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URL:  http://boards.fool.com/ltlti-understand-that-in-two-years-i-could-23648236.aspx

Subject:  Re: Starting a Roth IRA Date:  2/2/2006  12:20 PM
Author:  jmknorthcarolina Number:  49645 of 72496
<<I understand that in two years I could get around that. I just didn't want the fees to eat up any earnings that I had is all. I don't like bank fees.>>

Two years? Try one year.

Thanks for pointing out the limits. My original question was about making monthly contributions. In that case, I wouldn't get to $5,000 until year two.
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