we cant see your return so look at the Qual Dividend and capital gain worlsheet.
in the tax calculation the LTCG does not come first to see if you're over the thresholds it comes last and taxable social security is taken into account before the capital gains
here's an over-simplified example
1) taxable income (line 15 of 1040) less qualified dividends and long-term capital gains
2) 94050
3) smaller of 1 or 2
4) line 2 less line 3 not less than zero. The QD and LTCG taxed at 0%
5) taxable income less line 2 taxed at 15%
a)lets assume taxable income 100,000 so line1 above 78,000
b) smaller of 1 or 2 is 1 or 78,000
c) 94050-78000 =16050 taxeda t zero
d) 100000-94050 = 5950 taxe at 15%
This example shows that the amount of taxable income affects the portion of QD and LTCG that's taxed. Even though, in this example, it was below 47025 a portion gets taxed
