Would you like to take the money that you saved in a 401K or IRA to buy a business? The problem you will run into is that taking the money out of an IRS savings plan will result in huge penalties and taxes.
The IRS "Roll Over Business Startup" program allows you to unlock your retirement savings to invest in your business tax deferred and penalty free.
YES ! That means NO 10% early withdrawal penalty, and NO taxes.
Now, yes eventually you WILL need to pay taxes on income when your business turns a profit and you take the money out of the business to go on that great vacation you've been dreaming about or your child's college education. Since you wont be taking the money all out at once, you will be in a lower tax bracket.