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The earnings are unlimited, but first year should average 60-80k, 3rd year 100k, and up from there. ----- I disagree. After five years of being a top (newcomer) performer in the Seattle office, I grossed $80k my fifth year (sold almost 100 lives). GROSS is a key term. Once I paid 33% for expenses, most of that mandated by management (rent, phone, T1, assistant, etc.), the net after five SOLID years was around $54k. Most new FRs also rack up long-term debt in the meantime, which does not offset income in therory, but it certainly affects your bottom line (with monthly pauments, etc.) as a self-employed business owner. I racked up $120k in five years on a single income household of three. Don't get me wrong, NML is a great company to sell for. Just be prepared for high expenses and potentially low income initially.

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