Thanks for your comment :)
I'll briefly explain what I see in your wallet and what I might change if it were mine. You should make your own decisions on that of course.

First off, "savings" is basically useless at present (and probably will remain so) because it's set at 0% interest. You're better off putting your currency to work than just parking it. You've already got nothing in savings, so that's good.

"estimated account value" is mostly fluff. It's basically how much your cryptocurrencies would be worth if converted into USD at the present rate. It varies with the price of Steem on the open market (currently 2.8 USD but it goes down to 50c sometimes and up to $8 sometimes). Mostly, just ignore it.

Next thing to know is the difference between Steem and SBD. They're both cryptocurrencies, and they both work well within the Steemit community, but Steem is more versatile because it's also used elsewhere, and traded broadly where cryptos are traded. Unless you have a specific need for SBD (some people use it to tip or gift others, or pay for advertising) then convert it to Steem.

How you convert to Steem is your choice. I click on my SBD and select "market". From there, it's a wall of numbers, and not a lot of instructions, so it has taken me a little while to figure out how to use it best. But you can't really screw anything up as far as I know. I think there are other ways to buy/sell Steem and SBD but I've always used that "market" screen.

Once you've got your SBD converted into Steem, you have a couple main options. One is to sell that Steem for USD or whatever currency you use locally, and get it into your hands to spend. Two is to invest it in Steemit and yourself by "powering up". That's just a nickname the site uses for moving your Steem to "Steem Power". They're the same currency (both worth 2.8 USD right now). The more Steem Power you have, the more authors of posts/comments you upvote will get paid. So having your Steem "powered up" means you're more invested in the site long term, and you're here to interact with the community by posting, commenting, and upvoting good content.

In short, ignore "savings", convert your SBD into Steem, and power up your Steem into Steem Power. Then, make sure you upvote about 10 times a day (give or take) to maximize the amount of money you're paying out to others. The idea is that if we all do this, good content will get posted, found, shared, commented on, and everybody involved gets paid. Crappy content, not so much. And thus the site grows and increases in quality, and those who contribute get paid.

Sorry if any of that is a re-run for you and hopefully it helped answer some of your questions! Let me know if you need some clarification on anything.