Simplified Calculation of Amount at Risk (Form 6198)

No.  As  an independent contractor you need to check YES  All investments are at risk.  Then you shouldn't get the form 6198 questions.   If you have money not at risk you can not take a loss on schedule C.   If you don't know what it means then probably All your Investment is at Risk (check Box 32a). It means you are using your own money for the business. People usually check the wrong box.

As a self-employed person, you can say that all your investment is at risk.

If your business did not have a loss, you are not required to file form 6198, and should not have to answer these questions.

Thank you