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Been scanning the board unsuccessfully for an answer:

In my regular brokerage account, I sold on December 23 three stocks, realizing (short-term) losses on each one.

In my Roth IRA, I repurchased two positions under the (maybe wrongful) impression that transactions in my retirement account do not affect my taxable transactions.

I also would like to realize losses on the third stock I sold. Unfortunately, I purchase this stock regularly, including December, with every paycheck through my 401K contribution plus my employers match.

It appears that repurchasing within 30 days in your Roth IRA would contradict the spirit of the wash sale rule. However, on the flipside, I cannot take Roth IRA losses and apply it against my taxable positions, which could be viewed as an argument that the retirement accounts may be seen as a seperate "entity". Further, where do you draw the line? Does my 401K contribution affect the amount I can declare as losses in my regular brokerage account?

Any thoughts or IRS references containing clarifications?
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