@lincoln-samuelso , 

(a) what is 

"I have lived abroad a little" 

We need to know your  immigration status   i.e. are you a US person  ( citizen/GreenCard/Resident for Tax Purposes ) ?

How long have you been away from  the US  ?

 Which country are you residing in ?  Are you earning there ?  Are you being taxed there ?

Generally  as a US person  you are subject to FBAR regulations  ( form 114  on line ONLY at www.FinCen.gov ) with a  financial  accounts threshold of  US10,000.  You are also subject to  FATCA  ( form 8938 along with your return ) with a threshold   ( specified  assets , generally semiliquid assets , pension funds etc. ) dependent on  your filing status  and your tax home ( where you are domiciled ).

Please answer my questions and I will come back 

pk