Judging from responses here, and my own experience, I think you need first of all to make some life decisions.<p>Here are the questions I'd try and answer first:<p>1) What sort of life do I want for myself? Do I want to keep programming cool stuff as ecosystems come along? Do I want to manage programmers? Do I want to run a business, become an internet marketing guru, based on my experience, or try and live off of passive income?<p>The answers to those questions will shape your decisions, whether or not you're thinking about them. If you do think about them, you'll have a better shot at structuring a good outcome for yourself.<p>Based on your post, it sounds like you currently want to double down your current income on the hopes of getting 'rich'.<p>Here's what I'd guess: I'd guess this is your first 'business' venture. It's gone really well. You are used to seeing such rapid returns in business because it's all you know. You are now trying to invest more money than you previously have (since your time was not previously worth $24k / month), and trying to get the same rate of return.<p>You will do yourself a huge favor if you give up on this plan. It is incredibly unlikely to happen. I'll be clear: my guess is that you are currently experiencing the best ROI you will get in your entire life. Never again will you see these sort of _percentage_ returns on your money.<p>That's of course very different from what sort of _dollar_ returns you may see.<p>If you're able to give up on your high ROI dreams, you'll be doing yourself and your family someday a giant favor.<p>Now, if you're still on board with me, you're wanting to invest this money, but you understand you need to follow the basic rules of capital, make sure you can preserve your capital at all costs, and need some way to deal with your total incompetence in the area of financial investment, while learning, and without losing your nest egg.<p>Simplest advice here is to 1) choose some areas you're interested in, 2) give yourself a couple _years_ to fully deploy the capital in those areas of interest, 3) keep 3 to 6 months liquid assets in case your business blows up.<p>If I knew no more about you, I'd probably go with some average of the advice here:<p>Split up your money into<p>a) reinvestment, become an app store publisher or app store angel investor with 33% of your money. Stick with what you know here, and it will magically become investing rather than 'gambling'.<p>b) cash -- 33% toward high liquidity cash alternatives until you've got 6 months or so set aside<p>c) long term investment -- 33% into index funds, split up between national and international super low load index funds<p>Don't forget to hold onto .3-to.4x of (Revenue minus a) for taxes, or .4xRevenue depending on how you structure your investments.<p>So that would equal like:<p>$24k<p>- 3k living expenses<p>- 7k deductible investment (a-la signing up apps to publish them)<p>- 7k taxes<p>- 3k cash<p>- 4k long term investments<p>----------------------------<p>super-smart young business person.<p>That's not quite what my upper paragraph math was, obviously the more you can put into the deductible column, the more efficient you'll be. You could rebalance it to like 4.5/4/5 or so with the balance going to taxes, if my back of the envelope calcs are accurate.