"I would avoid a loan from my 401K at all costs. You pay it back with post-tax dollars so you are taxed on it twice and if you ever leave your company, or worse, get laid off, the balance is due in 60 days or so. I've seen the "taxed twice" claim about 401K loan many times, usually on the websites of big investment companies who have a stake in keeping your 401K accounts to themselves for as long as possible. It's bogus. Anyone who takes out a 401K loan will make monthly payments back into the same 401K, usually for a period of five years. Of course the payments are made with after tax dollars, but the same would be true of paying back any loan except for those tied to a mortgage, such as a HELOC. And once it's paid back, the withdrawals you take out when you finally retire will be taxed at the same rate as they would have been if you had never taken out the loan. You pay interest on the loan at a fixed rate that is set by the plan and usually lower than any rate you could get for an unsecured loan. That means the unpaid loan balance is earning returns at that fixed rate. If you happen to take out the loan at the beginning of a down market, it'll likely be earning at a better rate than the rest of your 401K, and you will actually have a larger 401K balance at the end of the loan than you would have had otherwise. In times of an up market, however, the reverse will be true. The real and best reason not to do it is if you think you might leave your employment, voluntarily or otherwise, before the end of the loan term, because you will have to pay it all back.

Sorry, I think I missed the measurement in your OP. My bad. So.. what do you already have planted in those beds or not? Being able to move those raised beds now or in the fall depends on how much planting in is done already. If you want to walk around them all, your best off making an L configuration. Four boxes across the white fence with walkway around all, and the fifth box making the short of the L where the brown bin currently is. You could also butt them up to make one 20 foot long raised strip with no space between bedsand still pull away from the white fence for walkway on that side. Along the brick wall and chicken wire fence is to set in with natives and maybe a rose or two.

Window treatments - another decision! Are you firmly set on drapes? Seems they’d have to be window sill length not floor length because of radiator under the window. Agree drapes will take floor space if they’re floor length & they also take wall space as need to extend past windows to stack fully off window when open. Have you considered shades of some kind instead of drapes? I cannot suggest type without knowing need for privacy, view from window, framing around window (casement, sill etc). There are so many options for mounting them, inside / outside, ceiling / window top height etc as well as types - Roman shades, cellular shades. Blinds, silhouettes withCordless raise / lower mechanism etc. From your drawing, appears your window is @ 7 feet long so drapes would fill the bit of wall space on either side of window. Just something to think about which might give more furniture options if floor & aerial space drapes would fill is freed up.

what are the dimensions of the wine fridge.I would probably have a smallish one and have it on the end of island so the person stands at the short side of island to open/close ..doesnt have to be in the kitchen main aisle. prime spot but wrong item to place in center like you show. 18 in width full depth trash pullout would be more than adequate....microwave drawer is usually specified at 24 in SHARP brand...leaves room for maybe tray divider or narrow rollout cab with these adjustments. 72 in island .....to the right of sink and anywhere else give yourself stack of drawers not rollouts behind a door