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feat(ai): personal financial digital twin simulator#823

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bkennedyshit wants to merge 2 commits intorohitdash08:mainfrom
bkennedyshit:feat/financial-twin
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feat(ai): personal financial digital twin simulator#823
bkennedyshit wants to merge 2 commits intorohitdash08:mainfrom
bkennedyshit:feat/financial-twin

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Closes #100. Simulate income/expense scenario changes vs 3-month baseline. Month-by-month projections, cumulative gain, verdict. 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
- simulate_scenario(): income_increase/expense_reduction/new_expense changes
- 3-month rolling baseline comparison
- Month-by-month projections with cumulative_gain
- positive/negative verdict
- 3 tests
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Personal Financial Digital Twin Simulator

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