In my final divorce settlement it says my husband is to pay me $20,000.00 cash 90 days after I vacated the residence. Why should I have to withdraw t

    You shouldn't.  However, this comes with a big "but."  If the agreement says $20,000, and does not say from his pension" then, most likely, the $20,000 should be the net (final) amount you receive, and he should withdraw enough so that he eats the taxes and penalties , and you get, in hand, $20,000.   However, before you take this answer to the bank, you should have an attorney look over the settlement agreement and/or final judgment.  Then, if you get less than the $20,000, you can ask the judge to decide.   good luck, Cindy Vova Law Office of Cindy S. Vova, P.A. 8551 West Sunrise Blvd., suite 301 Plantation,FL 33322 info@vovalaw.com 954-316-3496