<prompt> Human: Im an american based in Norway, currently working for a Norwegian employer and doing some remote consulting on the side for US companies. Since Im living in Norway, all my income gets taxed by Norway and Im not able to take advantage of a Roth or SEP IRA since none of my income gets taxed by the IRS I earn just under the foreign exclusion limit.I have quite a bit of savings but am starting a bit late in terms of creating retirement investments. As in, Im in my early 30s and have none. Although Norway will give me a reasonable pension when I retire, it might be nice to have a little extra. Private pension accounts are taxed quite heavily here.Is there a workaround for this issue? Some sort of legal backdoor that allows me to contribute to an IRA401k of some kind? I looked into tax-exempt options like muni bond funds as a go-it-alone alternative, but I dont understand that market so well.  <response>: I am in a similar situation, based in the Netherlands, so I am curious about the EU angle of this too. 