<prompt> Human: I think Ive read somewhere that you can make a 2014 contribution to a Roth IRA before the April 2015 cutoff IF the actual account was opened prior to January 1, 2015. Im looking for confirmation or denial.If not true, then yay! Im going to open one and contribute for 2014.Thanks  <response>: You can open an Roth IRA account and make a 2014 contribution until 4152015. 