<prompt> Human: That title may sound grim, and perhaps it is, but my wife and I both have good jobs with some disposable income, so we really just need a plan. We are Americans living in the Netherlands. We bought an apartment here, because no money down was required and we wanted to build equity instead of throwing our money away on rent. We mostly subsist on the money from my job alone, and her income goes to savings. I pay the mortgage.Student debt: My wife currently has 153,000 in federal student debt, which is being paid back on an Income-Based Repayment IBR plan. Because were out of the country and we pay taxes in the Netherlands, her income is considered 0 by the IRS, and her IBR currently requires 0 in monthly payments. We file taxes separately. Nevertheless, we have been making voluntary payments to her loans to try to keep the interest from going out of control and chip away at it. This year we managed to make two payments of 10k and 14k. Most of her loans are at about 7 to 8. In the year 2030, if she still has a balance, her remaining balance is supposed to be forgiven.RetirementSavings: We really have no retirement plans, and this is where I worry. Were both in our 40s, so we need to invest ASAP. We have about 30k in a savings account, which is our emergency fund and the account that we use for her loan payments. I have 50,000 in a 401k in the US from an old job. We pay into a Dutch pension too, but we dont plan to retire here. I think it would only give us a tiny amount like 800 a month when were 65 years old, and Im not even 100 sure if Ill ever be able to collect it if we move back to the US in a few years. I was thinking we should open an IRA or something, but then again she has that massive amount of debt...So what should we be doing with our extra income? Pay as much as possible towards her student loans? Or should we save for retirement, pay the minimal amount on the loans and let them grow gigantic, and just bank on them being forgiven in 2030?We really need some advice and some financial coaching, but our situation is unique and I dont know who to go to.PS, if we ever move back to the US and worked, we could probably make significantly more money and could start putting into a 401k again, but we would also have to rent again because we probably couldnt qualify for a mortgage, and her loan payment requirements would increase once she got a new job, so Im not sure how much we could actually save... Thanks again  <response>: Get your Dutch citizenship, bail on the loans ... just kidding. I dont have much to offer in the way of expertise in this area. I am an also an American who lived in the Netherlands for 6 years. Would love to hear about your experiences over there. I have missed it since we left. 