TEXT: Michael Maher, co-owner of Taylor Stitch, poses for a portrait at his shop in San Francisco. Saving for retirement just isn't a priority for Michael Maher, 28, co-owner of Taylor Stitch, a four-year-old clothing retailer based in San Francisco. He and his partners used their own savings to start and build the company, and they're relying on their cash flow to buy inventory and run the business.