Doing it the right or not I'm trying

I just turning 57 at the end of the year. I've been at my job for going on 10 years at the end of November. For the last two years, I've earned a salary of $64,877.00 as a Federal Civilian Employee at the VA Hospital, not including on call I am mandated to take at 4.65 an hour for at least 28 hours per pay period (this doesn't go towards my retirement fund called TSP). My vehicle is paid off but I have one large loan $26K due.

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