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/repository/settings.go

@@ -0,0 +1,50 @@
+package repository
+
+import (
+	"context"
+
+	"github.com/jackc/pgx/v5/pgxpool"
+
+	"financeiro-carvalho/internal/middleware"
+	"financeiro-carvalho/internal/model"
+)
+
+type SettingsRepository interface {
+	Get(ctx context.Context) (*model.UserSettings, error)
+	Upsert(ctx context.Context, s model.UserSettings) (*model.UserSettings, error)
+}
+
+type settingsRepo struct{ pool *pgxpool.Pool }
+
+func NewSettingsRepository(pool *pgxpool.Pool) SettingsRepository {
+	return &settingsRepo{pool: pool}
+}
+
+func (r *settingsRepo) Get(ctx context.Context) (*model.UserSettings, error) {
+	pid := middleware.ProfileIDFromCtx(ctx)
+	var s model.UserSettings
+	err := r.pool.QueryRow(ctx, `
+		SELECT savings_goal_pct FROM user_settings WHERE profile_id = $1
+	`, pid).Scan(&s.SavingsGoalPct)
+	if err != nil {
+		// Return defaults if not yet configured
+		return &model.UserSettings{SavingsGoalPct: 40}, nil
+	}
+	return &s, nil
+}
+
+func (r *settingsRepo) Upsert(ctx context.Context, s model.UserSettings) (*model.UserSettings, error) {
+	pid := middleware.ProfileIDFromCtx(ctx)
+	var out model.UserSettings
+	err := r.pool.QueryRow(ctx, `
+		INSERT INTO user_settings (profile_id, savings_goal_pct)
+		VALUES ($1, $2)
+		ON CONFLICT (profile_id) DO UPDATE
+		SET savings_goal_pct = EXCLUDED.savings_goal_pct, updated_at = NOW()
+		RETURNING savings_goal_pct
+	`, pid, s.SavingsGoalPct).Scan(&out.SavingsGoalPct)
+	if err != nil {
+		return nil, err
+	}
+	return &out, nil
+}