JavaStats Blog
Blog Entries
Short write-ups on data science, programming, and practical personal finance.
Using AI to Optimize Tax Withholding
A practical playbook for using AI, the IRS withholding estimator, paystubs, and investment income estimates to avoid large tax bills or refunds.
A practical look at how small optimizations (like tax-loss harvesting) can extend a retirement runway.
How to decide transfer frequency when your HSA provider charges a fee—balancing friction against time-in-market.