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There's tons of ways to get an address in the U.S. several digitally.

You can transfer money into that account via digital transfer?

OF course your Netherlands employer won't match 401k, they prob don't even know what that is.

Will they match it a 401k if you GIVE UP your citizenship?

Doesn't make sense.

Right, there are retirement/pension investments for Dutch/EU nationals which she is not eligible for because of her status as a US person (in the eyes of the SEC).

So, long story short, she's ineligible for investing as a US national unless she jumps through hoops to maintain a US address and appears to reside in the US. Meanwhile, she's ineligible for investing as a Dutch national because EU brokers won't deal with US nationals. Limbo.

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