Tyler? Yep. Looks like you made $68,675 in income this year? Yep. And $100,000 additional capital gains from the stock market? Yep. Great, we'll take our long-term capital gains tax first. No, you won't. But you owe capital gains tax because you made over $41,675. You might have missed that I maxed out my 401k with $20,500. That still does not bring you under the limit. And I turned 50 this year, so I get an additional $6,500 catch-up contribution to no-cap gains tax. Correct. And you went from the 22% tax bracket to the 12% tax bracket. Happy birthday to me!