The last time I lost sleep thinking about a business venture, I quit my $90,000/yr job at a large Fire Dept and went out and bought a dump truck and trailer (big thing in the Pacific NW) and started hauling big rock. Let's see...startup costs? Just the basics. No micellaneous. '93 Mack 4 axle dump...$65,000 Pup Trailer....................$ 5000 Heavy equipment trailer $8000 Put 20% down on the truck and paid cash for both trailers. Rate of pay..72.50 hr Expenses... Fuel $150 every other day Licensing and extra tonnage $3600 every six months Truck pmt. $1800/mo Insurance $780/mo for all equipment Tires (caps) $200 ea. Oil change and service every 5000 or so miles $460 Run 6 days/wk 14 hr days. Not all paid. 12 if you're lucky. Break down (busted axle..flat..air leak..DOT..) you get the picture? I knew all the expenses going in. The one thing I didn't plan on was getting jerked around when it came time to get paid. I was being expected to be able to carry myself 90 days in the extreme before the checks arrived. You complain, they get someone else. You do eventually get paid though. I lasted two years, lost a lot of money, and went back to fighting fires. My situation is truly a case of Golden Handcuffs. Great job. Lots of fun. It's time to move on for reasons of my own. I plan to move to Florida shortly and am looking strongly at this business. I have been reading these forums for about a week and have developed a tremendous respect for professional LCO's. I know some may think I'm twisted to leave such a well paying job but I learned the following thing from the dump truck biz...no matter how much a pita the operation was, it was my first taste of being in business for myself and I have never forgotten it. I loved it. I have no problem working hard if that's what it takes. I also learned the big ones... Pay your taxes and stay out of debt. I'm doing my homework now on this business, and if I do decide to join your ranks, I hope to do it justice with a professionally run business. Thanks to all for all the valuable information on this site. I couldn't find anything like this when I was considering the dump truck business. Thanks.