FILE- In this June 15, 2018, file photo, twenty dollar bills are counted in North Andover, Mass. You’ve mastered the basics of money management — the bank accounts, the emergency fund, the 401(k) you contribute enough to so you get your employer match. Maybe you’ve even dabbled in investing, but otherwise you’ve been on autopilot for a few years. (AP Photo/Elise Amendola, File)