So back in 2019-2021 I put $2k into crypto and another $2k into a TD Ameritrade stock account. Both investments lost money, crypto was on meme coins and stocks were on Tesla/Apple. Today my coinbase account sits at $600 after selling the shitcoins at a loss and TD Ameritrade at $1400. Terrible investments, I know, but I've since learned about actual, more meaningful investments, so now I do a Roth IRA and HSA. I'd like to send the funds back to my bank account and reinvest into ETFs and maybe a small amount in PMs, though that's more like my investing side-chick right now. Will I pay taxes on funds that were ultimately a loss on my end? And if so, how do I go about filing and paying those taxes? I hate to see the money just sitting there so I want to put it to use again and actually get something out of it, and probably just liquidate the accounts after backing up any statements and info pertaining to them.