Just stumbled across this thread... just wanted to say that I opened a Roth IRA and am funding it with Turk earnings. I'm approaching 30 so I figured I should get started.
you can still make contributions for 2014 up until april 15, after that anything will be a 2015 contribution. so I would suggest maxing out the $5500 for 2014 ASAP and then you have all of the rest of the year to max out the 2015 contribution