v0.9.0 — Resilience & goals

Final pass before the public Alpha. Completes Phase D.

Highlights

• Optimize — Financial goals / sinking funds: new FinancialGoal model + additive migration, golden-tested engine, household-scoped CRUD API, and a Goals tab. Per-goal amount remaining, required monthly contribution to hit the target date, progress, and on-track/ahead/behind/reached/unreachable/open-ended status; aggregated in the household base currency.
• Budget — Spend & savings analysis + visualizations: top spend categories, spend by group, essential vs discretionary, savings rate, 50/30/20, realistic savings opportunities, zero-based balance check, and plain-language insights.
• Whole-amount ("zero-cent") budgeting: round-to-nearest-5 display + formatWhole, with a ±5 reconciliation tolerance. Stored money stays exact Decimal(18,4).
• Ops/hardening: optimized Docker image, README badges, Trivy gate that updates a single vuln issue in place, and standard repo files (VERSION, LICENSE.md, CHANGELOG.md, CLAUDE.md).

Full local gate verified green: typecheck, lint, 220 tests, next build. See CHANGELOG.md.

Forward plan (v0.9.1 → v0.9.8) is tracked in docs/strategy/ROADMAP.md.