@njurkovi another thing to consider is whether the zero-percent capital gains rate applies to you.
If so and you sell stock you could be wasting the $3 loss carryforward because the gain would be taxed at 0%. (e.g. sell no stock, you get $3k off any income for the loss carry over. but sell, say $20k of stock gain (not proceeds, but proceeds - cost basis) then you have $20k gain - $3k loss carryover = $17k gain. If in the 0% bracket no tax on the $17k. But the $3k for that year doesn't offset other income.
Also a possible tax strategy might be to sell stock to use up some (all?) of the zero percent bracket (if that applies to you) each year while you still have gains. But as soon as you sell the stock, but buy it back the next minute. (Assuming you want to continue to hold that as an investment). That way you pay zero tax but increase your basis. Otherwise if you need the stock at some point and have to sell a lot in one year you might get above the 0% bracket.
For more info see
https://www.nerdwallet.com/article/taxes/capital-gains-tax-rates
https://www.thebalancemoney.com/how-to-use-the-zero-percent-tax-rate-on-capital-gains-2388995
https://www.cnbc.com/2022/10/20/irs-how-much-income-you-can-have-for-0percent-capital-gains-taxes-in...
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
