A net operating loss can be carried forward indefinitely--they can no longer be carried back--but such losses are limited to 80% of taxable income. Whatever remains after deducting the NOL in 2023, just carries over to the next year and so on until exhausted.
Regarding converting your 403(b) to a Roth IRA, we don't know without a full review of your financial records whether that would be prudent. If the amount converted were contributed pre-tax then upon conversion such funds would represent taxable funds. The withdrawn funds may also be subject to early withdrawal penalties.
@taldrknsom
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