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1. My limited understanding is that the wash sale rule applies across all accounts, including IRAs. If you sell a stock at a loss in a non-retirement account and buy within +/- 30 days in an IRA, the wash sale rule applies. If you sell at a loss in an IRA and buy within +/- 30 days in a non-retirement account, I guess technically the wash sale rule applies but as there is no 'tax' loss it is of no consequence.

2. The wash sale rule only applies to losses.

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