Five years ago, Lois O’Neill found herself at a dead end. Her life had come down to a divorce, an unrewarding office job and three children to put through college. So, she took a small inheritance and bought a bread delivery route in Bergen County, New Jersey, for $18,000. She began going to work at 1:00 A.M., seven days a week, wearing a sweat suit rather than the high heels to which she was accustomed. It paid off. By dint of hard work, she increased her number of stops to 45 from 20, thereby raising her annual income to $80,000...