Owner-Operator Money Moves

The money side of trucking nobody taught you. Built by Percy Turner — flatbed owner-operator, founder of Never Turner Round and NTR Academy — around one example operator, Cal, whose numbers run through every module so you can check every step. Module 1: Know Your Numbers — build your real cost per mile, fixed cost per day, and break-even, line by line. Module 2: Rate Math — all-in vs linehaul plus fuel surcharge, the honest all-miles rate, percentage-lease math, and the per-day test that picks winners. Module 3: Deadhead Discipline — what empty miles really cost, the bounce test, weekend positioning, and the reload-first rule. Module 4: Negotiation — floor, walk-away, target, and ask before you dial, a word-for-word broker call script, a rate-con checklist, and detention math worked to the dollar. Module 5: Money Habits — maintenance reserve, tax set-aside, a steady draw, IFTA fuel reality, and what factoring really costs. Module 6: Grow or Stay Lean — second-truck and hired-driver math, and dispatch at 8% of gross costed honestly against self-dispatching. Plus a First 30 Days plan. General education with worked examples — not financial advice, and no income is promised. Run your own numbers; that's the whole point.