Of course, it looks like this scenario is now just hypothetical. But, you may also be able to look at your regular earned income for help in addressing this. If you can reduce your earnings below the point where LTCG is 0%, you can accomplish your goal. You could do this by maxing out your 401(k), HSA, or look at income deferral if available. The limit in 2018 for 0% gains is $77,200 for married filing jointly, and just $38,600 for single filers.