Federal employees thinking about retirement --and if you're not, you should be -- tend to concentrate on what they can save. When you actually retire, it pays to think about what you spend, or if you want to spend and maximize your Thrift Savings Plan. Federal News Network's Drew Friedman got more insight when she talked to federal retiree and financial consultant Abe Grungold. Learn more about your ad choices. Visit megaphone.fm/adchoices