Hi Steve,
So many modelers, so many methods... Which Indycar kit are you doing, btw? I am busy with Sam Hornish's '02 Panther ride in 43rd.
On to your questions. Now first off, I don't stick to this myself allways - and test everything!
What I tend to do is to clearcoat before decalling. Once properly dried, maybe smooth it out a little, I dont wax at this stage. Then decal. Then wait. Then wait some more. You want the decals and the softener to be properly dried out. Which is why I tend not to follow the instructions all that much and build the body in parrallel to the rest. Then wash the thing with clean water to get rid of excess glue and solvents. Let it dry properly. Then I clearcoat again (at times). But please, if you do clearcoat over decals, first test and do not apply a heavy first coat. Esp if using TS13. This is then the final layer which you can wax, otherwise waxing over decals have not thusfar caused me issues.
Good luck and enjoy! And welcome to this side of the modelling world!