<prompt> Human: I invested 10k in a Betterment account in November 2015. 9010 stocks bonds. I was 24 at the time. I also had the Tax Loss Harvesting feature turned on. I have not been happy with the performance of the portfolio and wanted to move it elsewhere. I went to withdraw about 10,400 of it and the site told me they anticipate about 666 of estimated taxes due to the withdrawal. Looking at further details, it listed Long-Term net gains at 2, and short-term net gains at 1300. Can someone please explain:A How my actual portfolio has only 600 in gains yet its listing 1300 in short term net gains?,B How is it possible that I will owe more in taxes than I realized in gains? Last time I checked capital gains taxes were not over 100, and C Is there anything I can do to lower my tax burden and get my money out of Betterment?Thank you so much!  <response>: Okay. Assume that Betterment makes automatic purchases and sales throughout the year to try and maximize profits for you.You start of with Stock A, which doesnt do so hot, and you lose 500 by December. They sell it off because they dont trust the stock anymore and buy Stock B. Stock B does pretty well, and you make back 600 in April.Thats great! You profited 100! Except, the loss and gain were in separate years, and you have to pay taxes on the 600 gain this year, without getting a credit for the loss last year which you should have claimed last year 