@tk01kj something else to consider....because there was the mention of unemployment....
are you a dependent of your parents - if yes AND the unearned income (which would include unemployment plus dividends, interest, capital gains) exceeds $2300, you are subject to "kiddie tax", meaning your tax rate would be the same as your parents.
https://www.schwab.com/learn/story/understanding-kiddie-tax
What is the objective here?
