I haven’t prepared taxes in years but Roth IRAs are funded with after tax money while 401Ks are pre-tax funded. That means taxes will need to be paid for any money from a 401K to be used to fund a Roth IRA. You can transfer 401Ks to regular IRAs but talk to a tax accountant about the particulars of your case.
As far as the 401K loan goes, I believe you have to pay that money back when you leave the company. If you don’t pay it back, it will be classified as a distribution and subject to tax and penalties depending on your age/situation.
I don’t know much about the other concerns. I pray that you find something soon. My husband has been laid off three times in his near 50 year career. God blessed us in that each time we had exactly what we needed to live and each time he found new work that paid more than the last job. I pray the same thing happens for you.
wife and I have a roth each and fund it each year with money from other accounts, so not an after tax. you are correct, I forgot about a 401K I had years ago had to be rolled over to a traditional IRA.
I have an Edward Jones guy to take care of my stuff, he’s done well by us over the past 16 years.