2015 resolutions include a Roth IRA!..If you have not set one up, go to any of the online brokers and establish your Roth IRA.   Make sure and add beneficiaries on the account and set up up your bank routing numbers on the account.  Simple..you'll be able to contribute or withdraw at any time.

There's a contribution limit for IRAs (both Roth and traditional) for each year. For 2014 and 2015, it's $5,500 for most folks and $6,500 for those aged 50 or older.