As indicated by Mike9241, an exception occurs if with that loss you had negative adjusted gross income (AGI) for one or more of those years, then depending on how much to the negative some or all of the loss wouldn't be used. In this situation, you would be allowed to carryforward some or all of the $3,000 for such a year.
The link provided does have a worksheet you can use to be sure of your carryforward. The IRS would have the worksheets for each year.
If you choose, you can begin using TurboTax Live for a review because it's necessary for the 2023 tax return.
@Medicineman
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