Check that you have earned income
Verify that your income is within Roth IRA limits
Choose a Roth IRA provider
Compare fees, investment options, and account features
Gather your personal information
Open the Roth IRA account online or by phone
Link your bank account for contributions
Choose your investments
Make your first contribution
Set up automatic contributions if desired
Monitor your account regularly
Keep track of annual contribution limits
File taxes correctly if needed