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Having a hard time getting a grasp on the tax situation. Would welcome anyone who can help me figure it out.

My accountant says there is no reason to sell any of my losers because I have left overs from last year (carried over $3000 amounts)

What I'm having a hard time understanding, is if my sells minus my losses come out to gains, wouldn't it still be to my advantage to dump more LOSERS now?

Let's say I had a LTCG of $20,000.
STCG of 10,000.
LTCL of - 500.

That would give me $29,500 total income plus I have other income of $3500.00 making a total of $33,000.00.

Or let's say I had LTCG of $80,000.
LTCL of -10,000.
STCL of -40,000.

That would give me a total income of $30,000.

Why wouldn't it be to my advantage to sell a loser. Would I want to sell a LTCL or a STCL?

These are NOT my real figures, just round numbers to help me get a grasp. I've read all the articles in the tax section and my mind is going around in circles.

Thanks for any help,
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