The Four Buckets
ORP ($906/mo): Pre-tax retirement plan. Includes state match. SPY-based funds.
457B ($200/mo): Pre-tax — but with the unique ability to withdraw at ANY age after separation from service. No 10% penalty. This is your pre-59½ bridge.
Roth IRA ($583/mo): Post-tax. All growth is tax-free forever. $458 to VTI + $125 to MSFT.
Taxable ($717/mo): Most flexible. Long-term gains taxed favorably. $356 Satellite + $192 Crypto + $169 Active buildup.
The 457B is your early retirement superpower. Most people don't have it. You do. Don't waste it.