When you have an emergency fund, you are preparing for the worst scenario. We all hope for the best, but you don't prepare for the best. If you do, it is likely you will put yourself in a real bind. If you start with a good nest egg and keep adding to it, you will have the money to pay cash for your next truck, when the time comes to trade, if you have been fortunate enough to not have any major expenditures. If you don't have big truck payments, you can afford to sit at the house when things are slow or rates are low. If you have big truck payments and don't have a good emergency fund, then you will feel that you need to continue running, regardless of how much a load pays. Turning the wheels is not necessarily making a profit. 8)
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