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31    <title>Debt Free 4 Life™</title>
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382    
383
384    
385  </head>
386  <body>
387  
388      
389      <div id="bodydiv" class=""><div class="body-wrapper Public">
390      <div class="header-bar">
391        <div class="container">
392          <div class="header-wrapper">
393            <div class="box">
394              <a href="/"><img src="/assets/GW-head.png"></a>
395            </div>
396            <div class="box">
397              <p><span>Debt Free 4 Life&trade;</span></p>
398              <p>
399                <span>Kelsey Jebbia</span>
400                <span class="phone">304-374-5110 </span>
401              </p>
402            </div>
403          </div>
404        </div>
405      </div>
406      
407      <nav id="Primary" class="navbar navbar-expand-lg navbar-white bg-white py-0">
408        <div class="container">
409          
410          <a class="navbar-brand" href="/">SMART access provided by: Smart Kelsey Jebbia</a>
411          
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420              
421
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423                <li class="active nav-item"><a href="/" class="nav-link"><p class="mb-0 lh-sm">Home</p></a></li>
424              
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428            </ul>
429          </div>
430        </div>
431      </nav>
432      
433        <div id="Content" class="container">
434          
435      <div class="alerts">
436        
437        
438      </div>
439      
440              
441          
442          
443    <div class="df4l-sales-page">
444    
445      <div class="content-section-one x-section-padding">
446        <div class="x-green-tile-grid">
447          <div><img src="https://asset7.net/Zagula/Smart/DF4L/df4l-money-icon.png" class="img-fluid x-money-icon"></div>
448          <a href="#df4l-calculator" class="x-green-tile">Show Me How<br> Much Interest I'm<br> Actually Paying</a>
449          
450          <a href="contact" class="x-green-tile">Want To<br> Talk Now?<br>304-374-5110</a>
451        </div>
452      </div>
453    
454      <div class="content-section-two">
455        <div class="text-center">
456          <div class="x-mr-wonderful">
457            <div class="x-copy">
458              <h2>Don't Make Another Debt Payment<br> Until You've Read This Page</h2>
459              <p>We guarantee you'll never look at debt<br> (and how you pay it) the same way again...</p>
460            </div>
461          </div>
462          
463          <div class="wistia_responsive_padding" style="padding:56.25% 0 0 0;position:relative;">
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465              <iframe src="https://fast.wistia.net/embed/iframe/xfsxymusql?videoFoam=true" title="MZ-19-08-WEBSITE-LANDING VIDEO-16X9" allow="autoplay; fullscreen" allowtransparency="true" frameborder="0" scrolling="no" class="wistia_embed" name="wistia_embed" msallowfullscreen width="100%" height="100%"></iframe>
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468          
468<script src="https://fast.wistia.net/assets/external/E-v1.js" async></script>
468
469        </div>
470      </div>
471    
472      <div class="content-section-three x-section-padding">
473        <div class="x-einstein-quote">
474          <div class="text-center"><img src="https://asset7.net/Zagula/Smart/DF4L/df4l-einstein-headshot.png" class="img-fluid"></div>
475          <div>"Compound interest is the 8th wonder of the world.<br> He who understands it, earns it...he who doesn't, pays it."<br> - Albert Einstein</div>
476        </div>
477      </div>
478    
479      <div class="content-section-four x-section-padding x-gray-content-block">
480        <div class="text-center">
481          <h2>45 Million Households In America Share<br> <span>$23.2 TRILLION In Personal Debt -</span><br> <em>But The Problem Isn't Your Debt...</em></h2>
482        </div>
483      </div>
484    
485      <div class="content-section-five x-section-padding">
486        <p>The problem is, on average, 30% of that number is being used by the "Fat Cats" to...</p>
487        <p>...build their Ivory Towers</p>
488        <p>...buy their Gulfstream Jets</p>
489        <p>...and to spend "Summer in the Hamptons"</p>
490        <p>You see...</p>
491    
492        <p>On average - each and every single month, over 30% of the total amount you pay towards debt, whether that be...</p>
493    
494        <ul>
495          <li>Car payments</li> 
496          <li>Student loans</li> 
497          <li>Personal loans</li> 
498          <li>Credit cards</li>
499        </ul> 
500        
501        <p>Or even your mortgage is...</p>
502      </div>
503          
504      <div class="content-section-six">
505        <div class="x-header-padding">
506          <h3 class="text-center"><strong>Only Used To Pay Off Interest!</strong></h3>
507        </div>
508        <p>These financial institutions and the "Fat Cats" who run them, are compounding THEIR wealth with your money.</p>
509        <p>You see – a large chunk of the money you pay back on amortized loans – isn’t just paying back the money you owe.</p>
510        <p>It's paying a relentlessly compounding interest figure.</p> 
511        <p>The longer the loan term – the more that figure grows exponentially.</p>
512        <p>Hence why – the total amount owed for a mortgage – will on average be made up with as high as 50% in JUST INTEREST PAYMENTS. It’s like paying for your house...twice!</p> 
513        <p>Not really fair, is it?</p> 
514        <p>And even when or IF you do manage to be clear of your debt – what happens next?</p> 
515        <p>You may need to borrow money for something else.</p>
516      </div>
517    
518      <div class="content-section-seven x-section-padding">
519        <h3 class="text-center"><strong>And the cycle continues<br> <small>But first, we'd like to discuss...</small></strong></h3>
520        <h4 class="text-center"><strong>The BIG mistake most Americans are making<br> when it comes to paying back debt...</strong></h4>
521        <p>Most Americans are simply making the minimum payments on their debt, and are using any additional money they have to...</p>
522        <ul class="fa-ul">
523          <li><i class="fa fa-long-arrow-right" aria-hidden="true"></i> Make additional contributions to their 401k</li>
524          <li><i class="fa fa-long-arrow-right" aria-hidden="true"></i> Saving within a cash account (beyond a "rainy day" fund)</li>
525          <li><i class="fa fa-long-arrow-right" aria-hidden="true"></i> Investing in the stock market</li>
526          <li><i class="fa fa-long-arrow-right" aria-hidden="true"></i> Or playing roulette with crypto coins and NFTs...</li>
527        </ul>
528        
529        <p>But unless your returns from those endeavors beat (or at the minimum - match) the <strong class="fw-bold"><em>embedded interest rate</em></strong> within your debt...</p>
530        <p>Then financially – you’re still worse off...</p>
531      </div>
532    
533      <div class="content-section-eight">
534        <div class="x-header-padding">
535          <h3 class="text-center"><strong>Let us explain using an example...</strong></h3>
536        </div>
537        <p>Let’s say you theoretically have...</p>
538        <ul class="fa-ul">
539          <li><i class="fa fa-long-arrow-right" aria-hidden="true"></i> Car payments at $585 per month, with a total loan amount of $18,500 - and an interest rate of 3.25%</li>
540          <li><i class="fa fa-long-arrow-right" aria-hidden="true"></i> Student loan payments at $647 per month, with a total loan amount of $63,000 - and an interest rate of 6.75%</li>
541          <li><i class="fa fa-long-arrow-right" aria-hidden="true"></i> And just ONE credit card, payments at $225 per month, with a total loan amount of $4,700 - and an interest rate of 21.9%</li>
542        </ul>
543        <p>A combined debt total of $86,200.</p>
544        <p>And $1,457 in debt payments each month.</p>
545        <p>Do you know how much of that "$1,457" payment goes to paying JUST interest?</p>
546      </div>
547    
548      <div class="content-section-nine x-section-padding">
549        <div class="x-header-padding">
550          <h3 class="text-center"><strong>$490.25 (33.65%)!</strong></h3>
551        </div>
552        <p>That figure is what’s known as your <strong class="fw-bold"><em>embedded interest rate.</em></strong>
553        <p>It's the sum total of interest you pay on your combined debt.</p> 
554        <p>That's what we mean, when we say – unless the returns you’re getting from any form of saving or investing is BEATING that figure (33.65%) – you'd be, financially, far better off extinguishing your debt.</p> 
555        <p>Maybe you've heard about "snowballing" before – where you DO take any additional money you can afford, roll it up and start paying off your debt?</p>
556      </div>
557    
558      <div class="content-section-ten">
559        <div class="x-header-padding">
560          <h3 class="text-center"><strong>The problem with “traditional” snowballing...</strong></h3>
561        </div>
562        <p>Snowballing was made popular by the world-famous personal finance personality – Dave Ramsey.</p> 
563        <p>But it has ONE major flaw.</p> 
564        <p>What happens when your debt is paid off?</p> 
565        <p>You’re debt-free? Correct.</p> 
566        <p>But what happens when you want or need a new car?</p> 
567        <p>What happens when you want to move to a bigger house for your family?</p> 
568        <p>Or you need to borrow money for some unforeseen emergency?</p> 
569        <p>You end up, right back in debt...again.</p> 
570        <p>And you’re back to paying ridiculously high interest rates...again.</p> 
571        <p>That’s where Debt Free 4 Life&#8482; comes in...</p>
572      </div>
573    
574      <div class="content-section-eleven x-section-padding">
575        <div class="x-header-padding">
576          <h3 class="text-center"><strong>What is Debt Free 4 Life&#8482;?</strong></h3>
577        </div>
578        <p>Here at Debt Free 4 Life&#8482;
578, we take a unique approach to "snowballing" to not only eliminate debt...</p>
579        <p class="fw-bold">But to make sure you never end up in debt again.</p> 
580        <p>Not only can we help you pay less debt – pay it off <em>faster</em> – but with our exclusive <em>specially designed insurance contract</em> – you’ll always have a nest where you can borrow from yourself and never need to take out an amortized loan again.</p> 
581        <p>Meaning?</p> 
582        <p>More money in YOUR pocket – because you'll never be subject to the relentless compounding and ridiculously high interest rates being charged by the financial institutions.</p>
583        <p>We help you <em>flip the script</em> and STOP paying compound interest – and start EARNING compound interest.</p> 
584        <p>What’s the catch?</p> 
585        <p>There is none – nor are we asking you to sign up for anything here.</p> 
586        <p>The first step is simply getting clarity on where you stand.</p> 
587        <p>Down below, we’ve put together a unique "embedded interest calculator" to help you truly discover how much interest you're paying on your debt.</p>
588      </div>
589    
590      <div class="content-section-twelve x-section-padding x-gray-content-block">
591        <div class="text-center">
592          <h3><strong>What to do next?<br><small><em>3 steps to becoming Debt Free 4 Life&#8482;</em></small></strong></h3>
593        </div>
594      </div>
595      
596      <div class="content-section-thirteen x-section-padding">
597        <div class="df4l-steps">
598      
599          <div class="x-step-one">
600            <div class="text-center"><img src="https://asset7.net/Zagula/Smart/DF4L/become-df4l-step1.png" class="img-fluid"></div>
601            <div>
602              <h4><strong>Step 1 <i class="fa fa-long-arrow-right" aria-hidden="true"></i> Calculate Your Effective Interest Rate Using The Calculator Below</strong></h4>
603              <p>Using the calculator below – input the prompted information about your loans:</p>
604              <ul>
605                <li>The Type Of Debt</li>
606                <li>The Name Of The Account</li>
607                <li>The Total Remaining Balance</li>
608                <li>The Minimum Payment Required</li>
609                <li>The Interest Rate On Your Loan</li>
610              </ul>
611              <p>If you don’t have the information on hand and would like to come back to this page – click the button below, input your name and email address and we’ll forward you a link to this page to come back to:</p>
612              <a href="#df4l-calculator" class="x-green-tile" style="margin-bottom: 15px;">Discover How To Become<br> Debt Free 4 Life&#8482; Right Away <i class="fa fa-long-arrow-right" aria-hidden="true"></i></a>
613              <a href="#" data-bs-toggle="modal" data-bs-target="#leadcapture" class="x-green-tile">I'm Interested But Would<br> Like To Be Contacted Later</a>
614            </div>
615          </div>
616        
617          <div class="x-step-two">
618            <div>
619              <h4><strong>Step 2 <i class="fa fa-long-arrow-right" aria-hidden="true"></i> Discover Your Effective Interest Rate & Get Your FREE Debt Free 4 Life&#8482; Report</strong></h4>
620              <p>Once you’ve calculated your embedded interest rate - we'll forward you a free report.</p>
621              <p>In this report, we'll outline (with a Debt Free 4 Life&#8482; Plan) how much less debt you could pay - how much faster you could pay it off - and the cash total you'll have remaining at the end.</p>
622            </div>
623            <div class="text-center"><img src="https://asset7.net/Zagula/Smart/DF4L/become-df4l-step2.png" class="img-fluid"></div>
624          </div>
625        
626          <div class="x-step-three">
627            <div class="text-center"><img src="https://asset7.net/Zagula/Smart/DF4L/become-df4l-step3.png" class="img-fluid"></div>
628            <div>
629              <h4><strong>Step 3 <i class="fa fa-long-arrow-right" aria-hidden="true"></i> Book A Debt Free 4 Life&#8482; Call With One Of Our Advisors</strong></h4>
630              <p>Once you've received and reviewed your free report, you'll be given the opportunity to speak with one of our advisors to see if we can help.</p>
631              <p>On this call, we'll review your numbers with you, review your report and look at potentially implementing your very own Debt Free 4 Life&#8482; Plan.</p>
632            </div>
633          </div>
634        
635        </div>
636      </div>
637    
638    
639      <a id="df4l-calculator"></a>
640      <div class="content-section-fifteen x-section-padding">
641        <h3 class="text-center"><strong>Effective Interest Calculator<br><small>Discover how much interest you're truly paying on your debt!</small></strong></h3>
642          
643        <p class="text-center">Use the calculator below to find out what percentage of your debts go to paying just interest.</p>
644    
645    
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647    
648        <div class="width-md text-center">
649          <p>In your area, <strong class="fw-bold">Kelsey Jebbia</strong> is committed to helping more Americans become<br> DebtFree4Life&trade; and can be reached at <strong class="fw-bold">304-374-5110</strong> or by email at<br> <strong class="fw-bold"><a href="mailto:[email protected]">[email protected]</a></strong>.</p>
650          <!--<p>The advisor who gave you the <b>SMART Retirement Book</b> can help you identify the best way to use this educational information in a practical way to achieve specific and personal results. Please contact them directly to learn more.</p>
651          <a href="/contact" class="btn smartplanz-lg">Contact Your Advisor Here</a>-->
652        </div>
653      
654      </div>
655      
656      <div class="content-section-sixteen">
657        <div class="x-green-tile-grid">
658          <div><img src="https://asset7.net/Zagula/Smart/DF4L/df4l-money-icon.png" class="img-fluid x-money-icon"></div>
659          <a href="contact" class="x-green-tile">Want To<br> Talk Now?<br>304-374-5110</a>
660          
661          <a href="#" data-bs-toggle="modal" data-bs-target="#leadcapture" class="x-green-tile">I'm Interested<br> But Would Like To<br> Be Contacted Later</a>
662        </div>
663      </div>
664    
665      <div class="content-section-seventeen x-section-padding">
666        <div class="x-header-padding">
667          <h3 class="text-center"><strong>FAQs</strong></h3>
668        </div>
669
670        <div class="accordion" id="accordionExample">
671          <!-- Accordion item 1 -->
672          <div class="accordion-item">
673            <h2 class="accordion-header" id="headingOne">
674              <button class="accordion-button" type="button" data-bs-toggle="collapse" data-bs-target="#collapseOne" aria-expanded="true" aria-controls="collapseOne">
675                Is this just debt consolidation? 
676              </button>
677            </h2>
678            <div id="collapseOne" class="accordion-collapse collapse show" aria-labelledby="headingOne" data-bs-parent="#accordionExample">
679              <div class="accordion-body">
680                NO. Debt Free 4 Life&#8482; is a modified approach to snowballing debt that leads not only to the accelerated payment of your debts but also to having capital set aside, in the future, for items you'll purchase without having to ever apply for a loan or mortgage again.
681              </div>
682            </div>
683          </div>
684          <!-- Accordion item 2 -->
685          <div class="accordion-item">
686            <h2 class="accordion-header" id="headingTwo">
687              <button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#collapseTwo" aria-expanded="false" aria-controls="collapseTwo">
688                Is this just debt refinancing?
689              </button>
690            </h2>
691            <div id="collapseTwo" class="accordion-collapse collapse" aria-labelledby="headingTwo" data-bs-parent="#accordionExample">
692              <div class="accordion-body">
693                NO. Refinancing your existing debt isn't eliminating your debt. Debt Free 4 Life&#8482; uses a specially designed insurance contract to constantly compound your capital so future debts can be funded by you without the use of loans. It's the opposite of refinancing - it's eliminating. Your Debt Free 4 Life&#8482; advisor will guide you every step of the way.
694              </div>
695            </div>
696          </div>
697          <!-- Accordion item 3 -->
698          <div class="accordion-item">
699            <h2 class="accordion-header" id="headingThree">
700              <button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#collapseThree" aria-expanded="false" aria-controls="collapseThree">
701                Is this just negotiating your debts?
702              </button>
703            </h2>
704            <div id="collapseThree" class="accordion-collapse collapse" aria-labelledby="headingThree" data-bs-parent="#accordionExample">
705              <div class="accordion-body">
706                NO. It's an accelerated approach to eliminating your debt and building permanent capital so you have a spending plan for the future - so, you can buy what you want without the burden of a loan or mortgage.
707              </div>
708            </div>
709          </div>
710          <!-- Accordion item 4 -->
711          <div class="accordion-item">
712            <h2 class="accordion-header" id="headingFour">
713              <button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#collapseFour" aria-expanded="false" aria-controls="collapseFour">
714                What type of debts is this good for?
715              </button>
716            </h2>
717            <div id="collapseFour" class="accordion-collapse collapse" aria-labelledby="headingFour" data-bs-parent="#accordionExample">
718              <div class="accordion-body">
719                Credit cards, student loans, car loans, boat loans, personal debts, mortgages, lines of credit, business debts - really anywhere where an amortized loan is driving your embedded interest cost higher than 10%.
720              </div>
721            </div>
722          </div>
723          <!-- Accordion item 5 -->
724          <div class="accordion-item">
725            <h2 class="accordion-header" id="headingFive">
726              <button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#collapseFive" aria-expanded="false" aria-controls="collapseFive">
727                Will this hurt my credit score?
728              </button>
729            </h2>
730            <div id="collapseFive" class="accordion-collapse collapse" aria-labelledby="headingFive" data-bs-parent="#accordionExample">
731              <div class="accordion-body">
732                NO. Your credit will not be pulled and is not necessary to use for the Debt Free 4 Life&#8482; process to help you eliminate debt and stay debt free for life!
733              </div>
734            </div>
735          </div>
736        </div>
737      </div>
738    </div>
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744          <div class="modal-body">
745            <div class="text-end"><button type="button" class="btn-close" data-bs-dismiss="modal" aria-label="Close"></button></div>
746              <div class="x-content">
747                <p class="text-center green-modal-text">Are you interested, but would like to be contacted later? Fill out the form below and an advisor will be in touch with you soon!</p>
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768                  
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784      <div id="Footer">
785        <div class="container">
786          
787      <div class="copyright">Copyright © 2017-2026. SMART Retirement Corporation. All rights reserved.</div>
788      
789        </div>
790        <div style="clear: both;"></div>
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870                    <div class="text-center green-modal-text">Thank you for your interest in becoming Debt Free 4 Life!</div>
871                    <div class="text-center green-modal-text">Your Debt Free 4 Life advisor will be in touch soon!</div>
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