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Whew, I'm about to get started in California. Hope I'm not blown off course as well! As I've heard, California is a VERY tough state to do FE in. One problem is the 335,000 licensed insurance agents in this state. Lots of people are just hanging on as well, unfortunately. Lot of people upside down on their mortgages, debt, bills, etc. One tough state.
If you really believe that, do yourself a favor and quit now. Starting a new venture with a defeatist attitude is a recipe for failure.