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1. The Wash Sale Rule only kicks in for sales in taxable accounts, right?

No. If you sell at a loss in a taxable account and buy back within the wash sale window (30 days before or after the sale date) in a tax deferred account, you lose the ability to deduct the loss.

Basic answer is don't do it.

A loss within a tax deferred account is meaningless for taxes because the taxable amount is determined only for distributions. A "wash sale" can't transfer a tax loss out of a tax deferred account to a taxable account.
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