retirement accounts are maxed, so that option is taken care of for the time being.
My intention by short term is not day by day. It is in like 90 day plus increments. I have the short term cash and emergency fund along with a LOC at my bank for the business. However, say my business tanked or needed to move fast and needed some capital for something (large equipment purchase, this happens more often than not), then I want to be able to grab this. 30 days is fine by me. I have cash on hand to suffice for most oh crap situations to last 30 days and what not.
Also, I am very young in my investing life. I am ok with risk but not looking to be stupid. As mentioned earlier, of this brokerage account I dream up something like this;
20% international- say HJSIX
20% in stocks I like, play fund -Say Wally World for example
10% left in cash- to buy a stock I think may hit an uptick or something
50% in some sort of 30 + day but yet short sighted investment fund. This is something I am investing with yet it is not penalized if I need to pull it out in 5 months to make an equipment purchase at work, buy a partner out, what ever the case may be.
Am I still looking like an idiot? haha.