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PaperclipPerfector  2mo ago (text post)   1989 thread views

Small-Scale Question Sunday for March 1, 2026

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

Culture war topics are accepted, and proposals for a better intro post are appreciated.

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If you have the time, you could also structure it over time to fall within the IRS gift limit: This year they could each give you $19k without federal tax implications. Ask a real professional about capital gains basis changes and state implications, though.

They said that this is what they should have been doing but didn't plan ahead.

Looks like federal capital gains are 15%, and state is 4.75% if I stay under 100k total income and 5% if I stay under 150k. The smartest plan seems to be for me to wait until I need the money but otherwise cash out less than $50k a year.

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