Create three-month product roadmap

Summary

Reviewed Pennywise’s current personal-finance capabilities and created a dated three-month roadmap focused on faster transaction capture, flexible financial-data imports, recurring transactions, and a unified obligations view. Added the local roadmap directory to Git ignore.

Decisions

• Prioritize smart repeat entry, flexible CSV import with duplicate protection, recurring transaction confirmation, and a unified obligations view
• Keep roadmap documents local by ignoring the roadmap directory