It is shame that more people are not using this benefit. I am new to the gov and based on 5% I calculate that my tsp will be worth somewhere between 8k and 10k at the end of year 2. If you keep this plan up it would be easy for someone who can devote 5% consistantly to get to the millionare level especially if you can earn at least 10% return each year. The key to success I have always taught is goal is double digit return long term. There will be years where you may get 18% and there will be years when you get 5%. The key is long term.