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

Chapter 2-Pick a business services provider
There’s more than tax preparation involved in this financial lifeline.

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

Chapter 4-Bookkeeping
It’s critical to 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-Be a meter reader
Tap into your electronic control module for a wealth of data.

Chapter 13-Managing money
Learn the best practices for healthy cash flow, debt avoidance and identity protection.

Chapter 14-Income tax and other taxes
Good planning and record keeping help you keep tax bills low.

Chapter 15-Choosing a business structure
What legal form works best for your operation?

Chapter 16-Buying a truck vs. leasing
Determine your best method for acquiring a truck.

Chapter 17-Choosing a trailer
Pulling your own can increase profits.

Chapter 18-Financing your equipment
Keep your debt low and your credit rating high so you can land a loan with good terms.

Chapter 19-Maintaining your equipment
Routine PM will save money in the long run and help determine when to trade.

Chapter 20-Choosing a carrier
It’s expensive to switch carriers, so pick your partner carefully.

Chapter 21-Evaluating carrier compensation
Take time to weigh the numbers and find the deal that best suits you.

Chapter 22-Computer software and hardware
Don’t overlook these tools for business, communication and entertainment.

Chapter 23-Using the Internet
Online trucking resources can help you work faster, smarter and more profitably.

Chapter 24-Staying compliant and safe
It’s up to you to know and follow regulations and practice safe driving.

Chapter 25-Trucking insurance
Understand the types of coverage and what your operation requires.

Chapter 26-Health and income insurance
Paying for coverage of personal risks is a cost of doing business.

Chapter 27-Saving for yourself
The habit of saving for personal goals will pay big dividends later.

Appendix 1: Business planning worksheet

Appendix 2: Vehicle registration

Appendix 3: Resources

Appendix 4: Owner-operator glossary

Appendix 5: Owner-operator deductions