Kelly Financial: Saturday, April 11, 2026

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Episode Transcript

Speaker 1 (00:12):
Coming to.

Speaker 2 (00:20):
Ladies and gentlemen. Welcome to Safe Money Strategies on WRKO.

Speaker 3 (00:24):
I'm William Kelly and it's an honor to carry on
a family legacy rooted in real world values.

Speaker 2 (00:29):
And practical advice.

Speaker 3 (00:31):
Kelly Financial was founded in two thousand and three by
my parents, my late father Bill Kelly and my mother
Kelly Kelly and Braintree and Burlington, Massachusetts. Just two years later,
Dad launched Safe Money Strategies on WRKO as a no
nonsense call in radio show focused on common sense planning
and protecting wealth. Over the past two decades, Dad became

(00:51):
a pillar in New England finance, an engineer turn entrepreneur,
author and philanthropist who believed in giving back and walking
the talk. Since our show has remained a Saturday morning staple,
offering insight and empowerment. Here at Kelly Financial, we help
steward over eight hundred million dollars across our affiliated business,
including more than six hundred million dollars managed by our

(01:13):
sec registered investment advisory, where fiduciary care and our family
first philosophy guides us on safe money strategies. You'll hear
candid conversations with the team my mother, Kelly, myself, advisors
Charlie Gable, Mike Ducett, Greg Workman, Greg Murray, my sister Mary, Madeline,
Tom Schleger, and Josh Smith. We live by two rules,

(01:35):
never quit and carry on, and we're here to help
you do the same when it comes to your money.
Stick around, take notes, and join the conversation. To learn more,
or get our free guides or schedule a consultation, visit
Kellyfinancial dot org or call us at eighty eight eight
eight hundred one eight eight one. This is Safe Money Strategies.
Next up Forever Young with Kelly Kelly and myself, William

(01:57):
Kelly Junior.

Speaker 4 (01:58):
Year Safe Money Strategies with William Kelly and Kelly Kelly
eight hundred eighteen eighty one.

Speaker 5 (02:13):
Each week on Safe Money Strategies, we take a moment
to step back from the headlines and have a real conversation,
the kind you might have around the kitchen table. This
is a part of the show we call Forever Young
is where I sit down with my handsome son, William
Kelly Junior, and we talk about life, what's going on
in the world, and our family and what really matters

(02:36):
most when you're planning.

Speaker 2 (02:37):
For the future.

Speaker 5 (02:38):
Sometimes it is light, sometimes as thoughtful, but it's always real.

Speaker 2 (02:42):
Good morning, William.

Speaker 3 (02:43):
Good morning mom, beautiful mom, beautiful mother, than birthday mom
as well. She's trying thirty three ladies and gentlemen.

Speaker 2 (02:52):
Oh thank you. I love you crazy, I love you.
Take it and I am very excited. We're going to
have a nice weekend dinner. Mary Madaline will be there.

Speaker 3 (03:02):
And speaking about Mary Madeline, I think we should backtrack
real quick to Easter Sunday.

Speaker 2 (03:08):
Mary Madeline and I had our Easter egg.

Speaker 3 (03:10):
Hunt with a special guest, my buddy from college who
lives up in Maine, so he wasn't able to go
home for the weekend.

Speaker 2 (03:18):
He's also Jewish.

Speaker 3 (03:19):
This was his first Easter Sunday ever, and so we
had an agreement I would do Passover with him at
the school and I did my first Passover ever, and
I would treat him to Easter on Sunday and he
would have his first Easter ever.

Speaker 2 (03:31):
And I really enjoyed Passover.

Speaker 3 (03:33):
It seems like a great tradition, and I know every
family has It's like Christmas.

Speaker 2 (03:37):
Every family kind of.

Speaker 3 (03:38):
Has their own version, like not version, but they have
their own traditions. Rather, I thought it was very nice.
I really enjoyed the bonding experience. It was fun and
it was very spiritual, and Easter Sunday was just great.
It was a blessing having everybody together, including John Boudras,
and we ended up having the Easter egg hunt.

Speaker 2 (03:56):
Okay, ladies and gentlemen.

Speaker 3 (03:57):
And I'm sure you remember me telling how first off
we weren't going to have an East rike hunt.

Speaker 2 (04:02):
Marray Madeline might not have even been there, but she.

Speaker 3 (04:04):
Ended up coming because it was a family day and
it was a special family holiday, and so she made
her schedule work for her family.

Speaker 2 (04:12):
Thank god. I'm happy that we're on her priority list.

Speaker 3 (04:16):
That's very refreshing to know that she still cares about
her family.

Speaker 2 (04:19):
She hasn't forgotten about us, and of course she does,
she does. That's good to get it.

Speaker 3 (04:25):
Yes, so but MM said absolutely, I'm coming home and
we had our Easter egg hunt. This is let's see,
I'm twenty years old now, so for twenty years, it's
been a constant loss.

Speaker 2 (04:38):
Ladies and gentlemen.

Speaker 3 (04:39):
Mary Madeline has beaten me every single year with her
and I have had.

Speaker 2 (04:42):
An East drag hunt. She's defeated me every single year
except for last year it was a draw. Last year
was a draw, but she was beating me.

Speaker 3 (04:50):
This year I won for the first time, huge upset
of ten plus eggs over her.

Speaker 2 (05:00):
Unbelievable. You are on fire. Thank you.

Speaker 3 (05:03):
And Mary Madelin used to say every single year, William,
you're not detailed enough. You're not detailed. And this year
I had a plan. I was mentally ready. I was
ready to compete. And so this year, you know, I
know that I was beating her. I knew that I
was on fire. And I said, Mary Madaline, you're getting old.
I said, you're not as detailed as he used to be.
Mary madeIn what happened. He needs to be more detailed.

(05:26):
And the final countdown happened. She had about twenty something eggs.
I had about thirty something eggs, and poor Charlie, my friend,
had only ten eggs. But he was at a disadvantage
because he had never been to our house before, so
we are familiar with all the spots and stuff. He isn't,
So you know, obviously he was set up a little

(05:47):
bit for failure.

Speaker 2 (05:48):
So I don't blame him. I can't believe it tried.
He had a good attitude. Yeah, absolutely, good sport. He
was very pot Yeah, he was a very good sport.
It was great. We had a great dinner.

Speaker 3 (05:58):
I cooked two rotisserie chickens, one kosher from my friend Charlie,
one for me and all in the rest of the family.
And honestly, the Coacher chicken was better. So he kind
of dug into the Coacher chicken more. The only difference
is I didn't use butter in it. I used olive
oil in the Coacher chicken because you can't mix meat
and dairy together. That goes against the you know, their
religious law. So it actually worked out in favor because

(06:20):
it turned out to be really good chicken.

Speaker 2 (06:22):
I think in the future, I'm going to make it
that way. It was.

Speaker 3 (06:24):
We had John made a delicious dessert. It was like
angel cake, whipped cream, chopped up fruit, chopped up strawberries.

Speaker 2 (06:34):
And he took a little bit of berry.

Speaker 3 (06:36):
Blueberries to woo that's right, and he took like kolua
it was Bailey's and cream and he just put a
little bit just you know, to wet it up a
little bit.

Speaker 2 (06:45):
And it was just the best dessert you could have ever.
It was so good. And whipped cream on top.

Speaker 3 (06:49):
Oh yeah, and some cinnamon on the whip. Creat John
is just a master of simple, like simple desserts like that.
He just he blows you away. That's what probably makes
it taste better because you just need the presentation is
always perfect with John.

Speaker 2 (07:03):
Yes, yes, Andy cooked the asparagus. Asparagus was really good.
His method is cooking asparagus is awesome.

Speaker 3 (07:10):
Like he he puts butter in the pan, he puts
the asparagus in there. I think he puts a little
bit of water or something, but then he glazes it
with balsamic jennergarette or balsamic puts. He puts like a
demiglaze of some kind on it and it just always
comes out amazing every single time. Recently at school, we
had Red Day on a Wednesday.

Speaker 2 (07:30):
Do tell us what Red Day is? I already know,
but our listeners may not.

Speaker 3 (07:34):
Red Day is a devoted day on Wednesday, specifically Wednesday,
because kids at Bryant don't have usually usually don't have
class on Wednesday.

Speaker 2 (07:43):
You will have presentations of.

Speaker 3 (07:45):
All kind going on all day from ten to four
and kids are presenting various topics for their classes or
from their projects, and some classes will actually require you
to go and note presentations down, So that's what I
was doing. I went over to the Belk, which is
across the streets the Business Entrepreneurship Leadership Center. Used to

(08:07):
be Fidelity's building. By the way, Fidelity sold it to
Briant University for one dollar, so it was a donation
and they have just turned that building into a heck
of a school building, just a beautiful.

Speaker 2 (08:23):
Side of campus. It really truly is.

Speaker 3 (08:26):
I really love the I love a lot of the
buildings here at Brian I will say that.

Speaker 2 (08:30):
And you can kind of tell that it was a
Fidelity building. You can. You can look around and.

Speaker 3 (08:34):
You can see how it was in office, but they
really did a good job of changing it into classrooms
and into you know, to breakout rooms and stuff like that.
And they also have a cafeteria over there, so we
got some food, We saw some presentations. We saw It
was medical econ related were the things we had to
go to. So people were presenting about pharmaceuticals, about you know,

(08:57):
mental illness, and how being a high skilled doctor versus
a low skill meaning a high skill doctor is someone
who specialized in one certain things and a low skill
doesn't mean that they're bad or that they're less intelligent.

Speaker 2 (09:08):
It just means that they're not specialized.

Speaker 3 (09:10):
So we were I was actually thinking a low skill
meaning like oh, a bad doctor, but no, it just
means like your primary care where they're great at their job,
but they're just general as opposed to like a mental
health specialist their high skill because they focus in that
certain area that they're studying, so you know, econ terminology
as well. We ask some great questions. The people up

(09:32):
there did a great job presenting. There's some older students
in more advanced economics classes, so I really enjoyed my
time over there. It was a good day. That was
pretty much Red Day. And they do it every year,
so they have all these sorts of things going on
at Bryan every couple of weeks and it's a big deal.
And I like that they do that because you know,
gets us out and you know, it gets us into

(09:54):
kind of like exposure into unique things.

Speaker 2 (09:56):
So I don't mind it at all. That's good. That's good,
And honestly.

Speaker 3 (10:01):
Life has been going great. Things have been simple. I
have great friends that I'm blessed.

Speaker 2 (10:05):
To be around.

Speaker 3 (10:06):
I really have been enjoying it here and I can't
even think of something to complain about. I'm really just happy,
you know, and I feel like I'm heading in the
right direction. Mary Madeline has been doing so well. She's
been up to her personal projects lately, which I can't
really talk about, just how I have secret projects. She
does too. It just runs in the family, I suppose.

(10:29):
I'm very proud of her and everything she's been doing.

Speaker 2 (10:31):
That makes this mam up around. That's awesome to hear.

Speaker 5 (10:34):
I'm very happy you're the best. William do keep us
on your dial. We've got a lot of great content
coming your way. Mike Do said and Greg Workman will
help you understand today's market volatility and how to stay
focused on a long term retirement strategy. Mary Madeline Kelly
and Greg Murray will break down what enough really means

(10:55):
in retirement and how defining it can bring clarity, comfit,
and peace of mind. When William and I return, we
will walk through how to reset, simplify, and bring more
clarity to your retirement plan so everything is working together effectively.
And of course we'll close the hour with some with

(11:16):
and wisdom from the late Bill Kelly. His words continue
to inspire and guide us. That's a wrap for forever.
Young Thank you for listening, and William, thank you for
joining me. We'll be back with more great content. I
love you, honey too.

Speaker 2 (11:40):
I want to let.

Speaker 5 (11:41):
Everyone know about something we're doing that I think will
be really valuable. On Thursday, April sixteenth, at four pm,
we're hosting a live webinar Navigating the cross Winds, and
it's focused on what's happening in the markets and what
it could mean for your retire goronment, because, let's face it,

(12:02):
between interest rates, inflation, and global uncertainty, a lot of
people are feeling a little uneasy about their portfolios right now.
During this webinar, we walk through what happened in the
first quarter, what's driving the volatility we're seeing, and how
we are thinking about the rest of twenty twenty six.

(12:23):
And I think what people are really looking for right
now clarity, perspective, and a better understanding of what's going on.
If you'd like to join us, just go to Kellyfinancial
dot org, click on the events tab and you can
register there. We'd love to have you with us.

Speaker 6 (12:43):
Welcome back to Safe Money Strategies. I'm Mike du said,
chief operating Officer, and alongside me, as always is Greg Workman,
investment advisor here at Kelly Financial.

Speaker 2 (12:53):
Each week on the show, we talk.

Speaker 6 (12:54):
About the real financial questions people face as they get
closer to retirement, things like investment risk, income planning, taxes,
and making sure the money you've worked so hard to
save can support the lifestyle you want. And today we're
talking about something that's been on a lot of investors'
minds recently.

Speaker 2 (13:12):
That's market volatility.

Speaker 6 (13:14):
It seems like every time you turn on the news lately,
there's another headline about the markets.

Speaker 2 (13:19):
One day things are up, the next day.

Speaker 6 (13:20):
They're down, and that kind of movement can make people uneasy.

Speaker 2 (13:24):
Greg.

Speaker 6 (13:24):
When someone is thirty or forty years old and contributing
to their retirement accounts every month, market volatility is one thing,
but when someone is approaching retirement or already retired, those
same market swings can feel very different.

Speaker 7 (13:38):
They absolutely can. When you're younger and still accumulating savings.
Market downturns are frustrating, but they're often temporary setbacks because
you still have time on your side, you're still contributing
to your accounts, you still have decades ahead of you,
and historically markets have recovered over time. But when someone
is sixty sixty five or already in retirement.

Speaker 2 (14:02):
That conversation changes.

Speaker 7 (14:04):
Now the focus shifts from accumulating wealth to protecting it
and generating reliable income throughout retirement. And that's where volatility
can start to feel more personal exactly.

Speaker 6 (14:18):
And that's something we see when we meet with people
who are getting close to retirement. For decades, the goal
has been to grow their portfolio. Then retirement approaches, and
suddenly the question becomes how do I make this money last?
And when markets move around, the question can start to
feel more urgent. Let's walk through an example of what
this can look like.

Speaker 2 (14:38):
Now.

Speaker 6 (14:38):
Just to be clear, this is a hypothetical example for
illustrative purposes only, but it represents a situation that we
see fairly often when meeting with families who are approaching retirement.
We'll call them Tom and Linda. Tom recently retired at
age sixty six, Linda is sixty four. Over their working careers,
they've saved diligently and accumulated about one point seven million

(15:00):
million across retirement accounts and investments. They feel pretty good
about where they are financially. They have a paid off home,
two Social Security checks starting soon. Reasonable spending habits in
a well diversified investment portfolio.

Speaker 2 (15:14):
Everything looks solid, but.

Speaker 6 (15:16):
Then the market has a rough few months and their
portfolio drops by about one hundred and fifty thousand.

Speaker 2 (15:21):
Now, suddenly the conversation changes.

Speaker 6 (15:23):
Instead of talking about travel plans or enjoying retirement, they
start asking questions like should we move everything to cash?
Should we stop withdrawals from our investments? Should we delay
some of the things we were planning to do in retirement?

Speaker 2 (15:37):
Greg? What's happening here?

Speaker 7 (15:39):
What's happening is a very natural emotional response to volatility.
Even experienced investors can become uncomfortable when they see their
account balance to clod. The problem is that reacting emotionally
to short term market movements can sometimes create bigger problems
than the volatility itself. Is someone moved to cash after

(16:01):
a decline, meaning they hit the red button and panic
and cash out of the market when it's moving against them,
they may lock in losses and miss the recovery that
often follows. That's why we try to build retirement plans
that anticipate volatility rather than react to it.

Speaker 6 (16:19):
And this is an important reminder market volatility isn't unusual.
In fact, historically it's been a normal pot of long
term investing. Markets don't move in straight lines. Even during
strong long term market cycles, there are periods where stocks
pull back or move sideways for a while.

Speaker 7 (16:39):
That's right, A ten percent or even fifteen percent decline
can happen periodically, but over long periods of time, disciplined
investors who stay focused on their plan tend to recover
from those declines. The challenge is that when you're living
through volatility in real time, it can feel much more
dramatic than it actually is. That's especially true for retirees

(17:02):
who are drawing income from their investments, and that brings
us to a really important question. Retirees should be asking,
how does market volatility affect my retirement income? Because retirement
isn't just about having a certain portfolio value, it's about
generating reliable, steady income. If someone is relying entirely on

(17:25):
selling investments to fund their lifestyle, market volatility can feel
much more threatening. But if income is structured properly using
multiple sources, the impact of volatility can often be reduced.

Speaker 2 (17:39):
And that's something we talk about often on this show.

Speaker 6 (17:41):
Retirement income usually comes from several different places. For many retirees,
that includes social security, possibly a pension, and then withdrawals
from investments. The more predictable income you have built into
your plan, the less pressure there is on your investment portfolio.

Speaker 2 (17:58):
Exactly.

Speaker 7 (17:58):
If essential living expenses are covered by stable income sources,
retirees may be less likely to panic when markets move around.
Without that structure, every market headline can feel like it
threatens your financial security.

Speaker 2 (18:13):
And that's really the key point.

Speaker 6 (18:15):
Market volatility is inevitable, but the way it impacts your
retirement often comes down to planning. If you've built a
strategy that accounts for market cycles and focuses on sustainable income,
volatility becomes something you manage, not something you fair.

Speaker 2 (18:31):
We're going to take a quick break.

Speaker 6 (18:32):
When we come back, we'll talk more about what's been
driving the markets this year and why we're hosting a
special webinar with investment professionals from Fidelity Investments on April
sixteenth to help investors better understand what may lie ahead.

Speaker 2 (18:46):
Stay with us.

Speaker 4 (18:51):
Kelly Financial Services eight hundred eighteen eighty one.

Speaker 2 (18:56):
It's not really what you've done that's important, but it's
the challenge.

Speaker 8 (19:00):
Sir Edmund Hillary said those words after reaching the summit
of Mount Everest, but in climbing, the decent is just
as perilous as the acent, and the same is true
in retirement planning. Learn why call Kelly Financial Services today
for a retirement consultation. Call eight eight eight eight hundred
eighteen eighty one or visit Kellyfinancial dot org. What goes

(19:22):
up Must come down. We're Kelly Financial. Come retire with us.

Speaker 5 (19:26):
I'm Kelly Kelly from Kelly Financial. Is your financial advisor
a fiduciary? In other words, are they legally required to
act in your best interest? My complimentary book, Retire Your Fear,
Plan Your Future explains what a fiduciary is and will
help you understand if an advisor is really putting you first.
For the book, call eight eight eight eight hundred eighteen

(19:49):
eighty one or email Kelly at Kelly Financial dot org.

Speaker 2 (19:53):
We're Kelly Financial. Come retire with us.

Speaker 4 (19:57):
The Money Wrap with Kelly Financial Advice. Greg Murray and
Mary Madeline Kelly.

Speaker 9 (20:04):
Good morning. This is Greg Murray, Senior Vice president and
Chief Compliance Officer Kelly Financial Services. Joining me today is
Mary Madeline Kelly, one of our wealth advisors. How are
you doing today?

Speaker 10 (20:13):
I am doing great greg. My birthday just keeps going.
I went up to Loon Mountain with some friends to
celebrate a little bit more. The conditions weren't exactly ideal,
but honestly, I just felt lucky to be skiing.

Speaker 9 (20:25):
I love that. That's a great weekend. And it's funny.
Moments like that, spending time with people who care about
doing things you enjoy, really highlight what money is ultimately
meant to.

Speaker 10 (20:34):
Support exactly, and that actually ties perfectly into today's topic,
because when you step back and think about it, those
moments are really what people are working toward financially.

Speaker 9 (20:43):
Today, we're talking about what enough actually looks like when
it comes to your finances.

Speaker 10 (20:47):
And it sounds like a simple question, but for a
lot of people, it's surprisingly hard to answer. Most people
spend years focused on saving, investing, and growing their wealth,
but they never really stopped to define what they're working
towards exactly.

Speaker 9 (21:00):
It's easy to fall into the mindset of more is better,
more savings, more investments, more income, but without a clear
definition of enough, that goalposts can.

Speaker 10 (21:08):
Keep moving, and that can lead to a lot of
unnecessary stress. We see people who have done an incredible
job saving, but they still feel uncertain because they don't
know if what they have is sufficient.

Speaker 9 (21:18):
So let's start there. What does enough actually mean?

Speaker 10 (21:21):
At its core, enough is about alignment. It's not a
specific number that applies to everyone. It's the point where
your financial resources support the life you want to live
comfortably and sustainably.

Speaker 9 (21:32):
So it's less about comparing yourself to others and more
about understanding your own needs and goals exactly.

Speaker 10 (21:37):
For one person, enough might mean being able to travel regularly,
help family members, and maintain a certain lifestyle. For someone else,
it might be a simpler life with fewer expenses and
less complexity.

Speaker 9 (21:49):
And one of the key pieces of defining enough is
understanding your spending what it actually costs to support your lifestyle.

Speaker 10 (21:56):
Yes, and without that clarity, it's very hard to know
what you're aiming for. Once you understand your spending, you
can start to translate your savings into something more meaningful,
like monthly income.

Speaker 9 (22:06):
That's especially important in retirement. People often focus on their
account balance, but what really matters is how that balance
supports their day to day life exactly.

Speaker 10 (22:14):
A large number on paper doesn't necessarily create confidence if
you don't know how it translates into sustainable income, and
of course we.

Speaker 9 (22:21):
Have factors in things like longevity, inflation, and healthcare costs,
all of which can affect how long your money needs
to last.

Speaker 10 (22:28):
Yes, and those are real considerations. Investing involves risk, including
the potential loss of principle, and no plan can eliminate
uncertainty completely, but a thoughtful plan can help manage those
risks and help give you a clearer picture.

Speaker 9 (22:41):
Another interesting aspect of this topic is the emotional side.
For many people, savings becomes a habit, even an identity,
and that can make.

Speaker 10 (22:48):
It difficult to transition into spending even when it's appropriate.
We often see people who are financially secure but still
hesitate to enjoy what they've built.

Speaker 9 (22:57):
Because they're used to focusing on accumulation and not distribution right, and.

Speaker 10 (23:01):
That's where defining enough can be incredibly freeing. It gives
people permission to enjoy their money in a thoughtful way.

Speaker 9 (23:08):
It shifts the mindset from do I have more too?
Does this support the life I want?

Speaker 10 (23:13):
And it can also help simplify decisions. When you know
what enough looks like, you're less likely to chase a
necessary risk or compare yourself to others.

Speaker 9 (23:21):
So how do people start to define enough for themselves.

Speaker 10 (23:24):
It really starts with a few key questions. What does
your ideal lifestyle look like, what are your core priorities,
what expenses are essential versus optional? And how do you
want your money to support your life?

Speaker 9 (23:35):
And from there you can begin to build a plan
that connects your assets to these goals.

Speaker 10 (23:39):
Exactly, it turns abstract numbers into something tangible and meaningful.

Speaker 9 (23:43):
So to summarize for our listeners, enough isn't a universal number.
It's a personal definition based on your lifestyle goals and
comfort level.

Speaker 10 (23:50):
And once you define it, it becomes much easier to
make confident decisions about saving, investing, and spending.

Speaker 9 (23:56):
And as always, every financial situation is unique and investing
involved risk, so it's important to evaluate these decisions in
the context of your own plan.

Speaker 10 (24:04):
But the takeaway is this defining enough can bring clarity,
reduce stress, and help you focus on what truly matters.

Speaker 9 (24:11):
Well said, that's going to wrap things up for today.
If you're wondering what enough looks like for you, give
us a call. We'd be happy to help you define
it and build a plan around it.

Speaker 10 (24:19):
Absolutely Well, Greg, enjoy the rest of your weekend and
I will catch up with you next week.

Speaker 4 (24:24):
To get in touch with Greg Murray or Mary, Madeline
Kelly or any member of the Kelly Financial Team, call
eight eight eight hundred eighteen eighty one. Safe Money Strategies
with William Kelly and Kelly Kelly. Call the team on
eight eight eight hundred eighteen eighty one.

Speaker 5 (24:47):
Care Welcome back to Sake Money Strategies. I'm Kelly Kelly
here with my son, William Kelly Junior, and today we're
tal talking about something that many people don't realize they
need until they start to feel it, and that is
a reset.

Speaker 2 (25:08):
We're in spring right now.

Speaker 5 (25:10):
People are cleaning out closets, organizing their homes, getting rid
of what they no longer need. But what about your
financial life, because what we often see is that many
people are not necessarily stressed because they don't have enough.
They're stressed because everything feels cluttered.

Speaker 3 (25:32):
That's exactly right. It's rarely one major issue. It's usually
a collection of smaller things that have built up over time.
Different accounts, different statements income coming from different places, and
no clear structure tying it all together. And when that happens,
even if someone has done a good job saving.

Speaker 2 (25:48):
It doesn't feel that.

Speaker 5 (25:48):
Way exactly, and that's an important distinction. Retirement is not
just about numbers. It's about clarity, because when things feel disorganized,
it creates hesitation. People begin second guessing their decisions. They
ask themselves, should I spend this, should I take this trip?

(26:11):
Should I help my children or grandchildren? And instead of
enjoying retirement, they hold back, and.

Speaker 3 (26:18):
In many cases, they disengage completely. We've seen people reach
a point where they say, I don't even want to
look at it anymore. It feels overwhelming. That's not a
reflection of their ability. It's a reflection of how complex
things have become over time.

Speaker 5 (26:30):
That's why this idea of spring cleaning for your retirement
is so powerful. It's not about starting over, it's about
stepping back, taking a fresh look at everything and asking
does this still make sense for my life today? Because
life changes, but often financial plans do not keep up.

Speaker 2 (26:52):
That's one of the biggest disconnects.

Speaker 3 (26:54):
We see many retirement plans for Billy years ago, sometimes
decades ago, with a focus on getting to retirement, But
once you arrive, everything shifts. Your lifestyle, your priorities, your responsibilities,
and even how you want to spend your time. If
the plan hasn't evolved with you, it may no longer
affect your reality.

Speaker 5 (27:12):
And when that happens, there's a gap. Your plan should
support your life, not the other way around. And one
of the most common places that gap shows up is
in income.

Speaker 3 (27:24):
That's where uncertainty could really begin to affect day to
day decisions. If someone does not have a clear understanding
of whether income is coming from each month, everything starts
to feel uncertain, even routine spending decisions.

Speaker 5 (27:37):
One of the most common things people say is I
think I'm okay, but I'm not completely sure, and that
uncertainty changes behavior. People delay travel, they hesitate to enjoy experiences.
They think twice about helping family, not because they lack
the resources, but because they lack.

Speaker 2 (28:00):
And clarity is what creates confidence.

Speaker 3 (28:03):
When you can clearly see how your income is structured,
what's going in, how it works.

Speaker 2 (28:07):
And how it's designed to support you. Over time, it
changes everything.

Speaker 3 (28:11):
Decisions become more intentional, there's less second.

Speaker 5 (28:13):
Guessing, and then we look at organization. Over time, people
accumulate accounts old for one k's iras accounts at different institutions.
It happens gradually, but it creates complexity, and that complexity
makes it harder to see the full picture exactly.

Speaker 3 (28:34):
It's not just about how much you have, it's about
how clearly you can understand it. When accounts are spread out,
it complicates tracking withdrawals, tax planning, and overall decision making,
and again that often leads to avoidance.

Speaker 5 (28:47):
And then there are the details that often get overlooked entirely. Beneficiaries, wills,
healthcare directives. These are not everyday concerns, so they tend
to be pushed to side, but they are some of
the most important elements of a financial plan.

Speaker 3 (29:06):
Those are pieces that truly impact your family, and if
something happens, those details determine how smoothly things are handled.
If they're outdated or incomplete, it can create unnecessary challenges
during an already difficult time.

Speaker 5 (29:17):
That's why we always say retirement is not just about
building wealth. It's about organizing your life in a way
that reflects your values and your priorities, making sure everything
is clear, intentional, and aligned. Because when that happens, retirement
feels very different.

Speaker 3 (29:39):
It becomes simpler, more structured, and ultimately more enjoyable.

Speaker 5 (29:43):
And that's really what This conversation is about creating clarity
so you can move forward with confidence. When we come back,
we're going to walk you through a simple checklist practical
steps you can take to reset simple.

Speaker 2 (29:59):
Wa FI and bring everything back into alignment.

Speaker 4 (30:06):
Safe money strategies brought to you by Kelly Financial Services.
Call eight eight eight eight hundred eighteen eighty one or
visit Kelly Financial dot or.

Speaker 8 (30:16):
There's nothing like running the Boston Marathon on re mark.
Even before crossing the start line, you must spend months
planning in advance, training your body, becoming familiar with the terrain,
preparing for all weather conditions, adjusting fuel and hydration, and
testing your gear. Many runners visualize their race, setting that

(30:38):
personal record and seeing themselves finishing strong. When it comes
to your retirement, what do you see? A fulfilling retirement
requires the same kind of planning, preparing, adjusting, testing, and
goal setting as for a marathon. Let the retirement coaches
at Kelly Financial Services help you cross the finish line

(31:00):
in the greatest race of your life. So call eight
eight eight eight hundred eighteen eighty one or visit Kellyfinancial
dot org. When your mark get set, go to Kelly
Financial Services come retire with.

Speaker 4 (31:13):
Us Safe Money Strategies with William Kelly and Kelly Kelly
call the team on eight eight hundred, eighteen eighty one.

Speaker 2 (31:25):
Thanking Care.

Speaker 5 (31:31):
Welcome back to Save Money Strategies. I'm Kelly Kelly here
with my son William. In our first segment, we talked
about why so many retirees feel overwhelmed, not because they
haven't done enough, but because things have simply become too complex,
too scattered, and unclear over time. Now let's shift to

(31:55):
the solution. How do you reset?

Speaker 2 (31:58):
Where do you begin?

Speaker 5 (32:00):
Because the good news is this does.

Speaker 2 (32:02):
Not have to be complicated.

Speaker 3 (32:04):
That's exactly right, And the best place to start is
not with numbers, it's with your big picture. What do
you want your retirement to look like today?

Speaker 5 (32:12):
That's such an important question because retirement is not static.

Speaker 2 (32:17):
It evolves.

Speaker 5 (32:18):
What you wanted five or ten years ago may not
be what you want today. Your priority shift, your lifestyle changes,
how you want to spend your time can look very different,
and if you don't take a moment to define that,
everything else can feel disconnected.

Speaker 3 (32:39):
The big picture becomes your anchor every financial decision, Your income,
your investments, your spending should support how you actually want
to live. Without that clarity, it's easy to drift or
feel uncertain about decisions.

Speaker 5 (32:51):
So once you've reconnected with your goals, the next step
is understanding your income, and this is where we encourage
people to slow down and really map things out. What
is coming in each month, where is it coming from,
and how reliable is it.

Speaker 2 (33:11):
That's where structure begins.

Speaker 3 (33:12):
You may have social security retirement accounts, possibly a pension
or other sources, but the key is.

Speaker 2 (33:18):
To organize it in a way that makes sense.

Speaker 3 (33:21):
How often is each source paying, how consistent is it,
how do they work together?

Speaker 5 (33:26):
Because when income is clear, spending becomes more comfortable. You
move from guessing to knowing, and that shift alone can
make a meaningful difference in how you experience retirement day
to day.

Speaker 3 (33:41):
It creates predictability, and when things feel predictable, people feel
more confident in making decisions, whether that's travel, helping family,
or simply enjoying everyday life.

Speaker 5 (33:51):
Now, once income is clear, the next step is simplifying
what you own, and this is an area where many
people can make progress relatively quickly. Over time, accounts accumulate
four one k's iras accounts at different institutions, and while

(34:12):
each one may have served a purpose, together they can
create unnecessary complexity.

Speaker 3 (34:20):
And complexity often leads to an action. If something feels
difficult to manage, people just tend to put it off.
But when you simplify, when you organize, and when appropriate consolidate,
it becomes much easier to understand your full financial picture.

Speaker 5 (34:34):
And that clarity leads to better decisions. You can see
what you have, how it's working, and how it supports
your goals, rather than reacting or second guessing.

Speaker 2 (34:46):
The next step is reviewing the important documents.

Speaker 3 (34:49):
This is one of the most overlooked areas, but it
could also be one of the most impactful.

Speaker 5 (34:53):
It really is beneficiaries, wills, trusts, healthcare directive. These are
the pieces that protect your wishes and your family, but
they're often not reviewed regularly.

Speaker 3 (35:08):
And life changes, families grow, relationships evolve, priority shift. Hey,
those documents don't reflect your current situation. They may not
work the way you intend.

Speaker 5 (35:18):
Even a simple review can make a meaningful difference. It's
not about over complicating things. It's about making sure everything
is aligned and up to date, because ultimately, this is
about peace of mind.

Speaker 2 (35:35):
And once those pieces are in place.

Speaker 3 (35:37):
The final step is looking ahead, not just out today,
but at what's coming in the future.

Speaker 5 (35:42):
That includes thinking about healthcare, inflation, and the unknowns that
can come over time. A strong retirement plan is not rigid.
It should have flexibility built in exactly.

Speaker 3 (35:57):
You want a plan that can adapt with you, something
that allows for changes in spending, changes and needs and
unexpected situations. That flexibility helps support long term confidence.

Speaker 5 (36:09):
And when you bring all of this together, your goals,
your income, your organization, your documents, and your forward planning,
everything starts to feel more manageable, more structured, and much
more clear.

Speaker 3 (36:25):
And it's really the objective not to create something complicated,
but to simplify what already exists, to take what you've
built and make sure it's working for you in the
best possible way. And for those of you listening who
want help putting this into action, we've put together a
simple guide called You've reached the Retirement Summit Now. What
it walks through how to think about your income, how

(36:47):
long your money needs to last, how all the pieces
of your plan can work together in a clear and
practical way.

Speaker 2 (36:53):
And if you'd like.

Speaker 5 (36:54):
A copy of our guide, or if you're starting to
feel like it may be time for our recess. We'd
be happy to help you take that next step. You
can give us a call at eight eight eight eight
hundred eighteen eighty one or email us at Kelly at
Kellyfinancial dot org. That's eight eight eight eight hundred eighteen

(37:16):
eighty one or Kelly at Kellyfinancial dot org.

Speaker 3 (37:21):
It really starts with the conversation, just getting everything organized
and helping you see where you stamped.

Speaker 5 (37:26):
And when you have that kind of clarity, everything begins
to feel more manageable and a lot more enjoyable. Thank
you for spending part of your weekend with us. We'll
see you next week right here on Safe Money Strategies.

Speaker 4 (37:46):
Safe Money Strategies brought to you by Kelly Financial Services.
Call eight eight eight eight hundred eighteen eighty one or
visit Kellyfinancial dot org.

Speaker 2 (37:57):
Welcome back to Safe Money Strategies.

Speaker 6 (37:59):
I'm Mike, you said here with Greg Workman today we're
talking about market volatility and what it means for investors
who are approaching retirement or already retired. Before the break,
we walked through a hypothetical example of Tom and Linda,
a couple who had saved diligently for retirement and then
experienced a market pullback that made them question whether they

(38:19):
should change their strategy again. That example is purely hypothetical,
but it represents the situation that we see fairly often
when meeting with families who are approaching retirement. Greg When
people start seeing volatility in the markets, the first question
they usually ask is what's causing it? And lately it
feels like there are a lot of moving pieces in

(38:39):
the economy.

Speaker 2 (38:40):
They really are.

Speaker 7 (38:41):
Over the past year, investors have been watching several major
factors that can influence market performance. Interest rates have been
a big one. When interest rates rise, it can put
pressure on certain areas of the market and change how
investors allocate capital. Inflation is another factor that has been
closely whted. Even though inflation has come down from the

(39:02):
highs we saw a couple of years ago, it's still
something that the Federal Reserve and investors are paying very
close attention to. And then you get into global economic events,
corporate earnings reports, and shifting expectations about economic growth, and
it's not surprising that markets move around.

Speaker 6 (39:20):
And when all of those things are happening at once,
it can create a lot of uncertainty for investors. That's
actually one of the reasons we're hosting a special webinar
coming up this week. On Wednesday, April sixteenth, at four pm,
We're hosting an online webinar where investment professionals from Fidelity
Investments will be joining us. They'll be taking a closer
look at what has already been a very eventful first

(39:41):
quarter in the markets and sharing their perspective on what
investors should be watching as we move through the rest
of the year.

Speaker 2 (39:48):
Greg I think this is going to be a really.

Speaker 6 (39:50):
Valuable conversation for people who want to better understand the
bigger pitcher.

Speaker 2 (39:54):
I agree.

Speaker 7 (39:55):
One of the biggest challenges investors face today is simply
the amount of information coming at them every day from
all angles. You turn on the news, check your phone,
scroll online, and you're immediately hit with headlines about interest rates, inflation,
geopolitical issues, and market predictions. The challenge is that those
headlines often focus on short term noise rather than long

(40:18):
term strategy. That's why hearing directly from experience investment professionals
can be helpful. It provides context and helps investors separate
short term headlines from longer term trends.

Speaker 6 (40:30):
During the webinar, we're going to cover several important topics. First,
we'll take a look at what drove market performance during
the first quarter of the year. Second, we'll talk about
some of the economic indicators investors should be paying attention to,
things like interest rates, inflation trends in corporate earnings. In third,
we'll discuss the outlook moving forward and what investors might
want to consider as they position their portfolios for the

(40:53):
remainder of the year. Again, the webinar is Wednesday, April
sixteenth at four pm, and people can register by visiting
our website at Kelly Financial dot org and clicking on
the events section. Greg Something we've always believed strongly is
that education helps investors make better decisions when markets get volatile.
The biggest mistake often happens when people react emotionally rather

(41:15):
than strategically.

Speaker 7 (41:16):
That's absolutely right. History shows us that many investors tend
to buy when markets feel comfortable and sell when markets
make them feel uncomfortable. Unfortunately, that often means buying after
markets have already gone up and selling after they've already
gone down. A disciplined investment strategy helps avoid those kinds

(41:37):
of emotional decisions, and that's where having a structured retirement
plan becomes so important.

Speaker 6 (41:43):
Let's go back to our hypothetical couple Tom and Linda.
When their portfolio declined during a market pullback. Their initial
reaction was concern, which is understandable, but when we reviewed
their plan together, they realize something important. Their social security
benefits were going to cover a large portion of their
essential expenses. Their portfolio was diversified across different types of investments,

(42:06):
and their withdrawal strategy was designed to account for market cycles.
In other words, the short term volatility they were experiencing
didn't actually threaten their long term retirement plan. Once they
understood that, their perspective.

Speaker 2 (42:18):
Changed, and that's something we see often.

Speaker 7 (42:21):
Volatility can be alarming in the moment, but when investors
step back and look at their overall plan, they realize
that the short term market movement doesn't necessarily change their
long term strategy. That's one of the reasons we emphasize
having a written retirement income plan. Markets always move, the
economy will always evolve, but a well designed plan provides

(42:45):
a framework that is aimed at helping investors stay disciplined
through those changes.

Speaker 6 (42:51):
One of the most important things retirees can remember is
that volatility is a normal part of investing. Trying to
eliminate volatility completely often means sacrificing growth potential. Instead, the
goal is to build a portfolio and an income strategy.

Speaker 2 (43:05):
That can withstand those ups and downs.

Speaker 6 (43:07):
That includes diversification, thoughtful asset allocation, and creating a withdrawal
strategy focused on long term sustainability. Before we wrap up
today's show, we want to remind listeners again about the
upcoming webinar On Wednesday, April sixteenth, at four pm, investment
professionals from Fidelity Investments will be joining us for a
special online discussion about the markets, the economy.

Speaker 2 (43:29):
And the outlook for the rest of the year.

Speaker 6 (43:31):
If you'd like to attend, you can register by visiting
Kellyfinancial dot org and clicking on the events section of
the website.

Speaker 2 (43:38):
It's a great.

Speaker 6 (43:39):
Opportunity to hear insights from experienced professionals and gain a
better understanding of what's happening in today's market environment. Greg,
Before we finish up today, what would you say is
the biggest takeaway for listeners?

Speaker 7 (43:50):
Volatility is part of investing. The key isn't to avoid it. Completely,
that's not realistic. The key is to have a strategy
that allows you to stay disciplined when mark it's inevitably
move up and down. If your retirement plan is built
around sustainable income diversification and a long term perspective, volatility

(44:10):
becomes something you manage rather than something you fear.

Speaker 2 (44:14):
That's great advice.

Speaker 6 (44:15):
And again, if you'd like to join us for the
upcoming webinar with Fidelity Investments on April sixteenth at four pm,
just visit Kellyfinancial dot org and click on the events
page to register. Thanks for joining us today for safe
money strategies.

Speaker 2 (44:30):
We'll see you next week. I'm Kelly Kelly.

Speaker 5 (44:36):
Now that spring is in the air, many families are
thinking about fresh starts, not just financially, but how we
prepare the next generation for life. At Kelly Financial, our
work has always been about helping families make thoughtful long
term decisions, including how the next generation gets started. And
while all investing involves risk, including the potential loss of principle,

(44:58):
we believe education and good habits are the foundation for
smart choices over time. That's why we're offering only the
good invest Young. A book written by my son William
Kelly Junior is a clear, encouraging guide to the basics
of money, responsibility.

Speaker 2 (45:13):
And habits that matter over time.

Speaker 5 (45:15):
If you have a child, a grandchild, for someone just beginning,
this is a thoughtful place to start. We're offering a
complimentary signed copy to our WRKO listeners and clients.

Speaker 2 (45:26):
Call eight eight.

Speaker 5 (45:26):
Eight eight hundred and eighteen eighty one or email Kellie
at Kellyfinancial dot org.

Speaker 11 (45:33):
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.

Speaker 12 (45:47):
Name, Kelly Kelly Kelly, How are you good morning, Jeff,
I am good. You know spring is all about fresh starts,
and retirement should feel the same way. But here's what
we often see. People aren't necessarily stressed because they don't

(46:07):
have enough. They're stressed because everything feels unclear. Too many accounts,
too many moving pieces, and not enough confidence about how
it all fits together. That's why we created a guide
called You've reached the Retirement Summit Now what It helps
you step back and answer key questions how long does

(46:29):
your money need to last, how does income work in retirement?
And how do you move forward with more clarity and confidence.
At Kelly Financial, our advisors help simplify things, organize what
you have, and help you understand how it all works together,
because retirement should feel like a new beginning. If you'd

(46:51):
like a copy of the guide, give us a call
or email us at Kelly at Kellyfinancial dot org.

Speaker 5 (46:58):
Jeff, have a wonderful a weekend. My best of Grace,
send the kiddos.

Speaker 11 (47:02):
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.

Speaker 2 (47:12):
Call now eight eight eight eight hundred.

Speaker 11 (47:14):
Eighteen eighty one eight eighty eight eight hundred eighteen eighty one,
or you can actually email Kelly herself personally Kelly Kellyfinancial
dot org. That's Kelly Kelly Financial dot org.

Speaker 4 (47:35):
Safe Money Strategies at eight eight hundred one eight eight one.

Speaker 5 (47:42):
You know, so much of who we become starts long
before we ever realize it. The values, the work ethic,
the memories. We carry them with us for a lifetime. Today,
I want to share something really special with you.

Speaker 2 (47:59):
This is a conversation between.

Speaker 5 (48:01):
Bill and his brother Walter, reflecting on their childhood, growing
up on the farm and lessons that shape their lives.
It's real, it's heartfelt, and I think you'll see a
little bit of your own story in it.

Speaker 1 (48:18):
Ladies.

Speaker 13 (48:18):
Jonas my brother wal Kelly in Connecticut who started me
in this business.

Speaker 1 (48:22):
It's been a wonderful run too. To watch what happened
to you. I knew that when I wanted you to
come along and see if this would be a good
fit for you, that you were certainly the brightest kid
in the family. We all knew that it was a
great place to grow up on that farm, and it
sent us all away into the public sphere with different
ideas and different concepts about life. As we get older,

(48:43):
it seems like we find out that everything we learned
there was really.

Speaker 2 (48:47):
Positive, especially how to forage for food.

Speaker 1 (48:51):
I would not leave that dinner table until everybody else
left first, and I knew that there would always be
Brussels sprouts and lima beans left because nobody liked them.
I would just get the butter, put it in there,
and I would go to town. That would be after
everybody was out doing something else. But what a wonderful
life for the man firefly Tadpoles, the Brooks laying in
the fields looking up at the clouds. What a life.

Speaker 2 (49:13):
We never realized it at the time.

Speaker 1 (49:15):
I mean, no, I know you didn't, really didn't. I
didn't start to appreciate it until I got to be
about fifty five years old, and then it all sunk in.

Speaker 2 (49:22):
And when did we get the first new car?

Speaker 13 (49:24):
I think was the Pontiac Tempest right, Oh, we got that,
and then we got promoted.

Speaker 1 (49:28):
We got that Dodge blue station wagon. It was like
a psychedelic color.

Speaker 13 (49:33):
Yeah. Can you imagine, ladies and John? We had ten
people at a dinner table. Why did we adopt two kids?
Do you know, Walter?

Speaker 1 (49:40):
Seven children sitting there, Grandpa, mom and dad.

Speaker 13 (49:43):
I can remember the day John and Richie came to
the house. They were our adopted brothers. I'm thinking, that's
the worst day of my life.

Speaker 1 (49:50):
Yeah, where are they going to sleep? Are they going
to eat our food?

Speaker 2 (49:52):
Yeah?

Speaker 13 (49:53):
They going to get my shoes Because I was the
last guy to get the bust of browns now, I
got two people ahead of me. So ten people at
a dinner table and we all get spaghetti, right, and
then we had this one ounce package of craft cheese.

Speaker 2 (50:06):
Remember that the little bottle Yeah, the little skinniest thing
of cheese saltta.

Speaker 13 (50:11):
Then if you put too much on, you got to
look from either grip or mother.

Speaker 1 (50:15):
You know, nowadays I have wanted to court Hi.

Speaker 2 (50:19):
When we go to Walts house.

Speaker 13 (50:20):
Right in the middle of that table, there's a two
pounds thing of craft cheese. It goes right in the middle.
When I see the two pound can of cheese. I
know the reason we had the same dinners for our
whole life.

Speaker 1 (50:32):
You know, Monday was leftovers from Sunday dinner.

Speaker 2 (50:35):
Right.

Speaker 1 (50:36):
Dad always had a recipe for a dessert that his
mother used to make, so he would brag about that,
and then we'd all put us together with a tapyocre
and then we all would go and lay down in
the living room. It was an amazing thing. And we
were so poor. Yeah, I wore the scene chant for
a year. I'd got hand me down. Not even my brother.

(50:56):
Sometimes I'd get him from my cousin.

Speaker 13 (50:58):
Well, that would be the worst day of the And
when the aunts would come over with the old clothes.
We were hoping to go down to wil Worth or
Grants or something, and there they came with the pants.
Oh man, all those clothes that you hated to see
your cousins wearing they were going to be your very
own clothes.

Speaker 1 (51:13):
As bad as it was, my parents still arranged to
send us to barochial school.

Speaker 2 (51:19):
Definitely, we had speaking lessons.

Speaker 1 (51:21):
We had to do our aeious and we keep doing
them over and over again. The lady missus Ma taught
us poetry, yeah, and how to say things distinctly because
we had a Rhode Island accents and that wasn't considered
to be very good.

Speaker 2 (51:35):
No, everybody had a job.

Speaker 13 (51:38):
People are unemployment today because they don't want to take
that job.

Speaker 2 (51:41):
They're waiting for the job.

Speaker 13 (51:43):
You know, if you came home for dinner and you
quit the Delhi, there was no sympathy and nobody was saying, oh,
you know, let's talk about it. It was like, okay, we're
going out tomorrow. We're going to hand out application.

Speaker 1 (51:53):
It was a Newport premiria. If you've got a job
at Newport Premier, you were really something in those days.
Believe me well, I did get job there, but only
after I worked at sALS Delicatessen down in the main
street going through Newport.

Speaker 2 (52:06):
Mother would drive us around put in the applications.

Speaker 13 (52:08):
When we get home Grandpa'd say how to go, and
you said, I don't think they'd hire me.

Speaker 2 (52:11):
He'd say, wait a minute.

Speaker 13 (52:13):
And he would call up the places and tell him
how good we do, and we'd get the jobs.

Speaker 2 (52:18):
You know.

Speaker 1 (52:19):
Yeah, and that's part of it. Eleven years old. By
the way, my mom brought me a bike for Christmas.
It was a swing bike and it actually had a
horn in a light. But it was a wonderful president
until she dropped me off one day at school and
she dropped the bike off and she said, now go
to Kantori's Market after you get out of school, and
the papers will be waiting there. There's another boy that's
going to teach you this route. It wasn't bad except

(52:41):
for the fact that it was about seven miles from
my house. Yeah, right, and it was uphill to get home.
But we finally got some rhythm and we had lots
of friends on our paper outs. The people just loved us,
so would stop and had dinner twice.

Speaker 13 (52:55):
I guess the thing that shocks me is that I
can't believe that we actually lived. That life is such
a change from that fifty years ago till now. I
think some of what we say people don't even believe.

Speaker 1 (53:06):
Well, it is amazing. I mean the house that we
lived in is no larger than my kitchen in my
family room in my own home than I live in now. Yeah,
how we did it, I'll never know.

Speaker 2 (53:16):
But one bathroom.

Speaker 1 (53:17):
One bathroom, oh boy. And they used to fill a
bath step up once for seven people.

Speaker 13 (53:21):
Now the health department would come by and arrest you.
You'd be in the paper. The lady washed all their
kids in one batht You know.

Speaker 1 (53:28):
I had a down path though, because I would wash
into and use the water. But then i'd stand up
and then i'd keep cleaning the face up with new water,
which nobody sew me using. And I'd clean myself before
I got out, and then i'd get out, I'd did
my feet with the faith cloff, and so I was
pretty clean.

Speaker 2 (53:43):
We didn't have a shower. There was no shower head.

Speaker 1 (53:46):
No no shower head. We've got to step up one
time because we got this rubber hose thing with a
little shower head on the end. It was a great life.
We always had plenty of food. Mom and dad did
not get enough money to send any of us to college.
When I launched my life, if I was seventeen years
old and I found myself into the United States Air
Force and it was the best thing that I ever did.

Speaker 13 (54:06):
Yeah, it was a good life, really. I mean we
had so many dogs, cats, chickens, ducks. Do you remember
the day Uncle Tommy had to come up and shoot
the bird that was attacking the chickens.

Speaker 1 (54:15):
I also remember he almost got one intel for doing
Even in those days, if you can believe that the
environmentalists were going crazy, mister Poddleson from down the street
came up walking through and he wanted to know who
shot that bird out of the air. And unfortunately for
Uncle Tommy, he didn't kill the bird right away. What
happened is that the bird got wounded and it stayed
in the air long enough for the policeman that was

(54:39):
over birds to see it falling down, and he showed
up in the field. And no, it wasn't any fun.
I thought we were all going to get arrested. So
what I'm all Timmy.

Speaker 13 (54:48):
Did The bird could come down and actually grab a chicken,
I guess.

Speaker 1 (54:52):
You could pick it up and leave with it. But
we had a lot of enemies of chickens to it.
They were weasels all kinds of things that would come
into the barn and disrupt, and.

Speaker 13 (54:59):
We had the candle eggs. Did you do the egg
candling ever on Wednesday nights?

Speaker 1 (55:03):
Absolutely, we did the egg cand and then we'd also
wait them. We would weigh everything in order to see
whether there was large medium. And then we had some
of the eights that would have three yolks in them,
and when Brant would find those, there was a lady
that had the Melbourne Estate in Newport, Ord Islands and
we would have to deliver all those triple yokers to
her house.

Speaker 13 (55:22):
Well good, well, I just needed some verification of what
the heck was going on on that farm. So now
we've got it, ladies and gentlemen. And I'd just like
to thank my brother Walter for coming on the air
with me, and.

Speaker 1 (55:32):
Thanks for going up there and having me do this
though I really appreciate it.

Speaker 2 (55:35):
Yeah.

Speaker 13 (55:35):
Well, we love you, guys, and we'll see you, okay,
God bless bye bye.

Speaker 5 (55:41):
And sometimes is those simple beginnings that turn out to
be the greatest.

Speaker 2 (55:47):
Gifts of all.

Speaker 4 (55:53):
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