Using my brokerage to fund Roth 401(k) contributions. is this a smart or a flawed strategy?

I just got a raise from $165K to $195K. Previously, I was contributing 15% to a traditional 401k. After the raise, I switched to contributing 16% to a Roth 401k. My employer matches 12%, which still goes into the traditional side.

I understand that switching to Roth means I’ll take a bigger tax hit now, but I’m okay with that—it’s either now or later. The issue is cash flow: I don’t expect my take-home pay to fully cover my lifestyle and bills, so I plan to draw ~$1,500/month from my brokerage account to bridge the gap.

• Brokerage : $175K (SGOV)
• 401k Traditional: $425K
• IRA: $1.2M
• HSA: $35K
• Social Security: Planning to start at 62
• Mortgage: $4K/month, $550K balance, 29 years left (I expect to always carry a mortgage)

I’m risk-averse with my brokerage account (currently all in SGOV) and hesitant to invest in anything even mildly volatile. Instead, I’d rather maximize Roth contributions (~$30K/year) while using the brokerage to support my lifestyle.

I’m aiming to retire around age 61, assuming a decent rate of return, I estimate I’ll have around $2.6M by then. I’ll adjust my retirement age if needed to ensure I have enough. I'm guessing I will have about $150k in my roth 401k at retirement age.

questions:

• Am I off base using my brokerage account to support aggressive Roth contributions?
• Should I stick with traditional 401k to reduce taxes now and preserve cash flow?
• Should I scale back contributions to just the match and enjoy more lifestyle flexibility today?
• I’m not currently planning any Roth conversions, should I be?
• what am I missing? 🙂