If the economy is indeed slowing down, wouldn't it be nice to have some money set aside?

Don't add new money until the company has its compliance under control.

The bright side is you're getting good companies at a fraction of the cost.

There's no Plan B. So you're a little more exposed.

The longer you leave it in checking, the more likely it will vanish.

If your mind is clear as to what you are trying to do, if you can say what you want out of life and make your money move in that direction, you will be happy.