Unfortunately Shawnee, there are too many new owner operators who confuse cash flow with profit. Just because you have money in your pocket doesn't mean that you should spend it. I would like to see money management taught in schools. I think the problem with some of these people is that they don't understand the basics of money management. They also don't have any self discipline. They want something, so they buy it, whether they can afford it or not, even if they don't need it. They fail to see that there are consequences to their actions.