Check that you have earned income and meet Roth IRA income limits
Choose a Roth IRA provider such as a brokerage, bank, or robo-advisor
Open the Roth IRA account
Link your bank account for funding
Decide how much to contribute within the annual limit
Deposit money into the Roth IRA
Select investments such as index funds, ETFs, mutual funds, stocks, or bonds
Review the investment options, fees, and expense ratios
Set up automatic contributions if desired
Rebalance your portfolio periodically
Monitor contribution limits and tax rules each year
Avoid early withdrawals unless you understand the penalties and exceptions