<prompt> Human: Even amongst buying Christmas gifts and doing a bit of international traveling earlier this year, my wife and I managed to cross a net worth milestone this past week that weve been anticipating for quite a while. We just crossed 100K in net worth. This might not sound like a big deal to a lot of people, but were really pumped about it because shes barely 30 years old and Im still 29. This is a big deal for us. It took a long time of never buying a new car, never putting anything on payments, never having a single credit card, etc.But of course now that weve reached this milestone, were wondering what our next step is. Ive made an appointment with our advisor at Edward Jones this weekend after Christmas, but Id like to get a lot of different suggestions or ideas if possible.Up until this point, weve have our assets allocated to a few specific places. 35K is in an investment account thats just three different mutual funds that have performed really well in the past year and a half, its up about 15 in that time. About 15K is also in various 401Ks and IRAs, which have also done well. The rest is in a savings and checking account. I know I should probably consider putting more from checking and saving into investments, but I think Ive inherited a good deal of cynicism and low risk tolerance from my parents.So what should be our goals at this point? How should we re-evaluate our existing goals and strategies? What are some realistic goals that we might not have considered at this point that would be great to shoot for? Thanks so much, I look forward to what you all have to say!  <response>: Edward Jones has you thinking that up 15 over 18 months chasing funds that have performed well is responsible investing. It isnt. Its a way they try to keep you ill informed and makes piles of commissions.Broad market indexes are up 18 to 28 in the last 12 months. More over the last 18 months. Your adviser is getting rich off you.Congratulations on reaching your milestone. Maybe you can use this occasion to lean more about investing and escape from Edward Jones, so you can reach your next milestone even quicker. 