All of my investments are in a Roth 401k, a Roth IRA, and an HSA. My current income puts me in the 22% tax bracket. I am (hopefully) a few years away from retirement.
I'm considering the pros and cons of changing a significant portion of my contributions to my 401k from Roth to traditional from now until I retire. My thinking is - and I'll keep it simple to make an example - if I have $100,000 in the traditional 401k when I retire, I could roll it over to a brokerage account and then do a Roth conversion of $10,000 a year from age 60 to 70 which would put me in the 10% tax bracket (provided I have no other income, delay SS until 70, and the brackets don't change.)
Am I missing anything here? Are there any cons other than missing out on the tax-free growth of the Roth 401k?