Do you understand your personal finances?

[kutuz_off]

I'm quite an idiot when it comes to this. It's rather upsetting. It's caused by a mix of mega-procrastination (mmm...I think it's about time I filed my 2005 taxes), being too irresponsible to do things that help me, and having a bit of a gambling streak (losing too much on stock market).

Currently my money is in cash, poker accounts, and emerging markets index ETF (I think it's a better bet than american indices long-term...gambling again). At least I started deducting from my paycheck into retirement accounts again recently.