cashing in 401k? rethinking retirement.

[Curtis Cutler]

Hello all, I'm trying to rethink my retirement plans. I lived in NYC and worked for the city until I was terminated for not taking the covid vaccine. There's a lot more to the story. We had to move to SC. I have a 401k/457 sitting there as stagnant money in NYC. About 90k that will be taxed at 40% if I take it now. If I transfer the money to my current job I cant barrow from it. I also can take out a home equity line of credit on my current home....but I need direction. 

I'm thinking long term rentals will be a good retirement plan. I'm 45 years old.