Yikes this is complicated..
Not really. But it can "get" complicated if one doesn't pay attention to details. There would really be no reason to sell stocks to prove flow of money in your specific scenario. Example:
You put $20,000 of the cash out in stocks in 2020.
From 2020 - 2021 you "save up" $20,000 in your savings account. Then in 2022 you use that $20,000 from savings to put a new roof on your primary residence. You would be on paper "basically" be swapping that $20K in savings, with the $20K in stocks to pay for the new roof.
