You're always going to pay taxes on 401k, even if you wait. The point is to contribute to it tax free while you're still working and have a high personal income.
You do the Roth ladder when you've going into early retirement - your personal income will be low because you're no longer actively working.
And because taxes are progressive you are minimizing taxes.
You do the Roth ladder when you've going into early retirement - your personal income will be low because you're no longer actively working.
And because taxes are progressive you are minimizing taxes.