Thanks for the suggestion. Don't have non-Roth accounts, but the down year is helping to avoid capital gains tax on my home that I sold this year for a modest gain. Had the house long enough for long-term characterization, but did not meet the 2 year holding period for zero tax (house sold much quicker than I expected and for more than I was asking, and buyer could not extend closing outside my two-year period), but capital gains plus ordinary income still not going to reach the first long-term taxable capital gains bracket because of deductions against ordinary income. Only tax should be some modest self employment tax. Thanks for all of the help everybody.
