Exactly. I've already had money in the bank in my mind that never materialized. Anyone considering the business has to understand that only a percentage of that which looks promising will materialize. How much that percentage is depends on YOU somewhat, but it will never be near 100%. And, once in a while, you get something that you didn't think would amount to a sale that wants to buy, but that doesn't happen nearly enough to offset the disappointments.
I think this is one reason shooting for 10 applications a month in the life buisness is a good goal. I personally don't see the vast majority or agents hitting this, but if you get 5 out of 10 you can still do well. Those agents that are doing 10+ apps a months are the ones not complaining about not having enought commission.