your carry over is 77,000 if you had an 80,000 loss in 2018.
your carryover for 2020 will be 74,000 after you take the $3,000 max deduction for a capital loss.
If your tax is zero, your carryover won't be reduced.
That is unusual.
If you had a choice, it wouldn't be automatic.
TurboTax does the arithmetic for you.
