I started mine during P days, and have put 10% in since. You really should start as soon as possible. The longer you wait, the less return you will have. That return is money you get for doing nothing but sacrifice a few bucks a month. You won't miss that 10 or 15% at all, trust me. I forget I even have my TSP until something reminds me about it.
You should also put aside as much as you can spare into your savings account. That helps when you need a large sum for unscheduled purchases, like replacing a broken phone, vehicle purchases, plane tickets, that sort of thing. That there, you will feel a lot more than the TSP contributions, but it's worth it when things pop up you didn't expect. Saved my bacon on more than one occasion.
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