Combined, my wife and I gross about 60k per year from normal income (net might be 30?) and have about 400K in taxable Betterment accounts in addition to some more in tax-advantaged accounts. Given our relatively low tax rate Betterment advises against turning on TLH. I suspect that the rationale is that while it won't save us a lot now because of the low tax rate, we'll later be selling for a larger gain when we could be paying a higher tax rate. What would you do?
And in case it's relevant, while I don't see our normal taxable income going up dramatically over the years, I do see a year (some years) of higher total earnings around when we FIRE (5 - 10 years) since we'll likely rent for the duration of our careers and then convert some stock/bonds in order to buy a house (while some employees get to live in national parks, retirees don't). Thanks!
Chad
