refactor: move help_text to model definition

app/apps/users/migrations/0025_alter_usersettings_default_account.py

@@ -0,0 +1,20 @@
+# Generated by Django 5.2.9 on 2026-02-16 01:32
+
+import django.db.models.deletion
+from django.db import migrations, models
+
+
+class Migration(migrations.Migration):
+
+    dependencies = [
+        ('accounts', '0016_account_untracked_by'),
+        ('users', '0024_usersettings_default_account'),
+    ]
+
+    operations = [
+        migrations.AlterField(
+            model_name='usersettings',
+            name='default_account',
+            field=models.ForeignKey(blank=True, help_text='Selects the account by default when creating new transactions', null=True, on_delete=django.db.models.deletion.SET_NULL, to='accounts.account', verbose_name='Default account'),
+        ),
+    ]