Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Tax-Harvest Gains in Early Retirement
In early retirement, your taxable account can become a powerful tool for locking in zero-percent capital gains. Lucas and Luna walk through the mechanics of tax-gain harvesting — selling shares with gains and immediately repurchasing them to reset the cost basis without triggering tax, as long as your total income stays under the 0 percent long-term capital gains bracket ($47,025 single, $94,050 married filing jointly in 2026). They use a concrete example: a couple with $50,000 in spending, a $20,000 Roth conversion, and a taxable account with $200,000 in unrealized gains. By harvesting…
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