You are over thinking it.NW checked back in July was approx 900k.
Debt 180k mortgage. 22k car loan.(Someone hit my 05 Corolla with 213k miles this summer and we had to buy a newish used car)
)Ask yourself if you had a paid off house then would you take out a HELOC, new credit cards, or whatever just to invest the money.
Just pay cash for it.
Here is how I would guess at some of your numbers.
If you need to pay some long term capital gains tax and only pay 15% federal taxes on it on it then that is taxes that you pay sooner or later so while it will sting to pay the taxes there is likely now way that you can avoid eventually paying them.
The taxes may not be all that bad either. If you sell $50K of your investments you might have something like $20K in federal long term capital gains taxed at 15% would only be $3,000.
You might have some state taxes too but if you muck about HELOC or other loans then you could pay more in interest over a few years.
With no HELOC you can then invest the "payment" amount each month since you would have better cash flow.
Also pay off the car unless it you have some special low interest car loan.
You can sell some in 2025 and more in 2026 to spread any taxes over two tax years.
Statistics: Posted by Watty — Thu Oct 16, 2025 7:22 pm — Replies 24 — Views 2191