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feat(ux): smart onboarding financial setup wizard#822

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bkennedyshit wants to merge 1 commit intorohitdash08:mainfrom
bkennedyshit:feat/onboarding-wizard
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feat(ux): smart onboarding financial setup wizard#822
bkennedyshit wants to merge 1 commit intorohitdash08:mainfrom
bkennedyshit:feat/onboarding-wizard

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Closes #101. 5-step completion tracker, 12 default categories, tight/moderate/comfortable budget presets. 3 tests.

- get_onboarding_status(): 5-step completion tracker with next_step hint
- setup_default_categories(): 12 categories with emoji icons
- apply_budget_preset(): tight/moderate/comfortable templates
- 3 tests
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Smart onboarding financial setup wizard

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