Insurance Agent Goes Homeless and $30,000 in Debt From Buying Leads

What's going on? Ladies and gentlemen, we got Brock Kitchen here on the channel here today to talk about his situation and how he went 30k in credit card debt and ended up losing his house and sleeping in his car.

I worked for a life insurance, IMO the last two years and my life is now completely ruined. I recently got evicted from my apartment. I've been living out of my car for the past three months. I am currently in $30,000 worth of credit card debt. I'm going to file for bankruptcy and I'm only 24 years old.

Obviously we got Tim on the line as well. Just wanted to say what's up, Mr. Tim. So, Brock, tell us a little bit about your, your background. Like, obviously, you know, we know where we at. Most people seen the video here in the industry, but I want to know, like, how did we, where did we start right before we got to where we are today?

Sure. I just want to start by saying that video I made, I'm not looking for any sympathy or, you know, I'm not bashing the entire industry as a whole. I understand that in the life insurance industry you can make money and I truly believe that. It just, the purpose of the video that I made was to really warn people about IMOs and MLMs where the people on top are trying to mostly take money from you instead of really caring about if you make money or not. So I think there's a lot of potential in this industry, but I think you just have to be very careful about which insurance company you decide to work with. That, that was the point of my video. I just want to make that clear.

I got started in the insurance, the insurance industry looking for a new opportunity. Right. We all get sold on the dream, you know, with the MLM and the videos, you see all this stuff, you know, you can make all this money, you can work for yourself. And I, and I, I was really encouraged by that and I understood that you had to work really hard. It wasn't just easy peasy. Even if they said that I didn't think it was. I don't believe in any get rich quick schemes. So I believe that you did have to work hard and you had to invest in your business and keep doing that stuff. But what screwed me over in the end was, you know, not understanding all the lies I was being told because I didn't know what I was doing.

Right.

So I was just being told these things and I didn't know what I was doing. So I trusted the people that were above me and I Did what they told me to do, but ultimately it just led me down this really bad path that put me in tons of credit card debt that is very hard to recover from. And so that's where I am today. I was living in my car for the past three months. I am still on credit card debt. I did get evicted from my apartment and it all sucks. But I'm very positive and outgoing and I do see a bright future. But I did get a place to live. But yeah, you just got to be super careful, man.

So kind of walk us back because I know we had three months in the car. We had kind of like a quick summary of the whole story. You started. You're 24 now, correct?

Correct.

Okay, so you started in the business when you were 22, so you sold insurance for two years, correct?

Two years, yes.

So walk us back. Like 22 year old Brock, how did you find out the bit about the business? What was it like when you first got started? And then kind of tell us the story of, like, how that evolved into, you know, kid with a bunch of energy, ready to make some money getting the insurance business to where you ended up?

Yeah, sure. So right out of high school, I moved right out of my home state. I'm like, I got potential. I want to do something cool. I was, I was always in the kitchen. So I worked from, you know, burger joints. And I worked all my way, my way up to a very professional Italian fine dining restaurant where I serve very, you know, famous people. So, you know, I just wanted more of my. Like, I moved to New York and like, I was doing all these great things, but then I'm like, I want, I want even more. Like, I know I can handle more. Like, I want to do things for myself. I don't want to bust. Like, I think I can do this. So just doing tons of research. I've tried a whole bunch of stuff. I've tried barbering, I've tried drop shipping, I've tried a clothing brand. I've tried, you know, just selling stuff on the Internet. Just ran all kinds of random stuff. And so, like, I always kept my eyes peeled for this kind of stuff. And then I saw this company's.

Advertising videos about, you know, what they were doing and the way they were presenting it was like they would show all these different people being so successful. And then they would talk about, you know, you just work really hard. A lot of people in the restaurant industry are really good at this because they have work ethic. So I'm like, this could be perfect. For me, I love, you know, I just want. I want to do something for myself. So I got into it. I actually saw the ad on Indeed and got recruited. And so they told me what to do. And one thing I know, I'm. I know myself very well, and one thing I know about myself is I'm good at following instructions and working really hard and doing a good job. So that's what I did. Right? And so they had all this.

Training online and I just did exactly what they told me to do to a T. And I did really good. And I saw in my Slack group, you know, a bunch of people would come in and then a bunch of people would go out. But in my mind, I'm like, they just didn't stay long enough. They didn't try hard enough. They didn't, you know, follow it through. So I'm like, I can't be like those people. So I just kept going, going, and I just. I literally just did everything I was supposed to do. And I wasn't taught to track my numbers. I wasn't taught about taxes. I wasn't taught about really any of the logistics of anything. So I just got started. I saw the ads online. I was like, this looks awesome. Look at all these people being successful. I'm going to give this go. Went all in, did everything I could, and then it ultimately just put me in this horrible position. So.

Wow. So we, you know, obviously we have our. We have our own story and that's. That's another video if you guys want to watch that.

Of course.

But the thing that I want to. I want to know, and I'm sure I don't know if this is what you're going to ask Tim, but I'm curious. Like, when did it. Like, when did it. When did you realize it?

Because it took.

I was like, I was wrapped up in this and it was just, write more business, recruit more, write more business outright. Your chargebacks, they were literally the same thing. Absolutely no number tracking. Taxes weren't even on the radar. Like, the guy that was my upline was having issues with taxes because, like, he didn't. He was young and wasn't told what to do either. But I'm curious, like, what was it for you? Like, what was the moment where you're like, shit, you know, this is not making sense.

I wasn't tracking my numbers. The thing with insurance and your uplines is that it's like this line of trust, right? So you just think you're doing good and you lie to yourself and you Lie to other people too. Like, I'm making, like, because you get deposits in your bank account, like 1200 bucks, 800 bucks, $900. You're like, I'm making money. And you don't really think about, like, especially as a beginner or never really been an entrepreneurship, you don't really think about this stuff. So at the beginning, I was totally oblivious. I just thought I was making money because I'm seeing all these deposits that I've never experienced before, right? So I was in this big life for a long time. Probably around year and two months, I started realizing, okay, I'm in a lot of debt right now. Maybe something is going wrong. And so I, I kept going, and then I didn't. I started tracking my numbers. I started getting better over time. I started realizing what I'd need to do, and then I started generating my own leads, but at that point, it was just too late. So I would say probably year and two months to year and three months when I started realizing, okay, maybe I'm not making as much money as I thought I was because I'm just lying to myself and others.

And so after you, after you kind of started to realize that you stayed for an extra, like, eight to 10 months still kind of doing the same thing or what was the process?

Because, you know, I, I, I'm good at learning, and I can, I started to understand things, and then I started sifting through all the lies. I started realizing my upline was a freaking idiot. And I'm like, okay, I need to do something completely different because I saw the potential because I was making deposits. I'm like, okay, so how can I do this? So I'm not investing as much money or I can get more out of the leads that I'm getting and make more money. Like, how can I make this work? And it just, it just took a long time to really wrap my head around everything completely. But by the time I got to that point, it was just too late. You know what I'm saying?

Yeah. No, 100%. And Brock? Yeah. I'm curious, like, when you first started, because I know in the video that, the TikTok video you made, you talk about how you started off and, like, you think you have like, 30k month. Is that correct?

So I. The first nine months. So in the video, I talked about the first nine months and my numbers of the first nine months. I was in this industry from the very beginning. So from April To December of 2021, I deposited $32,000 into my bank account.

Gotcha was there.

But I wrote, I wrote more trying to pay off chargebacks from that one specific carrier. I was mostly selling because that's what I was told to do. And if I try to do anything different, I'd get a hour long lecture on the phone telling me I was doing it wrong. So I was always dealing with these, like paying off these chargebacks, you know what I'm saying? So I was right on. Like as a beginner agent, I don't think I did that bad, you know what I mean? So it was just, I was paying off chargebacks, getting deposits, investing in the leads, and then I was never tracking my numbers until I went over all my bank statements a couple like a month ago when I made the video and I was like, wow, I only made twelve hundred dollars for working full time for nine months? That's insane.

Was there ever a point where you were profitable or you weren't tracking the numbers in the beginning, so you didn't really know.

I did eventually become, become profitable when I started generating my own leads.

Ah, how? A year and two months in.

Yeah. So I went from buying this company's CRM leads because that's what I was told to do. And I do take full accountability. I also want to make this clear. I take accountability for being an idiot, right? So I shouldn't have freaking listened to these people. I shouldn't have bought these leads. I shouldn't have done all that. I, I take full accountability for being an idiot. So. But that's where the debt came from. I was not, after I went over my numbers, I was not making any money from buying the company leads that they were promoting to me to buy. I then got into live transfers. I started making more money when I started doing that, but those were really expensive and those companies are also kind of shady. And then I hired somebody, you guys probably know to generate my own leads. And then at that point, that was a year and six months. And when I started doing that, that's when I started making like actual money. Like probably like four, five, six thousand dollars a month. But I just, I was so deep in the hole from doing all the stupid stuff they told me to do. I just, I couldn't pay for my rent. I couldn't, you know, my credit card bills overall was like fifteen hundred dollars a month. Like I just couldn't stay caught up. So I just decided I got to get a full time job. Like I can't this, it's really unfortunate, but that's what I had to do.

Wow, that's insane. I'm curious, like, because there's going to be a. I, I kind of read some of the comments. There's a lot of, there's a lot. Like, I read the comment. I think I jumped in the comment section. I never jump in the comment section. But this is something I'm passionate about. Especially, I know, like, Tim is too, because like, literally we lived this, like looking at the tax statements, looking at the bank statements. Like, I remember going to my accountant and I was basically paying him. Like, when I admit I was like, you know what I'm saying? It's not a good feeling. And it's, it's, it still sticks with you. Like, it sticks with you for a while. And I guess what I'm curious on is like, there's going to be a ton of people in the comments. They're all going to be like, oh, well, you know, blah, blah, blah, blah, blah, xyz.

You know, he didn't follow this or he didn't do that or he didn't buy the. Right. There's, there's a bunch of people that are going to say a bunch of like, bullshit, you know, for lack of better words.

Yes, what is it that, like, what is it that you. Because obviously you said you got profitable, but like, what is it for you that you think really held you back and put you. Like, what is it for you that you, because you were consistent, you mentioned that you did 32k in deposits, right. And that doesn't include the business that you wrote that paid back and down the charge back. So like that's, that's 32K deposits. That was in addition to what you pay down on the chargebacks. Correct? Am I right in saying that? Okay, yes. Wanted to make sure because there was, there was some hearsay and talk about that as well in another video I saw.

Yes.

But I'm curious, like, what was it about what was going on? Like, was it that you weren't profitable.

In the lead source?

You weren't tracking? Like, what was the issue that you were running into? Because a ton of agents are in this situation.

The leads that they promote to you very heavily and what they'll do is, is in reviews on Glassdoor or something, they'll say, well, you. We offer a whole bunch of different leads and we don't force you to do anything. Okay, sir, I've been to probably seven different business overview meetings. There was an entire hour long segment about your leads. And so as a beginner, again, you are just like inclined to do those kind of things. So those leads that they promote to you, they say they're exclusive bs. They are you, you, you. They're expensive for one. And then you call them, you buy bulk of them and you have to invest every week they tell you to buy $2,000 or a thousand to $2,000 worth of leads a week. And so you do because you just listen to them and then you buy those leads and then you call them and they get on the phone, they start screaming at you and they're like, I get 30 calls every single day. Stop calling me. My husband died a year ago. Why are you calling me? We sold our house a year ago. This is the wrong number or just completely wrong information total. So I just think, you know, I spent a lot of money on these leads that I was only able to sell just enough to insurance to pay off my chargebacks and stay caught up with lead spend to reinvest the next week. So it was just never profitable.

Okay, that sounds similar to Julian and I's experience. I'll kind of just give you like a little background because. So we started, we were with a company that did free leads. And so basically we were at like 50% comp. But we had all these free leads. The difference was we didn't get deposits because we were paid by the imo. So the carrier paid the IMO and the IMO paid us?

Yes.

So if we were ever under, like if we ever had more chargebacks than our commissions, we just didn't get a paycheck. So basically what would happen is like you had to write a certain amount to still qualify for the free leads. And so we were pretty consistently at that point. But after about I think what, two.

Three months of what I'm not sure.

Of writing business, like we started not getting any paychecks because I didn't get.

Paid for month one. I mean I'm. And when I say I made this is deposited, not profit. In my first month, I think I made $383. And that was my car broke down in week three and a half. It was like I got $1,000 for it. I thought I was making money because I was getting basically was like almost like bait and switch. It was kind of like almost like a credit card. Like you ever heard the saying like robbing Peter to pay Paul? It was like deposits, shitload of deposits. Because I was writing a ton of business, like 6,7k a week. And even on 50k, 50 point comp, if I was a waiter, like, dude, I was killing it in My mind, but I'll make, like 2500, 3K, 4K, whatever. Oh, yay. Awesome. And then it would. The next paycheck would get stuff taken out of it, but it was like, it was constantly a revolving door of, like, credit almost. And then I think, like, month two, I made, like, a few grand in deposits, Kind of starting to fight my way out. And then month three, I got hit with, like, 7.8k in chargebacks. And then. And then I recovered that, Survived that. And then I got hit with, like, 14k in chargebacks. And then after that, I didn't really have a ton of issues with it. It was because I also was getting overrides in addition to writing business. So, like, I didn't really have as much of an issue. And I wasn't. And I was. I also had learned a lot of hard lessons at that point, but for. I know Tim didn't get paid for, like, two or three months straight.

Yeah, like, it was like three or four months. But, like, basically, we. Similar to the situation you're describing of, like, your business is just replacing your chargebacks.

Yeah.

The thing was, we never got any deposits just because it was all, like, it zeroed out. And I didn't get paid for, like, three months. But, like, my question is, like, at what point was it, like, immediately when you started, like, the chargebacks were coming in, or was it, like, kind of a delay, so you thought you were doing well when you first started? Like, you're writing this one carrier, and then all of a sudden, like, a month or two goes by and you just get hit with the wall? Or like, was it immediately, like, week one goes by, someone else replaces the policy with a cheaper rate, and you're just, like, in the revolving door the whole time?

It was the revolving door, and I will admit I was an idiot, and I should have realized things sooner. It was just. I remember even being told, well, the only way to make money is just to write more business. You just got to keep writing more business. Yeah. And so, like, I just listened to them. For some reason, I just listened to them. And I got friends in this industry that are very good at this, and they're like, well, you should have realized that sooner. I'm like, I agree. I wish I did, but I didn't. And so, yeah, that's what it was. You know, I would. I just keep riding the same company. I just kept doing the wrong thing over and over again until it just took way too long for me to realize that I was doing the wrong thing. And I needed to switch everything up entirely and stop listening to my upline. It just like with my personality, I'm just very good at just following instructions and just doing what I'm told and doing a good job at it. And so that's what I did. But I just did it for too long and I didn't have critical thinking until it was too late. That was my problem.

So were, were you encouraged to buy the leads on a credit card from the beginning and just. Oh yeah, dude, that balance or what?

Yeah, like, yeah, dude. You go to their convention making on stage and be like, I just swiped my credit card. I swiped my credit card and I got my first batch of leads and you know, I made money. Like just swipe your credit card. They literally promote that stuff, dude, non stop.

From the beginning you were racking up credit card debt and just like it was continuing to grow or was it.

Like just continuing to grow? Like I would get it up and then I'd pay it down. Then I would get it up and then I'd pay it down and then it just like kept going, like slip.

Yeah.

Yep. And then I just realized like, I am way too deep in the hole because you have this like with the MLM mentality. It just like, here's what they do, which I think is super funny. They get on stage or at the whatever business conference you're at and they say something like, anybody can do this business. Like, look at me, I from wherever and I'm doing this, look how successful I am. And then you get into it and then this happens and then they tell you, well, you just didn't work hard enough. It's. It's not for everybody.

Yeah, it's funny you say that. I remember working six and seven days a week taking agents out in the field. I got hit and ran by 1:18 Wheeler and two days later I got t boned by another, picked up a rental car and was back in the field. Like literally the next day. I think the next day actually I rode with Tim. But it was like two days or three days later, whatever it was. It was like literally the next, like working day that I was 8, that I wasn't with Tim out in the field with him. I was in the rental car writing business while my car's in the shop. Like there was no, like there was no break or anything. I didn't even like, you know, it was ridiculous. And I remember our exit interview. There was. The words that were used were, you have a work ethic problem working six and seven days a week. And, and. And from, you know, 6:00am to 11:30pm you're driving in the air, like to your area or in your area and writing business or driving back from your area. And it's insane because, like, there's so there's agents out there right now that are actually, like, they're having this happen and they don't know it yet. And so that's. That's part of the reason that we wanted to do this video. But I'm think I'm like, what? Like, what could you say? Like, I'm an age. Let's say I'm an. I'm an agent right now. I'm in this situation and I don't even know it yet. Like, I'm watching this video. Oh, this sucks, man. Brock's life, man, that sucks. Not me, though. I'm writing business, man. I'm getting deposits. The revolving door looks great, but AMEX keeps climbing.

I'm not gonna.

Yeah, I'm not gonna quit. I'm not gonna be like that guy. Because that's what the uplines will just say.

This, that.

Oh, he just didn't. He didn't work hard enough. He didn't buy enough leads. No, he was just stupid. That's what exactly they're gonna. He's just a young guy. It's exactly what they're gonna say. I've heard it. They said it about me to my friends. What are you gonna tell that guy? Like, what. What are you gonna tell me as an agent so that I. I don't end up in this situation?

Be careful who you listen to. Do a lot of due diligence. I really think the best way to make money in this industry is to generate your own leads. I really believe that if you can find a good lead vendor, great. They're just. You got to be very careful because you don't know what they're doing behind the scenes. When you are looking for someone to recruit you, I'm not going to say hire. You have to ask 10,000 questions. How much business do you write? Frequently, like on a weekly basis. How many people do you have under you? How long have you been in this industry? What do you do on a daily basis? You know, just ask from like you are interviewing the person that's hiring you because ultimately they're making money off you. So you got to make sure. If I were to make any recommendations, I would look for somebody that is an expert in telesales. You need to get a bunch of state licenses and you need to generate Your own leads. If I could start from the very beginning, I like to be on camera, I would have a full time job and I would just make life insurance content daily and whatever free leads I get, I would sell. And then once I became much more profitable then I would transition full time. There's a lot of lies in this business and I've reached out to like a hundred different people just trying to get advice and it just like you hear so many different things, you just don't know what to trust. You know what I mean? So I don't know if that answers your question.

No, I think so. And I think like, because again like it comes down to like. No. Well it's not, it's not going to be me. What, what could I look for that would give me like obviously I know you've touched on it a little bit but like there's an agent that's watching this.

Yeah.

What are the red flags? Because like we were told, I'm not going to say names obviously, but we were told the chargebacks were not a big deal and that roll up debt never happens. And in a recruiting pitch, just complete and utter lies. It's absolutely, it's garbage. It's what that is.

It's garbage.

So I'm hearing all this stuff, all my upline, I trust and we're best friends, we, we smoke cigarettes and drink whiskey together or whatever people do and oh, it's great. But like what red flags can I look for today, right now just to make sure it's not me as an agent? Like I need to know what would you look for?

Yes.

Recruiting and having the biggest agency isn't everything. So I think quality over quantity is better. I know some companies with MLMs, if they are telling you you need to go home and recruit every single person you know and then continue to recruit and non stop recruiting, there's a problem there. Okay, there isn't a problem with recruiting, but recruiting on a mass scale, like go recruit the homeless guy down the street, go recruit your neighbor, go recruit you know, this kid that just turned 18 and just graduated, that's not the best move. Right. So that's a red flag. If, if you have to pay the company to work, that's a red flag. Obviously from my experience.

You know, doing things in your heart that don't make sense, like selling overpriced products to people that can't afford them and they tell you to do those kind of things, that's a red flag. My upline would tell me to put, yes, put or put no on every single health question on the application. Just this is push through the policy. Just get it through. That's a red flag. If you get a phone call from your upline, it's like straight up fraud.

Like, yeah, you commit literal fraud.

It's insane. Dude. Now I'm in. Now I'm worried that I'm going to get in trouble. Hopefully that doesn't happen. Like at this point now I'm very honest and clear with my clients. I'm much more professional at this point. If they say something like if they call, if you're writing policies to people that can only afford $65 a month because they live in a trailer and they don't have much money, but they need insurance and they can only afford 60 bucks a month. And so that's what you sell them because that's what they can afford. And then you post it in your slack group or the place that everybody can see your numbers and your upline calls you and says something like, you need to sell bigger premiums. You need to show bigger numbers. Don't show them smaller numbers. Show them 150, 125 and 100. That's it. That's a red flag. Just things like that. You just got to be aware of the greediness in this world.

Wow. That's like some of those things are mind blowing. That like you, that you wouldn't. I wouldn't even expect, like, I didn't even expect that to be the answer. But the fact that that's out there is absolutely like, that's insane. Tim, I have, I have one more question. I don't know if you have a question, Tim. I don't want to interrupt you, but.

Yeah, I'm just curious. This is just something that kind of popped up in my mind. Like were you doing face to face or. Or telesales?

Half and half. So the first half. So for the first year I did in home and I spent about 7,500, $7,500 in gas going to different counties in Maine. I went to different states. Rhode Island, South Carolina, Florida. I just wrote. I just. I did what I was supposed to do. So I did at home for the first year and then I transitioned into telesales. Started experimenting with other leads aside from what the company was promoting. Those worked okay. And then I started generating my own leads. So half and half.

Wow. I think my. I'm very. I'm very curious because for me, I. I remember being in this situation and I remember like getting my book taken.

Obviously losing My losing overrides, right? Part of it was I was leaving. Part of it was like my agents weren't making it because they weren't being invested into properly. And I, I was trying to help them and some of them didn't want to help themselves and some of them just didn't get the support that they needed and deserved. And we were working in a broken system. I remember like, I remember feeling just awful. Like I was, I was upset that my friends had, had gotten screwed and failed. And I was all. I was also pissed because my book and everything and the money that I had was taken. But then like, what was even crazier was like, what's next? Because my contracts got held. Tim's two for six months on life insurance, that's how much and a year on Medicare. I can't, I still can't even write Medicare because I missed like the 30 day window or whatever to get re enrolled. It's ridiculous. Absolutely garbage. I'm curious, like, you've been really optimistic, really positive in this. You've been absolutely great about not shitting on other people, but just explaining like what your experience is. And honestly the one thing that I admire the most is the fact that you've taken accountability for like what you've done wrong, what you could have done better. And I think like the reason that I was, because I mean there, like, I'll be honest, there's a bunch of clowns and quacks that say the same things that you say, but it doesn't have the same weight. Because I can tell based off of the way that you've taken accountability for your actions and the way that you've spoken about your experience, that you were in the same situation that we were in. And I can't say that for most people. And so I guess what I'm curious is, is like, what's next? Like what's after this? This isn't the end of the story. This is just a speed bump. So what, like, what's down the road for you?

I'm not dismissing life insurance. I did get really good at it. I do have this very strong, personable, you know, I'm really good at communicating with people and getting people to like me and trust me and which they can because I'm trustworthy. I've learned to do the right thing and I'm good at this. I just fell in this hole. So before I got into insurance, like I said, I was a pretty experienced chef, so I got a full time job. But I'm not dismissing the industry entirely. And perhaps I'll get back into it. If I'm lucky, my contracts will be dropped from this specific carrier in six months and I can join a better one.

How recently did you leave? Left?

You know, I just, I. Last policy I wrote was probably a month and a half ago.

Oh, wow. This is very fresh.

Yes. I was actually starting to write. Dude, I was. Dude, I'm so encouraged. Dude, I. I got evicted from my apartment. I was living in my car and I was still selling insurance from the lobby in McDonald's.

I remember there was a day I sold a policy and I was like, yes. And I turned around and there was this guy sitting by himself behind me. I'm like, I just sold a policy. He's like, he didn't speak English, but it was a happy moment.

That's hilarious.

You got evicted and we're still selling for this company?

Yes. I just. I wanted it so bad, dude. You know, I just work hard. I don't like to give up, but I had to come to. It was very. Because you. I put so much effort and grit and dedication into this. It's hard to just let it go. It's like killing your baby. Yeah. Yeah. So. So I just had to make the decision. Okay, Brock, you gotta step back and say, this is going too deep. Like I. I just, I got to get a full time job right now. So that's what I did. And maybe. And perhaps I'll get back into it once I'm a little bit more stable with better understanding and discernment and knowledge and a better idea of which company I should work for.

So. Last question I want to ask just before, you know, we cut it off.

Like, what would be.

Because there's new agents that are going to be watching this, like just based off of the title of the video. People that are thinking about getting into the industry are going to be attracted to this, to this topic. Obviously we've gone over all the mistakes, you know, the red flags. What would you recommend a new agent? Like starting off, if you could do it all over again, what would you do differently and how would you treat it to where you could have avoided all of the pitfalls you faced and just really actually seeing the success and the profitability that this industry has the potential to provide?

Yeah. So obviously the commissions are big. If you sell insurance, you can make a lot of money. You just got to do it the right way. Because people will try to pick your pockets and buying their leads and reselling them and then you lose money and all that personally, if I personally would just start again, I would keep my full time job and I would make a ton of content about life insurance. All you single dads out there, this is why you should get life insurance. What if you didn't come up, whatever it is, just make videos every day. Me personally, I like to be on camera. That's what I would do. Or I would hire somebody because it's very Facebook ads and YouTube ads and TikTok ads can get confusing and you can waste a lot of money until you figure out what works and what doesn't. Especially if you have no idea on how it works. I hired somebody to help teach me how to do those things. I wish I had done that from the very beginning. And I also would have done telesales from the beginning and kept a full time job until I had enough money to let it go until I was making more money than I was at my full time job.

So we got stick with full time job until you're making more money from it. Telesales and then generating your own leads and making content.

Yes.

What about tracking the numbers? Because I think that like for me, Julian and I didn't do that like the entire time we sold. We left before we even like thought about doing that concept. But like looking back, like people that go through our program, that's like the first thing that we teach them is tracking your numbers. Because like the situation you fell into, you would have seen it coming so much sooner if you would have tracked your numbers and like.

And tracked your numbers. Yeah, I forgot to mention it at all.

In the industry.

That's good. Exactly. Yeah. And tracking your numbers is huge. Everything like every dollar you spend. I know Dave Ramsey says every dollar that you have has a job. So making sure you know exactly where all of your money is and what's happening. Because you can see yourself exactly where you are and what you need to do to go up. If you're not doing that, then you're just kind of like where the hell am I?

That's great.

Yeah. Brock, appreciate you hopping on man. Thanks for sharing your story. If the people want to reach out to you, where can they find you?

They can reach me on Instagram and my name is Brock Kitchen and my last name is spelt a little different than the regular Kitchen. So it's B R O C K dot K I T C H I N. And if you send me a message on there, I'll see the request and I'll answer you.

Awesome. Thank you guys so much for watching Stay safe, and we'll see you guys in the next one.

Peace.

Sa.