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

apps/api/dist/goals/dto/create-allocation.dto.d.ts

@@ -0,0 +1,5 @@
+export declare class CreateAllocationDto {
+    walletId: string;
+    amount: number;
+    notes?: string;
+}