I've always known that my wife of 20 years has had holdings in a mutual fund but I never asked about it. I'm pretty sure it predates our marriage. She's not been coy about it. There's nothing weird going on. She's been a true Boglehead and never even checked the balance until I asked her to do so recently. We both have known about the fund, but we haven't really discussed it because I've been doing fine financially (I work, she does not) and I have been maxing out our respective Roth IRAs every year and even maxing out my SIMPLE IRA during the good years.
Last year was not a good year and this upcoming year isn't looking great either. I'm thinking about selling $14K of the VGT and using that money to max out our respective Roths for 2026. I figure we can pay the taxes on it now and then see that portion grow tax-free or we can sell it later and get hit with the full taxes later. Seems like a no-brainer to me, but I wanted to check with yall. **What do you think?** I'm also thinking of re-allocating all of the remainder to VOO.
Other info: we are in Louisiana, where her money is mine and mine is hers. I wouldn't make these trades without her being 100% on board. The VGT was up 18% in 2025, 29% in 2024, and 52% in 2023 (and down 30% in 2022).