Chapter 1-Becoming an owner-operator
Take time to prepare in every way for this big step.

Chapter 2-Selecting a business services provider
Picking this financial lifeline involves more than just tax-preparation concerns.

Chapter 3-Creating your financial map
How to build a strong owner-operator business plan.

Chapter 4-Bookkeeping
Tracking progress, filing income taxes and maximizing your bottom line.

Chapter 5-Profit and loss statement
How to interpret your monthly financial scorecard.

Chapter 6-Understanding your earnings
There's more to revenue than pay per mile.

Chapter 7-Managing time
Follow these proven tips on planning your schedule to make more money.

Chapter 8-Understanding costs
Fixed and variable costs affect your bottom line in different ways.

Chapter 9-Controlling fuel costs
Your survival depends on minimizing fuel consumption and getting a fair surcharge.

Chapter 10-Learn where fuel is the cheapest
Pump price can be a misleading indicator of true diesel cost.

Chapter 11-Controlling tire costs
Keep your No. 2 variable expense to a minimum.

Chapter 12-Managing money
Learn the best practices for healthy cash flow, debt avoidance and identity protection.

Chapter 13-Income tax and other taxes
Good planning and record keeping help you keep tax bills low.

Chapter 14-Choosing a business structure
What legal form works best for your operation?

Chapter 15-Buying a truck vs. leasing
Determine your best method for acquiring a truck.

Chapter 16-Choosing a trailer
Hauling your own can increase profits.

Chapter 17-Financing your equipment
Keep your debt low and your credit rating high so you can land a loan with good terms.

Chapter 18-Maintaining your equipment
Routine PM will save money in the long run and help determine when to trade.

Chapter 19-Choosing a carrier
It's expensive to switch carriers, so pick your partner carefully.

Chapter 20. Evaluating carrier compensation
Take time to weigh the numbers and find the deal that best suits you.

Chapter 21. Computer software and hardware
Don't overlook these tools for business, communication and entertainment.

Chapter 22. Using the Internet
Online trucking resources can help you work faster, smarter and more profitably

Chapter 23. Staying compliant and safe
It's up to you to know and follow regulations and practice safe driving.

Chapter 24. Trucking insurance
Understand the types of coverage and what your operation requires.

Chapter 25. Health and income insurance
Paying for coverage of personal risks is a cost of doing business.

Chapter 26. Saving for yourself
The habit of saving for personal goals will pay big dividends later.

Chapter 27. Habits of success
Top-earning owner-operators know these practices work.

Appendix 1: Business planning worksheet

Appendix 2: Vehicle registration

Appendix 3: Resources

Appendix 4: Owner-operator glossary

Appendix 5: Owner-operator deductions