If you’re still working at the employer, you can’t rollover the 401k.
And there in lies my dilemma. Close to 30 years of saving and very limited options as to what it can be invested in as long as I continue working for current employer. No options to really invest in anything that could be considered reasonably safe should we have another financial crisis or market collapse, and don't feel I can retire now to get my hands on it thinking I may be the only one in the extended family that will be able to keep a job and paycheck should the economy really go into the tank.
I left out the ‘quit your job’ part.