The FIRE Tax-Loss Harvesting Opportunity Most Plans Overlook

Lucas and Luna dive into a specific FIRE blind spot: why most early retirees stop tax-loss harvesting after they leave their high-earning years, leaving thousands in usable capital losses on the table. Using a concrete example — a FIRE couple with a $1.2 million portfolio who sold a rental property in 2024 — they walk through how unused capital losses can offset future capital gains from Roth conversions, rebalancing, or rental property sales years later. They also discuss a 2025 IRS ruling that expanded carryforward flexibility for non-working spouses. No vague theory, just a tactical gap in how most FIRE spreadsheets model tax efficiency. #FIRE #TaxLossHarvesting #EarlyRetirement #CapitalLosses #RothConversion #PortfolioTaxStrategy #PassiveIncome #FinancialIndependence #RetireEarly #TaxPlanning #IRS #CapitalGains #RentalProperty #FIREPodcast #FexingoBusiness #BusinessPodcast #PersonalFinance #WealthManagement Keep every episode free: buymeacoffee.com/fexingo