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I'm thinking that it makes sense for me to make the most of my carryover losses now by piling up short term gains if I can

I think it really doesn't matter. Invest to make your gains in whatever way you are comfortable doing that. Then let the taxes fall where they will.


what is it Phil always says, "Don't let the Tax Twinkie eat the Investment Steak"?

(kind of wondering how collecting SS would cause such a bump in marginal rate)
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