"I do not have the “other resources” to make up the 20% difference "
If the 60-days are up, there are various ways you can qualify for a waiver of the 60-day requirement.
Google it and visit the IRS website for the details.
"Retirement plan administrators, and IRA trustees, custodians and issuers (“IRA trustees”) can now accept late rollover contributions from individuals who self-certify they qualify for a waiver of the 60-day rollover requirement " -- IRS
GIven the current state of the union. it is unlikely you would be audited for any reasonable excuse.
@re4mul8
