A small business is not a way to save money. It is not a way to prepare for retirement. What are you going to do if a smarter, lower cost way to print textiles puts you out of business? It might happen. Prepare accordingly. If you pay yourself, say $50,000 each year out of running your business, put away as much as you can into a nice mix of the stock market and CDs, because it sounds like you hate risk. Also, please, please, please do not forget that you can start a SEP or put $6,000 a year into a ROTH for your retirement. You have lots of good options.