Multi-User Family/Household Accounts - Shared Budget Management

Allow multiple users (couples, families, roommates) to share access to the same Waypoint Budget account, enabling collaborative budget management and financial planning.

Core Features Needed

1. Invite System - Primary user can send email invites to family members

2. Role Management - Owner vs Member permissions (both can view/edit for

  MVP)

3. Shared Data - All household members see the same:

    - Transactions

    - Budget categories

    - Bank connections

    - Goals & insights

    - Calendar view

4. Activity Indicators - Show who added/edited transactions ("Added by Sarah")

5. Member Management - Add/remove household members, view who has access