484-832-6913

We Help Clients Become Debt Free 4 Life

On average, each and every single month, more than 30% of the total amount you pay towards debt, whether that be car payments, student loans, personal loans, credit cards and even your mortgage is only used to pay off interest!

The longer the loan term - the more that interest figure grows exponentially, which is why the 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! Not really fair is it?

Even when or IF you do manage to clear your debt - what happens next? You may need to borrow money again for something else. And the cycle continues...

The big mistake most Americans are making when it comes to paying back debt is making minimum monthly payments and using any additional money they have to make contributions to their 401k, save within a cash account, invest in the stock market or play roulette with crypto coins and NFTs. Unless your returns from all of these beats or, at the minimum, matches the embedded interest rate within your debt, then financially - you're still worse off.

Snowballing is taking any extra or additional money you can afford and applying that to pay off your debt. This tactic was made popular by personal finance personality Dave Ramsey. However, it has one major flaw. What happens when your debt is paid off? You're debt free. Then what happens when you need a new car, want to move to a new house or have some type of emergency need? You end up right back in debt and paying ridiculously high interest rates all over again.

With Debt Free 4 Life™, we take a unique approach to "snowballing" to not only eliminate debt, but to make sure you never end up in debt again.Not only can we help you pay less debt – pay it off faster – but with our exclusive specially designed insurance contract – you’ll always have a nest where you can borrow from yourself and never need to take out an amortized loan again. This means 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.

We help you flip the script and STOP paying compound interest – and start EARNING compound interest.

What’s the catch? There is none – nor are we asking you to sign up for anything right now. The first step is simply getting clarity on where you stand.

When you click the button below, you'll see our Debt Free 4 Life™ page, where you can watch an informational video and get access to our unique "embedded interest calculator" to help you truly discover how much interest you're paying on your current debt. From there, you'll have access to additional tools to help educate you and develop a plan to help you reach your debt elimination goals.

I am committed to helping more Americans become Debt Free 4 Life™.Feel free to contact me directly at 484-832-6913 or by email

at [email protected]

Yes! Give Me Access To The Free Interest Calculator Tool

Simple 3-Step Process

Calculate Your Effective Interest Rate

Click the button above to use this free and simple tool to help you calculate your effective interest rate.

Discover Your Effective Interest Rate & Get Your FREE Debt Free 4 Life Report

Once you've calculated your embedded interest rate, we'll forward you a free report. In this report, we'll outline 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.

Book A Debt Free 4 Life Call with Joe

On this call, we will review your numbers with you, review your report and look at potentially implementing your very own Debt Free 4 Life plan. Call to schedule today at 484-832-6913.

In business since

2012

What Our Clients Say

“Working with Joe Skelley was a game-changer for our family. After meeting with him, we finally felt like someone truly understood our situation and took the time to design a plan tailored to us—not just a generic insurance policy. Joe helped us implement a Living Benefits life insurance solution that not only protects us in the event of death, but gives us access to funds if we experience a critical or chronic illness. His approach gave us peace of mind knowing our home, kids, and future are covered no matter what. I can’t recommend The Skelley Group highly enough.”

Sarah and Michael H.

“As a small-business owner, I always knew I needed better protection and tax-advantaged strategies—but I didn’t know where to start. Joe Skelley walked me through options like Indexed Universal Life and how to use insurance in ways that go beyond death benefits. He helped us design a smart plan that aligns with my business goals, gives me flexibility, and protects my family. His professional yet genuinely caring style sets him apart. If you’re serious about both legacy and growth, Joe is the real-deal.”

Robert L.

“I met Joe after a friend referred him when my wife and I were reviewing our retirement and protection needs. Joe spent time educating us—not rushing to sell. He explained things in plain language: how not all life insurance is the same, how “living benefits” work, and how you can turn protection into a strategic asset. The result: we now feel empowered and confident about our financial future. Working with The Skelley Group was one of the best decisions we’ve made.”

Emily and David M

Office: Garnet Valley, PA 19060

Call 484-832-6913