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77660d2ee4
Adds a standalone Savings goals feature: a piggy-bank style tracker that lets a family set a target, link one or more Depository accounts as funding sources, and log manual contributions over time. Supersedes #1569 (closed) — same intent, redesigned per reviewer + Discord feedback. What this adds: - New `/savings_goals` sidebar entry (piggy-bank icon) with index, show, state-filtered tabs (all/active/paused/completed/archived), and a 2-step modal stepper for creation (Identity → Review). - Multi-account funding via a `SavingsGoalAccount` join: a goal requires ≥1 linked Depository account (checking/savings/HSA/CD/money-market), and all linked accounts must share the goal's currency. - Tracker balance model: goal balance = SUM(contributions.amount). No auto-flow from account balances. Contributions are pure logical records and don't move money between accounts. - Manual contributions modal scoped to the goal's linked accounts. Initial contributions seeded at creation can't be deleted; manual ones can. - AASM lifecycle: active / paused / completed / archived. Hard-delete only after archive. - Status pills (On track / Behind / Reached / No date) derived from pace vs target_date. - AI Assistant tool `create_savings_goal` lets the sidebar chat create a goal end-to-end from a natural-language prompt; soft errors carry the available-accounts list back to the LLM (mirrors the existing `import_bank_statement` pattern). - Family-scoped throughout (`Current.family`-only access, account family-scoping enforced both in controllers and the AI tool). - Demo data seed wires up 4 sample goals across the Depository accounts. Intentionally out of scope (separate PRs / v1.1): - Auto-fund from budget surplus + Sidekiq cron + budget-show card. - Dashboard "Savings goals" widget. - "Behind pace" projection chart on the detail page. - `evaluate_savings_goal_feasibility` LLM tool (level-setting before create_savings_goal). - Spend-less goals inside Budgets. - Family-member-private goals (deferred investigation).
57 lines
1.5 KiB
Ruby
57 lines
1.5 KiB
Ruby
class SavingsContribution < ApplicationRecord
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include Monetizable
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SOURCES = %w[manual initial].freeze
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belongs_to :savings_goal
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belongs_to :account
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validates :amount, presence: true, numericality: { greater_than: 0 }
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validates :currency, presence: true
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validates :contributed_at, presence: true
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validates :source, inclusion: { in: SOURCES }
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validate :currency_matches_goal
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validate :account_must_belong_to_family
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validate :account_must_be_linked_to_goal
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before_validation :sync_currency_from_goal
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monetize :amount
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scope :chronological, -> { order(contributed_at: :desc, created_at: :desc) }
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def manual?
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source == "manual"
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end
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def initial?
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source == "initial"
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end
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private
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def sync_currency_from_goal
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self.currency = savings_goal.currency if savings_goal && currency.blank?
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end
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def currency_matches_goal
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return if savings_goal.nil? || currency.blank?
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return if currency == savings_goal.currency
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errors.add(:currency, :must_match_goal)
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end
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def account_must_belong_to_family
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return if savings_goal.nil? || account.nil?
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return if account.family_id == savings_goal.family_id
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errors.add(:account, :must_belong_to_family)
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end
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def account_must_be_linked_to_goal
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return if savings_goal.nil? || account.nil?
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return if savings_goal.savings_goal_accounts.where(account_id: account_id).exists?
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errors.add(:account, :must_be_linked_to_goal)
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end
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end
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