Gap analysis identified missing test coverage for actuals/expense-categories
routes, and no implementation for savings_goals (schema exists) or expense
category management UI in Settings. Four tasks created in td to address these
gaps: td-61fdb0, td-c04994, td-55695f, td-a94ef7.
Also commit pre-existing .gitignore and settings.local.json changes.
Nightshift-Task: task-groomer
Nightshift-Ref: https://github.com/marcus/nightshift
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
