A lot of training actually.

You can end this by showing them an actual utility bill.

@Chris Kittle I’m not an attorney and could be completely wrong, so please consult an actual attorney before you do anything no matter what people say here.

But in reality, for younger people with moderate income, I actually see less benefit to financial planning.  

Stay away from the top 2 banks, they can take months to actually finance you and saavy agents wont accept a preapproval from them because they can take forever. 

Nope......i heard of it on a podcast though.i actually have studied banking and economics for the last year and a half.

And a pro forma vs. end of year actuals are very, very different.

Understanding what you can afford will help you narrow down deals that actually work for you!

It’s hard to really get good at it without doing a lot of deals because the licensing course doesn’t teach you much about actually being an agent, that comes from doing lots of deals and learning by doing it every day.

Stop investing time in workshop, and actually go out and look and work for deals.