I depend on the 401k I contributed to over decades for my income. Much of it is invested in the US stock market. If I cash it out, I’ll have to pay a significant chunk of it in taxes. If I leave it invested, much of it could be wiped out in a stock market crash, which I see coming. Does anyone here have ideas?

It gets complicated. You might want to contact Charles Schwab for some advice. They have foreign offices/assets.

Like a money-market option? If you can use those within your 401k, there wouldn't be any taxes on an exchange, and you may be more secure against a market downturn.

Thank you! My brain is not working well today on too little sleep and too much stress!

I think I may be doing the same.

offshore accounts?

You can, but you need to be very careful in reporting any foreign account you establish on your Federal tax form. Failure to do so carries heavy penalties.

If you stay here you have to declare off shore stuff or have enough to have pros set up some kind of offshore trust but all that is for multimillionaires.