(Image credit: Getty Images) The stock market is sitting on a knife-edge, and interest rates are still top of mind, which has investors wondering what the Federal Reserve will do next . Add in tax season being fresh in everyone's minds, and it's no surprise that many people are thinking about their retirement accounts and asking themselves: What should I be doing with my money? While most people focus on getting their taxes filed or making that last-minute IRA contribution , this is also the perfect time to step back and look at the bigger picture. Are you contributing strategically, or are you just checking the box because you know you "should"? From just $107.88 $24.99 for Kiplinger Personal Finance Become a smarter, better informed investor. Subscribe from just $107.88 $24.99, plus get up to 4 Special Issues CLICK FOR FREE ISSUE Sign up for Kiplinger’s Free Newsletters Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.…