While saving up for retirement is the safest option for a small business owner, you may also want to make sure that your business is viable even if you leave. If your business can’t run without you, it’s unlikely that it will have a very high value if you decide to sell and it may be hard to keep afloat if you pass it down to a family member. Instead of spending all of your time working within your business, you should focus time working on your business to make sure that it can run smoothly without you. If your business model doesn’t allow the business to run without you, there’s even more reason to make sure you have a solid retirement plan in place.