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That has to be a huge advantage. Easy for people to say you need to buy leads every week if you have a spouse that can pay the mortgage and has benefits at their job. Empty nesters would also have a lot less responsibility.
If you can't buy leads every week...don't get in the business. This is a business and in every business you have to be willing and able to invest in it. The reason most businesses and visa vi insurance agents fail...would be because they are under-capitolized. Either that or they are lazy and can't get out of bed and go see the people.