dependds on your business model. I have a part time accountant and hiring a full time accounting clerk in the Philippines - unfortunately due to heavy competition in the USA and tight margins for service businesses, I think most small businesses cannot afford things like bookkeeping and HR internally until they grow to 5 mil and above revenue. Also regarding QuickBooks - you need that plus plenty of custom reports in excel etc to present data the way you need to.

I would say just put it into s&p and just enjoy the modest return, because other ideas require a fairy tale person that is willing to at least learn something, or show that they’ve ‘taken an interest’ in something. this fairy tale person literally has done zero with their life and shouldn’t own a business or come into the conversation until they’ve done some homework.