Agree to disagree?  

I respectfully disagree.  

Had you remained single, the limit is $75,000, not $150,000, so this issue scales whether you're married or not.I disagree.  

I might disagree with him on the Excel part though.  

Every other investor I talk to on this topic disagree that that I can do this without causing major issues (though none are CPA's or Lawyers) I suppose as long as I have CPA's on my side I can feel a little more comfortable about the process.Let's say I deposit $20K but then decide to pull out $30K due to cashflow that has accumulated over several months.  

I completely disagree.

I'll have to disagree: a human can a.) only deal with a small number of data points and b.) only fathom very simple relationships between them (at least when it comes to the numbers).An algorithm, on the other hand can learn complicated mathematical relationships (also nonlinear ones that are especially hard for humans to deal with) between all the variables and the price, can do so unbiased (theoretically), and take into account an enormous number of data points.

@Mark Fries so I'm clearly biased here but I have to disagree.

Maybe not  but it certainly is not a ringing endorsement of the company LOL... if you just look at the ACTUAL REAL investors that pop on here and have had nightmare scenarios how anyone can sweep this under the rug and think its all groovy  well    I don't disagree and I wasn't trying to minimize it. 

Every study however disagrees.