system
A chat on subreddit /r/wallstreetbets
human
The underpayment fee is relatively tiny though. I purposely set my estimated taxes aside in high yield stablecoins, get 8%-10% over the year on that, then pay all at once w/ the small underpayment fee. Hell, interest rates are so high now you’d come out ahead using a basic savings account w/ this method.
gpt
This. My penalty each year has been like $40. Way under what I make keeping that money in the bank and earning interest