 is that you now have some additional planning that you can do. I always say to clients, if you're going to be long-term in what is now the 22% bracket, which will change and be higher when the Trump tax cuts go away, you always want to use up that lower bracket in the interim. A lot of people don't know that the long-term capital gains rate for folks in the 12% bracket or lower, including the gain, is zero.