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introverted-traveler1 karma

Hi. I’m an international teacher. As such I don’t pay social security and don’t have a 401k. I’m also not able to continue adding funds to my Roth since that should be post tax income and I pay no income taxes on my overseas income. (I file the proper forms with the IRS every year). What type of retirement investments would you recommend?

Because I have no taxable income my minimum payments on my income based repayment plan for my student loans is zero. Several of my colleagues have decided to not pay their loans counting on the 20 year forgiveness plan. I’m 47 yrs old and owe about $32000.

Help. I really need some advice.