Q: I recently took a new job with another company and now have a 401(k) at the old employer worth about $42,000. Normally I would just roll it over to my new employer’s plan. However, my husband is disabled and we would like to add a deck and handicap-accessible entrance to our home as well as some landscaping. We have some savings and can afford to get a bank loan to help with the cost of this project but need the $42,000 to cover the remainder of the costs. We have a mortgage and car payment, no credit card debt and we save about $1,250 each month.