I’m working on getting my career started as an independent agent.

I made the mistake early in my career of always thinking the grass was greener in another market, and I wouldn't be surprised if you are doing the same.

My career is Construction Project Management; I know how to take care of the entitlements and understand the (lengthy) process.

In other words, don't spend it until you've earned it!

I’ve been able to save a good chunk of cash over the years ($220k) and I’m wondering if anyone here could give me some investing or career advice.

It is considered earned or ordinary income.

Since you are in your 40s you probably know a lot of people who had a career, then switched jobs, which means they probably have an IRA they can convert into a self directed IRA which they could loan to you and make money tax deferred.

How many hours do you have to work to earn $7K?

@Fabio Costa I personally like working with eXp because of the commission splits, low fees, and multiple ways of earning income.

We'll offer a bit of our time for free to help them and earn credibility, but then you have to hire us a pay a retainer fee or we cut you off.Hopefully, you understand the economics of this and you're not one of "those" investors who thinks everyone should offer them everthing for free!