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December 13, 2025 11 mins

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Speaker 1 (00:00):
Boston's Bulldozer never sleeps The Kooner Report weekend edition on
the Voice of Boston w RKO.

Speaker 2 (00:07):
Joining us now as she always does at this time.
She is the co founder, CEO, and president of Kelly
Financial Services, and yes, that is her wonderful name, Kelly
Kelly Kelly, how are.

Speaker 3 (00:27):
You good morning, Jeff. I am good. As we get
closer to Christmas, I've been reminded that the most meaningful
moments aren't about big spending. They're about family, traditions and gratitude.
For many retirees, the rising cost of living has been

(00:47):
an ongoing reality. Groceries, travel, celebrating with family. It all
takes more planning and intention these days. That's why being
smart with your money matters so much retirement. At Kelly
Financial we want you to feel confident and prepared. We
have a helpful resource for you, our Guide Inflation and

(01:11):
your Retirement. It explains how inflation affects retirees specifically, and
offers practical steps to help protect your purchasing power over time.
So enjoy the season you love knowing you have a
plan design to support your lifestyle. To request your complimentary copy,

(01:31):
give us a caller email Jeff, I'll continue this conversation
with our Kelly Advisors tomorrow morning at nine am on
Safe Money Strategies Radio. Do tune in and remember you
can always catch the radio rewind online. Jeff, have a
wonderful weekend. My best, Grace and the kiddos.

Speaker 2 (01:52):
Thank you, Kelly, all the best to you and everyone
at Kelly Financial to get a free copy of that guide,
and I urge all of you, if you can do
get it call now eight eight eight eight hundred eighteen
eighty one eight eighty eight eight hundred eighteen eighty one,
or you can actually email Kelly herself personally Kelly at

(02:14):
Kellyfinancial dot org. That's Kelly at Kelly Financial dot org. Okay,
Mike and I were just talking about this off air,
and again, by the way, I always want to thank
Kelly and Kelly Financial for their incredible support. But we
were just talking about this off air and Mike said, no,

(02:35):
I'm not shocked by this. What I go No, And anyway,
so I've noticed it now it's been about a good
four or five years, and my point is just this
social media is reinforcing horrible behavior to the point now
you want to get some food out of Chipotle in

(02:55):
front of the customers. And I'm just not picking on Chipotle.
I'm just giving you my experience from life. Last night.
My thirteen year old daughter is there with me, and
you see the employees and they're not fighting or arguing,
they're joking, but they think constantly dropping the F bombs funny.
So it's like, hey, blank, you no, no, Blank, you

(03:16):
call blank yourself. You know, hey, where's the F and
Sara cream? Who took all the F and sawer cream?
Ha ha ha ha. This is customer service. You never
would have seen this before. This is something very recent
and because I'm telling you, part of it is it's

(03:38):
all this social media. It's non stop swearing, and they
think swearing is cool and funny. And apparently I'm getting
text messages Jeff, I happened to me at a Burger King,
happened to me at a McDonald's, happened to me at
a Wendy's. You know, Mike made an excellent point, Jeff.
You won't see that at Chick fil A. Say what

(04:00):
you want about those Christians, that Christian organization, but you
go to check fil A, they are impeccably polite. Oh
you won't hear an F bomb when you go there?
That is that what you gotta do? Now, you got
to go to Chick fil a, you know, when you're
ordering and not to hear some you know, some potty mouth,

(04:21):
really vulgarian, and they think it's so cool. Now you're saying, Jeff,
why does this bother you? Well, A, I don't want
to be served food with people swearing and using the
F word? Am I wrong? And then my daughter, who's thirteen,

(04:41):
I don't want her to think this is cool to
behave like this because you know, I'm hoping one day
she gets her first jobs, I don't know, flipping hamburgers
at McDonald's or working the cash register at McDonald's. And
as I told Mike, you know, i'd be very proud
to go to the McDonald's and say, Hey, I'm going
to order my big mac meal, but I'm gonna order
it from my daughter, Kay's first job. And you know,

(05:05):
she comes up, Dad, can I take your order? And
as she's taking my order, she's talking to rather colleagues,
fellow employees. Ehy efew no, no efew. Go yourself, I said, Mike,
you think this is gonna make oh I'm so proud
as a father look at the mouth on my daughter.

(05:28):
So what I'm saying is there's peer pressure. There's an
example that's being set where it's just it's so prevalent,
and a lot of it, I'm telling you, is from
that cesspool that social media. The less time your kids
spend on it, trust me, the better. Randy in New Hampshire.

(05:51):
Thanks for holding Randy, and welcome.

Speaker 4 (05:54):
Good morning, Jeff. How are you.

Speaker 2 (05:56):
I'm good? How are you? Randy?

Speaker 5 (05:57):
Good? On this one, Jeff, I have to agree with
Grace as you like to say, one thousand percent. And
I'll tell you one of the things that we're not
talking about is peer pressure. And I have no doubt
that you and Grace are outstanding parents. But the problem
is when you take something from your kids that others have,

(06:21):
that is a tremendous amount of pressure. And I will
tell you from experience. Now my kids are both in
their thirties. Have you know have children of their own,
successful careers, great kids, but struggled with one of them
when and I'm not going to say he or she,
but when they're in their teens. And this was before Facebook,

(06:44):
this was with a social media app called MySpace, and
we didn't know a lot about it, but we knew
that it was unfamiliar to us. We were concerned about
content even then, and we said, no, you're not going
to have the mind Space account. So they found a

(07:05):
way and created another account under an alias. And I
learned of this because I created a MySpace account so
I could keep an eye because I suspected that something
was going on.

Speaker 4 (07:22):
Now, this was before smartphones and all of that.

Speaker 5 (07:24):
They had to be on a computer, whether they got
access to it at school or at the library, I'm
not sure, friends homes, but you know, it's it's it
was all because of peer pressure, you know, and that
is a very very powerful influence on a child.

Speaker 4 (07:45):
So that's number one. Number two. You know, we talked.

Speaker 5 (07:50):
About that that kid with the water bottle incident and saying,
you know, blank off to her mother. Now, the only
thing I had to say to that is, imagine if
she had, you know, slapped the kid up beside the
head or kind of man handled the kid and come on,
you're coming with me, put them into the car, and
so on and so forth. Everybody's got a cell phone,

(08:12):
and that's what parents are concerned about today. Parents are
concerned about.

Speaker 4 (08:17):
You know, being called out for roughing their kid up
a little bit.

Speaker 5 (08:23):
And that's a real uh, that's a real problem in
our society.

Speaker 4 (08:28):
You know, I can and parent. You know.

Speaker 5 (08:30):
The problem is parents aren't parents any longer.

Speaker 4 (08:33):
They're not.

Speaker 5 (08:34):
They use social media and smartphones as a babysitter for
their kids. And I see it all the time. I
work inside of people's homes. I have to go inside
of people's homes. People aren't parenting their kids any longer.
There's no discipline. The language I hear coming out of kids'
mouths towards their parents, it's unbelievable. It's unbelievable. Something has

(08:59):
to be done, and I am one thousand. I don't
like the government getting involved in anything, but they need
to do something about this because it's out of control
and it's outside the parents control.

Speaker 4 (09:13):
Because most parents don't care. They don't care, and it's Randy,
let me.

Speaker 2 (09:20):
Ask you this. I hear your argument. I really do, Randy,
let me ask you this. Maybe this is too draconian,
I don't know, but it'll in a way settle both
the concerns of both sides, the concern on my side
or our side, is that this is going to open
the door to a universal digital ID where they can

(09:42):
monitor and track us. This is their trojan horse, and
in some ways we believe it violates freedom of speech.
Your side, you've articulated it now very well, very eloquently.
What if we said, instead of banning them going on
social media, because then they got to resign up when
they turn sixteen, and that's when they're gonna start tracking them, right,

(10:05):
we just say no, you can't have a smartphone, an iPhone,
whatever it may be, until you're sixteen. A law, you know,
like the way you can't have a gun until you're
twenty one or whatever. You can't drink until you're twenty one.
In other words, there's just certain things that a child

(10:28):
cannot possess, period, full stop. And so until you're sixteen.
We are going to ban the sale of cell phones.
Or we're not cell phones because you can have a
flip phone, but I mean the sale of iPhones, smartphones.
So this way they just don't have a phone or sorry,
a smartphone or an iPhone, so they can there's no

(10:51):
way they can access anything on social media. What say you,
is that is that something am I going too far? Here.
What's say yourndy, Mike, what happened to Randy? Fifteen seconds? Okay, Randy,
please hang on. I want to get your answer. We're
right up against the break. We're going to be right back.

(11:13):
Don't touch that dial.

Speaker 1 (11:17):
If Jeff doesn't get a day off. This request came
from his wife. The Kooner Report weekend edition on the
Boys of Boston WRKO
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