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In addition, I think I understand that I can contribute $2k to two Roth IRAs, one in my name and one in my spouse's name, even though my spouse has no income. Is this legal?

Yes

Now, when I quit the company I work for I plan to transfer the 401(k) monies into one of the Roth accounts.

Technically, you can't do this. What you do is rollover the 401K to a Traditional IRA, then you can convert that to a Roth IRA, but the end result is the same.

It is my understanding that this transfer does *not* sount toward the $2k yearly I am allowed to contribute.

Correct

Will I have to pay takes on that 401(k) money when the transfer (rollover?) takes place?

When you convert funds from the Traditional IRA to a Roth IRA, they are included as income in the year they are converted. You declare the income and pay any taxes owed when you file your taxes. Of course, if the tax cost is prohibitive, you can choose to convert only a portion of the funds each year, spreading out the tax burden.

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