We're all growing up a bit (a bit), and eventually we need to develop an investment plan for ourselves. If you're not quite sure where to start, or need a definition of "investment plan," Vanguard has a handy little tool here which lets you create your own investment plan. Now, this is mostly hypothetical if you're like me and have 100% of your reserves in "short-term cash" (savings accounts). But if you think you may like to start investing in the market one day, this is a good way to understand how ballsy you'll be with your investments. When you can afford to make them, of course.