it reads your job export in your browser and shows the money leaks the software doesn't flag. Nothing is uploaded.