Moving money from a 401(k) into a Roth IRA after you left a job used to be a Texas two-step: You had to transfer the assets into a traditional IRA first, then convert that to a Roth. Now you can waltz directly into a Roth.
In order to make such a conversion, your annual adjusted gross income has to be $100,000 or less, whether you're single or married. But come 2010, when the income-eligibility limit disappears, that move will get easier, too.
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