Tax-Gain Harvesting: Locking In the 0% Capital Gains Rate

Tax gains harvesting is intentionally realizing investment gains in a year when your tax rate is low, even zero. In this episode, Ryan explains who this applies to: couples below a certain taxable-income threshold can pay 0% on long-term capital gains. Selling appreciated positions now at 0% avoids paying 15% or more on those same gains in a higher-income future year.Ryan frames this as the less-discussed mirror image of tax loss harvesting. Instead of selling losers to offset gains, you proactively realize gains to fill a low-rate tax bracket on purpose. It is a strategy most relevant in early retirement or during a gap year between jobs. This covers general concepts; your CPA can help determine whether a gains harvest fits your specific income and tax situation.Find "Your Fiscal Physical" the book on AmazonIf you have suggestions or feedback, please email us at: [email protected], as always, Stay the Course!