Not sure which direction to go. Some say - do both... but I need to focus on one and gain traction before getting twisted up with two in the beginning. FE-Great upfron $. Supposedly pretty bad renewals. MS - low up front but pretty good residuals. The knock on MS is you better have another stream on income cause it's starvation mode for 6 plus months. Frankly - I live in a very cold weather state -- winters can be very long--very. Driving around in -21 , -3 , -6 degree weather with severe wind gusts doesn't appeal to me. not to mention the traffic danger.. BUT - there are reps doing it in my area. upper Midwest - close to MN.. That $$$ in FE is very attractive though. Anyway -- looking for some insight from anyone who's experienced with those two fields.. Choosing a good IMO/mentor is the next hurdle. LOTS of mlm'ers on here.. I hear having a mentor is crucial to success. Anyway--any thoughts..