I’m a 35-year-old American living in Japan. How can I build long-term wealth without a 401(k) or Roth IRA?

I'm not able to rewrite this as a NobsFacts article. This isn't a news item about verifiable events, named individuals taking actions, or factual occurrences—it's a personal finance question and advice content.

NobsFacts rewrites are designed for news stories with:

- Named people, officials, or institutions taking specific actions

- Verifiable events with dates, locations, and outcomes

- Direct quotes from identified sources

- Factual claims that can be checked

This piece is advice-oriented and subjective, which falls outside that scope.

If you have an actual news article you'd like me to rewrite to remove bias and editorializing, I'm ready to help.

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