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Everything a trucker should know. One place.

Per diem, taxes, retirement, your medical card, your rights when a carrier pushes you, money for when you get hurt, and what your state owes you. Written plain, with the official link next to every claim.

Pick the thing you need

$80a day, no receipts
MoneyPer diem at $80 a day, the deductions owner-operators miss, quarterly taxes, retirement accounts that fit a 1099 life, and the filings a new authority needs.
2 yrsa clean medical card
Health and your medical cardWhat shortens a DOT card, the 2026 electronic medical card change, health insurance when the carrier gives you none, and the funds that pay your bills when you are hurt.
90 daysto file a coercion complaint
Your rights on the roadThe coercion rule, how to file against a carrier or broker, DataQs for bad inspections, broker bonds for unpaid loads, and parking.
11 / 14the hours of service clock
Hours of serviceThe numbers, the 30-minute break, the 34-hour restart, the sleeper split and the exceptions, on one screen.
Level IIIthe stop you will get most
Inspections and the scale houseWhat each level covers, what puts you out of service, Roadcheck dates, and what to keep in the binder.
0 testswith the military waiver
VeteransSkip the CDL skills test, get the GI Bill to pay for school, and the VA benefits most drivers never claim.
49states, one page each
Your stateAll 49 states we cover: the CDL office, the military waiver page, and your state veterans department.
211when money is tight
When money is tightBehind on the truck, the bills or the IRS. The order to do things in and who actually helps, no judgment.
r/Truckersa year of threads, answered
What drivers actually askOwner-op or not, lease-purchase, blood pressure and the card, owing the IRS, home time, breakdown pay.
A to Zthe alphabet soup
GlossaryIRP, IFTA, UCR, 2290, BOC-3, PSP, CSA, ELDT and the rest, in plain words.

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What per diem is really worth to you

If you are an owner-operator or 1099 driver who sleeps away from home, the IRS lets you deduct $80 a day for meals and incidentals without a single receipt, and 80% of it counts. Put your nights in and see the number.

W-2 company drivers cannot take this on a federal return. Partial days (the day you leave, the day you get back) count at 75%. Source: IRS Notice 2026-60.

Why this exists

I work with truckers every day on the retirement side, and the same thing keeps coming up: nobody ever showed them what they already had access to. Not the per diem. Not the medical card rules that cost them a year. Not the fund that pays the mortgage when they are laid up. So I had my team research all of it and put it here, with the government link next to each piece so you never have to take my word for it.

Nathaniel Ruiz, Innovations Financial. More about me and how I checked this.

$75,000the bond every broker has on file. Unpaid for a load? That is who you claim against.

$72,000what a Solo 401(k) or SEP IRA lets a self-employed driver put away in 2026.

365 daysthe window to apply to the St. Christopher Fund after an injury or illness takes you off the road.

Oct 12, 2026the day the paper medical card waiver ended. Your examiner now files it electronically.