The best advice I could give you about it is caveat M-Tor. And thank you for your email. Last off we have an email from Casup. Hi Frank, I'm a resident alien in the United States under a work visa and I plan to retire back to my home country which doesn't have a tax treaty with the United States. Is it even worth investing in a tax advantaged account if I'll be taxed anyway in my home country since they don't recognize the special tax treatment of the 401k? Thanks.