Add personal finance recommender domain

[starburtMr]

Summary

For aolabsai/ao_pyth#9.

Adds a distinct personal-finance/budgeting recommender domain for the paid bounty. This is separate from the existing movie, music, recipe, learning, book, fitness, travel, and e-commerce submissions.

What it adds:

• local 12-action finance catalog covering savings, debt payoff, investing, cash-flow habits, and financial protection
• deterministic eight-bit AO-compatible input encoding using action focus, time horizon, risk, and current user money goal
• Streamlit demo with current-goal and monthly-cash controls
• optional AO Agent scoring/training when ao_core and ao_arch are installed
• deterministic fallback CLI/ranking path so reviewers can run it without private AO packages or paid APIs
• unit tests for encoding, goal ranking, cash constraints, feedback-driven ranking, and invalid goals

Validation

• python3 -m unittest discover -s tests
• python3 -m unittest tests/test_finance_domain.py
• python3 -m py_compile finance_domain.py finance_recommender.py arch__FinanceRecommender.py tests/test_finance_domain.py
• python3 finance_recommender.py
• git diff --check

Bounty

/claim #9

If accepted for the paid bounty, preferred payout is PayPal via 1977995433@qq.com.

Transparency: AI-assisted with Codex; I reviewed the implementation and validation output before submitting.