TSP Rule of 55 vs. IRA Withdrawals Unlike IRAs, which usually require account holders to wait until age 59½ for penalty-free withdrawals, the TSP Rule of 55 allows access at 55 under specific conditions. This makes the rule of 55 TSP an incredibly helpful option for federal workers. However, if you roll over your TSP to an IRA before taking distributions, the benefit is lost. Knowin... https://www.federalpensionadvisors.com/post/tsp-rule-of-55