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That additional 20-30% haircut always seems to be recommended by the "more experienced agents" on here who are now QUASI-recruiters with links to their "training" in the signature.
Learn most from pounding the pavement followed by asking experience based questions here on the forum and then sift through lrecommendations to try when you get back to pounding the pavement.
1. Did you get licensed, drop mail, and then "hit the pavement" the next day without having an agent work with you or take you on a ride along?
I ask because there are VERY few that seem to able to do this and succeed in the FE industry.