Last night I actually sat down and opened up a Roth IRA through Vanguard. It was super easy. I haven't bought any shares yet as the funds that I would like to participate in all have $3,000 minimums. I transferred over $1,600. I only have about 2 weeks to get the remaining $3,900 into the Roth for 2015. I really just want to get the $5,500 into it for 2015. Then I can work on getting the $5,500 for 2016 over the course of the next year. I would love to end 2017 with $16,500 for retirement. It would really make me feel like I am getting caught up on all of the years I missed out on saving for retirement.
Anyways, maybe I will take the money out of my emergency fund and then replace it over the next few months. I hate to take money of out my emergency fund, but I don't know any other way to make the numbers work.