Lets break it down:
Cash & Savings: This month we managed to grow by $550.00. Not a lot but considering how much we are spending on the wedding, I feel this is still really positive. This is probably going to take a hit this coming month because the wedding and the honeymoon which has out vacation fun in this bracket. This money grows from money directly transferred from paycheck into my money market, savings account and checking. This bracket holds the funds for insurance, auto maintenance, Roth IRA, and vacation. This is why it can be a little deceiving, it also holds my monthly budget in it. It has about 13-15k sitting around as savings the rest are funds that are going to be used at some point over the year. The rest is used on a daily bases for covering expenses, rent, food, auto, etc...
*As you can see I am heavy in commodities in my brokerage account. This is all based on my thought that over the next decade the best investments are going to actually be in hard assets. My Roth/IRA/401k are in pretty common index funds and mutual funds so I figure I can go more risky with brokerage. I believe these will out perform equities in the next decade and if nothing else I feel more comfortable with my portfolio diverse. I am bearish on the US Dollar and US Economy, I believe that trillion dollar deficits are not going bode well for the USA.
Retirement 401k: This braket is just me adding money to my 401k every month. Took a slight loss this month in 401k and feel we will be losing a lot more down the line. Think we might be headed for another downturn in the markets until Zimbabwe Ben starts up the printing press again, which should reflate the market.
Retirement IRA's: Slow growth here this month. I still think the market is going to correct itself. I pulled back half of my Roth into cash, so have about half my retirement in cash right now. I will keep cash on the sidelines and just try and max out my fiancés and my Roth's next year. In this bracket I have all Vanguard Funds (VTSMX, VGSTX, VEIEX)
Debts and Liabilities - Vehicle under 10K!! Credit Cards done...
Credit Cards: This is just a more wedding stuff purchased with credit (Wedding outfit), it will be paid off before I am charged - I pay off any Credit Card debt monthly.
Car Loan: I am paying 4% APR on it so I am paying a little, but not a ton. Still looking to pay it off early-will probably be a goal this or next year. We are still saving up for a house so not sure its in our best interest to get rid of our cash sitting to be debt free on my vehicle.
May is now in the bank, I am still extremely bearish on the world economy and the US economy...We are headed for a financial storm and it is very important for all of us to be up to date on current events. It time to be prepared for the worse and pray for the best. I will be saving as much as I can but with the wedding I am going to be running low on cash flow. (sorry used the same statement as last month but I am still in the exact feelings)