Working on F-1 Stem OPT in the US but Irish Citizen — should I open a Roth IRA?

[macdutton56]

I have STEM OPT until 2025 but after then no guarantee that I will still be permitted to live and work in the US (going for H1B, but did not succeed this past year).

Does anybody have experience with setting up a Roth IRA & then moving back to their home country?

I am worried that if I don't get further status to live and work here, I will just have money in a Roth IRA and not be contributing, as well as either paying a huge tax fee / financial penalty to take it out/move the money.