又去查了一下，说如果拿到钱后在60天内放入Rollover IRA，就不用付税，但是要在报税单上报。

• 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.