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Ok, let's talk about money then. How much do you think the average agent makes a year? And you can't save your way to retirement! You better have money invested somewhere making an income!
I talking about smart, hard-working agents. Not average ones. An average agent is never going to build a down line that carries him into retirement.
Any smart hard working agent that sells insurance for several years is going to be earning $100,000+ annually after several years in the biz. Many earn much more.
Anyone with a decent income can save for retirement. And yes by save it likely means invest or at least sell yourself annuities each year if you don't invest.
Would you trust your annuity income in retirement or your income from down line agents?