[TiểuHồLy]

If that 's what her plan then 
-Single: no tax under 250k capital gain
-Couple: under 500k gain, no tax

Let say for couple: sell 800K, gain 500K, 2% for agent (16k of 800k) Then total gain is 500k-16K = 484k <----- No tax
The same above for single, then take 500k-250k-16k=234K <----tax bases on her tax bracket.

20% is applied to 401k for everyone, no matter how old the person is. It bases on tax bracket at that time. So you may take back if it's 13% or pay more if it's 24%

Tax bracket changes all the time, just google for tax bracket to figure out.   That's how I monitor every year to see if I can adjust for AGI to lower tax.

Thanks, brother. Our discussion lightened up my skeptical questions.  

Do you know about bond investments? Would you mind sharing your thoughts so VietBest's guests, members, and I can broaden our knowledge to grow wealthy?

 super duper!