<prompt> Human: I left my employer in 2014 and I have a 25 matched 401k but I was only 20 vested. It rolled over into an IRA in november of 2015. When it rolled over they took back 80 or what they matched. Now I received a 1099 for for the rollover amount. I never touched it after the rollover. I just havent had time after having a kid and buying a house. Its been 73 days since the rollover and you have 60 to put it into a qualified fund before you have to pay the penalty.Can I avoid these fees and taxes by putting it in a qualified fund now or withdrawing it and saying I used it to buy the house? What are my options here to not lose 40 of this 401k?  <response>: Whats in Box 7 of your 1099-R?Did you do a trustee-to-trustee rollover or did it go through you?Where is the money now? 