I never put much thought into tax situations when it comes to anything other than regular w2 income.
I have a $100K cash account. I have $4K in realized loses. I have about $25K in unrealized gains.
I am having a hard time deciding if I should write off the $3000 max (roll $1K forward) ($3K max allowed, right?) From my w2 income or sell and do a tax harvest for the entire $4K or some amount less than. Although I wouldn't want it cash. I'd just end up buying something else or adjusting risk, which is for another post.
My account is mainly QQQM, Nvidia, VTI and maybe 10K in Tesla.
Our bracket will be the 12% im sure. Last year I also qualified for the Savers Credit. $1500 or more because our income was low enough. Although I'm not sure if it counts after I remove stock losses or not. But if so, if i could do that again - another reason to reduce my taxable income.