Hi all, I am living in Germany , hopefully long term. I have an existing Roth IRA in the US and also have student loan debt. My understanding thus far is I have to kind of choose, based on my income/tax exclusion strategy, to have zero loan payments and zero IRA contribution potential OR to declare taxable income (all of my income has been foreign earned last year) to the US, which will restart my loan bills while also allowing me to contribute to my Roth further.
I have been making payments on my loans regardless because I worry about policy change closing the loan "loophole" down the road. So should I just declare income so I can at least do something towards retirement? I cannot really invest via German institutions as a non-German. It is frustrating to be kinda frozen in savings-only.
Any strategy tips?