又去查了一下，說如果拿到錢後在60天內放入Rollover IRA，就不用付稅，但是要在報稅單上報。

• 60-day limit: For a 60-day rollover, you have 60 days from the date you receive the distribution to deposit the funds into another eligible retirement account. If you miss this deadline, the distribution could be considered taxable income, subject to early withdrawal penalties if applicable.
• Reporting requirement: If you complete a 60-day rollover, you need to report it on your tax return. You’ll receive a Form 1099-R from the distributing custodian, indicating the distribution. You’ll need to include this information on your tax return and indicate that you completed a rollover within the 60-day window.