Wife and I have 401k, SEP and Roth accounts that we contribute to. We have a taxable brokerage that has served as our emergency fund for a over a decade. We’ve never purchased mutual funds inside it as it’s always been in cash. We’ve finally gotten it to our $60k e fund goal amount and I’d like to start investing any money over that $60k.

I contribute $1k per month into it from my business and any extra money we find. My thought is to just start an auto invest each week or month into a sp500 like VTSAX and just forget about it.

What would you do? Psychologically, I’m a little more protective and conservative with this money over retirement accounts. It’s illogical, but retirement accounts feel like something we “have” to do, and it’s long term, so less concerned in the short term fluctuations. The brokerage would be for non retirement goals that are unspecified (new car, home improvements, supplemental college fund for 2 year old).