The Tax-Loss Harvest That Cost a 66-Year-Old Retiree $2,400 in Wash-Sale Penalties She Never Saw Coming

In December 2026 she sold $300,000 of a long-held Vanguard Total Stock Market ETF (NYSEARCA:VTI | VTI Price Prediction) position at a $90,000 loss to offset gains realized earlier in the year.