I rolled mine over into a Roth IRA.
Rolled my wife’s 401K into a Roth. Principal wasn’t huge, so paying the tax over three years is no big shakes.
Bought her a 1/2 share unit in an oil/gas well (not particularly speculative; PUD field w/ existing producers). Pulling in a tidy check monthly, tax free; should be good for 8-12 years.
If I croak early, she and the kids will be comfortable.