checkpoint: goals feature, wallet balance, and goals/wallet detail UI

- Add goals feature (models, migrations, API, web pages)
- Add reserved/centralized wallet balance service
- Add wallet detail page and overview components
- Add new UI components (progress, multi-select, FAB)
- Remove stray empty -H/-d files from working tree

GOALS_TROUBLESHOOTING.md

@@ -0,0 +1,156 @@
+# Goals Feature - Troubleshooting
+
+## ❌ Error: "Cannot POST /api/goals"
+
+### **Cause:**
+The backend server needs to be restarted to load the new Goals module.
+
+### **Solution:**
+
+**Step 1: Stop the backend server**
+```bash
+# In the terminal running the API
+# Press Ctrl+C to stop
+```
+
+**Step 2: Restart the backend**
+```bash
+cd apps/api
+npm run dev
+```
+
+**Step 3: Verify the server started correctly**
+Look for these messages:
+```
+[Nest] INFO [NestFactory] Starting Nest application...
+[Nest] INFO [InstanceLoader] GoalsModule dependencies initialized
+[Nest] INFO [RoutesResolver] GoalsController {/api/goals}:
+[Nest] INFO [RouterExplorer] Mapped {/api/goals, POST} route
+[Nest] INFO [RouterExplorer] Mapped {/api/goals, GET} route
+[Nest] INFO [RouterExplorer] Mapped {/api/goals/stats, GET} route
+[Nest] INFO [RouterExplorer] Mapped {/api/goals/:id, GET} route
+[Nest] INFO [RouterExplorer] Mapped {/api/goals/:id, PATCH} route
+[Nest] INFO [RouterExplorer] Mapped {/api/goals/:id, DELETE} route
+[Nest] INFO [RouterExplorer] Mapped {/api/goals/:id/allocations, POST} route
+[Nest] INFO [RouterExplorer] Mapped {/api/goals/:id/allocations/:allocationId, DELETE} route
+```
+
+**Step 4: Test the endpoint**
+```bash
+# In a new terminal, test if the endpoint exists:
+curl -X GET http://localhost:3001/api/goals \
+  -H "Authorization: Bearer YOUR_TOKEN"
+
+# Should return: 401 Unauthorized (if no token) or [] (empty array if authenticated)
+# Should NOT return: 404 Not Found or "Cannot POST /api/goals"
+```
+
+---
+
+## ✅ Verification Checklist
+
+After restarting the backend:
+
+- [ ] Backend server running on port 3001
+- [ ] Console shows "GoalsModule dependencies initialized"
+- [ ] Console shows "GoalsController {/api/goals}" routes
+- [ ] Frontend can create goals without "Cannot POST" error
+- [ ] Goals appear in the dashboard
+
+---
+
+## 🔍 Additional Checks
+
+### **Check 1: Module is registered**
+File: `apps/api/src/app.module.ts`
+```typescript
+imports: [
+  // ... other modules
+  GoalsModule,  // ← Should be here
+],
+```
+
+### **Check 2: Controller is exported**
+File: `apps/api/src/goals/goals.module.ts`
+```typescript
+@Module({
+  imports: [PrismaModule],
+  controllers: [GoalsController],  // ← Should be here
+  providers: [GoalsService],
+  exports: [GoalsService],
+})
+```
+
+### **Check 3: Database migration ran**
+```bash
+cd apps/api
+npx prisma migrate status
+
+# Should show:
+# ✓ 20251022141924_add_goals_feature
+```
+
+---
+
+## 🐛 Common Issues
+
+### **Issue: Module not found**
+**Error:** `Cannot find module './goals/goals.module'`
+**Fix:** Make sure all files were created correctly
+
+### **Issue: Prisma client not updated**
+**Error:** `Property 'goal' does not exist on type 'PrismaClient'`
+**Fix:** 
+```bash
+cd apps/api
+npx prisma generate
+npm run build
+```
+
+### **Issue: Port already in use**
+**Error:** `Error: listen EADDRINUSE: address already in use :::3001`
+**Fix:**
+```bash
+# Find and kill the process using port 3001
+lsof -ti:3001 | xargs kill -9
+
+# Then restart
+npm run dev
+```
+
+---
+
+## 📞 Quick Test
+
+Once backend is restarted, test in browser console:
+```javascript
+// Open browser console (F12)
+// Make sure you're logged in
+
+fetch('http://localhost:3001/api/goals', {
+  method: 'GET',
+  headers: {
+    'Authorization': `Bearer ${localStorage.getItem('token')}`
+  }
+})
+.then(r => r.json())
+.then(console.log)
+
+// Should return: []
+// Should NOT return: 404 or "Cannot GET /api/goals"
+```
+
+---
+
+## ✅ Success Indicators
+
+You'll know it's working when:
+1. ✅ Backend console shows Goals routes mapped
+2. ✅ No "Cannot POST /api/goals" error
+3. ✅ Create goal dialog submits successfully
+4. ✅ Goals appear in the dashboard
+5. ✅ Stats cards show correct numbers
+
+---
+
+**TL;DR: Restart the backend server!** 🔄