Is This a Roth Conversion Year or a Zero Capital Gains Year?

If you fall into this 0% capital gains rate, it does give you a really interesting opportunity to be able to exit that in this year if you've already utilized all of your capital losses. So make sure if you are in one of those income brackets, you don't do something that would potentially cause you to trip over that and cause your capital gains to become taxable. And then we put this one in here, another one, this is another procrastinators delight, is retirement plans. We want to make sure that you realize those salary deferrals, you can only put those in by 1231.