And take advantage of every way to reduce expenses. ...The price of cars and trucks is skyrocketing, because car manufacturers are losing money on EVs and raising prices on gas and diesel powered vehicles to make up the difference.

No, life insurance in all forms is an incredibly stupid vehicle to put money in. 

I have pre-qualifications questions but they revolve around number of occupants, household income, vehicles, pets.

A South Korean company that supplies Tesla is inching closer to a transformative project - codenamed "Project Motion Forward" south of Austin that could make the company Buda's largest private-sector employer.Futronic's potential project is part of the continued "Tesla effect," referring to how electric vehicle suppliers have flocked to the region in response to Tesla's mammoth presence in eastern Travis County where the Elon Musk-led company has a huge factory and headquarters.

Beneficiary would receive current balance at time of death IAW Roth IRA rules.All sounds good but I’m not familiar with Athene’s possibly non stock investment vehicles.  

You can increase your net worth by investing in assets that appreciate instead of spending your money on vacations, expensive vehicles, designer clothes, and other luxuries.Cut unnecessary expenses: Many people spend more than they realize on daily expenses like eating out, buying coffee and snacks, unused subscriptions, and other things.

Do they pay for vacation pay, medical insurance, workers comp, payroll taxes, PTO & holidays, ongoing training, trucks & commercial vehicle insurance, liability insurance, admins, marketing, SEO, liability insurance, bonding fees, licensing fees?

Should I open a separate HYSA or similar vehicle to park additional cash reserves and or taxes set aside from prior projects?

There's not much to build with these properties.One metal building for lessees to repair their vehicles. 

So you are just choosing one retirement vehicle over another.You can also consider rolling the 401K into your new employer and take out a 401K loan if your employer offers the option.You would normally be eligible to take a loan of the lessor of $50,000 or 50% of your vested balance which would be $4,500.Best of luck