- set_savings_goal: with_current_balance + includes(savings_contributions: :account, linked_accounts: []) so contributions / accounts / current balance don't re-query inside helpers and view partials
- SavingsGoal#status + #average_monthly_contribution: defined?(@ivar) memoization so the 5+ callsites per show (header banner, projection_summary, donut, goal-card pace, stats_for) don't recompute the exists?/MIN/SUM triplet each time
- SavingsGoal#projection_payload: sort loaded contributions in Ruby instead of running a fresh ORDER BY
- SavingsGoalsController#show: replace .chronological re-query with in-memory sort over the preloaded association
- funding_breakdown_for: group_by + transform_values off the loaded collection instead of an extra GROUP BY SQL
- stats_for: contributions_count uses .size to read the loaded cache instead of issuing COUNT(*)
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