Episode Transcript
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Speaker 1 (00:00):
Okay, it's all on the table. I want to hear
from you. Six one seven two, six, six sixty eight
sixty eight lines are loaded. Stacy in New Jersey. Thanks
for holding Stacy, and welcome, Jeff.
Speaker 2 (00:17):
How are you this morning?
Speaker 1 (00:19):
Very good? And thank you for asking Stacy.
Speaker 2 (00:24):
I'm going about two things. Number One, customer service. I'm
I'm on the other side of the counter. And let
me tell you. People come into our office they act
so entitled, or they call our office and they act
so entitled. They're nasty, they expect things that are just impossible,
(00:46):
and we try to accommodate people. But every day, every day,
and we work it's a medical office. It's it's a
lot of elderly people and they're some of the worst.
So it's not just the millennials. Oh really, yes, what
do you mean you can't get me into two thirty? Well,
we have an eleven o'clock available for you. I can't
(01:08):
make it at eleven o'clock. What do you mean you
don't have a two thirty today. It's like, you know,
we get that every day every day. And I could
tell you story after story about people that we try
to accommodate. We try to do for them, and they're
just it's just never good enough. We actually had we
accommodated a patient the other day and she had to
(01:32):
go to another doctor after us because she was having surgery.
And we found out that she was talking smack about
our office because she came to the visit unprepared and
had to be there for a little while to gather
all the information that they needed to do what they
had to do. She came unprepared and she's talking smack
(01:55):
about us, when well, we did and the other office
did was accommodate Hu. You know. So it's on both sides,
and it's not just the millennials.
Speaker 1 (02:07):
Oh, I believe you. No, I believe you, Stacy. If
I'm getting too personal, please tell me. I promise I
won't be offended. Has it gotten worse since COVID? Maybe
it hasn't. I'm just I mean, I don't know how
long you've been doing this, but I it seems to
me that people's behavior is really degenerated since COVID. But
(02:29):
have you experienced the same thing or was this always
even before COVID?
Speaker 2 (02:34):
Well, you know, when you're dealing with sick people, they
tend to take on that that tone, but it has
definitely gotten worse since COVID.
Speaker 3 (02:47):
You know.
Speaker 2 (02:47):
Now they're just and they'll call up and ask for
something and it's like, well, our next available for what,
you know, like a well, like a regular you know,
there's six or eight weeks out, and they're like, really,
I have to wait that long? And I'm like, I
can't call the dentist and get a well visit for
six months, you know what I'm saying, No, No.
Speaker 1 (03:06):
I understand why why?
Speaker 2 (03:08):
Because you wanted an out office, We're supposed to do it,
you know, you know it's.
Speaker 1 (03:13):
Just like hello, No, you're not a miracle worker. No,
I completely understand. Stacy. I've got to ask you, what
do you think is driving this? Like, you know, if
you and I were just you know, whatever you're at.
You know, Grace invites you over for one of her
great Italian dinners, and you know, We're just sitting around
the table with my family and I'm saying, you know, Stacey,
look between you and me and these four walls, what's
(03:35):
going on? Why are people behaving like this?
Speaker 2 (03:39):
I think the calla before kind of nailed it. There's
a power trip that people got during COVID I think
also there during those years with the riots and all
that they were empowered. I think that our children are
(04:00):
not being taught by their parents decent common courtesy. I mean,
I saw it when when my children, who were in
their early thirties, were children that their friends didn't have
common courtesy, and teachers would say say to me, oh,
your children are so polite. It's like, really, you know,
I'm just teaching on basics, you know, how to how
(04:23):
to answer a phone properly. That my children's friends were
not taught that, and I think they they that the
parents felt that, you know, they shouldn't restrict their children
and this, you know whatever. But so I think I
think that in the schools they're indoctrinated to be their
best self.
Speaker 4 (04:43):
Be their best self.
Speaker 2 (04:44):
Now, why don't you be a good person.
Speaker 1 (04:47):
I'm so with you, oh Stacey, I'm telling you, you're
it's like you and I are on the same wavelength. Really,
it's like you're finishing my sentences. And you know, it's
funny you should say that, because I've noticed that with
Ashton and Avis friends, they never say thank you ever. Ever, Oh,
there's one that's not true. There is one, Okay, there's
one one of Avia's friends is very polite, very well raised,
(05:09):
working class kid, good kid, good parents, hard working parents,
and he's very sweet, very nice and always just really polite,
well raised. But the others, I mean, you buy them pizza,
they don't say thank you. I'm not kidding. You buy
them ice cream, they don't say thank you. It's just
(05:31):
it's the weirdest thing. Forget please or forget that. No
one says please anymore for anything. And so the teachers.
I'm not saying I don't have problems with my kids.
I do. I'm not saying, oh, look at my kids,
they're perfect. But you know, I'm raising my kids say please,
say thank you, be polite. And you go to school
and you're like, oh, your kids are so well, you know,
(05:54):
they're so well behaved and they're so polite. I'm like, really,
but thank you please. And I'm always on their case
because sometimes at home they don't say it, and I said,
excuse me, what's the magic word thank you? And they'll
even say with an attitude, and I'll say, hey, knock
off the attitude here. I just went grocery shopping. I
(06:17):
got you everything you wanted. What's the magic word, you know, Okay,
thank you. I'm like, no, say it like you mean it.
So what I'm saying is just the basic courtesies now.
And they're like, oh your children, wow. And I look
at them like, really, is that how bad things have gotten?
(06:40):
I guess they have, stacy. Do you feel on some
days you just want to quit and give up when
you face this kind of constant verbal abuse.
Speaker 2 (06:53):
Absolutely, I wanted to say one thing. I'd rather have
the obsequious Eddie Haskell treatment than no thank you at all?
Speaker 5 (07:04):
Okay?
Speaker 3 (07:05):
And yes, I.
Speaker 2 (07:07):
Do everything I can to be nice to these people.
And it's really hard. It's really hard. It's not how
I am, but they've made me that way, you know,
these people just ask me. And I live in the
New York metropolitan area and people like you drive on
the streets and they don't how to drive anymore. And
it's been ever since COVID, ever since COVID. And I
(07:30):
want to say one thing about the airline. Now, I
don't go on my pajamas to go on a plane,
but I don't get dressed nicely because they don't respect me.
With a clean plane, I'm not wearing nice clothes.
Speaker 1 (07:44):
Oh, I'm not saying you should come in with a
suit or whatever, a beautiful dress or an outfit. No, No,
I mean I'm sure you shower, you know what I mean.
I'm sure I'm sure he was underharmedyholder, you know, I
bet you even do a little sprit sprits, like a
little perfume or so. You know. I mean, there's been
a few plane rides I've been on. I'm not kidding
(08:04):
the person beside me, Oh man, it was torture. Would
it kill you to put some soap and water on
your body? For God's sake? And here I'll buy you
the freaking deorderant, but slap some on your armpits for
God's sake. Joining us now, as she always does at
this time, she is the co founder, president CEO of
(08:29):
Kelly Financial Services, and yes, that is her incredibly wonderful name,
Kelly Kelly Kelly, how are.
Speaker 5 (08:41):
You, Good morning, Jeff? I am good. Retirement should feel
like freedom, not fear, and real retirement planning isn't just
about savings, It's about strategy. That's where a fiduciary financial
advisor makes all the difference. At Kelly Financial, So our
advisors walk you through a retirement income checklist that covers
(09:04):
everything from rising healthcare costs and inflation protection to smart
tax moves and income that lasts. As fiduciaries, our advisors
are legally and ethically obligated to put your best interest first.
That means helping you answer the tough questions like how
to avoid running out of money or what happens if
(09:25):
your spouse outlives you. Give us a call or email
us at Kelly at Kellyfinancial dot org to schedule your
complementary appointment. Jeff, I will continue this conversation with our
Kelly Advisors tomorrow morning at nine am on Safe Money
Strategies Radio. Do tune in or go to our website
for the radio rewind Jeff. Happy Mother's Day to Grace
(09:49):
and all the mothers listening in. Have a wonderful weekend. Everyone.
Speaker 1 (09:53):
Bless you, God bless you Kelly. Happy Mother's Day to
you as well, and all my best to everyone at
Kelly Financial. Call now for your free retirement consultation eight
eighty eight eight hundred eighteen eighty one eight eight eight
eight hundred eighteen eighty one, or you can actually email
Kelly yourself Kelly at Kelly Financial dot org. Kelly at
(10:17):
Kelly Financial dot org six one seven two sixty six
sixty eight sixty eight lines are jammed. Steve in New Hampshire.
Thanks for holding Steve, and welcome.
Speaker 6 (10:33):
Jeff.
Speaker 3 (10:34):
I just wanted to comment to regarding what you're saying
about body odors. Yes, if you've noticed, also you'll notice
on TV there's a lot of ads recently for what's
called full body theodors, and it's they talk about that
you don't have to bathe as says effective for seventy
(10:56):
two hours, which is three days. That they're telling you
you don't need to bathe a shower.
Speaker 6 (11:05):
It protects you better.
Speaker 3 (11:06):
Than washing daily. And there was an article several.
Speaker 6 (11:13):
Months back, I believe it was in Well Street Journal
talking about this that it is like a climate change
environmental action in that to save water and to cut down.
Speaker 3 (11:27):
On bathing a water usage.
Speaker 6 (11:30):
And it's also gets.
Speaker 3 (11:33):
Tied into as far as staying even in hotels. I
travel quite a bit on business and I've noticed as
staying in three four star hotels they do not change
your sheets and towels on a daily basis.
Speaker 6 (11:52):
A lot of them tell you have to request it.
Speaker 2 (11:55):
But if you're.
Speaker 3 (11:56):
Staying for a day, two days, three days, you won't
have your sheets, your your towels change, and it all
goes back to it's an environmental climate things save the
water usage.
Speaker 6 (12:12):
And I think that that's a big part of the
what's going on today is that they're telling us that
it's uh an environmental thing.
Speaker 3 (12:24):
To stop it again.
Speaker 1 (12:26):
You know, you're dead on Steve. It's under the guise
of you know, climate change and you know, a greener
planet and blah blah blah. And what's happening is people
are you know, they stink and you know things. I mean,
this was one of the great perks of going to
an American hotel is you would get clean sheets every day,
(12:48):
clean towels every day. To mean, nothing beats the smell
of a clean towel, really, you know, in the morning
whatever you wash your face, you shave your you know,
your you brush your teeth, and all that smell of
a nice clean towel in the morning it smells great,
you know. Or you come out of the shower and
there it is a nice, big, you know, clean you know,
(13:09):
a great smelling bath towel. And to me, it's just
it's again, you're just seeing our standard of living go down,
our quality of life constantly go down. And I got
to ask you, Steve, I don't know, maybe it's me,
maybe it's my upbringing, but I mean, you know you're
you know, you're right. I see these commercials as well.
(13:31):
You know, the full body the odorant good for seventy
two hours, you don't have to shower. I mean, do
you want to be around somebody who doesn't smell good?
And I don't just mean a movie theater, you know,
go to the grocery store you have to check out.
You're like, oh my good god, I mean, just get
me out of here. I'm gonna die. You know, the
(13:52):
guy who's bagging the groceries, I mean he stinks. I mean,
you know, your partner, you're at home. I mean, do
you want to be besides someone who doesn't smell good?
Do you want to be someone? Forgive me? You're in
bed with someone and they don't you know, honey, when
was the last time you showered? Oh, four days ago?
You know, I'm like, ugh, you know, I mean, Steve,
(14:14):
am I wrong? And so are these moonbats these liberals
like but they don't mind, like forgive me, they don't
mind being intimate with someone who doesn't smell good like that.
This doesn't bother them. I mean it just you know,
so you want to keep reusing a towel that doesn't
smell good and that's dirty. You know, you want me
(14:37):
to be beside you and watching television or whatever we're
doing at night, and I got this, you know, you
know it stinks from your armpits. But hey, we're doing
it for the environment. Like after a while, don't liberals care?
Don't they have standards? Or am I missing something here, Steve?
Speaker 3 (15:01):
And it's and it is a push for a that
type of an environment.
Speaker 6 (15:07):
You know, people love to go they talk about Europe,
they go on the European trips, and they love the
uh the ambiance of Europe. And that's what part of
Europe was or is still is. Again they do not
you go in some elevated in a in a hotel
(15:28):
or in a facility and in Europe and it does
smellon there terribly from body odor. And yet this is
what people.
Speaker 3 (15:40):
Feel is a good thing for us to do.
Speaker 2 (15:43):
They want to cut down on the air.
Speaker 3 (15:44):
Conditioning, they want to cut down on anything. Again, it
goes back to a climate change.
Speaker 1 (15:53):
Steve, and Steve, I wish you were wrong, but you
are one thousand correct. When I go to Europe, I
notice it as well. By the way, there's official statistics
continental Europeans will maybe change. It depends. Every country is
slightly different, obviously, but they only change underwear about once
(16:13):
or twice a week, both men and women. For example,
in France, they average French person male or female will
only bathe or shower once a week once a week.
So their standards of personal hygiene and cleanliness very different
from ours. And you're right. When I go to Europe,
(16:36):
I do notice the difference. There's a lot more body
order there, and that's something we used to know. I'm
not saying you don't meet the occasional person, but here
it was like, no Americans smell great. You know, Americans
are like clean fanatics. Oh my god. They got a
shower every day every day. Look, just to give you
an example, my dad was very clean. My mom was
very clean. But just to give you an example, my
(16:59):
dad and my mom would maybe shower a bathe three
times four times a week. I always, my sister and
I we always showered every day. Right. You know, Canada
is like the United States, so every day we showered,
we showered, we showered. My parents thought that was a
little bit weird, like I mean initial, I mean, they
got used to it. Obviously they realized everybody else did it,
(17:22):
but they thought like geez, like that's successive, like by
you know, because they still came from Europe. So they're like,
you know, hey, we bathe quite a bit. We're bathing
three times a week, you know, even four times a week,
that's a lot. But you guys every day and we're like, well, yeah,
or you know, sometimes I would change my socks twice
(17:42):
a day, you know, like when I would play sports
or whatever, I'd take it off and put on a
fresh pear. And my mother said like, wow, like in Europe,
you don't, you don't do that. So I'm just saying,
we used to have such high standards of cleanliness, and
now you're right, we're just they're trying to make us
(18:03):
more European in the name of climate change. And I
don't know about you, but I don't want to be
around someone who stinks. Call me crazy. Nine to forty
eight On the Gray Wrko Jeff Cooner Boston's Bulldozer six
one seven two six six sixty eight sixty eight. Okay,
(18:25):
I just want to give everybody a heads up in
about ooh, just over about an hour and a half
at eleven twenty five am Eastern Standard time, I am
going to be on Newsmax on National Report on their
political panel, So if you want to see more of
the cooner Man, I'll probably be debating a liberal. I've
(18:48):
been doing this now for several weeks on Newsmax. They
have me debating a liberal. Sometimes there are fireworks, other
times they're not. We shall see what will happen today.
But eleventh twenty five am schedule to be on Newsmax,
and hopefully we'll have some fireworks. Six one seven two
(19:09):
six six sixty eight sixty eight. Lisa in Belmont. Thanks
for holding Lisa, and welcome.
Speaker 4 (19:18):
If I just want to make two quick points, because
you're talking about two subjects this morning.
Speaker 1 (19:23):
Yes.
Speaker 4 (19:24):
The first one is I taught CCD years ago and
the Catholic Church was slowly going away from Catholic doctrine
in their teaching. And when we had Catholic doctrine, people
would dress up for church, people had children that were married,
we didn't have all this liberalism. They were very strict,
(19:49):
and I think when I was teaching, we had to
compete with the sports going on in schools, and we
actually had to stop teaching at night because the kids
had sports on Saturday and Sunday. The kids was slowly
getting away from the Catholic church. They weren't they didn't
know anything about the rosaries, they weren't going to confession.
(20:11):
I mean, everything just broke down slowly, and I think
that's a big problem what's happening in society, the breakdown
of the family. Another thing is on your second point.
This morning, a woman wrote on Beaumont community Chat that
her water bill was so high she almost passed out,
(20:33):
and she said, from now on, I'm taking a shower
maybe three times a week. I personally think on this
second subject that you've been talking about, I think I
don't think it's anything to do with this green stuff.
I think things have gotten so expensive. People are cracking up.
I mean, that's why they're snapping at each other. It's
(20:53):
a whole conglomeration of everything just keep going higher and
higher and higher.
Speaker 2 (20:59):
What say you?
Speaker 1 (21:00):
You know, that's a very very interesting point. I didn't
even think of that angle. Again, I mean Lisa, I
have to say this best audience in the business. I mean,
I know I keep saying it, but really it's true. Look,
I can just tell you this from my point of view. Okay,
we're fine, We're doing great. I don't want you. I'm
(21:21):
not pleading poverty. Please don't get me wrong. I'm constantly complain.
I never was like this before. I don't mean complain
as if I'm angry. I'm just everything is so expensive.
I'm noticing it all the time, and it's just you
feel under constant financial pressure and you can never get ahead.
(21:44):
And you know, the water bills. It's Grace comes and
gives me the water bill. I'm like, this is insane,
Like this is insane, this is not normal. The electricity bill,
the energy bill. I go, who can afford this? I mean,
you pay, but there's no room to breathe. And you know,
you've got a mortgage, you've got car payments. You got
(22:06):
you need a car. You got to get to work,
you got to get around, you gotta have a place
to live. You know, you got to send the kids
to school, you got to pack them a lunch. You
know they're teenagers now they're eating you out. Of house
and home. You know how teenagers are, and they want
clothes and they want sneakers, and they want you know,
they want to have some stuff that they can wear,
(22:26):
and it's just everything is a bomb. And I think
you're right. I think a lot of it is. It's
becoming expensive now to you know, to have hot water.
And I think people are under so much financial pressure
and financial stress because they're stretched to the limit credit
card debt. There was a story in the Wall Street
(22:47):
Journal record high. Never in the history of the United
States has the average American had as much credit card
debt as we do now. And so what's happening. This
is now coming the American way of life. You get
a credit card to pay off the credit card because
(23:08):
you know, they've got the interest payments which are killing
them because they've you know, maxed out their credit cards.
So what they're doing now, and this is very dangerous,
is they'll take a visa to pay off the master
card because the master card was there to pay off
the Discover card. Now that is a very stressful way
to live. And I think you're right. I think that explains,
(23:30):
you know, one of the reasons why people are angry.
People are cranky, people are frustrated, People blow up over
the littlest things. And you know, we have to make
a decision. Either we reduce our standard of living, our
quality of life, our expectations, and just learn and learn
(23:52):
to live within our means, in other words, be poorer
and accept it. Or And this is why I'm with
Trump all the way. We start reversing these destructive policies.
But my fear, Lisa, is if we don't turn things
around and quick, you are going to see the end
of the middle class in the United States. It really
(24:14):
feels now that the middle class is under tremendous pressure
from all the taxes to the high end, you know,
the high cost of living, to everything. It just feels
we're being hit from every angle, and I feel financially
under siege. We're fine, kids are healthy, I got a
roof over my head, we have two cars. We're not
(24:37):
lacking for anything. But I just look at my dad.
He had it was easier it was, and they had
money in the bank and they I've put nothing away
for retirement. Grace is gonna get mad at me now
because I'm spilling the beans a butter. We're fine. I
don't have a four oh one K account. Now we
have other financial investments. I'm not saying I'm gonna be
(24:59):
poor or when I you know, when I retire. But
what I'm saying is people are like, oh, I have
money left over for, you know, to invest in the
stock market or invest in four to one k, you know,
my four oh one K portfolio. I'm like, really, how
do you do it? Honest? I often say this. I
will take the kids out to McDonald's or go grocery
(25:20):
shopping or whatever it may be, and I drive or
I tank up and I drive around, and I look
around me and I go I don't know how other
people do it, because I'm stretching my dollar to the
max
Okay, it's all on the table. I want to hear
from you. Six one seven two, six, six sixty eight
sixty eight lines are loaded. Stacy in New Jersey. Thanks
for holding Stacy, and welcome, Jeff.
Speaker 2 (00:17):
How are you this morning?
Speaker 1 (00:19):
Very good? And thank you for asking Stacy.
Speaker 2 (00:24):
I'm going about two things. Number One, customer service. I'm
I'm on the other side of the counter. And let
me tell you. People come into our office they act
so entitled, or they call our office and they act
so entitled. They're nasty, they expect things that are just impossible,
(00:46):
and we try to accommodate people. But every day, every day,
and we work it's a medical office. It's it's a
lot of elderly people and they're some of the worst.
So it's not just the millennials. Oh really, yes, what
do you mean you can't get me into two thirty? Well,
we have an eleven o'clock available for you. I can't
(01:08):
make it at eleven o'clock. What do you mean you
don't have a two thirty today. It's like, you know,
we get that every day every day. And I could
tell you story after story about people that we try
to accommodate. We try to do for them, and they're
just it's just never good enough. We actually had we
accommodated a patient the other day and she had to
(01:32):
go to another doctor after us because she was having surgery.
And we found out that she was talking smack about
our office because she came to the visit unprepared and
had to be there for a little while to gather
all the information that they needed to do what they
had to do. She came unprepared and she's talking smack
(01:55):
about us, when well, we did and the other office
did was accommodate Hu. You know. So it's on both sides,
and it's not just the millennials.
Speaker 1 (02:07):
Oh, I believe you. No, I believe you, Stacy. If
I'm getting too personal, please tell me. I promise I
won't be offended. Has it gotten worse since COVID? Maybe
it hasn't. I'm just I mean, I don't know how
long you've been doing this, but I it seems to
me that people's behavior is really degenerated since COVID. But
(02:29):
have you experienced the same thing or was this always
even before COVID?
Speaker 2 (02:34):
Well, you know, when you're dealing with sick people, they
tend to take on that that tone, but it has
definitely gotten worse since COVID.
Speaker 3 (02:47):
You know.
Speaker 2 (02:47):
Now they're just and they'll call up and ask for
something and it's like, well, our next available for what,
you know, like a well, like a regular you know,
there's six or eight weeks out, and they're like, really,
I have to wait that long? And I'm like, I
can't call the dentist and get a well visit for
six months, you know what I'm saying, No, No.
Speaker 1 (03:06):
I understand why why?
Speaker 2 (03:08):
Because you wanted an out office, We're supposed to do it,
you know, you know it's.
Speaker 1 (03:13):
Just like hello, No, you're not a miracle worker. No,
I completely understand. Stacy. I've got to ask you, what
do you think is driving this? Like, you know, if
you and I were just you know, whatever you're at.
You know, Grace invites you over for one of her
great Italian dinners, and you know, We're just sitting around
the table with my family and I'm saying, you know, Stacey,
look between you and me and these four walls, what's
(03:35):
going on? Why are people behaving like this?
Speaker 2 (03:39):
I think the calla before kind of nailed it. There's
a power trip that people got during COVID I think
also there during those years with the riots and all
that they were empowered. I think that our children are
(04:00):
not being taught by their parents decent common courtesy. I mean,
I saw it when when my children, who were in
their early thirties, were children that their friends didn't have
common courtesy, and teachers would say say to me, oh,
your children are so polite. It's like, really, you know,
I'm just teaching on basics, you know, how to how
(04:23):
to answer a phone properly. That my children's friends were
not taught that, and I think they they that the
parents felt that, you know, they shouldn't restrict their children
and this, you know whatever. But so I think I
think that in the schools they're indoctrinated to be their
best self.
Speaker 4 (04:43):
Be their best self.
Speaker 2 (04:44):
Now, why don't you be a good person.
Speaker 1 (04:47):
I'm so with you, oh Stacey, I'm telling you, you're
it's like you and I are on the same wavelength. Really,
it's like you're finishing my sentences. And you know, it's
funny you should say that, because I've noticed that with
Ashton and Avis friends, they never say thank you ever. Ever, Oh,
there's one that's not true. There is one, Okay, there's
one one of Avia's friends is very polite, very well raised,
(05:09):
working class kid, good kid, good parents, hard working parents,
and he's very sweet, very nice and always just really polite,
well raised. But the others, I mean, you buy them pizza,
they don't say thank you. I'm not kidding. You buy
them ice cream, they don't say thank you. It's just
(05:31):
it's the weirdest thing. Forget please or forget that. No
one says please anymore for anything. And so the teachers.
I'm not saying I don't have problems with my kids.
I do. I'm not saying, oh, look at my kids,
they're perfect. But you know, I'm raising my kids say please,
say thank you, be polite. And you go to school
and you're like, oh, your kids are so well, you know,
(05:54):
they're so well behaved and they're so polite. I'm like, really,
but thank you please. And I'm always on their case
because sometimes at home they don't say it, and I said,
excuse me, what's the magic word thank you? And they'll
even say with an attitude, and I'll say, hey, knock
off the attitude here. I just went grocery shopping. I
(06:17):
got you everything you wanted. What's the magic word, you know, Okay,
thank you. I'm like, no, say it like you mean it.
So what I'm saying is just the basic courtesies now.
And they're like, oh your children, wow. And I look
at them like, really, is that how bad things have gotten?
(06:40):
I guess they have, stacy. Do you feel on some
days you just want to quit and give up when
you face this kind of constant verbal abuse.
Speaker 2 (06:53):
Absolutely, I wanted to say one thing. I'd rather have
the obsequious Eddie Haskell treatment than no thank you at all?
Speaker 5 (07:04):
Okay?
Speaker 3 (07:05):
And yes, I.
Speaker 2 (07:07):
Do everything I can to be nice to these people.
And it's really hard. It's really hard. It's not how
I am, but they've made me that way, you know,
these people just ask me. And I live in the
New York metropolitan area and people like you drive on
the streets and they don't how to drive anymore. And
it's been ever since COVID, ever since COVID. And I
(07:30):
want to say one thing about the airline. Now, I
don't go on my pajamas to go on a plane,
but I don't get dressed nicely because they don't respect me.
With a clean plane, I'm not wearing nice clothes.
Speaker 1 (07:44):
Oh, I'm not saying you should come in with a
suit or whatever, a beautiful dress or an outfit. No, No,
I mean I'm sure you shower, you know what I mean.
I'm sure I'm sure he was underharmedyholder, you know, I
bet you even do a little sprit sprits, like a
little perfume or so. You know. I mean, there's been
a few plane rides I've been on. I'm not kidding
(08:04):
the person beside me, Oh man, it was torture. Would
it kill you to put some soap and water on
your body? For God's sake? And here I'll buy you
the freaking deorderant, but slap some on your armpits for
God's sake. Joining us now, as she always does at
this time, she is the co founder, president CEO of
(08:29):
Kelly Financial Services, and yes, that is her incredibly wonderful name,
Kelly Kelly Kelly, how are.
Speaker 5 (08:41):
You, Good morning, Jeff? I am good. Retirement should feel
like freedom, not fear, and real retirement planning isn't just
about savings, It's about strategy. That's where a fiduciary financial
advisor makes all the difference. At Kelly Financial, So our
advisors walk you through a retirement income checklist that covers
(09:04):
everything from rising healthcare costs and inflation protection to smart
tax moves and income that lasts. As fiduciaries, our advisors
are legally and ethically obligated to put your best interest first.
That means helping you answer the tough questions like how
to avoid running out of money or what happens if
(09:25):
your spouse outlives you. Give us a call or email
us at Kelly at Kellyfinancial dot org to schedule your
complementary appointment. Jeff, I will continue this conversation with our
Kelly Advisors tomorrow morning at nine am on Safe Money
Strategies Radio. Do tune in or go to our website
for the radio rewind Jeff. Happy Mother's Day to Grace
(09:49):
and all the mothers listening in. Have a wonderful weekend. Everyone.
Speaker 1 (09:53):
Bless you, God bless you Kelly. Happy Mother's Day to
you as well, and all my best to everyone at
Kelly Financial. Call now for your free retirement consultation eight
eighty eight eight hundred eighteen eighty one eight eight eight
eight hundred eighteen eighty one, or you can actually email
Kelly yourself Kelly at Kelly Financial dot org. Kelly at
(10:17):
Kelly Financial dot org six one seven two sixty six
sixty eight sixty eight lines are jammed. Steve in New Hampshire.
Thanks for holding Steve, and welcome.
Speaker 6 (10:33):
Jeff.
Speaker 3 (10:34):
I just wanted to comment to regarding what you're saying
about body odors. Yes, if you've noticed, also you'll notice
on TV there's a lot of ads recently for what's
called full body theodors, and it's they talk about that
you don't have to bathe as says effective for seventy
(10:56):
two hours, which is three days. That they're telling you
you don't need to bathe a shower.
Speaker 6 (11:05):
It protects you better.
Speaker 3 (11:06):
Than washing daily. And there was an article several.
Speaker 6 (11:13):
Months back, I believe it was in Well Street Journal
talking about this that it is like a climate change
environmental action in that to save water and to cut down.
Speaker 3 (11:27):
On bathing a water usage.
Speaker 6 (11:30):
And it's also gets.
Speaker 3 (11:33):
Tied into as far as staying even in hotels. I
travel quite a bit on business and I've noticed as
staying in three four star hotels they do not change
your sheets and towels on a daily basis.
Speaker 6 (11:52):
A lot of them tell you have to request it.
Speaker 2 (11:55):
But if you're.
Speaker 3 (11:56):
Staying for a day, two days, three days, you won't
have your sheets, your your towels change, and it all
goes back to it's an environmental climate things save the
water usage.
Speaker 6 (12:12):
And I think that that's a big part of the
what's going on today is that they're telling us that
it's uh an environmental thing.
Speaker 3 (12:24):
To stop it again.
Speaker 1 (12:26):
You know, you're dead on Steve. It's under the guise
of you know, climate change and you know, a greener
planet and blah blah blah. And what's happening is people
are you know, they stink and you know things. I mean,
this was one of the great perks of going to
an American hotel is you would get clean sheets every day,
(12:48):
clean towels every day. To mean, nothing beats the smell
of a clean towel, really, you know, in the morning
whatever you wash your face, you shave your you know,
your you brush your teeth, and all that smell of
a nice clean towel in the morning it smells great,
you know. Or you come out of the shower and
there it is a nice, big, you know, clean you know,
(13:09):
a great smelling bath towel. And to me, it's just
it's again, you're just seeing our standard of living go down,
our quality of life constantly go down. And I got
to ask you, Steve, I don't know, maybe it's me,
maybe it's my upbringing, but I mean, you know you're
you know, you're right. I see these commercials as well.
(13:31):
You know, the full body the odorant good for seventy
two hours, you don't have to shower. I mean, do
you want to be around somebody who doesn't smell good?
And I don't just mean a movie theater, you know,
go to the grocery store you have to check out.
You're like, oh my good god, I mean, just get
me out of here. I'm gonna die. You know, the
(13:52):
guy who's bagging the groceries, I mean he stinks. I mean,
you know, your partner, you're at home. I mean, do
you want to be besides someone who doesn't smell good?
Do you want to be someone? Forgive me? You're in
bed with someone and they don't you know, honey, when
was the last time you showered? Oh, four days ago?
You know, I'm like, ugh, you know, I mean, Steve,
(14:14):
am I wrong? And so are these moonbats these liberals
like but they don't mind, like forgive me, they don't
mind being intimate with someone who doesn't smell good like that.
This doesn't bother them. I mean it just you know,
so you want to keep reusing a towel that doesn't
smell good and that's dirty. You know, you want me
(14:37):
to be beside you and watching television or whatever we're
doing at night, and I got this, you know, you
know it stinks from your armpits. But hey, we're doing
it for the environment. Like after a while, don't liberals care?
Don't they have standards? Or am I missing something here, Steve?
Speaker 3 (15:01):
And it's and it is a push for a that
type of an environment.
Speaker 6 (15:07):
You know, people love to go they talk about Europe,
they go on the European trips, and they love the
uh the ambiance of Europe. And that's what part of
Europe was or is still is. Again they do not
you go in some elevated in a in a hotel
(15:28):
or in a facility and in Europe and it does
smellon there terribly from body odor. And yet this is
what people.
Speaker 3 (15:40):
Feel is a good thing for us to do.
Speaker 2 (15:43):
They want to cut down on the air.
Speaker 3 (15:44):
Conditioning, they want to cut down on anything. Again, it
goes back to a climate change.
Speaker 1 (15:53):
Steve, and Steve, I wish you were wrong, but you
are one thousand correct. When I go to Europe, I
notice it as well. By the way, there's official statistics
continental Europeans will maybe change. It depends. Every country is
slightly different, obviously, but they only change underwear about once
(16:13):
or twice a week, both men and women. For example,
in France, they average French person male or female will
only bathe or shower once a week once a week.
So their standards of personal hygiene and cleanliness very different
from ours. And you're right. When I go to Europe,
(16:36):
I do notice the difference. There's a lot more body
order there, and that's something we used to know. I'm
not saying you don't meet the occasional person, but here
it was like, no Americans smell great. You know, Americans
are like clean fanatics. Oh my god. They got a
shower every day every day. Look, just to give you
an example, my dad was very clean. My mom was
very clean. But just to give you an example, my
(16:59):
dad and my mom would maybe shower a bathe three
times four times a week. I always, my sister and
I we always showered every day. Right. You know, Canada
is like the United States, so every day we showered,
we showered, we showered. My parents thought that was a
little bit weird, like I mean initial, I mean, they
got used to it. Obviously they realized everybody else did it,
(17:22):
but they thought like geez, like that's successive, like by
you know, because they still came from Europe. So they're like,
you know, hey, we bathe quite a bit. We're bathing
three times a week, you know, even four times a week,
that's a lot. But you guys every day and we're like, well, yeah,
or you know, sometimes I would change my socks twice
(17:42):
a day, you know, like when I would play sports
or whatever, I'd take it off and put on a
fresh pear. And my mother said like, wow, like in Europe,
you don't, you don't do that. So I'm just saying,
we used to have such high standards of cleanliness, and
now you're right, we're just they're trying to make us
(18:03):
more European in the name of climate change. And I
don't know about you, but I don't want to be
around someone who stinks. Call me crazy. Nine to forty
eight On the Gray Wrko Jeff Cooner Boston's Bulldozer six
one seven two six six sixty eight sixty eight. Okay,
(18:25):
I just want to give everybody a heads up in
about ooh, just over about an hour and a half
at eleven twenty five am Eastern Standard time, I am
going to be on Newsmax on National Report on their
political panel, So if you want to see more of
the cooner Man, I'll probably be debating a liberal. I've
(18:48):
been doing this now for several weeks on Newsmax. They
have me debating a liberal. Sometimes there are fireworks, other
times they're not. We shall see what will happen today.
But eleventh twenty five am schedule to be on Newsmax,
and hopefully we'll have some fireworks. Six one seven two
(19:09):
six six sixty eight sixty eight. Lisa in Belmont. Thanks
for holding Lisa, and welcome.
Speaker 4 (19:18):
If I just want to make two quick points, because
you're talking about two subjects this morning.
Speaker 1 (19:23):
Yes.
Speaker 4 (19:24):
The first one is I taught CCD years ago and
the Catholic Church was slowly going away from Catholic doctrine
in their teaching. And when we had Catholic doctrine, people
would dress up for church, people had children that were married,
we didn't have all this liberalism. They were very strict,
(19:49):
and I think when I was teaching, we had to
compete with the sports going on in schools, and we
actually had to stop teaching at night because the kids
had sports on Saturday and Sunday. The kids was slowly
getting away from the Catholic church. They weren't they didn't
know anything about the rosaries, they weren't going to confession.
(20:11):
I mean, everything just broke down slowly, and I think
that's a big problem what's happening in society, the breakdown
of the family. Another thing is on your second point.
This morning, a woman wrote on Beaumont community Chat that
her water bill was so high she almost passed out,
(20:33):
and she said, from now on, I'm taking a shower
maybe three times a week. I personally think on this
second subject that you've been talking about, I think I
don't think it's anything to do with this green stuff.
I think things have gotten so expensive. People are cracking up.
I mean, that's why they're snapping at each other. It's
(20:53):
a whole conglomeration of everything just keep going higher and
higher and higher.
Speaker 2 (20:59):
What say you?
Speaker 1 (21:00):
You know, that's a very very interesting point. I didn't
even think of that angle. Again, I mean Lisa, I
have to say this best audience in the business. I mean,
I know I keep saying it, but really it's true. Look,
I can just tell you this from my point of view. Okay,
we're fine, We're doing great. I don't want you. I'm
(21:21):
not pleading poverty. Please don't get me wrong. I'm constantly complain.
I never was like this before. I don't mean complain
as if I'm angry. I'm just everything is so expensive.
I'm noticing it all the time, and it's just you
feel under constant financial pressure and you can never get ahead.
(21:44):
And you know, the water bills. It's Grace comes and
gives me the water bill. I'm like, this is insane,
Like this is insane, this is not normal. The electricity bill,
the energy bill. I go, who can afford this? I mean,
you pay, but there's no room to breathe. And you know,
you've got a mortgage, you've got car payments. You got
(22:06):
you need a car. You got to get to work,
you got to get around, you gotta have a place
to live. You know, you got to send the kids
to school, you got to pack them a lunch. You
know they're teenagers now they're eating you out. Of house
and home. You know how teenagers are, and they want
clothes and they want sneakers, and they want you know,
they want to have some stuff that they can wear,
(22:26):
and it's just everything is a bomb. And I think
you're right. I think a lot of it is. It's
becoming expensive now to you know, to have hot water.
And I think people are under so much financial pressure
and financial stress because they're stretched to the limit credit
card debt. There was a story in the Wall Street
(22:47):
Journal record high. Never in the history of the United
States has the average American had as much credit card
debt as we do now. And so what's happening. This
is now coming the American way of life. You get
a credit card to pay off the credit card because
(23:08):
you know, they've got the interest payments which are killing
them because they've you know, maxed out their credit cards.
So what they're doing now, and this is very dangerous,
is they'll take a visa to pay off the master
card because the master card was there to pay off
the Discover card. Now that is a very stressful way
to live. And I think you're right. I think that explains,
(23:30):
you know, one of the reasons why people are angry.
People are cranky, people are frustrated, People blow up over
the littlest things. And you know, we have to make
a decision. Either we reduce our standard of living, our
quality of life, our expectations, and just learn and learn
(23:52):
to live within our means, in other words, be poorer
and accept it. Or And this is why I'm with
Trump all the way. We start reversing these destructive policies.
But my fear, Lisa, is if we don't turn things
around and quick, you are going to see the end
of the middle class in the United States. It really
(24:14):
feels now that the middle class is under tremendous pressure
from all the taxes to the high end, you know,
the high cost of living, to everything. It just feels
we're being hit from every angle, and I feel financially
under siege. We're fine, kids are healthy, I got a
roof over my head, we have two cars. We're not
(24:37):
lacking for anything. But I just look at my dad.
He had it was easier it was, and they had
money in the bank and they I've put nothing away
for retirement. Grace is gonna get mad at me now
because I'm spilling the beans a butter. We're fine. I
don't have a four oh one K account. Now we
have other financial investments. I'm not saying I'm gonna be
(24:59):
poor or when I you know, when I retire. But
what I'm saying is people are like, oh, I have
money left over for, you know, to invest in the
stock market or invest in four to one k, you know,
my four oh one K portfolio. I'm like, really, how
do you do it? Honest? I often say this. I
will take the kids out to McDonald's or go grocery
(25:20):
shopping or whatever it may be, and I drive or
I tank up and I drive around, and I look
around me and I go I don't know how other
people do it, because I'm stretching my dollar to the
max
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