docs: create roadmap (4 phases)

.planning/STATE.md

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+# Project State
+
+## Project Reference
+
+See: .planning/PROJECT.md (updated 2026-03-11)
+
+**Core value:** Opening the app should feel like opening a beautifully designed personal spreadsheet — clean pastel colors, clear data layout, approachable and visually delightful. The UI IS the product.
+**Current focus:** Phase 1 — Design Token Foundation
+
+## Current Position
+
+Phase: 1 of 4 (Design Token Foundation)
+Plan: 0 of TBD in current phase
+Status: Ready to plan
+Last activity: 2026-03-11 — Roadmap created from requirements and research
+
+Progress: [░░░░░░░░░░] 0%
+
+## Performance Metrics
+
+**Velocity:**
+- Total plans completed: 0
+- Average duration: -
+- Total execution time: 0 hours
+
+**By Phase:**
+
+| Phase | Plans | Total | Avg/Plan |
+|-------|-------|-------|----------|
+| - | - | - | - |
+
+**Recent Trend:**
+- Last 5 plans: none yet
+- Trend: -
+
+*Updated after each plan completion*
+
+## Accumulated Context
+
+### Decisions
+
+Decisions are logged in PROJECT.md Key Decisions table.
+Recent decisions affecting current work:
+
+- [Init]: Customize shadcn via CSS variables only — never edit `src/components/ui/` source files directly
+- [Init]: `lib/palette.ts` as single source of truth for all category-to-color mappings — no hex values in component files
+- [Init]: Extract `InlineEditCell.tsx` at start of Phase 1 before any visual work touches the three duplicated components
+
+### Pending Todos
+
+None yet.
+
+### Blockers/Concerns
+
+- [Phase 4]: Confirm `preferred_locale` field is available on the settings API response before implementing FIX-01
+- [Phase 3]: Verify backend delete cascade behavior for categories with associated budget items before writing confirmation dialog copy
+
+## Session Continuity
+
+Last session: 2026-03-11
+Stopped at: Roadmap created — ready to plan Phase 1
+Resume file: None