I'm having a bit of trouble fully understanding wash sale rules as it relates to tax loss harvesting, especially the 30 days back part.
On March 28, my Roth IRA got dividends from SCHD and purchased shares using the dividend payment.
In my taxable, I have DRIP turned off for SCHD and the last shares I bought were from December 2024. If I choose to sell my taxable shares of SCHD to tax loss harvest, will I trigger a wash sale since my Roth IRA had purchased shares via DRIP since it bought shares (03/28) 30 days before my intended sell date in my taxable (4/24). I don't intend to buy any more shares of SCHD except what comes as DRIP in my Roth IRA which shouldn't be til end of Q2.
The examples I found on Google don't match my situation and the more I read, the more confused I get. Thank you in advance!