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-goal.dto.d.ts

@@ -0,0 +1,9 @@
+export declare class CreateGoalDto {
+    name: string;
+    description?: string;
+    targetAmount: number;
+    currency: string;
+    targetDate?: string;
+    imageUrl?: string;
+    category?: string;
+}