I have a strategic question about my upcoming return for 2026. I was laid off last December and have not been able to get a new job this year. By my understanding, there is an opportunity to realize some long term capital gains this year for 0% federal income tax. I just want to make sure I understand the math correctly before I sell anything. Roughly...

IRS income limit for 0% tax (single): $49.4k
Itemized deductions:$28k (this was the same number my CPA used on my return the last 2 years)
Total income limit to get 0% rate: $77.4k

2026 Estimated Income:

Real estate rentals: $10k
Dividends/interest: $15k
Unemployment: $3300
Total taxable income: $28.3k

LTCG I can realize: $49.1k (I'd probably actually try to realize 5-10% less than this to account for variance in my calculations).

Am I understanding this correctly?