Financial expert Suze Orman is urging Americans not to wait when it comes to opening a Roth IRA. Even if you only have a single dollar to contribute, she says in a recent episode of her "Women & Money" podcast, getting an account started now can save you from future tax headaches. The reason comes down to the "five-year rule," a little-understood rule that determines when your Roth IRA money can truly be withdrawn tax-free. Why Roth IRAs Are So Valuable A Roth IRA is funded with after-tax dollars, meani ...