Add profile-local config.yaml (to store categories and other stuff) and global config.yaml (for application global config options)

docs/categories.md

@@ -2,31 +2,53 @@
 
 ## Overview
 
-moneyflow automatically uses your backend's category structure:
+moneyflow automatically uses your backend's category structure with **profile-local isolation**:
 
-- **Monarch Money** - Fetches your actual Monarch categories on every startup
-- **YNAB** - Fetches your actual YNAB budget categories on every startup
-- **Amazon Mode** - Uses categories from your Monarch/YNAB account (if previously configured), otherwise uses built-in defaults
+- **Monarch Money** - Fetches your actual Monarch categories and saves to your Monarch profile
+- **YNAB** - Fetches your actual YNAB budget categories and saves to your YNAB profile
+- **Amazon Mode** - Inherits categories from your primary backend (Monarch/YNAB) or uses built-in defaults
 - **Demo Mode** - Uses built-in default categories
 
-**No manual configuration needed!** Categories are automatically synced from your finance platform.
+**No manual configuration needed!** Categories are automatically synced from your finance platform and isolated per account.
 
 ---
 
 ## How It Works
 
+### Profile-Local Category Storage
+
+Each account has its own category configuration:
+
+```text
+~/.moneyflow/
+  ├── config.yaml                          # Global settings (optional)
+  └── profiles/
+      ├── monarch1/
+      │   └── config.yaml                  # Monarch categories (auto-synced)
+      ├── ynab1/
+      │   └── config.yaml                  # YNAB categories (auto-synced)
+      └── amazon/
+          └── config.yaml                  # Amazon categories (optional, inherits by default)
+```
+
+**Benefits:**
+
+- ✅ No category conflicts between accounts
+- ✅ Different Monarch and YNAB category structures work independently
+- ✅ Each account maintains its own category customizations
+
 ### For Monarch Money and YNAB Users
 
 On every startup, moneyflow:
 
 1. **Fetches your categories** from Monarch/YNAB API
-2. **Saves them to `~/.moneyflow/config.yaml`** under `fetched_categories`
+2. **Saves them to `~/.moneyflow/profiles/{account_id}/config.yaml`**
 3. **Uses them throughout the session** for grouping and filtering
 
 Your categories are always up-to-date with your finance platform. If you add or rename categories in
 Monarch or YNAB, they'll automatically appear in moneyflow on next launch.
 
-**Example config.yaml (auto-generated):**
+**Example profile config.yaml (auto-generated):**
 
 ```yaml
 version: 1
@@ -46,17 +68,50 @@ fetched_categories:
 
 ### For Amazon Mode Users
 
-When you launch Amazon mode, moneyflow:
+Amazon mode uses smart category inheritance:
+
+**Priority order:**
+
+1. **Profile-local config** - If `~/.moneyflow/profiles/amazon/config.yaml` exists, use it
+2. **Explicit source** - If `amazon_categories_source` is set in global config, inherit from that profile
+3. **Auto-inherit** - If only ONE Monarch/YNAB profile exists, inherit from it automatically
+4. **Built-in defaults** - If multiple profiles exist or none configured
+
+#### Example: Single Monarch Account + Amazon
+
+```text
+~/.moneyflow/profiles/
+  ├── monarch1/config.yaml          # Has Food, Shopping, etc.
+  └── amazon/                       # No config.yaml
+      └── amazon.db
+```
+
+Result: Amazon automatically inherits Monarch's categories. Your Amazon purchases use the same category structure!
+
+#### Example: Multiple Accounts + Amazon
+
+```text
+~/.moneyflow/profiles/
+  ├── monarch1/config.yaml          # Has Monarch categories
+  ├── ynab1/config.yaml             # Has different YNAB categories
+  └── amazon/                       # No config.yaml
+```
+
+Result: Amazon uses built-in defaults (can't auto-pick between Monarch and YNAB).
 
-1. **Checks for `fetched_categories` in config.yaml**
-2. If found (from a previous Monarch/YNAB setup), uses those categories
-3. If not found, uses built-in default categories
+#### Explicit Control
 
-This means Amazon purchases are categorized using the same category structure as your main finance platform.
+To specify which profile Amazon should inherit from, add to global `~/.moneyflow/config.yaml`:
+
+```yaml
+version: 1
+amazon_categories_source: monarch1  # Use monarch1's categories for Amazon
+```
 
 ### For Demo Mode Users
 
-Demo mode always uses the built-in default categories (~60 categories in 15 groups). This provides a consistent demo experience.
+Demo mode always uses the built-in default categories (~60 categories in 15 groups). This provides a consistent
+demo experience.
 
 ---
 
@@ -86,43 +141,30 @@ This shows the actual categories being used (fetched from backend or defaults).
 
 ---
 
-## Advanced: Custom Category Overrides
+## Global Configuration
 
-!!! info "Only for advanced users"
-    Most users don't need this. Monarch/YNAB categories are automatically fetched and synced.
-
-You can customize how categories are organized by editing `~/.moneyflow/config.yaml`:
+The global `~/.moneyflow/config.yaml` is for application-wide settings only:
 
 ```yaml
 version: 1
 
-# Backend categories (auto-populated by Monarch/YNAB)
-fetched_categories:
-  Food & Dining:
-    - Groceries
-    - Restaurants
-
-# Optional: Custom overrides (applied on top of fetched_categories)
-categories:
-  rename_groups:
-    "Food & Dining": "Food"
-  add_to_groups:
-    Food:
-      - Fast Food
+# Optional: Specify which profile Amazon should inherit categories from
+amazon_categories_source: monarch1
+
+# Other global settings can go here
 ```
 
-**Available customizations:**
+**What goes in global config:**
 
-- `rename_groups` - Rename category groups
-- `rename_categories` - Rename individual categories
-- `add_to_groups` - Add categories to existing groups
-- `custom_groups` - Create entirely new groups
-- `move_categories` - Move categories between groups
+- `amazon_categories_source` - Explicit category inheritance for Amazon
+- Application-wide preferences (future)
+- Theme settings (future)
 
-**Which backends write to config.yaml:**
+**What does NOT go in global config:**
 
-- Monarch/YNAB: Write `fetched_categories` on every startup
-- Amazon/Demo: Only read, never write
+- ❌ Categories (these are profile-local)
+- ❌ Credentials (these are profile-local)
+- ❌ Backend-specific settings (these are profile-local)
 
 ---
 
@@ -134,38 +176,48 @@ categories:
 
 ### I want to use Monarch categories in Amazon mode
 
-**Solution:** Run moneyflow with Monarch at least once. The categories will be saved to
-`config.yaml` and automatically used by Amazon mode.
+**Solution:** If you have only one Monarch profile, Amazon will automatically inherit its categories. If you have
+multiple profiles, add this to `~/.moneyflow/config.yaml`:
+
+```yaml
+version: 1
+amazon_categories_source: monarch1  # Replace with your profile ID
+```
 
 ### I see "Using built-in default categories" in logs
 
 This is normal for:
 
 - First run before connecting to Monarch/YNAB
 - Demo mode
-- Amazon mode without previous Monarch/YNAB setup
+- Amazon mode with multiple other profiles (and no explicit source configured)
 
-To get your actual categories, connect to Monarch or YNAB.
+To use your actual categories for Amazon, either have only one other profile or configure
+`amazon_categories_source`.
 
-### How do I reset to defaults?
+### How do I reset a profile's categories to defaults?
 
-Delete the fetched categories from config.yaml:
+Delete the profile's config file:
 
 ```bash
-# Remove fetched_categories section
-# Edit ~/.moneyflow/config.yaml and delete the 'fetched_categories:' section
+# Reset specific profile
+rm ~/.moneyflow/profiles/monarch1/config.yaml
 
-# Or delete entire config
-rm ~/.moneyflow/config.yaml
+# Categories will be re-fetched from backend on next startup
 ```
 
+### Categories are different between my accounts
+
+This is expected! Each profile has its own category structure. Your Monarch categories won't interfere with your
+YNAB categories.
+
 ---
 
 ## Technical Details
 
-**Storage location:** `~/.moneyflow/config.yaml`
+**Storage location:** `~/.moneyflow/profiles/{account_id}/config.yaml`
 
-**Update frequency:** On every Monarch/YNAB startup (keeps categories in sync)
+**Update frequency:** On every Monarch/YNAB startup (keeps categories in sync with backend)
 
 **Format:**