I know with the Roth there’s no capital gains tax when taking money out, but if I have low income, then I think the gains tax if I sell from an individual account would be low to nothing. On a capital gains tax calculator, it has you list other income that isn’t the capital gain in question, but would that income that is taken into consideration include other capital gains from that year? Any advice would be appreciated. I could max out the Roth contributions, but if I have more to put in than that, should I wait until next year, and leave the money as cash that isn’t growing, or put it in an individual, so that it isn’t sitting there?