I'm 5'4" too. If I'm in my seat, my tip-toes hardly touch the ground. That's a good thing. This position makes your legs work most efficiently. When you need to stop, you stand up in the pedals, come off the saddle, then step down on the ground. A trick to get on the bike: turn the wheel sharply in one direction and lean the bike over sideways. Now the top tube is much lower and much easier to swing your leg over. Straddle the bike and straighten it back up. Then put your foot up on a raised pedal, and step down on it to start moving. While you step down on it, stand up on it and place your other foot on the pedal and then sit back on the saddle. Practice starting and stopping in a grassy area if you need to! :)
I've been riding for about a year. I've played with my saddle height, and also its tilt and how far forward it sits. A slight adjustment in any one of these -- even less than a millimeter -- can make a huge difference in comfort. Let a trained person in the store help you out.
Also have them explain the gearing to you. On the rear wheel, the largest gears are the easiest. The smaller ones give you the most speed, but are more difficult to pedal. If you have two or three chain rings (the ones on the pedals), it's opposite: the big ones are more difficult to pedal but will get you going faster, the small ones are easier to pedal. Change the gears in back for small increments (usually those on the right side) and the gears in front for large changes (usually those on the left side). You'll likely change gears as the elevation changes. If you find too much resistance (even a little), shift to make it easier. Going up a hill, you'll could wind up changing gears every, oh, 4-8 rotations of the pedals. Going down, you'll find that it gets too easy to spin. Make it progressively harder until the pedals have some resistance.
Several people have mentioned cadence. Most people feel comfortable somewhere between 70-90 RPMs with some light resistance. On a flat road, find a gear that lets you do 70-90 RPM that "feels good" to you -- neither too much nor too little resistance. (You may have to work up to 70-90 RPM over several weeks.) Going up hill, your RPMs will slow down to maybe 60-70, even down to 50 if it's a big hill. Invest in an inexpensive cadence/speed sensor to show you your cadence.
Good luck, and don't hesitate to ask questions!
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