....another idea. IF you are sitting on any mutual funds, or stocks with gains, you could sell some now to use the credit and you won't be hit on them later.
A test file I tried (similar to yours, but I really cannot match exactly. Income ~63,000 before adding gains).
10,000 of Short term gain would raise your tax by ~1,600.
10,000 of Long term gain would raise your tax by ~500. (presumably because of the initial lower tax on some of it).
20,000 of Long term gain would raise your tax by ~2,100.
____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*
