Data plane for Retirement v2 (no FIRE math yet — that is PR3). Five
migrations + four AR models, wired to Goal::Retirement.
Models:
- PensionSource — state/workplace/other source with country, pension
system, tax treatment, payout shape (string-backed + inclusion
validations rather than PG enums, so v2 can add countries without
ALTER TYPE). monetize :amount; end_age required for fixed-term.
- Goal::RetirementStatement — append-only audit journal. default_scope
excludes soft-deleted rows; soft_replace! does soft-delete + insert;
points_delta drives the "—"/signed Δ column; monetize against
projected_currency.
- Goal::RetirementAdjustment — signed today's-money deltas to the
spending target, ordered, applicable_at?(age).
- RetirementBucketEntry — account selection join, unique per plan,
same-family guard.
Goal::Retirement gains the four associations + bucket_accounts and an
ADJUSTMENTS_LIMIT (10) cap. retirement_params jsonb added to goals for
PR3 plan settings.
Namespaced fixture classes mapped via set_fixture_class so the
goal_retirement association resolves. Minimal fixtures + model tests
(112 runs green, incl. goal/family/controller regression sweep). No
new gems.
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