Yes, the retirement account did exist and I was a US citizen and filed during those years. However, the retirement account did not meet the required threshold for form 8938 to be filed with those return. On it's own it still doesn't. Other money came into play in 2022 that triggered my filing an FBAR, but I didn't realize the retirement account also had to be reported on an FBAR or that it had to be factored into the total for 8938 reporting. I believed it to be exempt, until retirement.
Thank you again. As you can see, I'm in way over my head.
