[Killer Man's Son]

I'm going assume you are not a pro since you mentioned not withdrawing anything. In that case, you have another profession. What I would do is get a NeTeller Debit card and use that for daily expenses (i.e. take out money for lunch, entertainment, etc.). Then, take the money saved which should still be in your bank account from your employer deposit and transfer that to your stock broker.

If ever questioned, just state that you made financial descisions to stop wasting money ('I bring my lunch to work now', 'I don't go out on Friday nights anymore', etc.). No one will know that you haven't changed your lifestyle at all. You are just paying for parts of it from a different source.

Tough to track IMO. Now, if you are talking about pulling out 10K a month, I guess you should just pay the taxes on it.