Comment by andrenader

OP here. Married Filing Jointly has nearly 90k of long term capital gains in the 0% tax bracket. Most the "income" coming from qualified dividends, long term capital gains, and importantly the original cost basis of the investments you sold. This is all before more complicated withdraw strategies. So the taxation at that level ends up being smaller than you think. I need to make a longer post going into all the details explaining it all.