I wanted to get some thoughts on whether or not this is a reasonable thing to do.
I haven't made my 2025 contributions to my mega backdoor Roth (MBDR). I technically have until October 15, 2026 since I'll be filing an extension, but ideally I'd like to fund it sooner rather than later. Based on my 1099 income for 2025, I can probably contribute around $60k to the MBDR (all after-tax dollars).
Because I've been saving for the taxes I currently owe due April 15th, I don't have an extra $60k cash set aside.
HOWEVER, I've noticed that I've contributed ~$60k to my regular taxable brokerage account since January 1, 2026. It's all in VOO (S&P500 index fund).
Would it be reasonable to sell the ~$60k (VOO) that I've contributed this year in my taxable brokerage account to tax loss harvest and then use those funds to contribute to my MBDR (currently all VTI)???
Tax-loss harvesting to generate cash to fund a mega backdoor Roth?
byu/prs2015 inpersonalfinance
Posted by prs2015