December 12, 2025 • 25 mins
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Speaker 1 (00:00):
Okay, Grace was texting me during the show, as you know,
she's all for this band. She thinks I'm being very
naive and arguing this on free speech grounds, saying you
have no idea. These are corporate child molesters. These are
predators that are running these social media platforms and they
(00:22):
are praying on our children. That's almost a verbatim what
she texted me maybe half an hour ago. And then
she says to me, but let me guess your sister
probably agrees with you. Well, right on, cue, this is
what my sister texted me maybe about ooh, I would
say five minutes ago. Jeff, I am definitely not for
(00:45):
this social media ban. Social media can be a very
useful tool if used properly. Parents should control that, not
the government. The problem is not social media, but it
is the breakdown of the nuclear family and getting religion
out of the schools. I am more afraid of what
(01:09):
is being taught to my kids in school, and even
more so now in college, than what's happening on social media. Interesting,
both my two nephews, Andrew and Matthew, are now going
to college. They're both at the University of Arizona, SO
and Yeah, there's a big Marxist push. Both of them
(01:31):
are saying, Jeff, it's class after class. It's pure Communist
Marxist anti American indoctrination. You can't run from it. But anyway,
let that go. Six one seven two six six sixty
eight sixty eight is the number. Okay, let's go to
(01:52):
Mary in Woburn. Thanks for holding Marie, my bad Marie
in Woburn. Thanks for Marie, and welcome, Hi Jess.
Speaker 2 (02:03):
Thanks for taking my call Maureen. But that's okay, Marine man.
I called my daughter this morning because I know that
their phones are linked. I have two granddaughters. They're fourteen.
They were about twelve and a half. They each got
an iPhone for Christmas, but they had the providers set
it up so their phones were linked to the kids' phones.
So my son in law was linked to one of
(02:25):
the phones, my daughter was linked to the other phone,
so they if the kids tried to download an app,
they would get a notification to accept it or deny it.
And she was like, she was funny on the phone.
She was like when they first got them, she was like,
every ten minutes, no no, no, no no. And she
said that if they're on their phones. They can go
(02:48):
in and they can see how long they're spending on
the phone, and they can see exactly what they're doing
on the phone. So I'm with you. I wouldn't give
the federal government this. I mean, it's up to the parents.
And if parents do that, you know what I mean.
So it's done through family sharing or something. Like I said,
I didn't get a chance. I had a few more
questions for her, but she had to go. But you know,
(03:09):
Grace could be linked to Ava, You could be linked
to Ashton. They try to download something, you get a
notification that's exactly what we have.
Speaker 1 (03:17):
That's exactly marine, That's exactly what we have. It's on
Grace's phone. Grace monitors them more. I mean I always
ask them, I talk to them, but Grace is on
them like a hawk, like a hawk, so and that's
what she has. So she and the kids complain. I mean,
just to be clear, the kids aren't happy about it.
But I don't care. Grace and I like, I don't care.
(03:40):
It's either this or nothing. They can pick. But you know, Ava,
especially Ava, grumbling all the time. You know, her friends
don't have this. I don't care. So, like you know
she's going to me. You know, Momy knows everything that
I'm downloading. I'm like, yeah, and well, let's not fear.
What about my privacy? As long as you're in my house,
(04:01):
That's what I told her. As long as you're in
you're in my house, you don't have privacy. Do you understand? Now,
when you get your own house, you can have all
the privacy in the world. So that's what look to me.
I always believe this. If you're a parent, you need
to know what your children are doing at all times,
(04:24):
not just on social media, for everything, because it's the
world we live in. Mermine. Look, my parents would let me.
I would be biking for miles, I would play at
the park. My parents would say, you know whatever, let's
say it's a Saturday, eleven o'clock. I did my chores,
all right, Jeff be home by supper. Just go go
(04:47):
with your friends, go play. Let's go play. Come back
at five. It was a different time. You know, you
didn't have sex predators everywhere. I mean I could you know.
The laws were much tough. You had law and order,
you know, they were they were tough on criminals. It
was just such a different time. And everybody did it.
(05:07):
In a sense, it was safe. So, you know, we
played on our bikes, we played baseball, we played football.
We were at the park all day, you know, and
my parents were like, yeah, that's what kids do. They
go play. Now, forget it. You gotta seriously, you got
to watch everything, everything that goes on. And look, I
(05:29):
can just tell you this. I wouldn't It wouldn't even
enter my mind at any age, never mind at the
age of eight, to tell my father to go blank
off he killed me. It just wouldn't happen. Just to
see it here, I'll just give you another example. Marine,
(05:51):
I promise I'm gonna come back to you. Long story short.
Grace was tired, had a long day. She said, Jeff,
get something for us to have dinner. I don't want
to cook tonight. Okay. The kids, daddy, daddy, daddy, Chipotle.
They love Chipotle. Okay, So I end up going to Chipotle.
Ava is with me. We're getting the orders for all
of us, and then we're gonna take it back home. Now,
(06:14):
let me tell you this is something I've noticed now
it's been about five years. It's all teenagers that are
working at Chipotle. That's not what's new. I don't know
if there's no manager or the manager doesn't care. But
I'm for the first not first time for five years now,
but yesterday was really acute. They're throwing food at each
(06:36):
other as they're serving customers the employees, and in a
joking way, they're telling each other to go f themselves,
like you know, F you no, no, f you you know,
but you know, like I'm not in a series, but
like in a funny way. Joining us now as she
(06:57):
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 you.
Speaker 3 (07:16):
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
an ongoing reality. Groceries, travel, celebrating with family. It all
(07:41):
takes more planning and intention these days. That's why being
smart with your money matters so much in retirement. At
Kelly Financial we want you to feel confident and prepared.
We have a helpful resource for you, our Guide Inflation
and your Retirement. It explains how inflation affects retirees specifically
(08:04):
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, give us a call or email Jeff.
I'll continue this conversation with our Kelly Advisors tomorrow morning
(08:26):
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 1 (08:40):
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 eighty eight eight hundred eighteen
eighty one eight eighty eight eight hundred eighteen eighty one,
or you can actually email Kelly herself personally Kelly at
(09:02):
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,
(09:22):
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
(09:43):
front of the customers. And I'm just not picking on Chipotle.
I'm just giving you my experience from last night. My
thirteen year old daughter is there with me, and you
see the employees. They're not fighting or arguing, they're joking,
but they think constantly dropping the F bombs, honey. So
it's like, hey, blank you no, no, Blank, you called
(10:04):
blank yourself? You know, Hey, where's the effin Sara cream?
Who took all the effing Sawa cream?
Speaker 4 (10:12):
Oh?
Speaker 1 (10:12):
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 all this
social media. It's non stop swearing and they think swearing
is cool and funny. And apparently I'm getting text messages
(10:38):
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 you want
about those Christians, that Christian organization, but you go to
Chick fil A. They are ifeccably polite. Oh you won't
(10:58):
hear an F bomb when you go there. That is
that what you got to 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,
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
(11:22):
F word? Am I wrong? And then my daughter, who's thirteen,
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
(11:45):
to go to the McDonald's and say, hey, I'm gonna
order my big macmeal, but I'm gonna order it from
my daughter, Kay's first job. And you know, she comes up, Dad,
can I take your order? And as she's taking my order,
she's talking to other colleagues, fellow employees. Eh, yeah, you no, no,
if you go yourself, I said, Mike, you think this
(12:09):
is going to make Oh I'm so proud as a father,
look at the mouth on my daughter. 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
(12:30):
social media. The less time your kids spend on it,
trust me, the better. Randy in New Hampshire. Thanks for
holding Randy, and welcome.
Speaker 4 (12:42):
Good morning, Jeff. How are you.
Speaker 1 (12:43):
I'm good? How are you? Randy?
Speaker 5 (12:45):
Good?
Speaker 4 (12:46):
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 out that
you and Grace are outstanding parents. But the problem is
when you take something from your kids that others have
(13:09):
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 sheiba
when they're in their teens. And this was before Facebook.
(13:32):
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 a MySpace account. So they found a way
(13:54):
and created another account under an alias. And I learned
this because I created a MySpace account so I could
keep an eye because I suspected that something was going on. Now,
this was before smartphones and all of that. They had
to be on a computer, whether they got access to
it at school or at the library, I'm not sure
(14:17):
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. So that's number one.
Number two. You know, we talked about that that kid
(14:39):
with the water bottle incident and saying, you know, blank
off to her mother.
Speaker 5 (14:46):
Now.
Speaker 4 (14:47):
The only thing I have 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 him into
the car, and so on and so forth. Everybody's got
to sell phone. And that's what parents are concerned about today.
Parents are concerned about, you know, being called out for
(15:08):
roughing their kid up a little bit. And that's a
real uh, that's a real problem in our society. You know,
I can and parent, you know, the problem is parents
aren't parents any longer. They're not. 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.
(15:32):
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 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
(15:57):
this because it's out of control and it's outside the
parents control. Because most parents don't care. They don't care,
and it's.
Speaker 1 (16:07):
Randy, let me 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
(16:28):
ID where they can 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
(16:51):
they're going to start tracking them. Right, 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.
(17:11):
You can't drink until you're twenty one. In other words,
there's just certain things that a child 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
(17:32):
they just don't have a phone or sorry, a smartphone
or an iPhone, so they can there's no way they
can access anything on social media.
Speaker 5 (17:42):
What say you?
Speaker 1 (17:43):
Is that? Is that something? Am I going too far here?
Let's say you Randy? Okay, let's go right back to
Randy in New Hampshire. Randy, what do you say? Is
maybe the solution here? You can't sell a smartphone or
an iPhone to anyone under the age of sixteen. It's
(18:04):
like selling a loaded gun. No, you're sixteen, you can
get a smartphone. You're twenty one, you can get a gun.
Speaker 4 (18:13):
What say you, Well, it's one source of being able
to access social media. And by the way, it doesn't
have to be a kid buying a smartphone. It could
be a parent, right, So that's what you have to control.
This is going back to parenting, you know. And I'll
(18:34):
draw a parallel here and it might seem like I'm
going off topic, but hear me out. There was a
day when if a teacher called a parent to school
because of a issue going on with their kid. Maybe
they got into a fight on the playground, or maybe
they or caught cheating, whatever the case might be. It
(18:57):
used to be, my god, you thought your parents were
coming to the school to meet with the teacher. You
knew you were in some serious trouble because that parent
was going to hold you accountable. Because that was a
day when parenting was parenting. Now parents go to a
school and what do they do. They go to the
(19:18):
defense of their child, over and over and over again.
You hear about it, Oh that my kid couldn't do that,
that wasn't my child. You've got to be you know,
you're you're wrong, You're wrong. It's no different parents are
going to do for their children because we're in a
(19:39):
spoiled society and they don't think that their kid's going
to do anything wrong on social media. They've got control.
They don't think that they're going to be, you know,
influenced by anybody. My kids are good, My kids are great,
no issues. The reason that they don't sell alcohol to
people under the age of twenty one is they become
(20:02):
influenced by that and they can't control the influence. They
don't know when to stop, they don't know what the
limit is. It's no different than social media. They're being influenced.
And your caller, who, oh my god, that gentleman's daughter
who was Ugh, I don't even want to repeat it.
(20:24):
It's so awful.
Speaker 1 (20:25):
I can't even imagine parents a worst nightmare. No, Randy, look,
you make excellent points. There's no question. And look, that's
the one thing Grace and I were instilled in both
Ashton and Eva. I said, I better not get that call.
I said, if Grace gets that call or I get
that call, that I have to come to the school.
(20:47):
Because the two either one of you is misbehaving, you
are going to be in so much trouble you'll remember
for the rest of your life. Now I'm not saying
they don't get in trouble, but it's minor stuff. It's
petty stuff. We've never had to be called in. We
have to get called in for grades or because both
of them have certain issues in terms of education, and
they're you know, Eva has add and and Ashton has dyslexia,
(21:11):
so they have certain issues. Ashon, for example, is really
struggling with physics. I mean, he's just you know, we've
got him with tutoring and but still he's having a
hard time. So yeah, we get called in, but it's
not for behavioral problems. So and no, you're right, you're
completely right, because that's the one thing teachers tell us
over and over again. They go, it used to be
(21:34):
twenty years ago, twenty five years ago. You know, you
call the parents in because the child is misbehaving, and Mike,
you know the child will be petrified. Now, she says,
all we do is argue with the parents. The parents
will never admit little Jenny is wrong or little Jimmy
is wrong, and they go, they're just creating monsters and
it's making it impossible for us to do our job
(21:56):
in the classroom. So you're dead on. Really good call,
very thoughtful call, Randy, Thank you, I appreciate it. Ryan
in Hingham, thanks for holding Ryan and welcome.
Speaker 5 (22:11):
Yeah.
Speaker 6 (22:11):
Well, the thing is is that I'm thousand percent not
for the band one. Parents have to be parents.
Speaker 4 (22:21):
What you have to do.
Speaker 6 (22:22):
When I raised my two children, I said, if you're
on Facebook, you friend me.
Speaker 5 (22:27):
Okay, you're not going on Facebook with what without my protection.
I am the gatekeeper of my children's mind, okay, period
and destroy parents have abdicated it. Okay, and doesn't matter
about the law because they will get around it by
either going to their older siblings or going over to parents' houses.
(22:50):
When I was raising my child, I said, you want
to go over there, not a problem.
Speaker 6 (22:55):
I must meet the parents because not it was a
Christian school. Are Christians? Not all Christians are the same.
Speaker 5 (23:03):
I want to make sure that they're not watching stuff
that I don't allow you to watch at home.
Speaker 6 (23:08):
This is a problem. People aren't parenting, they're being friends
to the child. Okay, No, you have to lay down
the law.
Speaker 5 (23:18):
They don't know how bad it is out there until
they get out there and we and we do, and
it's like I don't get it.
Speaker 6 (23:26):
I don't I don't get it. If you're going to
have a child, you.
Speaker 5 (23:30):
Better know that you're gonna have to twenty four to
seven be their gatekeeper period and destroy and if you
don't want to do it, have them adopted somewhere else.
Speaker 6 (23:39):
Because I'm sick.
Speaker 5 (23:40):
And tired of these people who tell me that no, no, no, no,
we need to create God rails for them.
Speaker 6 (23:46):
No no, no no, we need the parents to greet
the God.
Speaker 5 (23:49):
There God wraiales. You stay out of my life, stay
out of my wallet and stay out of my life.
Speaker 6 (23:55):
Don't let the government do it. They are going to
use it again.
Speaker 1 (24:02):
I go back to my opening monologue Ryan, where I
said I had two big regrets in my life in
terms of public policy positions that I've taken. I said
one was my support for the Iraq War and to
the Patriot Act. And this is how they sold both
both things. But it's part of the Patriot Act that
it was for our own good. Come on, we just
(24:23):
want to go after terrorists. Give us the tools to
go after terrorists, and it all seems so reasonable, and
then it ended up they weaponized it, perverted it, abused it,
and now they've been spying on us. I fear the
same thing. I'm with you, and I love your phrase.
We are the guardrails. To me, that's what a parent is.
(24:44):
You're the guard rail, you're the gatekeeper. And look, I
really want to stress this. I'm not trying to claim
that we're perfect parents. Were not. Believe me. Okay, you
learn on the job as a parent, but you're not
your child's friends and you're not. And it really annoys
(25:04):
Ashton and Eva because especially Grace, Grace is always I
don't want to say in their face, but she's in
their business. You know, who are you going to? No, No,
I want to meet the parents, you know, always always
hovering around them.
Okay, Grace was texting me during the show, as you know,
she's all for this band. She thinks I'm being very
naive and arguing this on free speech grounds, saying you
have no idea. These are corporate child molesters. These are
predators that are running these social media platforms and they
(00:22):
are praying on our children. That's almost a verbatim what
she texted me maybe half an hour ago. And then
she says to me, but let me guess your sister
probably agrees with you. Well, right on, cue, this is
what my sister texted me maybe about ooh, I would
say five minutes ago. Jeff, I am definitely not for
(00:45):
this social media ban. Social media can be a very
useful tool if used properly. Parents should control that, not
the government. The problem is not social media, but it
is the breakdown of the nuclear family and getting religion
out of the schools. I am more afraid of what
(01:09):
is being taught to my kids in school, and even
more so now in college, than what's happening on social media. Interesting,
both my two nephews, Andrew and Matthew, are now going
to college. They're both at the University of Arizona, SO
and Yeah, there's a big Marxist push. Both of them
(01:31):
are saying, Jeff, it's class after class. It's pure Communist
Marxist anti American indoctrination. You can't run from it. But anyway,
let that go. Six one seven two six six sixty
eight sixty eight is the number. Okay, let's go to
(01:52):
Mary in Woburn. Thanks for holding Marie, my bad Marie
in Woburn. Thanks for Marie, and welcome, Hi Jess.
Speaker 2 (02:03):
Thanks for taking my call Maureen. But that's okay, Marine man.
I called my daughter this morning because I know that
their phones are linked. I have two granddaughters. They're fourteen.
They were about twelve and a half. They each got
an iPhone for Christmas, but they had the providers set
it up so their phones were linked to the kids' phones.
So my son in law was linked to one of
(02:25):
the phones, my daughter was linked to the other phone,
so they if the kids tried to download an app,
they would get a notification to accept it or deny it.
And she was like, she was funny on the phone.
She was like when they first got them, she was like,
every ten minutes, no no, no, no no. And she
said that if they're on their phones. They can go
(02:48):
in and they can see how long they're spending on
the phone, and they can see exactly what they're doing
on the phone. So I'm with you. I wouldn't give
the federal government this. I mean, it's up to the parents.
And if parents do that, you know what I mean.
So it's done through family sharing or something. Like I said,
I didn't get a chance. I had a few more
questions for her, but she had to go. But you know,
(03:09):
Grace could be linked to Ava, You could be linked
to Ashton. They try to download something, you get a
notification that's exactly what we have.
Speaker 1 (03:17):
That's exactly marine, That's exactly what we have. It's on
Grace's phone. Grace monitors them more. I mean I always
ask them, I talk to them, but Grace is on
them like a hawk, like a hawk, so and that's
what she has. So she and the kids complain. I mean,
just to be clear, the kids aren't happy about it.
But I don't care. Grace and I like, I don't care.
(03:40):
It's either this or nothing. They can pick. But you know, Ava,
especially Ava, grumbling all the time. You know, her friends
don't have this. I don't care. So, like you know
she's going to me. You know, Momy knows everything that
I'm downloading. I'm like, yeah, and well, let's not fear.
What about my privacy? As long as you're in my house,
(04:01):
That's what I told her. As long as you're in
you're in my house, you don't have privacy. Do you understand? Now,
when you get your own house, you can have all
the privacy in the world. So that's what look to me.
I always believe this. If you're a parent, you need
to know what your children are doing at all times,
(04:24):
not just on social media, for everything, because it's the
world we live in. Mermine. Look, my parents would let me.
I would be biking for miles, I would play at
the park. My parents would say, you know whatever, let's
say it's a Saturday, eleven o'clock. I did my chores,
all right, Jeff be home by supper. Just go go
(04:47):
with your friends, go play. Let's go play. Come back
at five. It was a different time. You know, you
didn't have sex predators everywhere. I mean I could you know.
The laws were much tough. You had law and order,
you know, they were they were tough on criminals. It
was just such a different time. And everybody did it.
(05:07):
In a sense, it was safe. So, you know, we
played on our bikes, we played baseball, we played football.
We were at the park all day, you know, and
my parents were like, yeah, that's what kids do. They
go play. Now, forget it. You gotta seriously, you got
to watch everything, everything that goes on. And look, I
(05:29):
can just tell you this. I wouldn't It wouldn't even
enter my mind at any age, never mind at the
age of eight, to tell my father to go blank
off he killed me. It just wouldn't happen. Just to
see it here, I'll just give you another example. Marine,
(05:51):
I promise I'm gonna come back to you. Long story short.
Grace was tired, had a long day. She said, Jeff,
get something for us to have dinner. I don't want
to cook tonight. Okay. The kids, daddy, daddy, daddy, Chipotle.
They love Chipotle. Okay, So I end up going to Chipotle.
Ava is with me. We're getting the orders for all
of us, and then we're gonna take it back home. Now,
(06:14):
let me tell you this is something I've noticed now
it's been about five years. It's all teenagers that are
working at Chipotle. That's not what's new. I don't know
if there's no manager or the manager doesn't care. But
I'm for the first not first time for five years now,
but yesterday was really acute. They're throwing food at each
(06:36):
other as they're serving customers the employees, and in a
joking way, they're telling each other to go f themselves,
like you know, F you no, no, f you you know,
but you know, like I'm not in a series, but
like in a funny way. Joining us now as she
(06:57):
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 you.
Speaker 3 (07:16):
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
an ongoing reality. Groceries, travel, celebrating with family. It all
(07:41):
takes more planning and intention these days. That's why being
smart with your money matters so much in retirement. At
Kelly Financial we want you to feel confident and prepared.
We have a helpful resource for you, our Guide Inflation
and your Retirement. It explains how inflation affects retirees specifically
(08:04):
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, give us a call or email Jeff.
I'll continue this conversation with our Kelly Advisors tomorrow morning
(08:26):
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 1 (08:40):
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 eighty eight eight hundred eighteen
eighty one eight eighty eight eight hundred eighteen eighty one,
or you can actually email Kelly herself personally Kelly at
(09:02):
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,
(09:22):
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
(09:43):
front of the customers. And I'm just not picking on Chipotle.
I'm just giving you my experience from last night. My
thirteen year old daughter is there with me, and you
see the employees. They're not fighting or arguing, they're joking,
but they think constantly dropping the F bombs, honey. So
it's like, hey, blank you no, no, Blank, you called
(10:04):
blank yourself? You know, Hey, where's the effin Sara cream?
Who took all the effing Sawa cream?
Speaker 4 (10:12):
Oh?
Speaker 1 (10:12):
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 all this
social media. It's non stop swearing and they think swearing
is cool and funny. And apparently I'm getting text messages
(10:38):
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 you want
about those Christians, that Christian organization, but you go to
Chick fil A. They are ifeccably polite. Oh you won't
(10:58):
hear an F bomb when you go there. That is
that what you got to 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,
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
(11:22):
F word? Am I wrong? And then my daughter, who's thirteen,
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
(11:45):
to go to the McDonald's and say, hey, I'm gonna
order my big macmeal, but I'm gonna order it from
my daughter, Kay's first job. And you know, she comes up, Dad,
can I take your order? And as she's taking my order,
she's talking to other colleagues, fellow employees. Eh, yeah, you no, no,
if you go yourself, I said, Mike, you think this
(12:09):
is going to make Oh I'm so proud as a father,
look at the mouth on my daughter. 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
(12:30):
social media. The less time your kids spend on it,
trust me, the better. Randy in New Hampshire. Thanks for
holding Randy, and welcome.
Speaker 4 (12:42):
Good morning, Jeff. How are you.
Speaker 1 (12:43):
I'm good? How are you? Randy?
Speaker 5 (12:45):
Good?
Speaker 4 (12:46):
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 out that
you and Grace are outstanding parents. But the problem is
when you take something from your kids that others have
(13:09):
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 sheiba
when they're in their teens. And this was before Facebook.
(13:32):
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 a MySpace account. So they found a way
(13:54):
and created another account under an alias. And I learned
this because I created a MySpace account so I could
keep an eye because I suspected that something was going on. Now,
this was before smartphones and all of that. They had
to be on a computer, whether they got access to
it at school or at the library, I'm not sure
(14:17):
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. So that's number one.
Number two. You know, we talked about that that kid
(14:39):
with the water bottle incident and saying, you know, blank
off to her mother.
Speaker 5 (14:46):
Now.
Speaker 4 (14:47):
The only thing I have 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 him into
the car, and so on and so forth. Everybody's got
to sell phone. And that's what parents are concerned about today.
Parents are concerned about, you know, being called out for
(15:08):
roughing their kid up a little bit. And that's a
real uh, that's a real problem in our society. You know,
I can and parent, you know, the problem is parents
aren't parents any longer. They're not. 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.
(15:32):
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 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
(15:57):
this because it's out of control and it's outside the
parents control. Because most parents don't care. They don't care,
and it's.
Speaker 1 (16:07):
Randy, let me 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
(16:28):
ID where they can 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
(16:51):
they're going to start tracking them. Right, 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.
(17:11):
You can't drink until you're twenty one. In other words,
there's just certain things that a child 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
(17:32):
they just don't have a phone or sorry, a smartphone
or an iPhone, so they can there's no way they
can access anything on social media.
Speaker 5 (17:42):
What say you?
Speaker 1 (17:43):
Is that? Is that something? Am I going too far here?
Let's say you Randy? Okay, let's go right back to
Randy in New Hampshire. Randy, what do you say? Is
maybe the solution here? You can't sell a smartphone or
an iPhone to anyone under the age of sixteen. It's
(18:04):
like selling a loaded gun. No, you're sixteen, you can
get a smartphone. You're twenty one, you can get a gun.
Speaker 4 (18:13):
What say you, Well, it's one source of being able
to access social media. And by the way, it doesn't
have to be a kid buying a smartphone. It could
be a parent, right, So that's what you have to control.
This is going back to parenting, you know. And I'll
(18:34):
draw a parallel here and it might seem like I'm
going off topic, but hear me out. There was a
day when if a teacher called a parent to school
because of a issue going on with their kid. Maybe
they got into a fight on the playground, or maybe
they or caught cheating, whatever the case might be. It
(18:57):
used to be, my god, you thought your parents were
coming to the school to meet with the teacher. You
knew you were in some serious trouble because that parent
was going to hold you accountable. Because that was a
day when parenting was parenting. Now parents go to a
school and what do they do. They go to the
(19:18):
defense of their child, over and over and over again.
You hear about it, Oh that my kid couldn't do that,
that wasn't my child. You've got to be you know,
you're you're wrong, You're wrong. It's no different parents are
going to do for their children because we're in a
(19:39):
spoiled society and they don't think that their kid's going
to do anything wrong on social media. They've got control.
They don't think that they're going to be, you know,
influenced by anybody. My kids are good, My kids are great,
no issues. The reason that they don't sell alcohol to
people under the age of twenty one is they become
(20:02):
influenced by that and they can't control the influence. They
don't know when to stop, they don't know what the
limit is. It's no different than social media. They're being influenced.
And your caller, who, oh my god, that gentleman's daughter
who was Ugh, I don't even want to repeat it.
(20:24):
It's so awful.
Speaker 1 (20:25):
I can't even imagine parents a worst nightmare. No, Randy, look,
you make excellent points. There's no question. And look, that's
the one thing Grace and I were instilled in both
Ashton and Eva. I said, I better not get that call.
I said, if Grace gets that call or I get
that call, that I have to come to the school.
(20:47):
Because the two either one of you is misbehaving, you
are going to be in so much trouble you'll remember
for the rest of your life. Now I'm not saying
they don't get in trouble, but it's minor stuff. It's
petty stuff. We've never had to be called in. We
have to get called in for grades or because both
of them have certain issues in terms of education, and
they're you know, Eva has add and and Ashton has dyslexia,
(21:11):
so they have certain issues. Ashon, for example, is really
struggling with physics. I mean, he's just you know, we've
got him with tutoring and but still he's having a
hard time. So yeah, we get called in, but it's
not for behavioral problems. So and no, you're right, you're
completely right, because that's the one thing teachers tell us
over and over again. They go, it used to be
(21:34):
twenty years ago, twenty five years ago. You know, you
call the parents in because the child is misbehaving, and Mike,
you know the child will be petrified. Now, she says,
all we do is argue with the parents. The parents
will never admit little Jenny is wrong or little Jimmy
is wrong, and they go, they're just creating monsters and
it's making it impossible for us to do our job
(21:56):
in the classroom. So you're dead on. Really good call,
very thoughtful call, Randy, Thank you, I appreciate it. Ryan
in Hingham, thanks for holding Ryan and welcome.
Speaker 5 (22:11):
Yeah.
Speaker 6 (22:11):
Well, the thing is is that I'm thousand percent not
for the band one. Parents have to be parents.
Speaker 4 (22:21):
What you have to do.
Speaker 6 (22:22):
When I raised my two children, I said, if you're
on Facebook, you friend me.
Speaker 5 (22:27):
Okay, you're not going on Facebook with what without my protection.
I am the gatekeeper of my children's mind, okay, period
and destroy parents have abdicated it. Okay, and doesn't matter
about the law because they will get around it by
either going to their older siblings or going over to parents' houses.
(22:50):
When I was raising my child, I said, you want
to go over there, not a problem.
Speaker 6 (22:55):
I must meet the parents because not it was a
Christian school. Are Christians? Not all Christians are the same.
Speaker 5 (23:03):
I want to make sure that they're not watching stuff
that I don't allow you to watch at home.
Speaker 6 (23:08):
This is a problem. People aren't parenting, they're being friends
to the child. Okay, No, you have to lay down
the law.
Speaker 5 (23:18):
They don't know how bad it is out there until
they get out there and we and we do, and
it's like I don't get it.
Speaker 6 (23:26):
I don't I don't get it. If you're going to
have a child, you.
Speaker 5 (23:30):
Better know that you're gonna have to twenty four to
seven be their gatekeeper period and destroy and if you
don't want to do it, have them adopted somewhere else.
Speaker 6 (23:39):
Because I'm sick.
Speaker 5 (23:40):
And tired of these people who tell me that no, no, no, no,
we need to create God rails for them.
Speaker 6 (23:46):
No no, no no, we need the parents to greet
the God.
Speaker 5 (23:49):
There God wraiales. You stay out of my life, stay
out of my wallet and stay out of my life.
Speaker 6 (23:55):
Don't let the government do it. They are going to
use it again.
Speaker 1 (24:02):
I go back to my opening monologue Ryan, where I
said I had two big regrets in my life in
terms of public policy positions that I've taken. I said
one was my support for the Iraq War and to
the Patriot Act. And this is how they sold both
both things. But it's part of the Patriot Act that
it was for our own good. Come on, we just
(24:23):
want to go after terrorists. Give us the tools to
go after terrorists, and it all seems so reasonable, and
then it ended up they weaponized it, perverted it, abused it,
and now they've been spying on us. I fear the
same thing. I'm with you, and I love your phrase.
We are the guardrails. To me, that's what a parent is.
(24:44):
You're the guard rail, you're the gatekeeper. And look, I
really want to stress this. I'm not trying to claim
that we're perfect parents. Were not. Believe me. Okay, you
learn on the job as a parent, but you're not
your child's friends and you're not. And it really annoys
(25:04):
Ashton and Eva because especially Grace, Grace is always I
don't want to say in their face, but she's in
their business. You know, who are you going to? No, No,
I want to meet the parents, you know, always always
hovering around them.
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