This year I lost my biggest account, Sugarcreek Packing in Dayton Ohio. Plus two of the board member's homes one in Beavercreek, the other in Springfield. I also had to stop mowing a little daycare across the street from Sugarcreek. All together it was about $25,000. I had tears in my eyes! I laid of my Son. And worked solo at what I had left. So now it's the end of the year. My wife who is an accredited accountant/bookkeeper/tax preparer, says I profited MORE this year than before! And I'm doing less work! Eliminating payroll was the biggest savings, but that was less than $10k. It was putting an extra 100 miles a week on my truck. And it's a bit of a fuel hog at 10 MPG. I thought maybe my wife was just trying to make me feel better, because I couldn't figure out where the savings was. But taxable income is UP! And the figures don't lie. The truck is now paid off, so I actually have fewer deductables. The lesson I learned was LISTEN TO YOUR ACCOUNTANT. She'd been complaining about overhead for years. Now I'm working less, less wear $ tear on the equipment, and the life expectancy on the truck is about doubled! Any comments or experiences along this line?