Hello guys, I'm brand new to the community but have been following for a while this forum. A little background: work as a car salesman making $80k/yr working 65 hrs a week, live with parents, no kids, young, go to college full time (online and presencial). My friend that works at an insurance company makes over 200k a year, and work less hours and remotely (going to dealerships, getting referrals and so) and this inspired me to be in that position, so I've been studying getting ready to get licensed as a P&C/L&H producer for an agent, then get my own agency. As a car salesman, it's required to work many hours to meet some quotas (deliveries, follow-up, demo) and since my inception a year ago, I've been exceeding the quota by 200% every single month. However, I was thinking if I work smarter instead of harder, it will bring me good things down the road. So I applied to State Farm and received an offer as a Producer, with a nice schedule but a $30,000 base salary and 3% on the front on P&C, 0% on the back. And 30% on the front for L&H and 0% in the back. Meaning, no residuals and low commision that will get me (even exceeding quotas) at $60,000. However, I will like to hear my fellow insurance professionals and see if I should take this small cut in the salary but big break in the schedule as a learning experience and then move onto my own agency; or if I should start my own agency as an independent from the get-go. My sales experience is a rewarding one and very confident I can succeed. I'm in New Jersey and soon-to-take my licensing.