Based on your transaction history, you spent $2,847 on dining and entertainment last month, which is 23% higher than your 3-month average.

Your top spending categories were: Restaurants ($1,420), Streaming Services ($89), and Concert Tickets ($338). I'd recommend setting a monthly budget of $2,200 for this category to align with your savings goals.

Looking at your current portfolio allocation: You have 45% in US stocks, 20% in international equities, 25% in bonds, and 10% in cash.

Given your risk tolerance and 15-year investment horizon, this is a reasonably balanced approach. However, you might consider increasing your international exposure to 25-30% for better diversification, especially with emerging markets showing strong growth potential.

Your net worth has grown 12.4% over the past 12 months, from $142,500 to $160,180. The main contributors were: Investment gains (+$11,200), Debt reduction (+$4,800 from paying down your car loan), and Savings contributions (+$8,400).

Your debt-to-asset ratio improved from 28% to 22%. At this pace, you're on track to reach your $200,000 net worth goal by mid-2026.