Use the tax loopholes like borrowing instead of selling in brokerage and crypto to a safe extent for your situation. Be self employed and you can basically ask yourself what do I need my income to be to result in the best tax outcome. Also in Puerto Rico you pay no capital gains tax I believe and since I can work from anywhere I will be working from there 184 days so I can maintain residency in NY and Puerto Rico saving taxes on capital gains as I will only work in Puerto Rico. Still need to research further but will be looking at it heavily.