this is the so-called back door 401(k). it’s a mistake to contribute to that.
Note, I think that maxing out your pre-tax retirement savings first is a good idea because it manages risk well; when you go to withdraw, you pay taxes based on how much you withdraw; If you are rich when you retire, you'll pay a lot of taxes, but that isn't exactly a disaster. If you don't have enough to withdraw a lot, you won't pay a lot of taxes on the other end as-is, and you will have put more in on the other side, so you are net better off. So overall, I agree that pre-tax contributions should be maxed out first, but after that? if you have the opportunity to add another 26K/yr to a roth IRA, and you are making the kind of money where you can swing it, it's probably a good idea.
(Note, I'm no expert. I'd be interested to hear why you think that saving in post-tax accounts is better than saving in roth IRA accounts, if that's what you are suggesting.)
it does not.
https://www.physicianonfire.com/value-of-backdoor-roth/
> believe possibly) stronger bankruptcy protections
true, but at the significant cost of losing the ability to do tax loss harvesting on the (presumably) large amount you are investing through the back door. plus the withdrawals are taxed (regular Roth are bit but backdoor is).