Bubba,
There are 4 of us in the company, plus my wife does the bookkeeping part time. (She Gets Paid For It by our company) We have health insurance, paid vacation, paid holidays, profit sharing pension fund/401K. The guys all take a truck home at night. We have a 2400 square foot shop. We pay an accountant to calculate our taxes at the end of the year and do financials. We pay unemployment taxes. We have a $2,000,000.00 Liability policy and have workers compensation insurance. We carry $1,000,000.00 Vehicle insurance.
Most of our service calls are over 1/2 hour, but some fall under the minimum charge for labor. I don't care what you charge, i charge what I need to to make a profit, not what you need.
Our replacement systems have been 13 SEER and higher for years. We do air balancing, mold prevention through humidity control, crawlspace encapsulation, residential and commercial service work. We DO NOT do new construction, not enough money in it.
I make more money than I ever did working for someone else, and will make still more as the company grows.
Maybe you need to worry about yourself more instead of judging people who do things that you can't.
Stretch