
Crystallise capital losses without tripping the US wash-sale rule or the UK 30-day bed-and-breakfasting restriction. 2026 figures, the ETF pairs that actually work, when automated services beat DIY, and the ten mistakes that quietly destroy most harvesters’ tax benefit.

Optimize your 401(k) for 2026: contribution limits up to $35,750 for ages 60-63, the mega backdoor Roth at $72,000, the Traditional-versus-Roth call, expense ratios, the new mandatory Roth catch-up for $150K+ earners, plus how to spot a bad plan and what to do at job changes. Built to add six figures to lifetime retirement savings.
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