Need Advice on Roth IRA Contributions While Living Abroad

Hey everyone,

I hope this is the right place to ask this! I’m a U.S. citizen currently living and working abroad, but I still want to contribute the max to my Roth IRA each year. Since I don’t have U.S. earned income, I’m facing a $420 penalty for my contribution this year.

I plan to move back to the U.S. in 4-6 years, so I’m wondering, should I just accept the penalty each year, or is there a better way to structure things? It feels like a lot upfront, but long-term, I assume I’d make it back and then some.

Has anyone been in a similar situation? Any tips, strategies, or advice would be greatly appreciated. Thanks in advance!