I’m so excited to share a new spreadsheet I recently created to estimate tax liability and optimize long-term capital gains (LTCG)! I know this sounds like an odd thing to get excited about—but hear me out. Since retiring earlier this year, early retirement tax planning has become a major focus for us. We have more than a decade before we begin to collect Social Security. And without steady paychecks, we’ll be relying solely on our savings and investments. Of course, we’d li

When I first heard about the zero percent tax bracket for long-term capital gains, I didn’t believe it. Mind you, I’m not talking about Roth IRA withdrawals, which are always tax-free. I’m talking about capital gains from stocks held in a taxable  brokerage account . The IRS not taxing this money sounded too good to be true. But it is true—the IRS really does let some of your investment gains be taxed at zero percent. Long-term capital gains actually have their own set of tax