You need to talk to a financial planner, not this forum. Deferring the taxes on your retirement (401k, traditional IRA) amplifies your savings power at the beginning but subjects you to taxes later.
If you were to do a Roth IRA conversion now, you would pay the taxes now rather than later. For example, if you think tax rates will rise in 2026 when the Trump tax plan reverts, you would want to do some Roth conversions in 2022-2025, pay the taxes now, then you can withdraw in the future tax-free.
A financial planner may have other ideas, as well.
