How U.S. Expats Should Use FEIE, FTC, and Roth Accounts For Tax-Free Growth

We break down how FEIE and FTC truly work for expats and show how that single choice drives IRA eligibility, Roth versus traditional value, and long-term taxes. We end by stressing the employer match tax “time bomb” and how to plan around it.• FEIE erases income and often blocks IRA eligibility• FTC records income and enables IRA contributions• Roth 401k as first priority for most expats• Low-tax countries favor FEIE and Roth 401k focus• High-tax countries favor FTC and open Roth IRA options• Backdoor Roth steps and the pro rata rule warning• 2025 401k, IRA, and catch-up limits and strategy• Employer match grows tax-deferred and is taxable laterFor a thorough presentation, you can simply read the article Roth 401(k) and IRA. If you have questions, contact us.Send us Fan MailMoving, Working, and Investing for Americans Abroad