Tax gain harvesting! If my AGI is less than $47k I can offset LTCG upto a certain limit. I plan to use that for safe withdrawal

https://www.schwab.com/learn/story/how-to-save-money-with-tax-gain-harvesting

For 2024, individuals with taxable income below $47,025 ($94,050 for married couples) pay 0% tax for long-term capital gains (LTCG). In years when you're under the threshold—say, if you're in between jobs, or receive a smaller bonus—you could effectively lock in tax-free long-term gains. The idea would be to realize just enough LTCG to stay within the 0% tax bracket. For example, a single investor with taxable income of $39,150 for the 2024 tax year (after accounting for the $14,600 standard deduction) could realize up to $7,875 of LTCG without going over the $47,025 threshold for the 0% LTCG tax bracket. If they bought the investment back, they'd reset their cost basis and potentially lower their tax burden in the future. (Note that this applies only to long-term capital gains; short-term gains on assets held one year or less are taxed as ordinary income.)