<prompt> Human: 23yoIve been saving money each paycheck since my first job, but only in an under-my-mattress savings account. As I began a full time career, I decided to begin putting it into an IRA Roth. I had enough to drop for the whole year, and I just had the money transferred. Now what do I do? Is there anything I can do, or does it just sit?The IRA is through Fidelity, do I contact them to discuss this? What should I ask? I know its a lot of questions, but I like to be prepared.  <response>: Login to the Fidelity website and purchase a fund, such as an ETF. You should look for a US Total Market, Total Intl, and Bond to keep it simple. Read up on Lazy portfolios here: 