The things is I’m new to PTA so I’m somewhat afraid to commit to a 
particular CoA, so I’m trying to come with the best setup right ahead. But 
I guess I just need to start and see how it goes throughout at least 
one/two tax seasons.


I had similar concerns long ago. And this seems to be a general theme that 
comes up over and over with setting up one's accounting system, and it 
makes sense that it does. The beautiful thing about PTA (or the Beancount 
ecosystem at least), is it's extremely easy to make changes to one's 
account structure and even transaction structure at any point. Changing 
account structure permanently is a simple sed command. Doing it temporarily 
on demand can be done via a plugin 
<https://github.com/redstreet/beancount_reds_plugins/tree/main/beancount_reds_plugins/rename_accounts#readme>.
 
More complex transformations of your ledger file can be done via autobean 
<https://autobean-refactor.readthedocs.io/en/latest/getting-started.html>.

What've I've found with all of this is, I don't need to sweat out making an 
optimal decision upfront. Your approach about just starting and trying it 
out will work really well!

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