<prompt> Human: My husband and I own a business, but were still relatively new to this. Do business owners have any benefits at all in the United States? EDIT: Thank you everyone for the answers!  <response>: Solo 401k Solo Roth 401k is probably the best option for small business owners right now, unless your business generates a lot of income and you are about 15 years from retirement. In that case a defined benefit plan might make sense. You can put away much more money per year and shelter it from your high tax bracket. 