My company offers a 401k, but does not match, and we can’t choose individual stocks (we’re stuck with mutual funds). Should I stop putting money toward my 401k and instead, set up another kind of account? Which kind?

I'm not a fan of 401k plans because they assume you are incapable of making your own investing decisions, so they force you to give your money to the mutual fund managers and then you could end up with a zero return for 20 years or so.

Having said that, however, if they are matching funds it's a good deal and if you can, get a SIMPLE IRA plan put together in your business. You can bank some serious money pre-tax.

For more on this topic, see Chapter 14 of my book.  Depending on your income level and access to certain types of retirement accounts, your situation may be different. There are many difference kinds of IRAs, each with its own features and limitations. An accountant can also help you determine which one will be best for you.

The key is to have the most tax-saving account possible and be able to freely buy whatever you want in the market with no restrictions. You want the account to be "self-directed," meaning you control it.