Most of these top agents I know are only good in their early years on the job. They are youthful, energy, energy to please, some even ready to sleep their way to their sales quota. These agents who push savings plan often don't save. Their managers expect and encourage them to live beyond their means as a form of professional success. Many change cars every few years, or buy condos whose mortgage they can barely service. Most, as you described, are not doing well by their 40s or 50s, when they are physically unhealthy, too much binge eating and drinking, and hardly any savings or successful investments to their names.