For investing purposes, you need to decide on your ideal asset allocation plan in percentage of bonds and stocks broken down into as many subcategoies as you like. Then you need to list your current investable assets (which does not include your car or business, you can either include the emergency fund money in your bond allocation or just ignore it entirely). Finally you have to figure out how to make your current investable assets match your ideal plan.

Depending on how much you can contribute each month, minimum account balances and the like, it could take as much as a few years to get to where you want to go. But at least you’ll have some concrete goals and you’ll be able to measure your progress.