Debt Free Life

Imagine living your life Debt Free?


No mortgage, no personal loan, no auto loans and no student loans.

Your credit cards are paid off in full every month, and if you need money you have your own personal bank to draw from, and only yourself to pay back.


This can be your reality with the revolutionary Debt Free Life program!


Request Your Free Debt Free Life Report Today!
debt free life - debt elimination

How Does Debt Free Life work?

The average american household has $250,000 in debt, spends 34% of their income on interest, 30% on taxes and only saves 3%.


Wouldn't you prefer to reduce how much you pay in interest and taxes and put that saved money back in your pocket instead?



Use infinite banking to save on interest and taxes, pay yourself instead
Debt elimination using AI technology and infinite banking

The Debt Free Life Program Utilizes Age Old Financial Concepts & AI Technology

  1. Enter your mortgage and other debt information into the Debt Free Life platform.
  2. Our AI data science system recreates and analyzes your debt amortization schedules, including any overpayments you are already making.
  3. Combines your schedules with the Debt Snowball and Debt Avalanche payoff methods creating a custom program which turbocharges your repayment.
  4. Utilizes infinite banking to use your money twice, paying yourself interest instead of the banks.
  5. Output your personalized debt elimination report, detailing your debt payoff schedule and the money your money is earning at the same time.
  6. Learn the month and year you will become DEBT FREE!  And how much money you'll save.


Your Infinite Banking Benefits


  • You don't pay taxes on growth or principal ever - this is 100% legal if your program is set up and funded correctly according to the IRS tax code.

  • Positive growth is guaranteed every year regardless of stock market fluctuation. Historical returns have averaged 5-7% per year net, tax free. Plus lifetime average fees and costs are much less than for mutual funds and portfolios under management.

  • Your account is guaranteed not to go backwards. Gains are locked in when the market goes up and your account bears no loss when the market goes down.


  • Your money is available when you need it. You can take money out any time you want - for any reason - without penalty - while 100% continues to earn growth and interest.

  • The money you take out is not income and therefore not taxable. And you can use it for whatever you like, whenever you like.

  • Should the unforeseen happen your plan has a built in death benefit to pay out all your debts, providing a debt free legacy for your family after you have gone.


  • All at no cost to you.  Due to the compound interest that you will be earning instead of the banks and because these plans are so efficient at allocating your debt payments more effectively, so long as you are already making any overpayments, the program is self funding AND will still save you more interest and time than your current pay-off schedule will.

This Sounds To Good To Be True

Neither the debt snowball or avalanche debt payoff methods are new when it comes to paying down debts.  Both have been around for over 100 years.  New AI and data science technology have now enabled us to combine these techniques with your amortization schedules and infinite banking where you can use your money twice to calculate your personalized plan to pay off debts faster than ever before.  Every day saved is interest back in your pocket, and also earning interest in your personal infinite bank plan.


Accounts like this have been used by wealthy individuals and families for over 100 years to build, grow and invest fortunes in a legally tax-free environment.


Take Disneyland for example. Did you know Walt Disney’s idea almost never became a reality? When he was looking for funding for his dream park everybody thought he was crazy and his idea would never work. In the end he loaned himself the money from his own personal bank plan and made Disneyland a reality.


Did you know that banks themselves use these plans? The banks take your money, invest it in infinite banking programs where it compounds interest, borrow from themselves and then lend the same money back out to make even more money on that same money. Now you can do the same thing too, bypassing the banks and keeping that extra interest for yourself instead.


President John F. Kennedy had an account like this. So did Presidents Taft, Cleveland, McKinley, Harding, and FDR.

FDR, in fact, held a large portion of his estate—$562,142 or over $7 million in today’s dollars—inside his account.

Even John McCain used his account to fund his electoral campaign back in ’08.

Joe Biden, our current president has SIX of these accounts…


The only question is, do you qualify?

Living a Debt Free Life is NOT just for the super rich any longer.

Reach out and request your FREE Debt Elimination Report TODAY!


Life Insurance

Meet Your Senior Debt Free Life Specialist

Tracey Lipnicki has more than 20 years experience in corporate finance, in wealth and money education, and as an insurance consultant and advisor to business owners, individuals and families.


She is owner of The Lipnicki Agency, a national agency within the Quility & Symmetry Financial Group of companies specializing in Debt Free Life as well as solutions for tax free income, building generational wealth, mortgage protection, life insurance, mortgage acceleration, tax minimization, retirement and estate planning.


Tracey's goal is to ensure you always get the best possible program to suit your needs and your budget.


If you become my client, I will treat you like you are family, and I would do anything for my family.  My goal is to always ensure you are better off financially than before you met me.


Book time to review your needs TODAY.  Your consultation is free of charge.


Book Your Time Now