[header] How to withdraw roth ira contributions [title] Open a roth ira. [step] You can open a roth ira at any point in your life. To be a roth ira, the account must be designated with the word " roth. 
" to open one, contact a number of brokers or financial advisers and ask about your options. Look for roth iras that do not include any opening fees or maintenance fees.