If this forum can forgive what is certainly a market-timing post . . . is it a crazy time to sell a little bit of VTSAX for a bit of liquidity?
My taxable brokerage account, which is almost all VTSAX, is currently valued at about $372,000. When the market tanked in March, I swept the fat in my checking account into that account. Now, the pandemic has caused my salary to decrease 20% and my rent to increase 100% (roommate moved out, and I don't want another one until we've got a vaccine). I should be able to cash flow this fine, absent a layoff. But, it would be nice to have a little bit more of a cash cushion in case of job loss, at a time when I could realize some pretty impressive gains. I'm not thinking about anything enormous - maybe just $5-7k.
I know I'll have to pay capital gains taxes on whatever I sell. Anything else obvious I'm missing?
For what it's worth, I am more or less coast FIRE with my tax-advantaged accounts alone (i.e., if I leave them alone until I am 65 I will more than have enough to retire at the traditional age, even if I never contribute another penny. I am 30 now, and will continue to max out my 401(k).)