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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> 411 412 <button class="navbar-toggler" type="button" data-bs-toggle="collapse" data-bs-target="#Primary_Menu" aria-controls="PrimaryMenu" aria-expanded="false" aria-label="Toggle navigation"> 413 <span class="navbar-toggler-icon"></span> 414 </button> 415 416 <div class="collapse navbar-collapse" id="Primary_Menu"> 417 418 419 <ul class="nav navbar-nav navbar-right"> 420 421 422 423 <li class="active nav-item"><a href="/" class="nav-link"><p class="mb-0 lh-sm">Home</p></a></li> 424 425 426 427 428 </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;"> 464 <div class="wistia_responsive_wrapper" style="height:100%;left:0;position:absolute;top:0;width:100%;"> 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> 466 </div> 467 </div> 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 â a large chunk of the money you pay back on amortized loans â isnât 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 â the more that figure grows exponentially.</p> 512 <p>Hence why â the total amount owed for a mortgage â will on average be made up with as high as 50% in JUST INTEREST PAYMENTS. Itâs 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 â 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 â youâre 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>Letâs 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 whatâs 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 â unless the returns youâre getting from any form of saving or investing is BEATING that figure (33.65%) â you'd be, financially, far better off extinguishing your debt.</p> 555 <p>Maybe you've heard about "snowballing" before â 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 âtraditionalâ snowballing...</strong></h3> 561 </div> 562 <p>Snowballing was made popular by the world-famous personal finance personality â 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>Youâre 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 youâre back to paying ridiculously high interest rates...again.</p> 571 <p>Thatâs where Debt Free 4 Life™ 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™?</strong></h3> 577 </div> 578 <p>Here at Debt Free 4 Life™
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 â pay it off <em>faster</em> â but with our exclusive <em>specially designed insurance contract</em> â youâll 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 â 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 â and start EARNING compound interest.</p> 584 <p>Whatâs the catch?</p> 585 <p>There is none â 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, weâve 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™</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 â 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 donât have the information on hand and would like to come back to this page â click the button below, input your name and email address and weâll 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™ 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™ Report</strong></h4> 620 <p>Once youâve 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™ 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™ 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™ 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> 644 645 646 <iframe id="debtfree1" src="/embed/debtfree1/131-900?SignedToken=AppToken-CrossDomain-EmbedCalculator-eyJB
646ZHZpc29yQ2xpZW50X1pOSUQiOiAxNjY0ODk0OH0%3D-1791553750-e438ad14d231d6002702b17008ef551ac5483d969b6ca726cd3839c6f4edf7e2&Token=cbba4ca4a17e93ed93ddfdc78fbbac1e" style="width: 100%; height: 750px; overflow: hidden; border: 0; margin-bottom: 1em;"></iframe> 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™ 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™ 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™ 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™ 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™ process to help you eliminate debt and stay debt free for life! 733 </div> 734 </div> 735 </div> 736 </div> 737 </div> 738 </div> 739 740 <!-- Lead Capture Dialog --> 741 <div class="modal fade" id="leadcapture" tabindex="-1" role="dialog" aria-labelledby="leadcaptureLabel"> 742 <div class="modal-dialog modal-lg" role="document"> 743 <div class="modal-content"> 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> 748 <hr> 749 <form class="io-form lead-capture" id="leadCaptureForm" method="post" name="" autocomplete="off"> 750 751 <input type="hidden" name="SignedToken_CSRF" value="AppToken-IO-Form_Post-eyJWZXJpZmljYXRpb24iOiAiYzI3MTk2YTc2ZGQ5MWE5NWE0MjVmMTMzNjAzOTkwOThhNmQ4MDJmMiJ9-1791553750-3f6b5a5e31ae80461e282c79cdf109885e393fe5e2b3064f6b447cc091c3dfdc"> 752 <input type="hidden" name="recaptcha" id="recaptcha"> 753 754 <div class="mb-3"> 755 <input placeholder="Full Name" name="FullName" value="" type="text" class="form-control io-text"> 756 </div> 757 758 <div class="mb-3"> 759 <input placeholder="Phone Number" name="Phone" value="" type="text" class="form-control io-text"> 760 </div> 761 762 <div class="mb-3"> 763 <input placeholder="Email Address" name="Email" value="" type="email" class="form-control io-text"> 764 </div> 765 766 </form> 767 <hr> 768 769 <div class="text-center"> 770 <button type="submit" form="leadCaptureForm" class="btn smart-lg">Submit My Information</button> 771 </div> 772 </div> 773 </div> 774 </div> 775 </div> 776 </div> 777 </div>
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