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/internal/handler/dashboard.go

@@ -8,11 +8,12 @@ import (
 )
 
 type DashboardHandler struct {
-	svc *service.DashboardService
+	svc     *service.DashboardService
+	gameSvc *service.GameService
 }
 
-func NewDashboardHandler(svc *service.DashboardService) *DashboardHandler {
-	return &DashboardHandler{svc: svc}
+func NewDashboardHandler(svc *service.DashboardService, gameSvc *service.GameService) *DashboardHandler {
+	return &DashboardHandler{svc: svc, gameSvc: gameSvc}
 }
 
 func (h *DashboardHandler) Get(w http.ResponseWriter, r *http.Request) {
@@ -26,5 +27,14 @@ func (h *DashboardHandler) Get(w http.ResponseWriter, r *http.Request) {
 		respondError(w, http.StatusInternalServerError, "failed to load dashboard")
 		return
 	}
+
+	// Notify game engine about savings percentage for the current month only
+	if month == time.Now().Format("2006-01") {
+		h.gameSvc.NotifyAction(r.Context(), "savings_checked", map[string]any{
+			"pct":  data.SavingsPct,
+			"goal": data.SavingsGoalPct,
+		})
+	}
+
 	respondJSON(w, http.StatusOK, data)
 }