[konne88]

I completely understand your desire to avoid sales of your long term investments that may have huge capital gains. To deal with that, you can configure us to sell shares in a tax sensitive way, where we will sell shares with a low tax burden first, so if you have a greater inflow into your account than outflow (which would be the case for a SDE DINK), we will usually just sell recently bought shares that haven't accumulated any capital gains, and all the shares with a high tax burden will never be touched.

[vineyardmike]

> we will usually just sell recently bought shares that haven't accumulated any capital gains

There may be an opportunity here for some sort of pattern recognition to keep cash equal to expected inflow/outflow.

Eg. "80% of the days, they make a $10 lunch purchase, and get paid weekly", so keep $40 a week in cash to avoid cash <-> asset conversions at all.