plus short term capital gains tax isn't 20% for most:
2018 Capital Gains Tax Rates: Breakdown
Single
SINGLE FILERS
Tax bracket Short-term Long-term
Up to $9,525 10% 10% 0%
$9,526 to $38,600 12% 12% 0%
$38,601 to $38,700 12% 12% 15%
$38,701 to $82,500 22% 22% 15%
$82,501 to $157,500 24% 24% 15%
$157,501 to $200,000 32% 32% 15%
$200,001 to $425,800 35% 35% 15%
$425,801 to $500,000 35% 35% 20%
$500,001 and over 37% 37% 20%
That extra 10-20% tax makes a HELL of a difference come April.