Retirement tax questions

Are you saying that you have a Schedule D capital loss carryover from 2018 that will carry to 2019?  As dmertz said, first the capital loss carry over is applies to any new Schedule D gains and any reaming carryover will offset up to $3,000 of ordinary income.   Any remaining capital loss will carry to 2020.

(You do know that you must report and use the $3,000 ordinary income capital loss reduction every year after the capital loss occurred without skipping a year, don't you? - assuming that you had a tax liability each year to offset.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**