Check that you have earned income
Verify your modified adjusted gross 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 in person
Link a bank account for contributions
Decide how much to contribute
Fund the account
Select your investments
Set up automatic contributions if desired
Review contribution limits each year
Monitor and rebalance your investments regularly