most agents did not have $10K in the bank when they started.
I think I had $20k in an IRA (which I depleted) plus about $30k open credit on cards. Went through all of that my first 12 months . . . took maybe 4 years to pay off the credit cards (I was still plowing as much as possible into my business, taking bare minimum for living expenses.
Changed direction (all insurance) 3x before finding a home with Medicare 12 yrs ago.
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