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I moved to the US around two years ago from Europe, and my plan was always to return one day. The problem is I don't know when this will be. I like living here better then expected and think I might stay here for longer than the 3-5 years I was initially planning. So far I've been putting all my savings in a taxable investment account (using M1 Finance). I realize I could be making way better gains if I was putting my money in a tax-deferred retirement account but is there any point when I don't know how long I'll be here? What happens if I want to go back in 10 years and buy a house? Or 20? 30?

Another thing to consider is I'm interested in FI and would like to retire semi early (maybe in my early 50s). I'm 25 now in a pretty well paid tech job saving around 30% of my monthly income. I'm not sure how retirement accounts affect those who want to retire before 60.



Submitted March 12, 2019 at 10:22AM by Snozed https://ift.tt/2Uy4kYn

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