Starting a State Farm Agency.

I'm going through the recruiting process at State Farm to open an agency. I am told I would be an independent contractor. Can appreciate anyone's advice on going this route, especially from SF agents.

1. I'm told I need 50k accessible. I have that accessible in credit and savings but it's my understanding you are using this to invest in your own business, not as a lump sum payment to SF. The recruiter told me if my spouse can pay our household expenses, then I can reinvest money business income and using credit lines may not be needed depending on business success.
Does this sound
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