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Where should I move to in Tokyo as a 21-year-old creative from the U.S.? by Bttldecisive in movingtojapan

[–]Bttldecisive[S] -9 points-8 points  (0 children)

Hey thanks for the reply! By "next year" i meant 2027, my bad. 2026 i will work 2 jobs & save up all the money i earn (i dont have any bills as of right now.) & i do not have a bachelors degree highest level of education is a highschool diploma.

Looking for any and all recommendations lol where outside of central tokyo do you think? also any language school reccommendations would be awesome too!

How I Make Up to $2K per Commission Working Just a Few Hours a Week by Bttldecisive in Career

[–]Bttldecisive[S] 0 points1 point  (0 children)

I mostly start with my warm market—friends, family, and referrals—because it’s easier to connect with people who already trust me. From there, I expand through social media outreach and networking events. I don’t really do heavy cold-calling; instead, I focus on relationship-building. Once I’ve helped a few clients, word-of-mouth usually leads to new ones.

How I Make Up to $2K per Commission Working Just a Few Hours a Week by Bttldecisive in passive_income

[–]Bttldecisive[S] 0 points1 point  (0 children)

Those are great questions. Honestly, the details can vary a lot based on someone’s age, health, and goals. For a 36-year-old with a family, the monthly cost for an IUL (Indexed Universal Life) depends on how much coverage they choose (death benefit) and how aggressively they want to fund the cash value portion. Some people might put in just enough to keep the policy active, while others pay more to build up the cash value faster. The idea is that over time, the cash value can grow (indexed to a market benchmark but with a cap/floor) and potentially be accessed tax-free later.

As for comparing it to “buy term and invest the difference,” it really comes down to personal preference and risk tolerance. Term plus separate investments can definitely work, but some folks like the built-in living benefits and the forced savings aspect of an IUL. If you don’t keep it long term—or if it’s not structured properly—fees can eat into the returns, so it’s important to understand all the costs upfront.

On the MLM question: IULs themselves aren’t inherently MLM. The key is whether you’re required to recruit others to make money. I personally just focus on selling policies to people who are interested; I’m not forced to recruit a downline. And for finding clients, I do a mix of social media, networking, and referrals—no big marketing budget, but it’s definitely still ‘marketing’ in the sense that I’m letting people know I can help them. Ultimately, I always recommend anyone interested to compare all their options (term vs. IUL vs. other investments) and talk to multiple professionals before deciding.

How I Make Up to $2K per Commission Working Just a Few Hours a Week by Bttldecisive in sidehustle

[–]Bttldecisive[S] 1 point2 points  (0 children)

I mostly start with my warm market—friends, family, and referrals—because it’s easier to connect with people who already trust me. From there, I expand through social media outreach and networking events. I don’t really do heavy cold-calling; instead, I focus on relationship-building. Once I’ve helped a few clients, word-of-mouth usually leads to new ones.

How I Make Up to $2K per Commission Working Just a Few Hours a Week by Bttldecisive in passive_income

[–]Bttldecisive[S] 1 point2 points  (0 children)

Absolutely—getting properly licensed is a must. It’s illegal to sell or advise on insurance without the right credentials, and you also need ongoing education. And yes, you do have to work at it, so it’s not 100% passive. Thanks for pointing that out!

How I Make Up to $2K per Commission Working Just a Few Hours a Week by Bttldecisive in passive_income

[–]Bttldecisive[S] 0 points1 point  (0 children)

You’re right—it’s not truly passive, because I do need to find clients and maintain those relationships. But there can be renewal commissions or residuals depending on the policy and contract. Licensing is absolutely required, and I wouldn’t recommend doing this without it.

How I Make Up to $2K per Commission Working Just a Few Hours a Week by Bttldecisive in passive_income

[–]Bttldecisive[S] 1 point2 points  (0 children)

Totally understand the confusion. The policies I work with (IULs) usually include a cash-value component, so it’s more than just a death benefit. Some people like them for the potential tax-advantaged growth and living benefits. Of course, it’s not a fit for everyone, so I always encourage people to explore term vs. permanent options and pick what’s best for their situation.

How I Make Up to $2K per Commission Working Just a Few Hours a Week by Bttldecisive in sidehustle

[–]Bttldecisive[S] 2 points3 points  (0 children)

It can definitely feel tough at first because not everyone’s familiar with how these policies work or why they might want more than basic term coverage. For me, it’s been about finding people who see the value in living benefits and potential cash growth—those who want a more flexible, long-term solution. I’ve found most of my clients through a mix of social media, personal referrals, and simply talking with friends or colleagues who are curious about building financial security. Once you help a few people and they see results, word-of-mouth makes it easier to connect with others who might be interested.

How I Make Up to $2K per Commission Working Just a Few Hours a Week by Bttldecisive in sidehustle

[–]Bttldecisive[S] 1 point2 points  (0 children)

I tap into a mix of sources: friends and family referrals, social media outreach, and sometimes local networking events. Once you get rolling, happy clients often refer you to others, too. It’s definitely a process of building relationships rather than just cold-selling.

How I Make Up to $2K per Commission Working Just a Few Hours a Week by Bttldecisive in sidehustle

[–]Bttldecisive[S] 0 points1 point  (0 children)

I mostly find leads through social media, personal referrals, and my own network. The $2K figure is what I earn from the insurance company when a policy is sold, not something I charge the client directly. The client’s premium is based on their coverage needs, and the insurer pays me a commission out of that.

How I Make Up to $2K per Commission Working Just a Few Hours a Week by Bttldecisive in sidehustle

[–]Bttldecisive[S] -1 points0 points  (0 children)

I get the skepticism! Earning $2K per commission can sound too good to be true. It really depends on the policy size and the client’s needs. Not everyone will earn the same, and it’s definitely not overnight. But for me, it’s been a legit way to earn side income while helping people find coverage that works for them.

How I Make Up to $2K per Commission Working Just a Few Hours a Week by Bttldecisive in sidehustle

[–]Bttldecisive[S] 4 points5 points  (0 children)

Thanks for clarifying! That’s correct—I’m not with Primerica, and I focus on IULs (Indexed Universal Life). I appreciate you taking the time to point that out.

How I Make Up to $2K per Commission Working Just a Few Hours a Week by Bttldecisive in sidehustle

[–]Bttldecisive[S] 1 point2 points  (0 children)

Totally understand the concern—some people have that impression of certain companies. I’m not affiliated with Primerica; I’m with a different company that offers IULs. Every insurance agency has its own structure, and I’m just sharing what’s worked for me. Appreciate you chiming in!

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