My areas are serving Phila U, St Jo's and Drexel med students. ( Manayunk vicinity).

Former football player, still very active, I have a full time job as a med rep.

Take your meds and go see a professional.  

Capital gains taxes don't apply for #1, ordinary income taxes and SS/med.

Best, Dina

You'll pay ordinary income tax along with SS/Med tax on the profits.

I'm trying to avoid analysis paralysis here - but it just comes so damn naturally to me... :D

Plus your investments are fully paid off, as noted above, that doesn't fit with REI, which is about leverage.You might be a Med student who is just starting their Internship, and wants to dedicate themselves to their career.   

It’s taxed as ordinary income, plus ss/med self employment tax....not eligible for a 1031 or cap gains. 

That would be great if you can PM med the name of your insurance person.