For over ten years, Thrift Savings Plan members have not seen a correction of 20% or more. Recent events have led people to wonder if a major correction of 20%-30% is close at hand, and what they should do before it hits. A certified financial planner says the first step is to look at the positive and negative trends with each fund. Clues, such as consumer spending, increasing debts, inflation, and bond prices can give hints as to what will happen next. However, the financial planner says that the current economic outlook remains unsure but is overdue for a drop of at least 20%.