feat: #45 meta de poupança configurável + conquistas genéricas

- Nova tabela user_settings com savings_goal_pct (default 40%)
- API GET /api/settings, PUT /api/settings
- DashboardService inclui savings_goal_pct no payload
- DashboardHandler dispara savings_checked com goal configurado
- GameService.NotifyAction: checa pct >= goal (sem hardcode de 40%)
- SettingsView: painel META DE POUPANÇA com input configurável
- HomeView: widget mostra meta dinâmica (META: X%) e usa savingsGoal
- stores/settings.ts: store com fetch e update

Co-Authored-By: Claude Sonnet 4.6 <[email protected]>

apps/api/cmd/server/main.go

@@ -86,9 +86,13 @@ func main() {
 	accountHandler := handler.NewAccountHandler(accountSvc)
 	creditBillHandler := handler.NewCreditBillHandler(creditBillSvc)
 
+	settingsRepo := repository.NewSettingsRepository(pool)
+	settingsSvc := service.NewSettingsService(settingsRepo)
+	settingsHandler := handler.NewSettingsHandler(settingsSvc)
+
 	dashboardRepo := repository.NewDashboardRepository(pool)
-	dashboardSvc := service.NewDashboardService(dashboardRepo, recurringSvc, accountRepo, creditBillSvc, pendingBillSvc)
-	dashboardHandler := handler.NewDashboardHandler(dashboardSvc)
+	dashboardSvc := service.NewDashboardService(dashboardRepo, recurringSvc, accountRepo, creditBillSvc, pendingBillSvc, settingsSvc)
+	dashboardHandler := handler.NewDashboardHandler(dashboardSvc, gameSvc)
 
 	r.Get("/health", handler.Health)
 
@@ -142,6 +146,9 @@ func main() {
 
 		r.Get("/dashboard", dashboardHandler.Get)
 
+		r.Get("/settings", settingsHandler.Get)
+		r.Put("/settings", settingsHandler.Update)
+
 		r.Get("/game/summary", gameHandler.Summary)
 		r.Post("/game/xp", gameHandler.AwardXP)
 		r.Post("/game/quests/{id}/claim", gameHandler.ClaimQuest)