$7.00
The New Agent Money Plan
Foundations / Growth & Optimization
Figure out how long your money lasts, then decide what to pay for now and what can wait.
Course overview
Inside this course
When you're newly licensed and haven't earned a commission yet, almost every expense feels like a question you can't quite answer. You don't know how long your money has to last, so choosing what to pay for turns into guesswork.
This is where a clear view of your financial runway changes things, giving you a real sense of how much time your money buys instead of leaving each decision to chance. You'll weigh each expense by whether it's truly required, already provided by your brokerage, affordable within your runway, or likely to support real conversations. With that in front of you, you can decide what to pay for now and what can wait based on your own numbers.
Fit
Who this course is for
- Newly licensed agents who have not closed a deal yet and are unsure how long their money can cover both personal bills and business costs
- Agents about to sign on with a brokerage who need to sort required affiliation costs from optional tools before committing to any spending
- New agents feeling pressure to buy CRMs, lead subscriptions, or marketing all at once and wanting a way to decide what to pay for now versus later
- Agents facing irregular early income who want to set a realistic runway and a planning income target instead of guessing at every purchase
- New agents being pushed by a broker, mentor, or peers to buy a specific tool or lead package who want a clear basis for deciding what actually fits their situation
Course outcomes
What you'll be able to do
Calculate how many months your available cash can cover both personal bills and business costs, using your own numbers and payment due dates instead of generic estimates
Separate required affiliation costs like licensing, insurance, and MLS access from optional tools, and check what your brokerage already provides before paying for anything twice
Run any tool, lead source, or subscription through a clear four-part check so you can decide to keep, delay, or cut it and explain the reason behind each call
Set a planning income target that reflects commission splits and fees, and tell the difference between gross commission and the usable cash that actually reaches you
Hold your ground when a broker, mentor, or peer pressures you to buy a specific tool by weighing it against your runway and real needs rather than what others are doing
Recalculate your runway as your cash, fees, or expected income change, and know which questions to take to your broker, insurer, regulator, or a tax professional
Module 1Seeing Your Real Money Picture
Seeing Your Real Money Picture
1.1
Why 'Spend Like a Real Business' Advice Can Backfire Early
1.2
Building and Updating Your Runway Number
1.3
Gross Commission, Net Pay, and Setting a Planning Target
Module 2Deciding What to Spend On Before the First Closing
Deciding What to Spend On Before the First Closing
2.1
Sorting Required Costs From Optional Ones, and Checking What Your Brokerage Already Covers
2.2
Running Expenses Through the Wider Spending Check
2.3
Holding Your Spending Standard When Someone Pushes 'Everyone Uses This'
Included
What comes with the course
Course eBook
Guided excel/google sheets workbook
Guided Practice Activities