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/migration/migration.go

@@ -56,6 +56,9 @@ var m015 string
 //go:embed sql/016_pending_bill_imports.sql
 var m016 string
 
+//go:embed sql/017_user_settings.sql
+var m017 string
+
 func Run(ctx context.Context, pool *pgxpool.Pool) error {
 	// Bootstrap: ensure schema_migrations table exists before checking versions.
 	if _, err := pool.Exec(ctx, `
@@ -67,7 +70,7 @@ func Run(ctx context.Context, pool *pgxpool.Pool) error {
 		return fmt.Errorf("bootstrap schema_migrations: %w", err)
 	}
 
-	migrations := []string{m001, m002, m003, m004, m005, m006, m007, m008, m009, m010, m011, m012, m013, m014, m015, m016}
+	migrations := []string{m001, m002, m003, m004, m005, m006, m007, m008, m009, m010, m011, m012, m013, m014, m015, m016, m017}
 	for i, sql := range migrations {
 		version := i + 1
 		var applied bool

apps/api/internal/migration/sql/017_user_settings.sql

@@ -0,0 +1,5 @@
+CREATE TABLE IF NOT EXISTS user_settings (
+    profile_id       INTEGER PRIMARY KEY REFERENCES profiles(id) ON DELETE CASCADE,
+    savings_goal_pct NUMERIC(5,2) NOT NULL DEFAULT 40,
+    updated_at       TIMESTAMPTZ NOT NULL DEFAULT NOW()
+);