To the fine advice you've received from the folks above, let me add this: non-locked-wrist induced stoppages are most often seen with low-power practice or range ammo. This ammo is right on the bottom edge of being powerful enough for proper weapon functioning under ideal conditions, and ANY other problem can push it over the edge into jammamatic territory. Things I've seen cause stoppages with cheap target/range ammo include dirty weapons (not filthy, just lightly fouled), extremely cold weather, locked-wrist problems, or lack of lubrication on the weapon. However, the vast majority of these weapons DID work properly with full-power defensive ammo, or high-quality reloads loaded to full-power specifications. When you have full-power/energetic ammo, the "extra" recoil energy can help overcome these otherwise small problems.
I think everyone knows you should check your weapon for functioning reliability with the load you intend to use for self-defense. However, this ammo can be very expensive, so shooting a lot of it is simply not an option for many folks. If you look around, though, you can sometimes find middle-priced ammo with hollow-point bullets that is more powerful than the light target/range ammo, but still significantly cheaper than the top-of-the-line defense loads. This can be useful for two reasons: quality practice with full-power ammo instead of light target loads is good for you, and for testing your weapon with hollow point ammo for reliability is good for your confidence in your weapon.
To use Walmart as an example (as many folks have access to one), in their Winchester/USA ammunition line, they have white-box Personal Protection ammo in most popular autoloading pistol calibers; the boxes look like the round-nose/FMJ target ammo boxes, but the bullets are JHPs (jacketed hollow points). There are also Remington/UMC Value Packs in the tall green boxes (100 rounds in each, two 50-shot trays, stacked); I use a lot of this in 9mm and .40, and also in .38 and .357, when available. I've seen it in .45 ACP, too. Federal hasn't done much in this arena, but some Walmarts have been carrying a batch of contract-overrun ammo in .40 caliber that was originally intended for a government agency; it seems to be pretty good stuff. All of this ammo is more expensive than the target/range ammo, but still cheaper than the top-shelf ammo (in fact, you can probably get 50 rounds of the mid-priced JHPs for what you pay for 20 rounds of the "good" stuff). In 9mm, for instance, the cheap FMJ/target ammo are between $9.50 and $12 per 50. The Winchester Personal Protection loads are about $15-$16 per 50, and the Remington JHPs are around $25 per 100. I've seen these ammo brands/types at other stores and gunshops for more money (sometimes a LOT more), but the price advantage over the top-shelf stuff still holds up well.
Here's a link to a test of the .40 caliber JHP ammo from Walmart I did recently, to give you an idea of what the boxes look like and how they perform, velocity-wise:
Velocities of less-expensive defensive loads from Walmart - .40 S&W
"Placement is power" -- seen in an article by Stephen A. Camp
(RIP, Mr. Camp; you will be remembered, and missed)