Those are great points. I feel really behind on understanding investments, taxable and non-taxable etc. I have a number of investments in Edward Jones (I know....) and I am really frustrated by EJ. Trying to get everything out of there. My EJ taxable accounts have the money in CWGIX and crap like that and I am just starting to understand tax efficient/inefficient mutual funds. Based on my research, CWGIX is not tax efficient and shouldn't be in a taxable account (after getting walloped by a big CG hit from this account last year).

So, I am trying to figure out how to get all of this money out of EJ and at the same time make it more tax efficient. I was planning to do 1) move it to Vanguard 2) sell the American funds junk and put into VTI, etc. I was thinking that getting it out of taxable accounts would also help. Maybe I am over-thinking but based on my last CG tax impact from my taxable account, I think that is going to seriously cut into my growth.

So, ultimately I am less concerned about the 22k and more concerned about reducing what is in my taxable account.

FYI, I am about 10 years away from retirement - hopefully.