For 2026, a married couple can realize long-term capital gains at a 0% federal rate until taxable income reaches $98,900. A household earning around $85,000 sits well below that line. The room expires on December 31 and does not carry into 2027.
The advice everyone runs in Q4 needs a loser
Tax-loss harvesting is the year-end move you will see everywhere. It requires a position that has lost money. If your brokerage account has been a one-way trip up, you have nothing to harvest.
