ROTH
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Whenever I try to do this in app there’s never an option to route after tax contributions to my ROTH IRA. It only routes to my brokerage. My plan allows in-service distributions of after-tax contributions too. I just have to call support whenever I need it done.

You would, there’s just an annual cap on your ROTH. But based on your age and financial situation, it probably still does make sense to max that out first. But always take advantage of “free money” like 401K company matches first.

I keep about 3 months of bills in a HYSA and the rest in my ROTH IRA. I always know exactly how much I have contributed over the years which can be withdrawn tax free at any time.

Yea...i only mess with my ROTH IRA for this very reason

How Long Does A ROTH Conversion Take To Settle?

I’d personally buy FBTC and hold it in a ROTH IRA (tax free returns)

Don't withdraw from ROTH, but you can reduce what you are adding to your retirement, and target that money to emergency fund.
If you have a real honest to god emergency, you can withdraw from the ROTH at that time. Would be wasteful to take a penalty on speculation of needing to spend the money later.

Your company match will be traditional. For your portion, go 100% ROTH. At your age, that's A LOT of tax free growth.

There is, put it in a brokerage account and manage it for her if you can. Open a ROTH IRA, and each year max here out until everything is in ROTH. She has a choice of putting this in something safe or moving it to something like a S&P500 fund.
This will basically then become a long-term care account.
Secondarily does she need this money to live on day-to-day or can she continue to live on SS.

Personally, I wouldn't touch the ROTH IRA since you can pull from the principle in an emergency anyway. I would simply keep building up the emergency fund with each paycheck with a cash account, invested in SPAXX or some similar government money market.

You have to separate the IRA/401k part from the underlying investment.
Regarding the qualified (tax deferred) investment vs non-qualified (not tax deferred): There is a limit to how much you can put into 401k and IRA. There is also an income limit on eligibility for ROTH IRA contributions. So if someone has enough income to build a $10-25M net worth, then their available money for savings and investing is higher than they can stash in a 401k/IRA.
Tax advantaged investments have some drawbacks as well... When you want to spend from them, it is a taxable event taking the distributions. And required minimum distributions can be inconvenient from a tax point of view.
From an estate point of view, non-qualified (after tax) assets are much nicer for heirs than money that is still in a qualified tax advantaged platform. Upon inheritance, non-qualified funds are inherited without any tax liability in most cases (the state you are in matters, and there is federal tax on VERY large estates). The tax basis for an inherited investment is set at the value at the time of inheritance. But for inherited IRAs, since the funds were never taxed, they are counted as income as distributions are taken, and all distributions have to be taken within a relatively short number of years. (I forget what that time frame is... 10 maybe?), which can result in high tax bills for the heir.
Finally, there is the fact that tax wise, 401k / IRAs have a big disadvantage in that your earnings are taxed as ordinary income when you take the distribution as opposed to long term capital gains.
ROTH 401ks and ROTH IRAs are relatively new. I'm early in retirement. Most of my career ROTHs were not an option. If you are a young retirement investor who is currently in a relatively low tax bracket right now, ROTHs are the best vehicle in the US for retirement savings now, but again, they are relatively new.
Regarding private funds, REITs and Real Estate, etc vs VOO, VTI, the former are valuable methods to diversify your assets, and they get more useful the more you have in your net worth.

Is my strategy ROTH IRA half sp500 index FXAIX and half top 3 individual stocks good idea? Been good so far along with passive index

Compounding works the same but if you’re in a lower tax bracket and US-based, saving to a ROTH compounds tax free $ whereas any other account compounds $ that will be taxed when you access it.

Needing a little guidance and advice as I set up my Roth IRA and Taxable account.
Wondering if I should do Fidelity Zero in my Roth IRA with them or VTI VXUS and VT in taxable (to not touch it)
Or VTI VXUS in taxable and Fidelity Zero equivalent in ROTH.
Thoughts? I'm 5, explain it to me like I am.

No one is arguing that this is better than a 529. It is most definitely not. It should not be prioritized over personal retirement accounts or 529s.
The excitement is about the account becoming an IRA at age 18 and being able to convert it to ROTH over the course of a few years at a very low tax rate and without triggering kiddie tax.

Would your opinion be different if you could do a ROTH conversion once child turns 18 and chip away at the balance annually until it was fully converted?
Admittedly im not savvy enough to know for sure, but there was a great article about how, if the child has no income at age 18, you could convert to ROTH up to I think the standard tax deduction? Then there is no tax penalty, then the funds are ROTH.

After child is 18 I was under the impression you could do a ROTH conversion depending on their taxable income this could be a workaround no? Is this what you are describing?

I stopped with my ROTH IRA when I decided to stay in the Army instead of get out. In three years I will get 50% of Lieutenant Colonel pay then any disability from three deployments to AFG and getting a Purple Heart. I buy a share of VOO a month then a share of LMT, PLTR, and NVDA. Then I also have 7500 shares of HUMA that are busting my balls right now. The science is great already have FDA approval but slow sales for the first product. Hopefully dialysis approval gets it moving back in the right direction. 

Your tax rate will never be lower in your working life than it is right now. Max out ROTH as much as you can.
Remember you also need to specify the investments in the 401k, not just the contribution amount. Look for the lowest cost index fund that they offer.

As I responded to you elsewhere, I think the real key here is an early super funded ROTH IRA. Early conversion immediately post kiddie tax when taxes are "low." I think there's benefit in even having a super funded traditional, but not nearly as beneficial as the Roth. Again, the purpose of these funds has to be retirement otherwise other options are better (529 - school, UTMA/UGMA - early life money, etc).