Turn tax gains into tax-free wins: Instead of selling losers to cut taxes, smart investors sell winners when income is low—like early retirement or job loss—to lock in gains at the 0% federal rate. Buy the same asset back immediately to reset your cost basis, shrinking future taxable gains. Perfect for retirees before Social Security kicks in, and even being automated for kids’ accounts. Just remember: states still tax capital gains, so consult a pro before you move.
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