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Ryan is with us in Hartford, Connecticut.

Hey, Ryan, welcome to the Ramsey show.

So I have a bit of a problem.

I never thought this was going to happen.

So in 2018, my father passed away, and he left me and my brother a 401k plan.

Fast forward five years.

I got a check in the mail this morning for about $245,000.

The original account balance was about $300,000. The original account balance was about 300,000.

And what's happening is they gave me the check,

and I have to pay the IRS that 55,000 difference from the 300,000 and 245.

I called them and asked them if they could roll it over,

and they said once they issued the check,

there's nothing that can be done.

Who told them to issue the check?

Not me.

They have a five-year plan, I guess, for the death benefit that if it's not rolled over

to something else within five years, they must close the account and just issue a checkout.

It's super confusing. The way they explained it to me, I was on the phone with just issue a checkout. It was super confusing.

The way they explained it to me, I was on the phone with them for an hour and a half this

morning with my 401K company, and they pretty much said once we issue the check,

...