【求助】2022年从 IRA（Individual Retirement Acct）账户取了九千块，可以避免罚款？

.--现在在报2022年的税。 2022年从IRA账户取了九千块，有什么办法避免罚款？


尝试了 Qualified Disaster Distribution，这个好像不能免除罚款，显示还是要扣税罚款 " You reported $9000 as a Qualified 2022 Disaster. Due to tax relief for victims of disaster, you only have to pay tax on 1/3 of that amount ($3,000) on this years return, minus any repayments you made, with the rest reported over the next two years "


有什么办法不用罚款吗？ 如果必须要交罚款， 直接选择一次性交九千块的10%, 还是先选择交这三千块的10%？