Thank you for the detailed response Nords!
I'm only 24 now, but I'm just want to know all my options for the future. I'm planning to max out both Roth IRAs for my wife and I. By the time I'm 40 and eligible for retirement, that would be about $170,000 in contributions. In case I would need more before I turn 60, this looks like a good option. I found some more info on the TSP website:
https://www.tsp.gov/planparticipation/withdrawals/requestingWithdrawal.shtmlApparently you can make a one time partial transfer, which should be enough.
I do wonder, if they do separate gains from contributions, in which order are they transferred? Do they convert the ratio of total contributions/gains to a percentage? i.e. If 60% of the money in your Roth 401(k) is contributions, (at the time of transfer) then $.60 out of each dollar you convert is considered contibutions? Or do you have to transfer all your gains/contributions one before the other? I would think the answer to this is applicable for all types of Roth 401(k)s
I understand the TSP has the lowest expense ratios, and it does work for my desired AA with my Roth IRA supplimenting it. I don't think I would leave the TSP anytime soon. Although, if I want to avoid the RMD, moving from the Roth TSP to a Roth IRA may be the best option. Again, this decision would be 45 years away for me.
I appreciate your wisdom!