I have established an LLC for my online business. I am the only member and the LLC exists primarily for tax purposes. I don't have daily checking needs, and prefer to keep cash invested at least in a MM. I am curious if anybody has a business investment account as the primary bank account for their business, that they receive their online payments into and whatnot. Does the IRS have any concern over this?

I’ve been a business owner since I left school 13 years ago. I started an e-commerce clothing business while in school which supported me enough to go full time once I left school (although I was still living with parents then so my bills were minimum). 5 years ago during Covid I started a new business (jewellery e-commerce), the first year it blew up and I made about £90k revenue (which was a lot more than my previous small business). After Covid sales dipped but it recovered and now my business makes around £200k revenue a year but I still constantly worry about sales drying up and my business failing. I’ve always been able to pay myself (I run my business alone) and pay all my business expenses and have decent personal savings and a good cash buffer in my business account but it feels like the last few years due to the quick growth it’s just constant money coming in and money going out without seeing my business bank account grow by a massive amount. I know lots of small businesses lose money so I’m glad I’m still profitable but even still it feels like it’s just constant worry about money and if my business will fail. Anyone experience this and have any tips to deal with it? I think because I started my business from school and have never had a ‘normal job’ I wouldn’t have any idea what to do if my business did fail so that adds to my worry. Need some advice from fellow small business owners, is this worry normal?