If you have enough clients to keep you busy, you must be making a good living, right? Well, not necessarily. Some of the busiest professionals around aren't earning enough to pay their bills. On the other hand, there are some consultants, coaches and other service providers who have plenty of time on their hands but also earn quite a bit of money.

The difference between the income levels of these two groups isn't just because one group is better at marketing than the other. The difference is in their business models.

Simply put, your business model is the answer to the question "How do you intend to make money?" It's your plan for how you will generate sufficient revenue to meet your expenses and earn a profit.

Unfortunately, many independent professionals don't actually have a profit-making plan. And some of those who think they have one are relying a bit more on magic than they are on statistics.

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