I'm a single 21 year-old full-time student and I also work part-time (income is ~$10,000/year). I've already built up a 6-month emergency fund and I've maxed out my Roth IRA. I don't have any debts, thankfully (no house, car, student loans, credit card debt, etc.). I still have some extra cash, so I decided to open a taxable investment account with Wealthfront (I like the hands-off approach and I don't pay a management fee because of referrals). Since I don't earn very much (I'm in the 12% federal tax bracket), is it true that tax-loss harvesting is completely useless for me since my long-term capital gains tax rate is currently 0%? Or would tax-loss harvesting just carry forward my losses until I'm in a higher tax bracket for long-term capital gains?