We have a freind in a very similar situation. Our advice was to take the salaried job. Selling anything in this economy is a challenge. I'd be curious to know how the other insurance salespeople who've been selling for years are doing.

My advice would be to search for another full-time job that might pay more, while securing a part-time job.

Also, is there a way for you to consolidate your credit card debt to a card that has the lowest interest rate? Or work with a company that manages your bill payments for you? This is what our friends did. The company corresponds with the people you owe, and works out a monthly payment based on what you can afford.
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Founder Emeritus of Boomer Women Speak and the National Association of Baby Boomer Women.
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