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Most who try fail due to poor planning.
That and no work ethic! There have been a few people that I have seen come and go in this business that start out talking about making their own hours. The 3 - 5 yr time line is just about right until you have a good base built up, and referrals coming in regularly. You have to put 150% into this business to be successful starting out. Then if you want you can start enjoying the flexibility that many people talk about. Problem I see is so many Agency owners are always on vacation... if they are never in the office they better make sure they have a great office staff or their book that they built will slowly fall apart. I know a Nationwide agent who's is falling apart, know a 2 allstate agents books falling apart...they think the sky is falling. We had a great year...difference is the agency owners are not there most of the time they are to busy doing other things.