To mark your $10k milestone, consider taking more ownership in your investing. First, make sure you’re saving enough at work to get your employer’s full match. So, if your workplace plan will match some percentage of the contributions you make up to 6% of your paycheck, for example, save 6% at least—increasing your contribution every year until you reach the contribution limit. (You may not notice much of a difference in your take-home pay if you do this gradually.) After that, consider putting more savings in an IRA—and researching your investment choices, learning along the way about risk and fees.