Just IRA. 401k cannot be withdrawn without penalty, but once you leave the employer, then you can roll your Roth 401k over into your IRA. However, that does nothing for your liquidity in the short-term.

Okay, then I’m going to assume you have your emergency fund in place also (if not, that is the priority).

With that said, you should focus on getting back on track with your retirement savings & paying off the debt. Stop the extra mortgage payments & extra liquid investments. Make sure you max out your Roth IRA (you can withdraw the contributions tax & penalty free at any, so that will give you both the ability to increase retirement savings & give you liquidity in the most extreme circumstances). Then, compounding interest is working against you with that debt, so that taken care of that next before returning to your 401k.

Is your 401k currently on track to meet your retirement need with your current savings rate?