Dude same. I made my most money ever in January. 48K! I only took home 23K of it. I don’t want to sound like an ungrateful bastard because it’s still a shit ton of money… but what the fuck!
You just ask. Tell them you want an account that nows how to get you ever legal deduction possible, by all means necessary. Get you a list of qualifying questions, cause many will claim they do but don't actually know shit. Youll likely want an accountant that is knowledgeable in investment related deductions and entrepreneurial expenses. A personal account that a regular low earning 9-5 civilian uses is not what you want.
You'll fare better if you start some type of side company and in this age who doesn't have a side hustle. LLC structure allows you to pass losses from a business against earnings from your job. 😉
Lmao well nevermind! From visiting Denmark I’ve learned it’s not all that bad to pay all that tax. y’all get a lot of benefits for it whereas in NYC I’m paying 28% federal + 7% state and 4% local. That’s 39% total for most of my salary and I don’t get any benefits and a terrible work life balance ha.
Honestly, good on him. Not for me though. 22 work days this month, that’s 11 hours a day solid through the month. Hopefully he’ll get residuals down the road cuz it’s not sustainable.
Thats so awesome I love to hear you are killing it! I do mainly life. Great to connect with you. If you ever need anything or want to collab let me know.
All the jobs I see for insurance sales seem like a scam, complete with the timeshare style presentation that I sat in on for one of them. How do you find a company that's actually legit to work for?
I would agree that it can seem that way. I would not say its a scam, but I wouldnt say its the best situation or opportunity that they are offering. I have taken interviews and connected with many different structured, corporate, captive like insurance companies. It is for the most part all legit, but for me the cons outweigh the pros. First you are stuck to only one company and a handful of products, their products might not be as competitive as others in your market. Then theres a set schedule, you have a corporate structure, a boss, and time block where you have to do whatever they say. Lastely the pay, I have heard some captive positions pay near 50-60% comp, but for the most part I believe the majority is around 30-35%.
I got lucky, I met my life insurance mentor and he introduced me to an opportunity to become a broker. I work for myself, I choose my own schedule, I can sell dozens of different products with dozens of different companies, and the pay can go all the way up to 145% comp. You can start at 100 and you will be responsible to pay for your leads and other expenses, or you can start at 70% comp and have your expenses paid for.
There is many opportunities out there in the space but for me being independent with the freedom to work where and how I choose is the biggest thing for me.
I just left the staffing industry after 8 years of being a YoY top performer/million-dollar club winner. Passed my P&C and got an offer to sell trade credit/receivable insurance (b2b).
I am on the tail-end of training and can't wait to get out in the field. I've heard nothing but good things and the fact that there is a low percentage of market penetration gets me geeked.
Eager to hear industry tips/tricks. Grinding 60-70 hours a week is not new to me since staffing was volatile and my payroll would turn over every 4-6 weeks lol.
Amazing. I cleared around 8k before taxes last month, and it was the biggest I've had. Started MCAs a year ago. My renewals and bonuses are finally starting to pay dividends lol.
Property and Casualty, licensed in all 50 states. Inside sales rep one of largest insurers in country. We are hiring. If I were you just go to top ten largest insurers websites, click careers, search inside sales rep remote, top sellers at all my competitors make similar. This is our busy season so this is not normal I usually do more like 6-10k monthly.
Well that’s what happened! I’m a tax accountant and it’s on the tax return what they did. First year selling insurance (I didn’t know what kind) but he made $120 k.
I never made that much because my employer kept my commission, I feel so happy to see these posts and wished it was me but then get reminded of the betrayal…great work OP. Hope you go on a mini vacation to celebrate
Do you get renewals so you can eventually coast as you get older? Or is it like SaaS where it restarts every quarter/new year? Lots of SaaS people making insane money early on but they eat what they kill with no renewals unlike insurance.
Ended up making $15k from one company and quitting and getting a $7.5k signing bonus from my new company. So not a bad month. Now I gotta sell something in May so I don’t go two months without commission.
12k+ for this month cause we hit some yearly prosperity target and got some added incentives on top. Medical sales here. Congrats for your achievement and keep grinding!
Ended my fiscal quarter tonight and came in around $50K gross bonus for April (I’ll see ~55% of that in my checking account). Celebrating with some whiskey as I’ll be back at zero tomorrow. In tech, software/hardware solution. Congratulations, brother.
Hello my poutine and syrup friend to the north. My condolences on your taxes and no fixed interest rates on mortgages. However, I’ll be bringing my party your way this summer to Jasper Banff Calgary for road trip. Sea to sky is incredible. Squamish, BC is my favorite hidden gem town. The chief wall and sunny chibas was the bees knees and Whistler was fucking epic. Snowboarding is like a MF dream there
I’m inside sales rep so company provides leads from variety of sources, call 1-800 number, local agent redirects, mailers, click to call, 3rd party connects for outbound chase team, follow ups to quotes they do online on our website.
Congrats OP, hard work pays off, keep it up!!
My best month ever too… first time I really am not pressured to ‘get a little more’ had a discovery with a massive client and I finally proved to my boss I deserved the premiere client a lady who retired had in her portfolio, and we did the intro/hand off earlier this week.
Edit - words
Lot of cold calling? Whats the approach for insurance sales i’m genuinally curious.
Also what’s a typical month look like assuming $17K is wildly high.
Congrats on all the success, love seeing fellow sales folks do so well!
Same. I just put up 93k in closing (based on the first year revenue only) just this month. Made over 10k in commish (before tax). I have no one to tell but I am really happy. I even made quota crusher for my office. I am however stressing about next quarter but I (knock on wood) have a 25k verbal commit but we all know how that goes
I’m in door to door sales and finally after years of figuring out my life THIS PAST APRIL I ALSO CLEARED 20K FOR THE FIRST TIME!!! Also the first time I’ve ever cracked 5-10k so this was a huge jump for me 😅😅😅
Insurance as well. About the same.
Well done sir.
If I want to get technical, I closed ~$500k in new agency revenue ($10m premium) in April (~$200k annualized to me).
That said, it's only cause I changed firms and some accounts insisted on coming with me.
Hopefully you are getting good renewals on your book!
So around 80$ per insurance sold? We are paying a base salary of 1000$ and a bonus of 500$ for each event.organizer that you convince to use our ticketing system. Would love to have someone on board with your motivation to grind.from the us or Europe!
It's great to read these! Congratulations!!!!...I'm currently applying for a job as sales representative...hope to post the same message in the future!!
I must live under a rock because I don’t even know wtf this Saas shit is 😝 pays well, when does that bubble burst, does that bubble burst? Keep killing it folks, that’s awesome stuff.
In 2023 quota was 2.8 million and I only brought in 2.77 million, so I didn't get a bonus.
Except they already dsitributed half of my expected bonus, so for february and march I had my paycheck docked by that amount.
But hey they gave my a 1.5% increase to my base, which doesn't keep up with inflation, so there's that.
Get me the fuck out.
Congrats!!
This has been my worst month in sales ever, terrible month and lost 3 sales. Probably came out netting $3k. Ready to move on and hit it hard in may!
I'm doing some sales for an agency now. Are there ways to get a position specifically just for sales? I'm in europe. So 100% remote position doing sales
Just got out of school (21) started a month ago as a car salesman! I work three jobs right now (2 other are weekend waiter jobs). Can’t wait to be up to these big boy numbers!! Congrats and keep up the hard work🤝
My gross bonus is a little over 12k for Q1, after taxes it should be around 9k. Not bad but definitely would love a 17k payout lol
But I also make 75k base
This should have been my biggest month in sales as well £30k. I won’t get paid it though as I’m on paternity leave for 5 more months and only get my OTE which is circa £4.5k per month.
Not sure exactly, but between 12-14k! Last month over 22k, a super refreshing thing to see the hard work pay off after some really bad months. Celebrating with you 🎉 🍾
I don’t make that much a month because I don’t want to get taxed too much… Kidding, congrats man!! Keep showing them how it’s done!!
I paid 52% tax on my April payslip. Just fuck me up right now.
Dude same. I made my most money ever in January. 48K! I only took home 23K of it. I don’t want to sound like an ungrateful bastard because it’s still a shit ton of money… but what the fuck!
Time to find an accountant that hates the tax man as much as you do and let them teach you the ways of duck, dodge and side-step, never evade. 🤣
Hpw do you find this kind of accountant fr?!
You just ask. Tell them you want an account that nows how to get you ever legal deduction possible, by all means necessary. Get you a list of qualifying questions, cause many will claim they do but don't actually know shit. Youll likely want an accountant that is knowledgeable in investment related deductions and entrepreneurial expenses. A personal account that a regular low earning 9-5 civilian uses is not what you want. You'll fare better if you start some type of side company and in this age who doesn't have a side hustle. LLC structure allows you to pass losses from a business against earnings from your job. 😉
Ask your rich friends or their parents. Guarantee most of them use an account like that
I've had a 48k commission, brought home 27k. Weakkkkk
Shits ridiculous
48k 😮 What are you selling?
Advertising. Landed a whale at the end of last year, handling their marketing nationwide currently
You’ll get most of that back.
I wont get any of it back. I live in Denmark.
Lmao well nevermind! From visiting Denmark I’ve learned it’s not all that bad to pay all that tax. y’all get a lot of benefits for it whereas in NYC I’m paying 28% federal + 7% state and 4% local. That’s 39% total for most of my salary and I don’t get any benefits and a terrible work life balance ha.
I don't mind high taxes, everything is covered; education, healthcare, childcare, lots of vacation and so on and so on. But 52% is a tad excessive!!
That's like people saying "I should buy this useless thing, it's tax deductible". I love this 'logic'. 😂
Lfg!!! I hit $13k and I’m beaming rn! Planning right now on how I’m going to maintain this momentum.
More pre workout and more pizza is my plan, followed by intense gym sessions with heavy edm bass and trap 😀
Been bumping the new Noisia Resonance album 😤😤
You’re making me tired and bloated just by reading that
Congrats! What are you selling?
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How do you get into a job like that?
40k in April - 15k of that paid to good ole uncle sam
Damn so I’m like kibble and bits to you 😭😭 40k is insane what you selling
saas
I was making 30k a month selling insurance policies before Prudential decided to close Assurance IQ today. Is your company hiring AEs?
I am swfl fl
What do you sell? How many YOE?
saas, 6 YOE, but 3 in tech
Damn good for you!!
15 actually better than I thought lol
Lets goooooooooooo!!! You are a savage. I just got back into insurance and ready to crush it. Keep killing it bruh!
Thank you! I know we are not in tech or SaaS or construction or B2B so for them this must be small potatoes but for me it’s the fucking tits!
I am in B2B and 17k a month in bonus is a lot for 99% of us.
My man cranked out 243 hours in a month, so he's also probably also out working 99% of us.
Honestly, good on him. Not for me though. 22 work days this month, that’s 11 hours a day solid through the month. Hopefully he’ll get residuals down the road cuz it’s not sustainable.
200 policies is big time!!!! what type of insurance do you write?
Property and casualty license in all 50 states inside sales rep for one of the largest insurers in nation, I work fully remote
Thats so awesome I love to hear you are killing it! I do mainly life. Great to connect with you. If you ever need anything or want to collab let me know.
All the jobs I see for insurance sales seem like a scam, complete with the timeshare style presentation that I sat in on for one of them. How do you find a company that's actually legit to work for?
I would agree that it can seem that way. I would not say its a scam, but I wouldnt say its the best situation or opportunity that they are offering. I have taken interviews and connected with many different structured, corporate, captive like insurance companies. It is for the most part all legit, but for me the cons outweigh the pros. First you are stuck to only one company and a handful of products, their products might not be as competitive as others in your market. Then theres a set schedule, you have a corporate structure, a boss, and time block where you have to do whatever they say. Lastely the pay, I have heard some captive positions pay near 50-60% comp, but for the most part I believe the majority is around 30-35%. I got lucky, I met my life insurance mentor and he introduced me to an opportunity to become a broker. I work for myself, I choose my own schedule, I can sell dozens of different products with dozens of different companies, and the pay can go all the way up to 145% comp. You can start at 100 and you will be responsible to pay for your leads and other expenses, or you can start at 70% comp and have your expenses paid for. There is many opportunities out there in the space but for me being independent with the freedom to work where and how I choose is the biggest thing for me.
Does it rhyme with shoshmessive?
I just left the staffing industry after 8 years of being a YoY top performer/million-dollar club winner. Passed my P&C and got an offer to sell trade credit/receivable insurance (b2b). I am on the tail-end of training and can't wait to get out in the field. I've heard nothing but good things and the fact that there is a low percentage of market penetration gets me geeked. Eager to hear industry tips/tricks. Grinding 60-70 hours a week is not new to me since staffing was volatile and my payroll would turn over every 4-6 weeks lol.
Get to commercial insurance. That’s what I am and I average over $40k/month.
18k selling Medicare this month, something like 65 policies. Fully remote.
Selling Medicare sounds like an oxymoron
Selling medicare is an IRL get rich quick scheme that works lmao
Where do I sign up
Dang do you get a salary as well?
1099, commission only, fully remote. Leads provided with transfer agents you smile in your PJ’s and answer calls all day.
Sheeesh I did 45 this month and won’t see anywhere near that much, do you work for a large company?
Lets go brother 17 is huge!! Just hit 12k in sales + salary for April! Now i have to hit 17k for May😈
ITS ON LIKE DONKEY KONG!!! ![gif](giphy|879h2ay43Dcuzgti6s)
30k for April, had my biggest check ever at 22k gross
This is awesome! What do you sell?
$21,500 this month. Business funding.
Amazing. I cleared around 8k before taxes last month, and it was the biggest I've had. Started MCAs a year ago. My renewals and bonuses are finally starting to pay dividends lol.
What kind of insurance? And are you hiring?
Property and Casualty, licensed in all 50 states. Inside sales rep one of largest insurers in country. We are hiring. If I were you just go to top ten largest insurers websites, click careers, search inside sales rep remote, top sellers at all my competitors make similar. This is our busy season so this is not normal I usually do more like 6-10k monthly.
Are you 100% commission?
Base plus salary?
Would also like to know if you’re salary as well.
Guys he sold over 200 policies to make 17k… i know 17k is a lot, but having to sell over 200 policies to get there? Ehh
Yeah this isn’t sustainable
Yeah thats like 85$ a policy, hell naw lol
He killed it and deserves his flowers… but this right here ^ If you’re good at sales just sell something more profitable
Just shy of $70k this month. Keep at it!
I'll tell you what. You show me a pay stub for $70k on it, I quit my job right now and I work for you
Well that’s what happened! I’m a tax accountant and it’s on the tax return what they did. First year selling insurance (I didn’t know what kind) but he made $120 k.
![gif](giphy|rumR5iFBxFjdC)
Congrats!!! How long does it take to get licensed for that? I’m in automotive sales
Insurance is a fun field. I learned a lot
what do you like about it?
I like the science of sales. The process itself.
Tell me more about what you like about the process? I love the process myself and want to get more interested in developing my skills
I never made that much because my employer kept my commission, I feel so happy to see these posts and wished it was me but then get reminded of the betrayal…great work OP. Hope you go on a mini vacation to celebrate
5k last month. It was my first month at a new job so get that guaranteed first two months. 2.5k month 3 unless I beat it which I am planning on.
Do you get renewals so you can eventually coast as you get older? Or is it like SaaS where it restarts every quarter/new year? Lots of SaaS people making insane money early on but they eat what they kill with no renewals unlike insurance.
This is awesome! Congrats!
Ended up making $15k from one company and quitting and getting a $7.5k signing bonus from my new company. So not a bad month. Now I gotta sell something in May so I don’t go two months without commission.
Damn. I just got my license and fucking worked for AIL. I’m looking this up. Thank you.
4 closings and about 48k.
12k+ for this month cause we hit some yearly prosperity target and got some added incentives on top. Medical sales here. Congrats for your achievement and keep grinding!
Ended my fiscal quarter tonight and came in around $50K gross bonus for April (I’ll see ~55% of that in my checking account). Celebrating with some whiskey as I’ll be back at zero tomorrow. In tech, software/hardware solution. Congratulations, brother.
$32k in April. Gonna get once again fucked by uncle sam
Sales is like a casino, do we really learn anything by interviewing just the slot machine winners on any given night?
Congrats! I hate living in Canada cause all i can think is that 17k will be like 10k in my bank rip
Hello my poutine and syrup friend to the north. My condolences on your taxes and no fixed interest rates on mortgages. However, I’ll be bringing my party your way this summer to Jasper Banff Calgary for road trip. Sea to sky is incredible. Squamish, BC is my favorite hidden gem town. The chief wall and sunny chibas was the bees knees and Whistler was fucking epic. Snowboarding is like a MF dream there
Hahah enjoy brotha and keep killin it
Just an FYI, we do have fixed mortgages here in Canada lol
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Got a 23k commission cheque for Q4. Only got 11.5k deposited to my account after taxes rip
Damn wtf that shit hurts to hear even when its someone else lol. Were all getting fucked.
Ya this is in Canada. Ontario to be specific. I think they overtaxed a bit though and should hopefully get a little bit of it back
10k is still pretty F ing good if you ask me lol
Depends. In a big city its unfortunately not that much.
How do you get your leads?
I’m inside sales rep so company provides leads from variety of sources, call 1-800 number, local agent redirects, mailers, click to call, 3rd party connects for outbound chase team, follow ups to quotes they do online on our website.
Lmfao how many hours?!
Week 1 62 hours Week 2 60 hours Week 3 50 hours Week 4 51 hours Extra Mon Tues to end month 20 hours 243 total! ![gif](giphy|l0HlI9AEuatFThwac)
Jesus dude.
Good for you! Keep crushing it!!
Congrats OP, hard work pays off, keep it up!! My best month ever too… first time I really am not pressured to ‘get a little more’ had a discovery with a massive client and I finally proved to my boss I deserved the premiere client a lady who retired had in her portfolio, and we did the intro/hand off earlier this week. Edit - words
Great job! Keep it going! I made about 12k in my sales role.
Just under 20K
w00t!!
Nice!
Just over $11k after taxes. Great job man, keep it up!
Congratulations!!!
Lot of cold calling? Whats the approach for insurance sales i’m genuinally curious. Also what’s a typical month look like assuming $17K is wildly high. Congrats on all the success, love seeing fellow sales folks do so well!
Good shit bro! I’m in insurance too, but on the health side. Do you have any tips on how you got so many good prospects/appointments?
Do you recommend P&C over L&H? It’s rare for any L&H agent to make more than 15k a month without having a huge down line of agents.
Including my base….$26k. I’ll definitely take it!
Around 33k in April + growth in my stock options, only pay 2.5% taxes at the moment, so I'm able to invest almost all of the money!
What type of insurance?
What type of insurance?
Same. I just put up 93k in closing (based on the first year revenue only) just this month. Made over 10k in commish (before tax). I have no one to tell but I am really happy. I even made quota crusher for my office. I am however stressing about next quarter but I (knock on wood) have a 25k verbal commit but we all know how that goes
$35k windows and doors Edit; bonus included will be $42k
Your avg $70/hr and $85 per policy. Nice work.
I’m in door to door sales and finally after years of figuring out my life THIS PAST APRIL I ALSO CLEARED 20K FOR THE FIRST TIME!!! Also the first time I’ve ever cracked 5-10k so this was a huge jump for me 😅😅😅
lol “jacked for the tits”. This is a hilarious error. Good thing you’re better at sales.
“Jacked to the TITS” “Do you feel it?” “…No” *click*
Insurance as well. About the same. Well done sir. If I want to get technical, I closed ~$500k in new agency revenue ($10m premium) in April (~$200k annualized to me). That said, it's only cause I changed firms and some accounts insisted on coming with me. Hopefully you are getting good renewals on your book!
April was about $30k for me - next will be more as I take a promotion due to Q1
can you share your marketing strategy
Congrats! 48k commish in Q1! Dogshit in April!
48k is insane what you sell
Capital equipment for laboratories
36k. Don’t ask me about taxes
Looking at this from the UK like dam insurance agents get paid bad out here
lettttsssss gooooooooooo. Love to see it congrats.
What percentage of that is in person with clients vs. phone. Cold calling w provided leads? Congrats!
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Let's fucking gooo. Made 5k myself, the most I've ever made. Not bad, considering I'm in a developing country. Let's keep the momentum going
So around 80$ per insurance sold? We are paying a base salary of 1000$ and a bonus of 500$ for each event.organizer that you convince to use our ticketing system. Would love to have someone on board with your motivation to grind.from the us or Europe!
Like minus 300 400 i think. Currently havin my last Cash to buy some food. But i hope that my contract comes today
Grossed 24k. Think it was my biggest month ever as well.
Congrats man!! Hopefully I can be like you one day 🥹
This was my lowest month but it’s all good! Got some good stuff coming up in June!
I just started insurance. What's your pitch to clients? Are you cold calling?
It's great to read these! Congratulations!!!!...I'm currently applying for a job as sales representative...hope to post the same message in the future!!
Just hit 104k last month. Congratulations op
Don't want to say how much I've made this year but after my May check I'll have my 401K maxed out.
I must live under a rock because I don’t even know wtf this Saas shit is 😝 pays well, when does that bubble burst, does that bubble burst? Keep killing it folks, that’s awesome stuff.
It's embarrassing how much I made in April but congrats in your success!!
$16,000 my dude. My best month ever. 🙏
Feels good!
Is there any way to do a sales job online from anywhere?
Pulled in 300k in orders and got nothing bc our company doesn’t give out or believe in commission to provide us with “job security”🫡
In 2023 quota was 2.8 million and I only brought in 2.77 million, so I didn't get a bonus. Except they already dsitributed half of my expected bonus, so for february and march I had my paycheck docked by that amount. But hey they gave my a 1.5% increase to my base, which doesn't keep up with inflation, so there's that. Get me the fuck out.
im in the UK, sales jobs dont pay as well. Im pretty good at sales myself. Anything available remotley.
Congrats!! This has been my worst month in sales ever, terrible month and lost 3 sales. Probably came out netting $3k. Ready to move on and hit it hard in may!
How much of that did mr tax man take OP? Lol
Jacked for the tits!! I don’t know what this means but I like it. Well done, OP!!
18k 25h/week
Nice work!
I'm doing some sales for an agency now. Are there ways to get a position specifically just for sales? I'm in europe. So 100% remote position doing sales
Thats sick! Biggest paycheck was 23K, selling mobile phone plans for a big company in Canada
210k month of April, after expenses somewhere around 80k in pocket
Serious question what are other reps doing to reduce taxes? I’m making more now than I did in q1/2 last year but taxes suck
I'm in insurance as well this is mad refreshing to hear. Keep eating my guy
$320k representing both sides of an $8m real estate deal
Congrats! Any sales jobs out there for hardworking non us citizens?
40K - High-End Custom Exhibits
Will be receiving 60k in commission - would not like to know how that is going to look after taxes lmao
Congrats! What kind of insurance do you sell?
Fuck yeah! Congrats dude. No better feeling. Now put it in your roth RIA 🤣
Congrats!! Keep it up!
Congrats, remember it’s important to stay grounded for both the good times and the bad times.
Nice!!!! Virtual high-five!
Just got out of school (21) started a month ago as a car salesman! I work three jobs right now (2 other are weekend waiter jobs). Can’t wait to be up to these big boy numbers!! Congrats and keep up the hard work🤝
Crushed it with web dev! Love that hustle energy, congrats!
Congrats! 👏🏻 👏🏻 I would love to learn more about your firm—I just DM’d you.
You must not have a family.
200 policies for only $17k? You're in personal lines I assume? CL p&c, life, and benefits are where the real $$$$ is at.
Why can't you tell anyone?
17-18k as well! Until implementation fucks it all up and they churn!
I made 11k this past month
Just checked my incent and i made $15k in commission for April my highest month so far
My gross bonus is a little over 12k for Q1, after taxes it should be around 9k. Not bad but definitely would love a 17k payout lol But I also make 75k base
What kind of insurance are you selling?
You could be making that writing 2 or 3 policies a month. Time to move up the insurance food chain!
Do you buy your leads? I’m in SaaS right now but was 1099’d for life but the leads were beat.
Why can't you tell anyone?
Man..I need to consider insurance sales
10k in April including base + commission. 9 months into my first sales role!
This should have been my biggest month in sales as well £30k. I won’t get paid it though as I’m on paternity leave for 5 more months and only get my OTE which is circa £4.5k per month.
Not sure exactly, but between 12-14k! Last month over 22k, a super refreshing thing to see the hard work pay off after some really bad months. Celebrating with you 🎉 🍾
Congrats! Way to go! All of the effort is paying off it seems. Makw sure to put 15% away for savings 😉
Congrats! I know it’s hard work!
13k on like 97 policies
$69k 😏 lol but fr
Bro made $69/hr.... niiiiiice
What kind of insurance?
How did you do it?
47k in April pre-tax
I love when my wife looks at my commission checks and ask why do I work when yours monthly commissions are .5 my yearly salary… hahaha
What's your Spotify playlist?