TLH works best during downturns. Pre-downturn contributions are harvestable. Once you have enough to cover your maximum tax claim ($3000/year) further losses

TLH works best during downturns. Pre-downturn contributions are harvestable. Once you have enough to cover your maximum tax claim ($3000/year) further losses just aren't useful. I generated a lifetime supply of capital losses from like 5 minutes of manual TLH in 2020.