Employer 401K Switching From Traditional to Roth Option

I am 25, turning 26 this month
My employer offers a 401k that can be Traditional or Roth, and they do not match. I contribute 10% per paycheck and have it going to the traditional option. The total amount right now is about 10K.

I know should be higher :man_facepalming:t2: but I have a lump sum in high yields saving account that I plan to use for my first home to house hack, hopefully early next year… anyway that is a different conversation.

Although my employer doesn’t match, the fund they offer is pretty good from what I’ve learned here.
It’s VILVX (Vanguard Institutional Target Retirement 2060 Fund)
The expense ratio = .09%
Compiled of 4 funds - US stock, International, bond, and cash.

Can I convert it to the Roth option instead of traditional and what are your thoughts on doing so?

Also thinking about opening a personal Roth outside of my employer and trying to max it out to the 6K limit, feedback from the community, and yourself on best practice is appreciated.

I’ll cover this in tonight’s office hours (11/4/2020) with the recording available afterwards on the course site!

If you’re not signed up for office hours, you can sign up here.