New Agent Seeking Guidance

I hope everyone is hitting all their goals and enjoying the weather! I have a moment at lunch so I wanted to reach out to the forum which I research daily. My questions may have been answered in depth but please bare with me, I've searched and read quite a bit on these topics but still have some lingering questions.

I see some general consensus that clusters have their place and are good at accelerating growth but when outgrown can be a burden. With that said, what can a new agent expect with direct appointments? Currently I average 15k a month P&C and some Life here and there as a captive. I
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