Can You Really Use Them?

i don't see any reason in what you describe why you should play the 60 day game, or why you should take possession of the funds directly. The key is, it's always simpler just to do a custodian to custodian transfer. But simply direct that money into a cash account, and then you can invest it when you believe that it's the right time to invest. Ok? Well, incidentally, we're closing on a house in mid july, so it is possible that we may, or could, actually use those funds. If that were to be the case, both i think i talked of, both the old retirement and the new onei there's no time limit