Let's not forget about health insurance, liability insurance, workmans comp, tires, tracks, oil, hoses, trucks, trailers, welders, the always friendly commercial vehicle enforcement folks, azz hats that leave on Friday with a paycheck and $200 worth of your tools in their pockets...never to answer the phone or return to work again, customers that don't pay/slow pay, suppliers that sent the wrong materials because numb nutz that left with your tools 3 weeks ago runs the forklift on their yard now, the hundreds of hours a year spent bidding jobs that were a waste of time and you knew it before you bid them but didn't want to come of as a jerk, the employee that drives the truck back to the shop with the park brake on at least once a year, customers that want to do their own clearing and never get it done, etc, etc, etc. Yep. It's like free money.