Same here. I'm only putting in a couple hundred a month right now so 2 x 7 x 12 = $168 and that would eat up much of the returns. I buy and hold dividend paying ETFs. I am not on gold and they gave me instant deposit. I think they give it to you after a while once it becomes obvious you aren't a fraudulent player. I'd like to move to IB given the significantly lower margin % but the fees would kill me. Robinhoods margin is 6%.