Kelly Financial: Saturday, April 18, 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.
I'm William Kelly and it's an honor to carry on
a family legacy rooted in real world values.

Speaker 3 (00:29):
And practical advice.

Speaker 2 (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 or 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.

Speaker 3 (01:32):
And Josh Smith.

Speaker 2 (01:33):
We live by two rules, 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 Kelly Financial dot org
or call us at eighty eight eight eight hundred one
eight eight one.

Speaker 3 (01:51):
This is Safe Money Strategies.

Speaker 2 (01:53):
Next up Forever Young with Kelly Kelly and myself, William
Kelly Junior.

Speaker 4 (02:02):
Safe Money Strategies with William Kelly and Kelly Kelly eight
hundred eighteen eighty one.

Speaker 5 (02:14):
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.
It's 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 for the future. Sometimes it's light,
sometimes it's thoughtful, but it's always real. Good morning William,
Good morning Mom.

Speaker 3 (02:45):
How are you?

Speaker 5 (02:45):
I'm doing great? How about yourself?

Speaker 3 (02:47):
Fine?

Speaker 2 (02:48):
Thank you for asking. And my beautiful mother it's her birthday.
I can't believe it's already passed.

Speaker 5 (02:53):
I know, happy past and thank you.

Speaker 3 (02:58):
So everybody's given her wishes. Appreciate it.

Speaker 5 (03:01):
Oh, of course, of course. I had a nice dinner
with you and Mary Madaline. And where do we eat
the Clarks?

Speaker 3 (03:07):
Yes, we did. That was exquisite. It's always great to
go back there.

Speaker 2 (03:11):
The food is always spectacular and if you live in
New England seafood it's just the best I know.

Speaker 3 (03:16):
Actually, So what's been going on with you? Well, Bryant.

Speaker 2 (03:20):
I have announced a powerlifting meat first one in school history.

Speaker 3 (03:25):
We're going to host a very very small one, you know.
I want to be respectful to the gym's space.

Speaker 5 (03:30):
They ever done this before.

Speaker 3 (03:31):
This has never happened to my knowledge.

Speaker 2 (03:33):
Wow, And powerlifting is basically a foreign concept over there,
but actually not so much. People are very interested and
unfortunately I'm having to cap it to ten lifters because
the gym only has so much space. I want to
be respectful of other people's time as well in space
and the amount of people that.

Speaker 5 (03:49):
Are allowing that makes sense.

Speaker 3 (03:51):
That's a good It's.

Speaker 2 (03:51):
Going to be all meat, as many spectators as we'd like,
and the winner gets a case of energy drinks ladies
and gentlemen with a little bell on on top if
I can get a bow.

Speaker 3 (04:02):
So I'm very excited.

Speaker 2 (04:03):
I'll be competing, but I'll be ineligible for the prize
and I won't affect the competition at all, So you know,
because I'm hosting, that'll be kind of unfair, but it
doesn't mean that strong people won't be there, but beginners
are welcome. And the winner is basically going to be
decided through pound for pound who's the strongest.

Speaker 3 (04:21):
So even if you weigh, there's gonna be no weight classes.

Speaker 2 (04:23):
It's just going to be your body weight and your
total weightlifted, okay, and that's going to be the ratio.
Whoever has the highest ratio, which is your dot score.
You use a special calculator for that. You put in
your gender, your body weight, I think your age, I
can't remember, and then the total weightlifted and your highest
score you get the case of energy tricks. I want

(04:44):
to do this just kind of mostly just as an
end of the year.

Speaker 3 (04:47):
I know so many people in the gym.

Speaker 2 (04:48):
It's like social hour every time I got bad, so
I see a lot of people that I know in
love over there. So I want to I want to
end the year really positive and something. We we're all
building each other up and just having a fun day.

Speaker 3 (04:59):
Good at night. Flow right up.

Speaker 2 (05:02):
Dad used to play some of his songs on the
show before, and he's coming to Bryant for the spring
concert that night, so we're gonna host this meet and
then we're.

Speaker 3 (05:12):
Going to party to flow right A.

Speaker 5 (05:14):
Was exciting.

Speaker 3 (05:16):
Oh super exciting. I'm stoked on less exciting news.

Speaker 2 (05:19):
Class registration has happened and I pretty much got most
of the classes I wanted.

Speaker 3 (05:26):
I'm gonna be taking some summer courses as well. Good
I'm really like him what I got so far. No
eight ams, think the Lord. No eight ams.

Speaker 2 (05:35):
I have missed eight ams from just pure inability to
get up in the morning. And when you're a young
man in college, you know it's hard to get up
in the morning. So I pretty much had to fix
it to my schedule, and honestly, I'm much happier that way.
So I'm looking forward to it, and I'm also looking
forward to taking some summer classes that will take some
load off of me in regards to credits.

Speaker 3 (05:57):
So I'm excited. And next semester, me and my friends
were all going to be living together in the same suite. Good,
So excited. I like I like my group too. They're
good people.

Speaker 2 (06:09):
You know, they could be annoying sometimes, but I wouldn't
have it any other way.

Speaker 3 (06:12):
You guys are now, they're great people. They're really great,
like a family now truly. Yeah, So I'm just very
very happy. So there's a big future at Bryant ahead
of me. My sophomore year will be here before I
know it.

Speaker 2 (06:25):
I imagine that I'll be rushing Sigma Kai in the fall semester.

Speaker 3 (06:30):
Any listeners who's part of Sigma Kay to.

Speaker 2 (06:32):
Feel free to reach out if you like and tell
me a little bit about your experience. Every person from
Sigma Kay at school that I know are just wonderful people,
so it's a great frat. I know a couple of
people from Delta chay Epsilon and they're great folks as well,
or sorry, Delta Kapap Salon, and it pretty much the
Greek life isn't huge over there, so a lot of

(06:54):
the fraternities and sororities aren't that big, but it's certainly integral,
and you know, I would say it's it's a good
kind of life where it's not crazy, and you know,
it's just really just good people and a good community.
So I'm very excited. I'm looking forward to it. It's
gonna be fun. And then there is DSP, which is
Delta Sigma Pi.

Speaker 3 (07:14):
It's a business fraternity.

Speaker 2 (07:15):
You're allowed to join a social fraternity and a business fraternity,
so you're allowed to.

Speaker 3 (07:19):
I can't join two social ones.

Speaker 2 (07:21):
But my good friend, my old neighbor who now goes
to Roger Williams, he's the president of DSP at his school,
and I think it would just be wrong of me
to not join the fraternity. But I'll have to see
how it works out, because I know that being in
two frats would be a lot and I'm also in
you know, some clubs as well, so balancing all these

(07:42):
things would be kind of tough. So I just need
to find a good balance. Maybe DSP isn't for me,
or maybe I'm able to juggle both at the same
time and I also have to think about dues as well.
I know DSP is cheaper dues. I'm sure Sigma Kai
at our school doesn't have expensive dues, but having both
those dues at the same time is it worth it?

Speaker 3 (07:59):
So I just need to figure all that out. That's
kind of the plan.

Speaker 2 (08:01):
But other than that, I really think that it's it's
going to be a great sophomore year.

Speaker 3 (08:05):
I'm really excited.

Speaker 4 (08:06):
Good.

Speaker 3 (08:06):
Hopefully we get good housing.

Speaker 2 (08:07):
We're going to try to stay in the same room
that a lot of our friends are in right now
in one of the niser houses, and it's called squatting,
So we're in the squatting lottery right now. Very interesting.
But since we have two folks who are in the
in the suite that we want to live in, it
actually gives us a very high chance staying there.

Speaker 3 (08:25):
Okay, and you've been to that suite. Actually recorded in
that suite one time when.

Speaker 2 (08:29):
We had to meet up and we're in my friend
Cotter's room, which had actually really great acoustics.

Speaker 3 (08:36):
It was very noise dampening in there.

Speaker 5 (08:37):
Yes, we actually recorded our segment there.

Speaker 3 (08:40):
I can't believe we did that, but it worked out great.
It was fine. Yeah. So that's the suite we want
to live in next year.

Speaker 2 (08:45):
It's great, it's really it's located on the first floor,
so we're moving in and moving out will be super easy.

Speaker 3 (08:50):
I think it'll be fine, So I'm looking forward to that. So.

Speaker 2 (08:54):
Yeah, that's pretty much everything that's going on at Bryant.

Speaker 5 (08:57):
Good.

Speaker 6 (08:58):
Yeah, good.

Speaker 3 (08:59):
And I heard a.

Speaker 2 (09:00):
Little Birdie told me that you're going to go see
your father. I'm not sure if you already mentioned that,
but I have.

Speaker 5 (09:05):
I don't know if I've mentioned it on air. Okay,
you're going to go see your phone, Yes, for his
eighty seventh birthday.

Speaker 3 (09:12):
Isn't that incredible?

Speaker 5 (09:13):
Yes, Yes, that's crazy. Yes, I'm looking forward nice seeing
him and spending as much time as.

Speaker 3 (09:20):
I can absolutely with him. I went to see excited
to get to get our card for him.

Speaker 5 (09:26):
Good.

Speaker 3 (09:26):
Hopefully he'll like it.

Speaker 5 (09:28):
I'm sure he will. It's cute, he'll laugh.

Speaker 3 (09:31):
He will laugh.

Speaker 5 (09:32):
It will definitely make him laugh.

Speaker 3 (09:33):
Good.

Speaker 5 (09:34):
Do keep us on your dial. We've got a lot
of great content coming your way. Mike do Set and
Greg Workman. We'll share how to turn your retirement bucket
list into a thoughtful plan so you can enjoy your
go go years with confidence and purpose. Mary, Madeline Kelly
and Greg Murray will discuss practical advice they give their

(09:56):
younger selves and how small, consistent financeial decisions today can
make a meaningful difference over time. When William and I return,
we will talk about the hidden retirement expenses that can
quietly build over time, and how to plan with clarity
and confidence. And of course we'll close the hour with

(10:17):
some wit 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 7 (10:42):
Ready to enjoy your golden years without worry. At Kelly Financial,
we know retirement planning can be overwhelming. With more than
twenty three years of experience, our friendly team of advisors
makes it easy and stress free. Trust us to help
you create a secure and enjoyable future. For a free
initial retirement consultation called eight eight eight eight hundred eighteen

(11:04):
eighty one or email Kelly at Kellyfinancial dot org. We're
Kelly Financial. Come retire with us.

Speaker 8 (11:11):
Okay, my friends, here's a question worth asking why does
so much retirement advice still assume everyone's life followed the
exact same script, because the reality is it didn't. For
many women, retirement often looks very different. Women tend to
live longer, many step away from the workforce at different
times to raise children or care for family members, and

(11:33):
later in life, many women find themselves managing finances on
their own. Those realities can create different planning considerations when
it comes to retirement. This is why the team at
Kelly Financial created a guide. It is called Women Retire
to Absolutely Free. The guide walks through some of the
realities women facing retirement and highlights planning ideas to help

(11:57):
women feel more confident and prepared. So to get your
free copy, call eight eighty eight hundred eighteen eighty one
eight eight eight eight hundred eighteen eighty one or email
Kelly at Kelly Financial dot org. Kelly at Kelly Financial
dot org.

Speaker 3 (12:16):
Welcome back to Save Money Strategies.

Speaker 9 (12:17):
I'm Mike, you said, Chief operating Officer, and alongside me,
as always is Greg Workman, investment advisor here at Kelly Financial.
Each week on the show, we talk about the financial
side of retirement, things like income planning, taxes, social security,
and investment strategy. But today we're going to take a
slightly different approach. Instead of focusing only on numbers, we're

(12:39):
going to talk about something that's a little more fun,
what people actually want to do in retirement, because after
decades of working, saving, and planning, retirement isn't just about
spreadsheets and account balances. It's really about freedom, the freedom
to spend your time doing the things that matter most
to you.

Speaker 3 (12:57):
Greg.

Speaker 9 (12:58):
When people walk into our office for the first time
and we start talking about retirement, we obviously discuss finances,
but eventually the conversation shifts to something a little more personal.
What do you want retirement to look like? And I
always find those answers fascinating.

Speaker 10 (13:13):
They really are, And honestly, most people don't start by
talking about money when we ask that question. They talk
about experiences. They talk about the things that they've been
putting off for years because they were busy working and
raising families.

Speaker 6 (13:27):
Travel is a big one.

Speaker 10 (13:29):
Spending more time with family that's another, and a lot
of people mention hobbies that they want to get back into,
things like golf, boating, gardening, or even learning something new.
What's interesting is that retirement often gives people time to
rediscover interests that they haven't had time for in decades, and.

Speaker 9 (13:48):
That really connects to something we talked about on the
show last month. We discussed the three phases of retirement,
the go go years, the slowgo years, and eventually the
no go years.

Speaker 3 (14:00):
That framework rarely.

Speaker 9 (14:01):
Resonated with a lot of listeners because it reflects how
retirement often.

Speaker 3 (14:05):
Unfolds in real life.

Speaker 9 (14:07):
The go go years are typically the early part of retirement.
People are healthy, active, and excited about finally having the
freedom to travel or pursue hobbies. The slogo years come later,
when life becomes a little more relaxed and people spend
more time closer their home, And eventually there are the
no go years, when health or mobility may limit activities.

(14:29):
Greg When you think about those phases, it really highlights
something important. Many of the things people dream about doing
in retirement happened during those early go go years.

Speaker 10 (14:39):
That's exactly right. The early years of retirement are often
the most active. People finally have time to travel, They
take trips that they've always talked about, They visit family
and friends, and they try new experiences and for many retirees.
Those years are incredibly f but it's interesting when we

(15:02):
ask people what they want to do in retirement, they
often have a whole mental list of things that they've
been putting off. You might call it a retirement bucket list.

Speaker 3 (15:12):
That's a great way to describe it.

Speaker 9 (15:14):
A lot of people have a retirement bucket list, whether
they've written it down or not. Maybe it's a trip
to Europe, maybe it's visiting the national parks. Maybe it's
spending winter somewhere warm, or maybe it's something much simpler,
like having the time to attend grandchildren's events or volunteer
in the community. Those are the kinds of things people
often imagine when they think about retirement.

Speaker 10 (15:36):
And what's interesting is that research backs this up. Surveys
of retirees consistently show that the things people enjoy most
often in retirement tend to center around experiences rather than
material possessions. Spending time with family and friends is usually
near the top of the list. Travel is also very popular,

(15:59):
especially during those early go go years that we've talked
about on previous broadcasts.

Speaker 6 (16:05):
And then there are hobbies.

Speaker 10 (16:06):
Things people finally have time to enjoy again.

Speaker 6 (16:10):
For some people, it's golf. For others, it might be.

Speaker 10 (16:13):
Fishing, photography, woodworking, or even taking classes and learning new skills.
Retirement can open the door to a lot of possibilities.

Speaker 9 (16:24):
And when we meet with people who are approaching retirement,
we often encourage them to start thinking about those possibilities,
because retirement planning isn't just about figuring out how much
money you need. It's also about figuring out what kind
of life you want to live. Let's walk through a
quick example now. Just to be clear, this is a
hypothetical example for illustrative purposes only, but it reflects the

(16:47):
situation we see fairly often when meeting with families who
are approaching retirement. Let's say we meet with a couple.
We'll call them David and Susan. David is sixty four
and planning to retire next year. Susan is sixty two
and thinking about retiring shortly after that. They've done a
good job saving over the years and feel pretty confident

(17:08):
about their financial situation. But when we ask them what
they want retirement to look like, the conversation gets interesting.
They start talking about travel. They've always wanted to visit Italy,
They'd like to spend a few weeks exploring national parks
out west, and they are hoping to take a few
extended trips now that they'll have more flexibility with their schedules.

(17:29):
Susan also mentions that she wants to spend more time
with her grandchildren, and David Laughson says he's looking forward
to finally playing golf during the week instead of trying
to squeeze in quick rounds on Saturday morning. Greg, this
is a pretty common type of conversation for us, it
really is.

Speaker 10 (17:45):
And what I like about those conversations is that they
remind us why retirement planning matters in the first place.
People aren't saving money just for the sake of saving money.
They're saving money so that they can enjoy experiences, spend
time with loved ones, and have the freedom to design
their days any way they want. But here's where planning

(18:06):
becomes important. Once people start talking about travel plans and
hobbies and time with family, the next question becomes, how
do we make sure the financial plan supports these goals.

Speaker 9 (18:20):
Exactly, because if someone wants to travel frequently in those
early go go years, that's something we need to account for.
Those years can actually be some of the most active
and sometimes the most expensive travel, entertainment hobbies, maybe helping
children or grandchildren. Those experiences all require planning. The good
news is that with the right strategy, many retirees are

(18:42):
able to enjoy those experiences while still maintaining long term
financial security.

Speaker 6 (18:46):
And that's the key.

Speaker 10 (18:48):
A well designed retirement plan doesn't just focus on protecting assets.
It also helps create the confidence that people need to.

Speaker 6 (18:58):
Enjoy their retirement years.

Speaker 10 (19:00):
Because when people know they have a plan, a plan
for income, plan for taxes, and a plan for managing
their investments, they often feel much more comfortable actually spending
money on the things that matter to.

Speaker 3 (19:14):
Them, and that confidence can make a big difference.

Speaker 9 (19:16):
Instead of worrying about every dollar, retirees can focus on
enjoying their experiences they worked so hard to make possible.

Speaker 3 (19:23):
We're going to take a quick break.

Speaker 9 (19:25):
When we come back, we'll talk more about some of
the most common retirement bucketless goals we have from clients
and why turning those dreams into a rail plan can
make retirement even more rewarding.

Speaker 3 (19:35):
Stay with us.

Speaker 4 (19:41):
Kelly Financial Services eight hundred eighteen eighty one.

Speaker 6 (19:46):
It's sorry what you've done that's important, but it's the challenge.

Speaker 3 (19:49):
It has been Sir.

Speaker 7 (19:50):
Edmund Hillary said those words after reaching the summit of
a 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

(20:12):
up Must come down. We're Kelly Financial. Come retire with us.

Speaker 5 (20:16):
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

(20:39):
eighty one or email Kelly at Kelly Financial dot org.
We're Kelly Financial. Come retire with us.

Speaker 4 (20:46):
The Money Rap with Kelly Financial Advisors. Greg Murray and
Mary Madeline Kelly.

Speaker 3 (20:53):
Good morning.

Speaker 1 (20:54):
This is Greg Murray, Senior Vice president and Chief Compliance
Officer at Kelly Financial Services. Joining me today is Mary
Medline Kelly, one of our wealth advisors, How are you
doing today.

Speaker 11 (21:02):
I'm doing great, Greg.

Speaker 12 (21:04):
I think I had my final ski day last weekend,
which we know is bad luck to say in the
ski world, so I will not say it with conviction.

Speaker 11 (21:11):
Spring skiing has treated me very.

Speaker 12 (21:13):
Well this year, and I am so grateful I could
take advantage of the lingering stone.

Speaker 1 (21:17):
No no, no, no no. You never say last day
or last run, it's bad luck, and I know I
don't need to lecture you about luck. With that being said,
I'm happy to see you still out there getting some
runs in, even if it's one trail on one mountain
three hours away.

Speaker 12 (21:31):
Okay, fine, I will say I have two minus one
ski days left this season. But it's funny this time
of the year always feels a little reflective. You start
thinking about the season, what you got to do, what
you wish you had done more of, And it actually
reminds me of today's topic because financially, a lot of
people feel the same way. When they look back, they're

(21:52):
things that they did right, things that they had wish
they had started sooner, which is exactly what we're talking
about today. The financial advice we'd give to our younger sis.

Speaker 1 (22:00):
And the interesting thing is most people don't learn these
lessons from a textbook. They learn them through experience, exactly.

Speaker 12 (22:06):
And if we can help people shortcut that learning curve
just a little bit, that can help make a big
difference over time.

Speaker 1 (22:12):
So, Mary Madam, let's start with you. What's one piece
of financial advice you'd give your younger self.

Speaker 12 (22:17):
I think the biggest one would be start earlier, even
if it feels small when you're younger. It's easy to
think I'll start saving later when I make more money,
but time is one of the most powerful tools.

Speaker 11 (22:28):
That you have.

Speaker 3 (22:29):
That's a great one.

Speaker 1 (22:30):
The earlier you start, the more time your money has
to grow, and even small contributions can add up significantly over.

Speaker 12 (22:35):
Time, exactly. And it's not about being perfect, it's about
being consistent.

Speaker 1 (22:39):
For me, one of the biggest lessons would be focused
on the big picture and not short term noise.

Speaker 3 (22:44):
It's easy to.

Speaker 1 (22:45):
Get caught up in what markets are doing day to
day or what others are saying, but long term discipline
tends to matter much more.

Speaker 12 (22:51):
That's such an important point. And of course investing involves risk,
including the potential loss of principle, but having a long
term perspective helps you stay grounded through those ups and downs.

Speaker 1 (23:01):
Another piece of advice i'd give is avoid lifestyle inflation
as your income grows.

Speaker 11 (23:05):
Yes, that is a big one.

Speaker 12 (23:07):
When people get raises or bonuses, it's tempting for spending
to rise right alongside it. But if you can increase
your savings at the right time, it creates a huge
advantage over time.

Speaker 1 (23:17):
Exactly small adjustments in those moments can have long term benefits.

Speaker 12 (23:21):
Another one i'd give is don't be afraid to ask
for help earlier. Financial planning can feel overwhelming, and a
lot of people wait until they feel they have enough
to get guidance.

Speaker 1 (23:30):
And in reality, that guidance can be even more valuable
earlier on, helping you avoid mistakes and make better decisions
along the way.

Speaker 11 (23:37):
Even just having a framework can help make a big difference.

Speaker 1 (23:39):
I'd also add understanding your cash flow. Not necessarily strict budgeting,
but knowing what's coming in and what's going out.

Speaker 12 (23:46):
Yes, awareness is everything. When you understand your spending, it
becomes much easier to align it with your goals.

Speaker 1 (23:52):
Another lesson is build flexibility. Life really goes exactly as
plan Having an emergency fund or accessible savings can make
a big difference.

Speaker 12 (24:00):
Absolutely that flexibility can reduce stress and prevent you from
making reactive financial decisions.

Speaker 1 (24:06):
And one more thing I'd add is don't compare your
financial journey to others.

Speaker 12 (24:09):
Yes, that is such an important one, especially today. Everyone's
situation is different, different goals, different timelines, different priorities.

Speaker 1 (24:17):
And comparison can sometimes lead to unnecessary risk or frustration.

Speaker 12 (24:21):
A good financial plan is personal. It should reflect your life,
not someone else's.

Speaker 1 (24:26):
So when we step back and look at all of this,
the advice sense of fall into a few key themes.
Start early, stay consistent, avoid unnecessary risk, understand your situation,
and think long term.

Speaker 12 (24:36):
Yes, and none of these are about being perfect. They're
about building good habits over time.

Speaker 1 (24:41):
And as always, we want to remind listeners that investing
of all's risks, including the potential loss of principle, and
every financial decision should be made in the context of
your individual goals.

Speaker 12 (24:50):
But the encouraging part is that it's never too late
to start applying these lessons. Whether you're twenty five or
sixty five, small changes can still make a meaningful.

Speaker 11 (24:59):
Today, friends.

Speaker 1 (25:00):
Exactly, the goal isn't to go back and change the past.
It's to make better decisions moving.

Speaker 11 (25:04):
Forward, and that's what financial planning is all about.

Speaker 1 (25:07):
Well said, if you like help building a plan based
on these principles, give us a call.

Speaker 3 (25:10):
We'd be happy to talk with you. Well.

Speaker 11 (25:12):
Greg, thank you for your time and I will see
you next week.

Speaker 4 (25:16):
To get in touch with Greg Murray or Mary, Madeline
Kelly or any member of the Kelly Financial team, call
at eight eight hundred eighteen eighty one. Safe Money Strategies
with William Kelly and Kelly Kelly. Call the team on
at eight eight hundred eighteen eighty one.

Speaker 5 (25:43):
Welcome back to Save Money Strategies. I'm Kelly Kelly.

Speaker 3 (25:47):
And I'm William Kelly.

Speaker 5 (25:48):
You know, William, A lot of people approach retirement with
the number in mind. Sometimes it's a million dollars, sometimes
it's more, but they think i'll reach that number. I'll
be fine, that's right.

Speaker 2 (26:03):
It sounds simple, but retirement planning is rarely that straightforward,
because the real question is not just how much you have,
it's how much money supports your life over time exactly.

Speaker 5 (26:12):
And what we often see is that many people underestimate
what retirement actually costs, not because they are careless, but
because they are only looking at part of the picture.

Speaker 2 (26:26):
They tend to focus on the obvious expenses mortgage, utilities, insurance.
But what often gets overlooked are the everyday lifestyle costs
dining out, travel, gifts, helping family hobbies.

Speaker 3 (26:37):
Those things add.

Speaker 5 (26:37):
Up, and in many cases, retirement does not mean spending less.
In the early years especially, people often spend more. They
finally have time to travel, enjoy experiences, and be present
with their families.

Speaker 2 (26:54):
So the real risk is not necessarily overspending. It is
building a plan based on incomplete assumption about what life
will actually cost.

Speaker 5 (27:02):
That is such an important point. Retirement planning is not
about guessing a number, It is about understanding real life, and.

Speaker 2 (27:11):
When those starting assumptions are off, those surprise expenses can
show up quickly.

Speaker 5 (27:15):
One of the biggest areas where people are often caught
off guard is healthcare.

Speaker 2 (27:21):
Many people assume that once they reach Medicare age, most
of their healthcare costs will be covered, but Medicare was
never designed to cover everything.

Speaker 5 (27:28):
That's right, there are still premiums, deductibles, copays, prescription costs,
and certain services that are not covered at all, like dental,
vision and hearing.

Speaker 2 (27:42):
And over time, these costs can out up, especially since
healthcare expenses tend to rise faster than general inflation.

Speaker 5 (27:48):
Some estimates suggest that a retired couple may need several
hundred thousand dollars for health care throughout retirement, and that
may not include long term care.

Speaker 2 (28:00):
So while medicare helps, it does not eliminate the cost
of health care. Without planning for it, it can put
pressure on retirement income.

Speaker 5 (28:07):
And healthcare is just one piece of the picture. Another
area people often underestimate is their home.

Speaker 2 (28:14):
A lot of people enter retirement thinking that once their
mortgage is paid off, their housing costs will drop significantly, but.

Speaker 5 (28:20):
In reality, a paid off home still comes with ongoing
expenses property taxes, maintenance, utilities, insurance. Those costs continue.

Speaker 2 (28:31):
And then there are the unexpected repairs a new roof,
a heating system, plumbing issues. Those can happen at any
time and often come with a meaningful cost.

Speaker 5 (28:40):
We also see situations where people plan to downsize thinking
it will save money, but that is not always the case.
Between moving cost fees and current housing prices, it can
be more expensive than expected, and.

Speaker 2 (28:56):
As people get older, their homes may need modifications for safety,
and accessibilit things like railings, walking, showers, or first for
living arrangements.

Speaker 5 (29:04):
So housing remains a significant and sometimes rising expense through retirement,
and for many.

Speaker 2 (29:11):
People it's not just about their own expenses. Family can
become a major factor as well.

Speaker 5 (29:15):
This is something we see quite often. Retirement does not
always reduce responsibilities. In many cases, it expands them.

Speaker 2 (29:25):
Many retirees find themselves helping adult children or grandchildren, whether
it is contributing to education, helping with housing, or stepping
in during unexpected situations.

Speaker 5 (29:35):
At the same time, they may also be supporting aging
parents or dealing with caregiving responsibilities.

Speaker 2 (29:42):
These are meaningful decisions and they come from a good place,
but they are also expenses that are rarely built into
a retirement plan.

Speaker 5 (29:48):
And when those costs are not anticipated, they can have
a real impact on long term income.

Speaker 2 (29:56):
So even when someone feels comfortable with their own lifestyle expenses,
these additionals ponsibilities can change the picture quickly.

Speaker 5 (30:02):
And beyond family, there's another factor that affects everyone in retirement,
and that is time.

Speaker 2 (30:09):
People are living longer today, which is a positive development,
but it also means that retirement can last twenty five,
thirty or even more years.

Speaker 5 (30:16):
And over that kind of time horizon, inflation becomes a
meaningful factor. It gradually reduces purchasing power and increases the
cost of everyday living.

Speaker 2 (30:29):
Even modest increases over time can have a significant impact.
What costs one amount today may cost much more years
down the road, and.

Speaker 5 (30:36):
At the same time, lifestyle spending often grows. More time
means more opportunities to travel, dine out, pursue hobbies, and
enjoy life.

Speaker 2 (30:49):
Even smaller recurring expenses can compound into something much larger
over time.

Speaker 5 (30:53):
Living longer is a gift, but it does require thoughtful planning.

Speaker 3 (30:58):
When you bring all.

Speaker 2 (30:59):
These fact together, healthcare, housing, family, longevity, and inflation, it
becomes clear that retirement planning is more complex than many
people expect.

Speaker 5 (31:08):
The biggest risk is not just market volatility, it is
running out of money because the plan did not account
for real life expenses over time.

Speaker 2 (31:19):
Many plans focus heavily on accumulation, but not enough on distribution, taxes, healthcare,
and the unexpected.

Speaker 5 (31:26):
That is why having a clear, comprehensive approach matters, one
that looks at the full picture, not just a single number.

Speaker 3 (31:34):
In my Mom's book, Retire your Fear Plan your future.

Speaker 2 (31:37):
She walks you through how to begin organizing those pieces
into a more complete strategy.

Speaker 5 (31:42):
Because the clearer your understanding of retirement cost, the more
confidently you can move forward. Understanding where those hidden expenses
can show up is an important first step.

Speaker 2 (31:55):
But when we come back, we're going to talk about
how to build a plan that prepares for them.

Speaker 5 (31:59):
Stay with us, We'll be right back.

Speaker 4 (32:05):
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 right.

Speaker 7 (32:16):
There's nothing like the crew races on the Charles River.
When the boats cross the finish line, all the components
must be functioning consistently at exceptional levels. High performance equipment,
mentally tough and physically fit rowers, the passion to win,
and perhaps most importantly, seamlessly integrated teamwork. Likewise, the retirement

(32:39):
rivers we row also require these very qualities. Who's part
of your retirement crew? For more than twenty three years,
the advisors at Kelly Financial Services have helped families in
the Greater Boston area take command of their financial futures.
So call eight eight eight eight hundred eighteen eighty one
or visit Kelly fah Financial dot org for an appointment

(33:02):
at Kelly Financial. We believe you've got to have the
right team and crew and in retirement, how will you
cross the finish line? Here Kelly Financial Services. Come retire with.

Speaker 4 (33:14):
Us Safe Money Strategies with William Kelly and Kelly Kelly.
Call the team on eight eight hundred eighteen eighty one.

Speaker 5 (33:24):
Thank you care, Welcome back to Save Money Strategies. I'm
Kelly Kelly here with my son, William Kelly Junior. In
our first segment, we talked about something that sounds simple
but is often misleading, the idea that if you hit

(33:45):
a certain number, like a million dollars, retirement should just work.
But what we found over time is that retirement is
not just about the number. It's about how that number
interacts with real life, and real life includes expenses that
are not always obvious at the beginning and not always

(34:07):
consistent from year to year.

Speaker 2 (34:09):
That's exactly right, and one of the biggest challenges is
that these expenses are not always immediate or dramatic. They
tend to show up gradually, and because of that, they're
easy to underestimate or even overlook.

Speaker 3 (34:19):
Entirely. It is not one large event that causes the issue.

Speaker 2 (34:22):
It's the accumulation of smaller, often overlooked costs that build
over time and begin to affect the overall plan and
weighs people to not anticipate.

Speaker 5 (34:30):
One of the most important categories to think about is healthcare,
and not just the basics. Many people account for medicare,
but they do not always consider everything that comes with it.
There are supplemental policies, deductibles, co pays, prescriptions, dental, vision

(34:52):
and hearing, and then as we move further into retirement,
long term care becomes a real consideration and one that
can be both emotional and financial.

Speaker 2 (35:04):
And what makes healthcare especially important is that it's not static.
These costs tend to increase as time goes on, which
means they can have a growing impact on your income
and assets. So it is not enough to plug in
a number once and move on. It requires ongoing thought,
awareness and flexibility within the plant.

Speaker 5 (35:21):
Another area that often gets overlooked is housing. Even when
the mortgage is paid off, we hear this, once my
house is paid off, my expenses will go way down.
And while that may be true in one sense, the
reality is that housing costs do not disappear, property taxes

(35:41):
can increase, insurance costs can rise, and maintenance is ongoing
and sometimes comes in waves rather than evenly exactly, And.

Speaker 3 (35:52):
Those maintenance costs are not always predictable.

Speaker 2 (35:55):
You might go a few years without anything major and
then suddenly you're replacing a roof, updating a heating system,
them or dealing with unexpected repairs. Those larger, irregular expenses
can have a meaningful impact if they're not part of
the plan ahead of time.

Speaker 5 (36:08):
Travel is another category that people look forward to, and
understandably so. Retirement is a time when many people finally
have the freedom to go where they want to go,
when they want to go. But what starts as a
modest plan can expand over time. Trips become more frequent,

(36:28):
destinations become more ambitious, and costs can rise, especially with
inflation affecting airfare, hotels and dining sometimes faster than people expect.

Speaker 2 (36:41):
And there's also a lifestyle component to that people want
to enjoy retirement that is important, but it still needs
to be balanced with sustainability, making sure that the lifestyle
you're enjoying today can continue comfortably over time without creating stress.

Speaker 3 (36:54):
Later on.

Speaker 5 (36:54):
And then there is something that does not always get
talked about enough, and that is supporting family. We see
many people who continue to help adult children, contribute to education,
or step in during unexpected situations. These decisions often come
from a place of generosity and care, and they are

(37:17):
deeply meaningful.

Speaker 2 (37:19):
And those are meaningful decisions, but from a planning standpoint,
it is important to understand how they fit into the
bigger picture, because if they're not accounted for, they can
create pressure on your own financial security over time, even
when the intention mind them is completely positive.

Speaker 5 (37:33):
So when you look at all of this together healthcare, housing, travel,
family support, you start to see the bigger picture. It
is not one expense that creates the challenge. It is
the combination of multiple factors, all evolving over time, and

(37:53):
all interacting with each other in ways that are not
always obvious upfront.

Speaker 2 (37:59):
And that is why having a clear, structured plan matters.
Not just a number, not just a projection, but a
plan that accounts for how life actually unfolds and how
these different pieces may change thout retirement.

Speaker 5 (38:11):
And that is exactly why I wrote my book Retire
Your Fear, Plan Your Future. I wanted to create something
that helps people step back and look at their situation
in a clear, organized way to understand not just where
they are today, but what they need to be thinking
about as a move forward with confidence.

Speaker 2 (38:34):
Because when you have that level of clarity, everything starts
to feel more manageable. You're not reacting to surprises, You're
preparing for possibilities, and that shift alone can make a
significant difference.

Speaker 5 (38:45):
If you'd like a copy of my book, Retire your Fear,
Plan Your Future, you can call us at eight eight
eight eight hundred and eighteen eighty one or email us
at Kelly at Kellyfinancial dot org. We're always happy to
send that out to you.

Speaker 2 (39:02):
And taking that step, just getting a clear understanding of
where you stand can make a meaningful difference and how
confident you feel about your future.

Speaker 5 (39:09):
We appreciate you joining us this week on safe Money Strategy.
There's always more to think about, and we are here
to help you work through it one step at a time.
We'll see you next time.

Speaker 4 (39:24):
Safe Money Strategies brought to you by Kelly Financial Services.
Call eight eight eight hundred eighteen eighty one or visit
Kellyfinancial dot org.

Speaker 7 (39:36):
I'm John Boudris and welcome to a new edition of
Kelly Financials. What would Bill say? The wit and wisdom
of the late Bill Kelly. Today we'll address fact from fiction.

Speaker 13 (39:47):
You can always make money if you haven't if you
lose it all, It's very difficult to do that. So
you have to have a plan if the market goes
up quite a bit or down quite a bit, you
have to be ready.

Speaker 3 (39:58):
And how do you sort fact from download?

Speaker 7 (40:01):
Kelly Financial's Consumer Guide simply called the value of an
objective opinion. With so much at stake with your retirement future,
you don't just want any financial advice, but objective financial advice.
And as a fiduciary, Kelly Financial puts your interests above
all else. Go to Kellyfinancial dot org or call eight

(40:24):
eight eight eight hundred and eighteen eighty one to get
the guide.

Speaker 13 (40:27):
Ladies and gentlemen, sort fact from fiction.

Speaker 7 (40:30):
We are Kelly Financial Services. Come retire with us.

Speaker 3 (40:35):
Welcome back to safe money Strategies.

Speaker 9 (40:37):
I'm Mike, you said here with Greg Workman today, we're
taking a slightly different approach on the show. Instead of
focusing purely on the technical side of retirement planning, we're
talking about something a little bit more personal. What people
actually want to do once they retire. Before the break,
we talked about the idea of a retirement bucket list
and how many people spend years thinking about experiences they

(40:59):
want to enjoy once they finally have the time, and
we also connected that to something we discussed on the
show recently, the three phases of retirement, the go go years,
the slogo years, and eventually the no go years. Greg
those early go go years are really when people tend
to pursue the biggest items on their retirement bucket list.

Speaker 6 (41:19):
That's exactly right.

Speaker 10 (41:21):
The go go years are typically the most active period
of retirement. People are still healthy, they have energy, and
they're excited about the freedom that retirement provides. That's when
many retirees travel the most. They visit places they've always
wanted to see, They reconnect with hobbies they didn't have

(41:41):
time for while they were working, and they spend more.

Speaker 6 (41:45):
Time with their family and their friends.

Speaker 10 (41:48):
In many ways, it's the reward for decades of hard work.

Speaker 9 (41:52):
And when we ask people about their retirement bucket lists,
a few themes come up over and over again. Travel
is probably the most common one. A lot of people
tell us they've spent years thinking about destinations they want
to visit once they retire. For some people it's international travel,
places like Italy, Ireland, or Greece. Others want to explore

(42:12):
closer to home. Visiting national parks is a big one,
road trips across the country, or spending time in different
parts of the United States they've never had a chance
to see before.

Speaker 3 (42:22):
And then there are people who want to escape the
New England winters for a few months each year.

Speaker 6 (42:27):
That's a popular one.

Speaker 10 (42:28):
We meet plenty of retirees who dream about becoming what
some people call snowbirds, spending part of their winter somewhere warm.
For some it's Florida, For others it may look like
Arizona or the Carolinas. And sometimes it doesn't even involve
owning a second home. Some people just enjoy renting a

(42:49):
new place for a few weeks or a couple of
months each winter. The key point is that retirement creates flexibility.
People have control over their schedules.

Speaker 3 (43:01):
And travel is just one part of it.

Speaker 9 (43:03):
Another thing we hear a lot is that people want
to spend more time with family, especially grandchildren. That might
mean attending school events, sporting events, or simply having the
freedom to visit family without worrying about work schedules. For
many retirees, that time with family becomes one of the
most meaningful parts of retirement, absolutely.

Speaker 6 (43:22):
And then there are hobbies.

Speaker 10 (43:23):
Some people rediscover hobbies that they enjoyed years ago, Others
try things they've never had time for before.

Speaker 6 (43:31):
Golf is obviously.

Speaker 10 (43:32):
A popular one, but we also hear about things like boating, fishing, photography, woodworking, gardening,
and even learning new skills. I've seen retirees take cooking classes,
learn musical instruments, or even in role in college courses
just because they enjoy learning.

Speaker 9 (43:50):
And hearing those kinds of stories is one of the
enjoyable parts of the work we do because when people
come in for financial planning, the conversation usually starts with numbers,
but eventually it shifts to lifestyle. What kind of retirement
do you want, What experiences are important to you, what
would make these years meaningful? And once we understand those goals,

(44:10):
we can start building a financial plan that supports them,
and that's.

Speaker 10 (44:14):
Really where planning becomes important. It's one thing to have
a retirement bucket list, it's another to make sure the
financial plan supports those goals. For example, someone wants to
travel extensively during those early go go years, we need
to account for that in their retirement income plan. Travel

(44:34):
costs money, Hobbies cost money. Even something as simple as
spending more time visiting family can increase expenses.

Speaker 6 (44:43):
But what the proper planning.

Speaker 10 (44:45):
Many retirees are able to incorporate those goals into their
financial strategy.

Speaker 9 (44:50):
And this is where that earlier hypothetical example we mentioned
David and Susan becomes useful again.

Speaker 3 (44:57):
Just to remind.

Speaker 9 (44:57):
Listeners, that was a hypothetical example for illustrative purposes only,
but it reflects the types of conversations we often have
with people approaching retirement. David and Susan wanted to travel
during their early retirement years. They had a list of
places they hoped to visit and experiences they wanted to enjoy.
So part of the planning process involved looking at their

(45:18):
expected income sources things like social Security, retirement accounts, and
other investments, and making a plan that is intended to
allow them to enjoy those experiences while still maintaining long
term financial security Exactly.

Speaker 10 (45:32):
A good retirement plan isn't just about making sure the
money lasts. It's also about giving people the confidence to
use their savings in ways that enhance their lives. Sometimes
we see retirees who are hesitant to spend money, even
though they've saved diligently and have more than enough resources
to do so. They've spent decades in the habit of

(45:53):
saving and being careful with their money. Planning helps answer
the question can we comfortably afford.

Speaker 6 (46:00):
To do these things in retirement.

Speaker 10 (46:02):
When people understand the answer to that question, they often
feel much more comfortable enjoying the experiences that they've been
looking forward.

Speaker 3 (46:10):
To for years, and that balance is important.

Speaker 9 (46:14):
Retirement planning is about enjoying the present while also preparing
for the future. Those early go go years are a
wonderful opportunity to travel, pursue hobbies, and spend time with family,
but we also want to make sure the plan accounts
for the later phases of retirement as well. Health Care costs, longevity,
and inflation are all factors that need to be considered.

Speaker 10 (46:36):
That's why retirement planning is really a long term strategy.
It's about creating a structure aimed at allowing people to
enjoy the experiences they value today while still maintaining the
financial security For decades ahead, and when that balance is achieved,
retirement can be incredibly rewarding.

Speaker 3 (46:56):
Greg.

Speaker 9 (46:56):
If there's one takeaway from today's conversation, it's that retirement
and planning isn't just about numbers.

Speaker 3 (47:02):
It's about life.

Speaker 9 (47:03):
It's about having the freedom to pursue the experiences that
matter most. Whether that's traveling the world, spending time with family,
enjoying hobbies, or simply having control over how you spend
your days.

Speaker 6 (47:15):
That's exactly right.

Speaker 10 (47:16):
The financial plan is really the foundation that supports those experiences.

Speaker 6 (47:21):
When the planning is done well, it.

Speaker 10 (47:23):
Allows people to focus less on worrying about the money
and more about enjoying retirement that they worked so hard
to achieve.

Speaker 3 (47:30):
That's great advice.

Speaker 9 (47:32):
Thanks for joining us today for safe money strategies.

Speaker 2 (47:34):
We'll see you next week. Hi everyone, this is William Kelly.
Have you ever wished you'd learned about money sooner? That's
why I wrote Only the Good invest You, a simple,
encouraging guide with real world steps anyone can follow them.

Speaker 3 (47:52):
I kept seeing the.

Speaker 2 (47:53):
Same thing people wishing someone had explained.

Speaker 3 (47:55):
The basics earlier.

Speaker 2 (47:56):
How to save, build good habits, avoid costly mistake, and
create momentum even when you're starting small. And while all
investing involves risk, including the potential loss of principle, learning
the right habits early can make a meaningful difference over time,
whether you're eighteen or eighty. This book is about confidence, clarity,
and taking.

Speaker 3 (48:17):
That first step.

Speaker 2 (48:18):
If you have a child, a grandchild, or someone just beginning,
this is a thoughtful place to start for our listeners.
We're sending out complimentary copies. Just called eight eight eight,
eight hundred and twenty one or email Kelly at Kellyfinancial
dot org and we'll.

Speaker 3 (48:33):
Send you one. You can also find it on Amazon
or Kindle.

Speaker 2 (48:36):
I'm William Kelly, and I hope this book helps someone
you love take their first step.

Speaker 8 (48:40):
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 5 (48:54):
Name, Kelly Kelly Kelly.

Speaker 6 (48:59):
How are you.

Speaker 5 (49:01):
Good morning, Jeff, I am good. Retirement isn't just about
how much you've saved. It's about how well you've prepared
for what you didn't see coming. Some of the biggest
expenses in retirement are the ones people don't plan for,
things like healthcare gaps, home repairs, helping family, or simply

(49:22):
living longer and wanting to enjoy your time. Those are
the real life moments that can quietly put pressure on
a plan, and that's where we see many plans fall short.
They're built on ideal scenarios, not real life. That's exactly
why I wrote Retire Your Fear Plan Your Future. It's

(49:43):
designed to help you think differently about retirement, how to
organize what you have today and prepare for the unexpected
so you can move forward with clarity and confidence. If
you'd like a copy, give us a call or email
us at CA Kelly at Kellyfinancial dot org. Jeff, have

(50:03):
a wonderful weekend, My best of grace, send the kiddos.

Speaker 8 (50:06):
Thank you, Kelly, all the best to you and everyone
at Kelly Financial. To get a copy of that book,
Retire your Fear.

Speaker 3 (50:14):
Plan Your Future.

Speaker 8 (50:16):
By Kelly Kelly, and I urge all of you if
you can do get it call.

Speaker 3 (50:21):
Now eight eight eight eight hundred.

Speaker 8 (50:23):
Eighteen eighty one eight eight eight eight hundred eighteen eighty one,
or you can actually email Kelly herself personally Kelly at
Kellyfinancial dot org. That's Kelly at Kelly Financial dot org.

Speaker 4 (50:44):
Safe Money strategies Akate eight hundred one eight eight one.

Speaker 5 (50:51):
Each week we like to share a moment from Bill Kelly,
something that reminds us not just how we thought about money,
but how he thought about life. And one of the
things Bill believed deeply was that no matter how busy
things get, no matter how complicated life feels, family is
what brings it all together. He had a way of

(51:14):
bringing that to life through stories, a little chaos, and
a lot of honesty. Here's Bill in his own words
on what it really means to have a family.

Speaker 13 (51:28):
Family is everything. Don't ask me why I was chosen
to be one of the main people always talking about
how great family is. I was a miserable human being. Really,
I didn't know how to have a family. How do
you have a family? First of all, you have almost
no hair and everybody steals your hairbrush. That means you're
in a family. You have no hair, and you have

(51:49):
your own creamrans that you buy at stopping shop, like
the fruit past kind.

Speaker 3 (51:54):
It's like green.

Speaker 13 (51:55):
I don't have a lot of hair, but I'm going
to feel good in the morning when I put this
cream rance on my hair. Gonna smell like a glade
in the Everglades.

Speaker 3 (52:02):
I don't know.

Speaker 13 (52:02):
You know, you're two hundred and twenty pounds. You get
into the shower, you're brushing your teeth at the same
time as you don't have time, and you reach for
the cream rance and guess what, it's not there. Do
you know what that means? If you're single and you
reach for that cream rance, it's gonna be there. If
you have a family of people, I don't know who's
got the most hair per square inch, but we could

(52:23):
win the Olympics hair thickness contest in our house. So
now you're in a shower, you're in a relaxing place,
and you're gonna have to get out in the cold air.
You're gonna have to put your head around a corner
you're dripping on it. You're gonna have to yell through
the house because everybody's doing their thing in the morning,
where's my cream rance. Then you have a little person

(52:43):
I don't know who it might be. They'll come and say, oh,
I borrowed it. So then you say, can I get
it back? I really like my cream rans? Oh sure, pop,
So you get your cream rants back. That means you're
in a family because when you're single, you don't do that.
Everything's lined up. You're shaving, brush, your after shave, your cream, rents,
your toothpaste, your floss. Well, that's not family life, unfortunately,

(53:06):
unless you live in some kind of family that I
don't know. Those are the people you love. If you
come home, you drive forty five minutes to get home,
you talk on the phone, you work the whole way home.
You want to get to the house and watch O'reiley
because you get home at seven and that's all you
want to do. He gets on at eight. You want
to get that thing set up. You walk into the

(53:28):
living room and there's people running on platforms and they're
focusing on we want on the thing and they're jogging
through the woods with little fake animals. You're in a family, Ladies, gentlemen,
I'm going to say, you know, I really want to
watch O'reiley. And they're not saying no, but they kind
of look at you and like they go, oh, we're
jogging on the week. So you're going into the bedroom
on a little twelve inch TV and you're gonna eat

(53:50):
your dinner and you're gonna watch O'Reilly in there, and
they're gonna be out there jogging. That's how you know
you're in a family. If you're single, you come home,
you have an automatic light dimmer. You put it on,
it comes up, the curtains pulled back, the big screen
TV flashes on. There's O'Reilly and you got them t
vote for a week. I go to TiVo, ladies and gentlemen.
How much is left on my tvo? Eight percent left?

(54:12):
So I'm trying to record a football game because I
want to take the family out on Sunday. There's not
enough room. So then I've got twelve Hannah Montanas. There's
a cartoon named Pepe. I got like twelve episodes of Pepe,
fifteen Scooby Doos, Kelly's got her soaps on there. That's
like twenty percent. So that's what's on the TVO. So
I'm not going to tvo a football game. So then

(54:34):
I had a big family meeting. I said, look, we're
going to divide the t VO. There's four of us here.
We each get twenty percent, and there's an additional twenty
percent of that storage room on the recording TVO that's optional.
That's all the family can share that. And then all
of a sudden we're having a big fight over the
TVO space. Why I've got to have Hannah Montana. We
record Ladies and Gentlemen Full House at every moment of time,

(54:57):
Ladies and gentlemen on earth. Remember how you can you
always watched Lucy was always on somewhere. Well, Full House
is always on somewhere, but we have to record it
at my house. That's how you can tell you have
a family. That is the joy, the joys of life,
having a family, loving the people. But I will be
at their house, ladies and gentlemen, someday I will come there.

(55:18):
I will take over there den. I don't know what
the computers are going to look like. Then I'm going
to take it over. I'm going to be there with
my suitcase one night. They're going to answer the door.
It's Pop. What's he doing? I said, I'm moving in.
What do you mean? I'm moving into your den? I
want the computer, I want the remote, and I want
the Wei whatever it's going to be called. And it's
going to be like a spacesuit you get into float

(55:38):
up in the air. Then they'll say, wow, we have
a family, don't we.

Speaker 4 (55:52):
Call Kelly Financial Services eight eight eight hundred eighteen eighty one.

Speaker 5 (55:58):
I'm Kelly Kelly from Kelly Financial. Retirement is a time
to enjoy the fruits of your labor, but is also
a period when financial stability becomes more critical than ever,
so seeking expert financial advice is essential regardless of your age.
Professional guidance insures your assets are allocated wisely, helping your

(56:19):
money last as long as you need it. The advisors
at Kelly Financial will help you take charge of your
financial future and preserve your hard earned wealth to enable
you to focus on the retirement you've dreamed of. We
have a free investor guide called designing your Fiscal House
to Weather the Elements, which highlights the steps needed to

(56:40):
build a balanced portfolio. For the guide and a free
consultation with a Kelly advisor, call eight eight eight eight
hundred eighteen eighty one or email Kelly at Kellyfinancial dot org.
We're Kelly Financial.

Speaker 4 (56:55):
Come retire with us, Save money strategies with William Kelly
and Kelly