I wanted to re-emphasize an issue that is frequently overlooked.
Remember you generally cannot access 100% of the funds in your qualified retirement plan account ( 401(k), 403(b), 457, 401(a) ) if you have not separated from your current employer. While the law allows for those “inservice distributions” most plans are designed without that feature as a way to reduce administrative costs.
You may have the opportunity to borrow from your 401(k); up to $50,000 or 50% of its value whichever is the lesser, provided your current employer’s plan has this provision (The Entrepreneur Retirement Plan of America has this provision available).
Retirement plan loans typically must be paid in no more than 60 months with payments no less frequently than than quarterly principal + interest. The loan must be paid in full prior to rolling it over to another qualified plan or the outstanding amount will be deemed to be a taxable event thus taxes and penalties would result.