Kelly Financial: Saturday, December 20, 2025

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Episode Transcript

Speaker 1 (00:12):
It is coming to us, So.

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 and practical advice.
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,

(00:41):
Dad launched Safe Money Strategies on WRKO as a no
nonsense callin radio show focused on common sense planning and
protecting wealth. Over the past two decades, Dad became a
pillar in New England finance, an engineer turned entrepreneur, author
and philanthropist who believed in giving back and walking the talk.
Since two and five, our show has remained a Saturday

(01:01):
morning staple, offering insight and empowerment. Here at Kelly Financial,
we help steward over seven hundred million dollars across our
affiliated business, including more than five hundred million dollars managed
by our 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,

(01:25):
advisors Charlie Gable, Mike Ducett, Greg Workman, Greg Murray, my
sister Mary Madeline, and Tom Schlager. 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

(01:46):
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 (02:12):
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 son, William Kelly Junior,
and we talk about life, what's going on in the world,
and our family and what really matters most when you're

(02:34):
planning for the future. Sometimes is light, sometimes as thoughtful,
but it's always real.

Speaker 6 (02:40):
Good morning, William.

Speaker 3 (02:42):
How are you mom? I'm fine, How are you?

Speaker 6 (02:45):
I'm doing great?

Speaker 5 (02:46):
Good to hear Santa Claus is coming to town.

Speaker 7 (02:49):
That's true.

Speaker 2 (02:49):
Of asked Santa Claus for a barbelle theragun like and
half a cow half a cow?

Speaker 7 (02:57):
Are we retracting the request for half a cow?

Speaker 3 (03:00):
Or is that?

Speaker 8 (03:01):
No?

Speaker 6 (03:01):
Half a cow?

Speaker 7 (03:02):
That's right, because I'll be going to college.

Speaker 6 (03:04):
I'm not going to eat that much beef.

Speaker 2 (03:05):
So Mary Madaline is coming over this weekend with her
very good friend from high school that we've known for eternity,
and she's a therapist.

Speaker 7 (03:17):
She's a great woman.

Speaker 6 (03:18):
Yeah, she's bringing her little dog, Ginger.

Speaker 3 (03:20):
That's right. And Mary Madalin is going to bring Marshall.
That's right. Marshall has a lover. I forgot Marshall.

Speaker 2 (03:28):
See he acts as interested, he acts like grossed out,
but you know he won't leave the vicinity.

Speaker 7 (03:34):
No, you're interested. And Mary Madaline will be drink.

Speaker 3 (03:39):
Bringing her little rast.

Speaker 6 (03:40):
She doesn't really play with Ginger.

Speaker 2 (03:42):
No, No, I think Ginger is too I think she's
too overbored about it, and so that pushes him away
a little bit.

Speaker 3 (03:50):
With Marshall. You can't push, you.

Speaker 2 (03:52):
Know what I mean, you gotta if you ever if
you want to pet him, he can't walk up to
him or till he'll hide behind a tree, you know
what I mean. True, he'll hide behind something. But if
you just like kind of lay on the floor and
pep around, he's like he'll kind of like zigzag and
then he'll walk towards it, and he's like, Okay, you can
pet me. That's fine, you have my permission. So Marshall's

(04:12):
a little tough cookie to figure out. Melly, on the
other hand, Mellie's very interesting. Melly is a submissive dog.
So a dog will you know, when she meets a
new dog, a dog will kind of like bite her,
or you know, not bite her, but snap at her
to show her his boss.

Speaker 3 (04:27):
And Mellie's just like, okay, your boss.

Speaker 7 (04:29):
She lays in her belly, sweetest dog ever.

Speaker 2 (04:32):
But Mellie's intentional about this, so she becomes friends with them.

Speaker 7 (04:36):
You know, She's like, you're the boss. Whatever, you're the boss,
you're my friend. I'm your friend.

Speaker 2 (04:40):
And then once they become good buddies, once the hierarchy's established, Melly.

Speaker 7 (04:46):
What she'll do is she likes to cause chaos.

Speaker 2 (04:49):
And so what Melle does is she likes to play fight,
and so she'll play fight, play fight, playfight. She'll get
a snap and then play fight, play fight, play fight
until it becomes routine. And then whenever Melle comes and
all the dogs are together, including Marshall, she starts play
fighting and the.

Speaker 7 (05:04):
Whole house turns of the chaos.

Speaker 3 (05:07):
So it's gonna be a fun weekend and we're going
to be eating.

Speaker 7 (05:09):
Al Fourno's.

Speaker 6 (05:11):
One of my favorite places.

Speaker 2 (05:13):
If you've not been to Italy and you want to
taste to Italy, Alflorno's is the place in Providence.

Speaker 7 (05:17):
Yeah, Providence, that's true.

Speaker 6 (05:19):
Absolutely.

Speaker 5 (05:20):
Well, we have to share some news.

Speaker 6 (05:23):
We have been.

Speaker 5 (05:24):
Talking about my father coming and we were so excited,
had everything set up, and he was unable to come.
He's okay, but he will have a pacemaker put in soon.

Speaker 7 (05:38):
It's true.

Speaker 5 (05:39):
His heart rate was so great.

Speaker 6 (05:42):
Yeah, his resting heart rate was thirty five.

Speaker 7 (05:45):
So very calm.

Speaker 5 (05:48):
But it's all good and this is happening very soon.
So if you can say a prayer for my father,
and I think I think it's going to help him
feel a lot better. I'm glad that that this was
identified before he traveled. Yeah, his doctor declined right before,

(06:09):
so so that was you know, that is life sometimes
it is it is well, that is.

Speaker 7 (06:17):
True, like you said that, at least the doctor caught that.

Speaker 6 (06:19):
I know.

Speaker 5 (06:20):
I know, so it in my mind is just delaying
his trip a little bit.

Speaker 6 (06:25):
And sometimes yes, yes.

Speaker 9 (06:29):
I was looking forward to this visit so much, and
you know, it's just but when something like this happens,
you're dealing with reality, so you know. But it was
like that night, that's when I had my meltdown and
then I got it out and then I was okay,
but I knew, I knew it well, but you know,

(06:49):
I was just couldn't wait.

Speaker 6 (06:52):
He was excited to know.

Speaker 5 (06:54):
But you know what, they'll be here when he comes, right,
and I sent some gifts through Carters.

Speaker 2 (07:00):
Might actually even be better or the spring, because that's that's.

Speaker 6 (07:03):
What he's saying.

Speaker 3 (07:04):
No way to be warmer.

Speaker 5 (07:06):
Yeah you know it won't be too warm, but it
won't be the bedroom shoes good, you'll love those, oh
big times.

Speaker 7 (07:12):
Those are very nice. Those are great shoes. Those are
great shoes.

Speaker 6 (07:16):
Absolutely.

Speaker 2 (07:17):
So besides that, we've been getting plenty of book orders lately.

Speaker 5 (07:21):
Oh my goodness, they've been flying out the door.

Speaker 7 (07:24):
I don't I don't even know, ladies and gentlemen.

Speaker 2 (07:27):
If I didn't have my mom to help me upkeep
all this, I would just be in shambles.

Speaker 7 (07:31):
Mom has helped organize everything.

Speaker 2 (07:34):
I would say, she is uh prepared the packages for
me and she just gives me the list.

Speaker 3 (07:40):
And you guys, whenever.

Speaker 5 (07:42):
Well, you've been writing them to sons and daughters and
grand children.

Speaker 2 (07:48):
And so if you have any personalization, like if you
would like it for an individual, be as specific. Oh yes,
the more specific you are about something, the better. If
you even want me to write a certain message, if
you say, write it only to my son, because what
I do is that if you if I receive like
this is from my son Jerry, for example, from Laura,

(08:09):
I'll say to Laura and to your son Jerry, God
bless Waynam Kelly. Yes, and so that's that's usually what
I write. But if you don't want me to put
your name, or if you want it a not like
you know, not personalized, or if you want some kind
of message on there.

Speaker 10 (08:22):
Yeah, just let me know.

Speaker 5 (08:24):
And when you call in or or contact us. You'll
most likely be speaking directly with Michelle or Carter or
Kayla and just let them know and we can handle
the details.

Speaker 3 (08:37):
That's true.

Speaker 6 (08:38):
Detail oriented, Yes, they are.

Speaker 3 (08:41):
They're not we.

Speaker 7 (08:42):
I'm not part of that.

Speaker 3 (08:45):
You guys are in your own way exactly.

Speaker 7 (08:47):
You guys are detail oriented in that respect. I don't
know where I'm detail oriented. Just I guess different.

Speaker 6 (08:53):
That's okay.

Speaker 3 (08:54):
God made us all different.

Speaker 7 (08:56):
That's true. We were all the same, it wouldn't really
work that well.

Speaker 6 (08:58):
No, be a boring life if everyone was the same.

Speaker 7 (09:02):
That is true.

Speaker 5 (09:04):
Well, Merry Christmas it'll be. It'll be December twenty seventh
when we come.

Speaker 7 (09:09):
Back, wow for our show.

Speaker 6 (09:11):
Yes, so I hope. I hope all of you have
a very merry Christmas.

Speaker 9 (09:16):
Agreed, Yes, And we'll be back for a year before
the end of the year.

Speaker 7 (09:20):
That's true. Wow, it's going to be twenty twenty six.

Speaker 3 (09:23):
Just like that.

Speaker 6 (09:24):
I know, blink our eyes and another year is going by.

Speaker 5 (09:29):
Do keep us on your dial. We've got a lot
of great content coming your way. Mike do Set and
Greg Workman will be breaking down what holiday spending and
seasonal market headlines really mean for retirees. And why short
term noise should never derail a long term retirement plan. Mary,
Madeline Kelly and Greg Murray will be talking about what

(09:50):
the millionaire next door really looks like in twenty twenty
five and how everyday habits, not flashy income, quietly build
long term wealth and financial confidence. William and I will
be back to discuss how to make smart Medicare coverage decisions,
plan for long term and build a healthcare bucket so

(10:12):
rising healthcare costs in twenty twenty six don't derail your
retirement income.

Speaker 6 (10:18):
And of course we'll.

Speaker 5 (10:19):
Close the hour with 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.

Speaker 6 (10:35):
I love you, honey, We'll love you too well.

Speaker 11 (10:43):
Christmas is right around the corner, and if you're looking
for the perfect gift for a young person in your life.

Speaker 3 (10:48):
I've got it.

Speaker 11 (10:49):
It's a brand new book written by William Kelly Junior
from Kelly Financial Services, and it's called Only the Good
invest Young. This book is powerful. It gives teenagers call
to students, young adults the roadmap they need to start saving,
planning and investing the right way. And I'll tell you,

(11:11):
even people my age, yes and I'm fifty six, are
reading it. William actually quotes me the Kooner Man in
the book. I'm in the book. So you can grab
your copy right now on Amazon. Just search only the
good invest Young, and if you're part of Kooner Country
you can get a copy absolutely free.

Speaker 3 (11:33):
Just tell them the Kooner Man sent you and call.

Speaker 11 (11:37):
Eight eight eight eight hundred eighteen eighty one or email
Kelly at Kellyfinancial dot org. Give a gift that truly
matters this Christmas, something that can change a young person's future.
Only the good invest Young get it today.

Speaker 3 (11:55):
Welcome back to save money Strategies.

Speaker 1 (11:56):
I'm like you, said, chief operating officer at Kelly Financial.
And as always, I'm joined by my colleague, the man
who somehow receives more Amazon deliveries this time of year
than Sanna's entire toy factory, mister Greg Workman.

Speaker 12 (12:11):
Mike, I can explain those boxes are most likely my
wife's last minute holiday purchases. I'm just the guy who
gets to carry them inside.

Speaker 1 (12:20):
This is the week where everyone's in full on holiday mode.
We've got Christmas right around the corner. The malls are packed,
Online spending is hitting new records, and a lot of
people are wondering what does all of this mean for
the economy and for the markets heading into twenty twenty six.

Speaker 12 (12:35):
And on top of that, this is the week where
people start asking about the quote unquote the Santa Claus
stock market rally. You'll hear analysts on TV throwing that
phrase around like holiday CONFETI exactly.

Speaker 1 (12:47):
So that's our focus today, how holiday spending and seasonal
market behavior really tie into retirement planning, and we're going
to do it in a way that cuts through myths,
gives you some perspective, and maybe helps you avoid the
financial equivalent of eating too many Christmas cookies. Let's start
with consumer spending. The holiday season is the super Bowl
for retailers, but it's also one of the most important

(13:10):
economic signals we look at each year.

Speaker 12 (13:12):
Right roughly twenty five to thirty percent of annual retail
revenue happens between Thanksgiving and Christmas, and because consumers make
up about seventy percent of the US economy, these few
weeks can tell us a lot.

Speaker 1 (13:25):
The big mistake retirees make is assuming the economy fails bad,
therefore spending must be bad.

Speaker 3 (13:33):
But that's not usually the case.

Speaker 8 (13:35):
No.

Speaker 12 (13:35):
In fact, even in years when people are stressed about prices,
interest rates, or world events, holiday spending always tends to
hold up. People shop for their grandkids no matter what's
happening in Washington or on CNBC.

Speaker 1 (13:49):
And that matters because strong spending often means companies start
the next year on better footing. Week spending can signal caution,
but is just one data point.

Speaker 12 (14:00):
Is people try to extrapolate short term headlines into long
term portfolio decisions, and that usually ends badly.

Speaker 3 (14:08):
Let's bring in a client story.

Speaker 1 (14:09):
Earlier this month, we met with a couple we'll call
them Tom and Linda, both in their mid sixties, newly retired,
very responsible savers.

Speaker 13 (14:17):
Great couple, but they came in feeling anxious.

Speaker 12 (14:20):
Their exact words were, the news says the consumer is
tapped out? Does that mean we should get out of
the stock market entirely?

Speaker 1 (14:27):
And this is very common People hear one negative headline
and think it's a forecast for all of next year.

Speaker 12 (14:33):
So we walked them through the real numbers. We showed
them how consumers often say they feel negative, but their
spending behavior doesn't actually change that much. We also reminded
them that their retirement plan is not dependent upon whether
Target sells an extra five hundred PlayStations this week.

Speaker 1 (14:51):
And the big takeaway for them and for our listeners
was this short term seasonal spending tells us something about
the economy, but it should never drive your long term
investment decisions.

Speaker 13 (15:01):
Their entire mood changed.

Speaker 12 (15:03):
They walked out of that meeting with a fresh perspective
and a plan instead of fear and anxiety.

Speaker 1 (15:09):
All right, Greg, let's talk about the famous seasonal pattern,
the Santa claus rally, one of.

Speaker 12 (15:14):
My favorite topics. So here's the real definition. It's not
the whole month of December. It's actually a seven trading
day window, the last five trading days of the year
and the first two of January.

Speaker 1 (15:28):
And historically those days tend to be positive more often
than negative. As a reminder, historical performance does not guarantee
future results.

Speaker 12 (15:37):
Correct, But the reason why is important. Markets are quieter,
big institutions have closed their books on the year. Retail
investors tend to be optimistic.

Speaker 13 (15:47):
During the holidays.

Speaker 12 (15:48):
There's lower trading volume, and some of it is simply
statistical noise.

Speaker 1 (15:54):
In other words, it's a pattern, but it's not a
strategy exactly.

Speaker 12 (15:57):
You don't build a retirement plan based on a seven
day market quirk.

Speaker 1 (16:02):
The Santa Claus Rally is fun to talk about, it's festive,
but retirees who try to play it usually end up
chasing returns, increasing risk, or creating taxable events at the
worst possible time.

Speaker 12 (16:13):
Your long term plan diversification, risk management, income strategy. That's
what matters, not whether December twenty eighth happens to be
a good trading day or not.

Speaker 1 (16:24):
Now, Greg, let's pivot to something extremely important, the calendar.

Speaker 12 (16:28):
Yes, listeners need to hear this loud and clear. As
of today's broadcast, you have only a handful of days
left before December thirty first.

Speaker 1 (16:37):
In many year, and financial moves must be done before
midnight on the thirty first. Rmds, roth conversions, tax loss harvesting,
charitable giving and qualified charitable distributions.

Speaker 12 (16:49):
And even though you legally have to wait until the
thirty first, financial institutions get overwhelmed this week, so if
you wait until the thirtieth, you may already be too late.

Speaker 1 (16:59):
Don't want people waking up in January realizing they missed
something important or worse, facing penalties.

Speaker 12 (17:05):
So if you have any questions about year end planning,
please call us, even if it's just hey, guys, can
you double check that I'm not forgetting something one.

Speaker 1 (17:13):
Quick point before the break? The holidays are emotional. People
spend more, they worry more, and sometimes make reactive decisions.

Speaker 12 (17:20):
And emotions are the enemy of good investing. Fear excitement,
holiday optimism, holiday stress, all of these can push people
into decisions that don't align with their long term goals.

Speaker 1 (17:31):
So our message today is simple, enjoy the season, understand
the data, but stay committed to your plan.

Speaker 12 (17:37):
And if you don't have a plan, now is the
perfect time to build one.

Speaker 3 (17:41):
Stick around.

Speaker 1 (17:41):
When we come back, we're going to take a deep
dive into what this year's holiday spending trends might mean
for the economy and the markets in twenty twenty six, and.

Speaker 12 (17:50):
We'll talk about what retirees should and should take away
from all of this.

Speaker 3 (17:54):
You are listening to Safe money strategies will be right back.

Speaker 4 (18:00):
Kelly Financial Services eight hundred eighteen eighty one.

Speaker 2 (18:07):
Hi, everyone, this is William Kelly. If you've ever wished
you'd learn about money sooner. That's why I wrote Only
the Good invest Young, a simple, encouraging guide with real
world steps anyone can follow.

Speaker 3 (18:19):
I kept seeing the.

Speaker 2 (18:20):
Same thing people wishing someone had explained the basics earlier.
How to save, build good habits, avoid costly mistakes, and
create momentum even.

Speaker 3 (18:30):
When you're starting small, whether you're eighteen or eighty.

Speaker 2 (18:33):
This book is about confidence, clarity, and taking action. And
with the holidays coming up, Only the Good invest Young
makes a great Christmas gift for a child, a grandchild,
or anyone who needs that nudge.

Speaker 3 (18:45):
To start strong.

Speaker 2 (18:46):
For our listeners, we're sending out complimentary copies. Just call
eight eight eight eight hundred twenty one or email Kelly
at Kellyfinancial dot org and we'll send you one at
no charge. You can also purchase a softcover on Amazon
or an e book on Kendall. I'm William Kelly, and
I hope this book helps someone you love to take
their first step.

Speaker 5 (19:06):
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

(19:27):
hundred and eighteen eighty one or email Kelly at Kelly
Financial dot org. We're Kelly Financial. Come retire with us.

Speaker 4 (19:36):
The Money Wrap with Kelly Financial Advisors Greg Murray and
Mary Madeline Kelly.

Speaker 14 (19:43):
Hello, This is Greg Murray, Senior vice president and chief
Compliance Officer at Kelly Financial Services. Joined me today is
Mary Madeline Kelly, one of our wealth advisors. How are
you doing today?

Speaker 4 (19:52):
Hi?

Speaker 15 (19:52):
Greg, I'm doing great. We're officially in the home stretch of.

Speaker 16 (19:55):
The year, and I think a lot of people are
starting to reflect on what they've accomplished by financially in
twenty twenty five and maybe thinking about what they want
twenty twenty six to look like.

Speaker 15 (20:05):
It's that perfect reset.

Speaker 14 (20:06):
Moment, absolutely, and that really ties into today's topic one.
I think a lot of listeners will love the Millionaire
next Door in twenty twenty five?

Speaker 10 (20:13):
What does it really take?

Speaker 16 (20:14):
Yes, that book made such an impact when it came out,
the idea that millionaires aren't flashy, they aren't driving supercars.

Speaker 15 (20:20):
They aren't living on yachts.

Speaker 16 (20:22):
They're everyday people quietly building wealth through habits and discipline,
and honestly, greg that hasn't changed, but the path to
get there looks a little different in twenty twenty five.

Speaker 14 (20:32):
It does. The core principles are the same. Live below
your means, save consistently, invest wisely, but today's world comes
with rising costs, student loans, higher housing prices, and a
lot of financial noise. People want to know what does
becoming a modern day millionaire actually look like exactly?

Speaker 16 (20:48):
And the first thing I always tell people is it's
less about income and more about behavior. You don't have
to make a fortune to grow a fortune. It's about
the gap between what you earn and what you keep.

Speaker 7 (20:59):
That's right.

Speaker 14 (21:00):
We see this with our clients all the time. Some
people earn incredibly high incomes but say very little. Meanwhile,
we have retirees who never made six figures but invested
consistently and now have million dollar portfolios.

Speaker 16 (21:10):
And a big part of being a millionaire next door
today is simply starting early or starting now. Even if
you didn't save much in your twenties or thirties, the
next best time is today. A four oh one k
match regular contributions.

Speaker 15 (21:24):
Rough i rays. Those are the tools that quietly build
wealth in the background.

Speaker 14 (21:28):
Let's stock numbers for a moment. For many people, becoming
a millionaire doesn't require extreme investing. Even something like saving
a few hundred dollars a month consistently over several decades
and investing it in a diversified portfolio can potentially grow
to a significant amount over time. Of course, that depends
on market performance, and even a diversified portfolio can experience

(21:48):
losses in the down market. But the key point is
that steady saving in staying invested gives your money the
opportunity to grow.

Speaker 16 (21:55):
And if you start earlier, the numbers get even easier.
But even people in their forty or fifties can still
get there with catchup contributions, higher savings rates, and intentional planning.

Speaker 14 (22:05):
Another big shift today is where millionaires are building wealth.
Years ago was mostly through pensions, real estate equity, and
traditional savings. Now it's a combination of employer retirement plans,
brokerage accounts, real estate appreciation, and in some cases, small
business ownership, and.

Speaker 15 (22:20):
Something people don't always talk about.

Speaker 16 (22:22):
Today's millionaires tend to be more intentional what they're spending.
They still enjoy life, but they choose value over flash.
They're not trying to impress anyone. They're trying to build
financial freedom.

Speaker 14 (22:32):
That's a great point because the real benefit of becoming
a millionaire today isn't luxury. It's options, options to retire
when you want, options to help your kids or grandkids,
options to reduce stress and enjoy life.

Speaker 16 (22:44):
Yes, wealth in twenty twenty five looks a little more
like security and flexibility rather than status, and most people
can achieve that by doing a handful of simple things
really well.

Speaker 15 (22:55):
One spend less than you make.

Speaker 16 (22:57):
Two automate savings, three invest consistently, four avoid high interest debt,
five protect your assets with insurance, and six have a plan.

Speaker 14 (23:10):
And I'll add one more, stay invested. The people who
become millionaires aren't timing the market. They're time in the market.
They ride the ups and downs with discipline exactly.

Speaker 16 (23:19):
And in our work with clients, the people who make
the biggest progress are often not the ones with the
highest incomes, but the one with the best habits.

Speaker 14 (23:27):
So when people hear millionaire next door, they shouldn't picture
someone extraordinary. They should picture someone consistent someone intentional, someone
with a plan.

Speaker 16 (23:35):
Yes, and that's really the message we want our listeners
to hear. Becoming a millionaire today isn't about luck or
having the perfect stock pick. It's about steady decisions made
over long periods of time, and anyone can start that
journey in twenty twenty five.

Speaker 3 (23:49):
That's exactly right.

Speaker 14 (23:50):
And if you're listening and wondering how close you are
to the milestone or how to start building towards it,
that's where we can help.

Speaker 16 (23:56):
Absolutely, we can help you build a plan, look at
your savings and map out what it would.

Speaker 15 (24:01):
Take for you. It's never too late to start, and.

Speaker 16 (24:04):
The best time to begin is before twenty twenty six.

Speaker 14 (24:07):
Rules in Well said, that wraps up the segment of
The Kelly Financial Show. If you'd like help mapping out
your long term financial goals, we'd love to talk with you.
Just keep in mind that all invest and carries some
level of risk and it's important to choose strategies that
fit your situation.

Speaker 15 (24:20):
Great point.

Speaker 16 (24:21):
Well, thank you for taking the time with me today, Greg,
and I hope you enjoy the rest.

Speaker 15 (24:26):
Of your weekend. It'd stay warm you too.

Speaker 4 (24:28):
To get in touch with Greg Murray or Mary, Madeline Kelly,
or any member of the Kelly Financial Team call aight
a eight eight hundred eighteen eighty one Save Money Strategies
with William Kelly and Kelly Kelly Call the team on
eight eight eight hundred, eighteen eighty one.

Speaker 5 (24:50):
Gay, good care, good morning, and welcome back to Save
Money Strategies. I'm Kelly Kelly and I'm here with my son,
William Junior. As we head toward the end of the
year and start looking ahead to twenty twenty six, one
topic continues to come up in retirement planning conversations, and

(25:14):
that's health care cost not just monthly premiums, but the
total cost of care over time, how quickly those costs
are changing, and how that impacts retirement confidence.

Speaker 7 (25:27):
That's right, mom.

Speaker 2 (25:28):
Healthcare has become one of the most important pieces of
retirement planning because it affects income, lifestyle, and peace of
mind all at the same time.

Speaker 5 (25:37):
And the reality is health care costs are rising faster
than most other expenses retirees face. That makes understanding the
trends now before they show up unexpectedly more important than ever.
One of the biggest challenges heading into twenty twenty six

(25:58):
is health care inflation. Medical care costs continue to rise
faster than overall inflation, and that directly impacts purchasing power
in retirement, even when inflation cools in other areas things
like gas goods or travel, healthcare has historically followed its

(26:20):
own path upward, and retirees feel that difference quickly. Because
healthcare is not optional and these.

Speaker 2 (26:29):
Aren't one time expenses, medical costs tend to be ongoing,
and for many people, they increase gradually over time. That's
why healthcare planning needs to be approached differently than other
retirement expenses.

Speaker 13 (26:41):
To put this.

Speaker 5 (26:42):
Into perspective, Fidelity estimates that a sixty five year old
couple retiring today may need around three hundred and fifteen
thousand dollars over their lifetime just for health care expenses.
That number has increased over the years and is expected
to continue rising as we move further into twenty twenty six.

(27:07):
That estimate doesn't mean everyone will spend that amount exactly,
but it does give retirees a realistic framework for planning now.

Speaker 2 (27:16):
When people hear a number like that, the first reaction
is often worry, but that's not the goal here exactly.

Speaker 5 (27:22):
The goal isn't fear is clarity. When people understand what's
driving healthcare cost higher, they're in a much better position
to make thoughtful decisions. The good news is retirees today
have more options, more transparency, and more tools than ever before.

(27:43):
Planning has evolved, and that gives people more control than
they might realize, and.

Speaker 2 (27:49):
That control often comes from understanding how small decisions.

Speaker 7 (27:52):
Add up over time.

Speaker 2 (27:53):
Healthcare planning isn't about predicting every medical event. It's about
being prepared for categories of expense that are most likely
to show up.

Speaker 5 (28:01):
Another important part of this conversation is wellness. Preventative care,
regular movement, good nutrition, and healthy sleep. Habits don't just
support the quality of life, they can significantly reduce long
term health care costs. Staying active, keeping up with routine screenings,

(28:23):
and addressing small issues early often helps people avoid larger,
more expensive problems later.

Speaker 2 (28:30):
We're also seeing more retirees explore alternative care models for
routine services, things like cash pay practices or membership based care.
In some cases, those options can be more cost effective
than traditional insurance for everyday needs.

Speaker 5 (28:44):
And this is where awareness matters. Simply reviewing medications once
a year Understanding what's covered and paying attention to how
care is accessed can make a meaningful difference over time.
Care is another critical part of this discussion. Medicare costs

(29:04):
are changing, and those changes matter. Heading into twenty twenty six.

Speaker 2 (29:10):
We've seen increases in Part B premiums, deductibles trending upward,
and shifts in prescription drug coverage. While recent changes have
helped in some areas like capping certain out of pocket costs,
other parts of Medicare are becoming more expensive.

Speaker 5 (29:24):
Medicare remains one of the most powerful tools retirees have,
but it's not something to put on autopilot. Coverage changes,
premiums adjust, and personal needs evolve over time. Reviewing coverage
periodically can help avoid unnecessary cost and surprises.

Speaker 2 (29:47):
Another challenge heading into twenty twenty six is that certain
healthcare categories are rising much faster than others. Home healthcare,
diagnostic imaging, and behavioral health services have all seen sharp increases.
Is people often don't think about until they need them,
and that's when cost can come as a surprise.

Speaker 5 (30:05):
And often where care is received matters just as much
as the care itself. Choosing preferred facilities, asking about alternatives
and understanding pricing differences can result in meaningful savings without
sacrificing quality. Small choices like where an MRI is done

(30:28):
or which pharmacy is used, can add up over time.
One of the most important and often overlooked areas of
health care planning is long term care. Medicare does not
cover it and costs continue to rise. Most people won't
need full time nursing care, but many will need some

(30:51):
level of support at some point, such as help with
daily activities, mobility, or recovery after an ill illness. Planning
ahead creates options. It helps people stay independent longer, remain
in familiar surroundings, and make decisions on their own terms.

Speaker 2 (31:13):
And having a plan in place often brings peace of mind,
not just for retirees but for their families as well.

Speaker 5 (31:19):
When we come back, we'll talk about practical strategies, coverage decisions,
income planning, and how retirees can protect their retirement income
from rising health care costs.

Speaker 2 (31:33):
We'll also cover some important conversations families should be having
now to avoid stress and confusion.

Speaker 3 (31:38):
Later on.

Speaker 5 (31:39):
You're listening to safe money Strategies, stay with us. We'll
be right back after the break.

Speaker 4 (31:48):
Safe Money Strategies brought to you by Kelly Financial Services.
Called eight eight eight eight hundred eighteen eighty one or
visit Kellyfinancial dot org.

Speaker 17 (31:59):
Ready to enjoy your golden years without worry. At Kelly Financial,
we know retirement planning can be overwhelming. With more than
twenty two 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

(32:21):
eighty one or email Kelly at Kellyfinancial dot org. We're
Kelly Financial. Come retire with.

Speaker 4 (32:27):
Us safe money strategies with William Kelly and Kelly Kelly.
Call the team on eight eight eight eight hundred eighteen
eighty one.

Speaker 5 (32:38):
Care Thank you, Welcome back to Sake Money Strategies. I'm
Kelly Kelly here again with my son William Junior. Before
the break, we talked about why healthcare cost arising, where
retirees tend to fill the pressure most, and why planning
ahead makes such a difference rents. Now, we want to

(33:01):
focus on what retirees can actually do, the decisions, strategies
and conversations that help protect retirement income as health care
costs continue to rise.

Speaker 2 (33:15):
That's right, mom. Healthcare planning isn't about medical care. It's
about protecting income, maintaining lifestyle, and avoiding unnecessary stress later on.

Speaker 5 (33:24):
One thing that's becoming clear every year is that healthcare
is no longer a side expense in retirement. It's a
core part of the financial plan. New data shows healthcare
now consumes roughly twelve to fifteen percent of the average
retirees annual spending, and when unexpected medical expenses come up,

(33:48):
they're one of the main reasons retirees tap savings sooner
than planned.

Speaker 2 (33:53):
That's why healthcare planning really becomes income planning. When people
know what to expect, even roughly, it becomes much easier
to budget, stay disciplined, and enjoy retirement without consistently worrying
about the next bill.

Speaker 5 (34:06):
Even something as simple as setting aside a small, consistent
healthcare cushion can make a real difference. So when unexpected
expenses come up, you're not scrambling or worrying about the
next bill. You have a plan in place. Another major

(34:26):
piece of the puzzle is choosing the right Medicare coverage.
Medicare decisions aren't just healthcare decisions, their financial decisions.

Speaker 2 (34:37):
Medicare advantage plans can offer attractive extras like dental vision
or hearing coverage, but it's important to understand how networks
work and how out of pocket limits can change.

Speaker 5 (34:48):
Metagap plans, especially options like Plan G, continue to appeal
to retirees who value predictability. While premiums may be higher,
knowing what's covered can provide peace of mind.

Speaker 2 (35:05):
And prescription drug plans shift every year, formularies change, premiums adjust,
and medications evolve. Reviewing part decoverage regularly can make a
real difference.

Speaker 5 (35:16):
The good news is that Medicare coverage isn't one size
fits all. Plans can be customized based on lifestyle, travel, habits,
provider preferences, and budget.

Speaker 2 (35:29):
A helpful way to approach coverage decisions is to think
about priorities. Do you travel often? Do you want flexibility
with doctors as keeping monthly costs low the main goal.

Speaker 5 (35:39):
When coverage aligns with lifestyle, retirees tend to feel more
confident and more in control, and that confidence carries over
into other parts of the retirement plan. Another essential part
of protecting retirement income is planning for long term care,

(36:00):
one of the most unpredictable and disruptive expenses retirees may face.
Only a small percentage of Americans have any long term
care coverage at all, yet more than half of people
turning sixty five will need some form of extended care
at some point.

Speaker 7 (36:19):
That care can take many forms.

Speaker 2 (36:21):
It might mean aging in place with support, in home assistance,
assisted living, or something more intensive.

Speaker 5 (36:27):
The key is understanding that long term care planning isn't
about assuming the worst, it's about creating options. There are
different strategies available, including traditional insurance, hybrid policies, writers, or
intentionally self funding.

Speaker 2 (36:47):
Another piece that often gets overlooked is communication. Talking about
healthcare preferences early can prevent emotional and financial stress later.

Speaker 5 (36:54):
Conversations about health care proxies, decision makers, and career references
aren't always easy, but they're incredibly valuable. Clarifying who would
make decisions, where care would be preferred, and what level
of support feels right helps families avoid confusion during stressful times, and.

Speaker 2 (37:17):
These conversations can actually bring families closer. When expectations are clear,
loved ones feel more confident stepping in if they're ever.

Speaker 5 (37:25):
Needed, protecting retirement income against rising health care costs often
means being intentional about how income is structured. Some retirees
find it helpful to mentally separate predictable health care expenses
like premiums, from unpredictable ones like emergencies or specialized care.

Speaker 2 (37:48):
Building a dedicated health care bucket into the income plan
can help retire re state discipline and avoid pulling from
long term savings unnecessarily.

Speaker 5 (37:57):
For those still eligible, health savings accounts remain one of
the most tax efficient tools available, and reviewing income strategies
regularly helps keep plans aligned as cost change.

Speaker 2 (38:11):
Healthcare costs will change, that part is unavoidable, but scrambling
to adjust after the cost rise is what creates stress.

Speaker 5 (38:20):
Planning ahead creates stability. It allows retirees to focus on
enjoying life instead of worrying about what might happen next.
That's why having a coordinated strategy, one that considers Medicare,
supplemental coverage, income planning, and long term care makes such

(38:41):
a difference. This is also where having the right educational
resources help. Our guide don't let healthcare expenses derail your
retirement walks you through common misconceptions long term care risk
and practical planning strategies in a clear, easy to understand way.

(39:03):
If you'd like a complimentary copy of that guide, you
can give us a call at eight eight eight eight
hundred eighteen eighty one or email us at Kelly at
Kellyfinancial dot org. We're happy to get that information out
to you so you can review it at your own
pace and feel confident about the decisions ahead.

Speaker 2 (39:26):
And that guide is really designed to help people ask
better questions and make stronger decisions, not just today, but
over time.

Speaker 5 (39:33):
Healthcare planning does not have to feel overwhelming. With the
right information and a thoughtful plan, retirees can protect their income,
maintain flexibility, and enjoy retirement with confidence.

Speaker 2 (39:47):
A strong retirement plan is one that is designed to
protect you, and that includes planning for healthcare.

Speaker 5 (39:53):
Thank you for joining us today on Safe Money Strategies.
We appreciate you spending part of your weekend with us,
and we look forward to continuing the conversation next week.

Speaker 4 (40:07):
Safe Money Strategies brought to you by Kelly Financial Services.
Call eight eight eight eight hundred eighteen eighty one or
visit Kelly Financial dot org.

Speaker 3 (40:18):
Welcome back to Safe Money Strategy.

Speaker 1 (40:19):
I'm Mike du said, here with Greg Workman and before
the break, we set the stage talking about holiday spending,
market behavior, and some of those classic seasonal patterns.

Speaker 12 (40:29):
And at this half of the show, we're going deeper
because every year around this time we get the same question,
does holiday spending tell us anything meaningful about the upcoming year?

Speaker 3 (40:39):
The short answer is yes, but with context exactly.

Speaker 12 (40:43):
It's a signal, not a prediction, and it's a small
part of a much bigger economic picture.

Speaker 3 (40:49):
Let's start with a basic but important point.

Speaker 1 (40:51):
When we look at holiday spending, we're not just asking
did people buy more gifts this year?

Speaker 12 (40:56):
We look at the why are they spending more because
wages are up, because inflation has cooled, because consumer confidence
is improving, Or are they spending more using more credit
because costs have increased.

Speaker 1 (41:09):
Those underlying factors matter more than the headline number that's right.

Speaker 12 (41:13):
For example, if holiday spending comes in strong, it could
mean companies enter the new year with healthy cash flows
that can support earnings, which is good news for the
stock market.

Speaker 1 (41:24):
But if spending is strong only because people are relying
heavily on credit, that's a different story.

Speaker 12 (41:29):
And that's why we never look at these numbers. In isolation,
they're a piece of the puzzle, one indicator among many.

Speaker 1 (41:36):
Now let's tie this into twenty twenty six, because this
is where retirees get confused. They hear something like holiday
sales are up four percent this year and assume the
markets should automatically soar.

Speaker 13 (41:46):
Or the opposite.

Speaker 12 (41:48):
If sales are weak, they assume a recession is coming.

Speaker 1 (41:51):
But the markets don't operate on a single data point.

Speaker 12 (41:54):
Here's what matters more, what companies forecast for the following year.
Trends in waight growth, trends in inflation and interest rates,
household savings rates, credit usage, supply chain and inventory levels.

Speaker 1 (42:08):
Holiday spending is like checking the scoreboard at halftime. It
tells you something, but the second half.

Speaker 12 (42:14):
Still has to be played, and one week or strong
holiday season does not determine an entire market year.

Speaker 1 (42:21):
This is where behavior comes in again, because around this
time of the year, people are extra influenced by emotion.
Some feel optimistic because it's the holidays, Others feel stressed
because of spending, and both groups tend to project those
failings onto the markets.

Speaker 12 (42:34):
We call that emotional forecasting, and it's dangerous.

Speaker 1 (42:38):
The prepared retirey the one with a rail income plan,
risk strategy, and diversified portfolio doesn't need to react to
spending trends or seasonal patterns.

Speaker 12 (42:47):
They know their plan already accounts for both strong and
weak economic years.

Speaker 3 (42:52):
That brings us to a great story from last week.

Speaker 1 (42:54):
A new client we'll call her Carol appropriately for the season,
came in failing overwhelmed.

Speaker 12 (42:59):
She told us, I spend more than I meant to
this year. I'm worried that everyone else is doing the
same thing and it's going to hurt the economy.

Speaker 1 (43:08):
And I love this example because it shows how personal
spending habits can distort our perception of national trends.

Speaker 12 (43:14):
We walked her through a few key points. One person's
experience doesn't reflect three hundred and thirty million others, The
economy is extremely diversified, a single season doesn't define a
full market trend, and her retirement plan isn't based on
one month of consumer activity.

Speaker 1 (43:34):
What helped her most was understanding that her retirement plan
was built to withstand both good cycles and slow cycles.

Speaker 12 (43:40):
She left with clarity instead of guilt, which is exactly
what good planning does.

Speaker 13 (43:45):
It reduces the emotional noise.

Speaker 1 (43:48):
Listeners always want us to answer the million dollar question,
what does all this mean for next year's market?

Speaker 13 (43:53):
And here's the honest answer.

Speaker 12 (43:54):
Holiday spending helps shape expectations, but it doesn't predict outcome.

Speaker 1 (44:00):
Strong spending might point to continued corporate earning strength, better
consumer confidence, and a smoother economic transition into the first quarter.

Speaker 12 (44:08):
Week spending may suggest a more cautious consumer potential, slowing
in certain sectors, more pressure on more discretionary companies.

Speaker 3 (44:17):
But again, it's one piece of the puzzle.

Speaker 12 (44:19):
The real outlook depends on dozens of factors, not just
what happened at Target in December.

Speaker 1 (44:25):
So if you're a retiree listening right now, here's what
you should take away. One, don't build your investment decisions
around holiday spending reports. Second, don't expect or depend on
a Santa Claus rally. Third, do pay close attention to
your personal plan, not seasonal noise. Fourth, do control what
you can control before your end.

Speaker 3 (44:45):
And fifth, check your rmds.

Speaker 1 (44:47):
ROTH opportunities and tax items immediately you have very little
time left.

Speaker 12 (44:52):
The last one is a big one, especially this week.
You can't change the economy, but you can make sure
you're not leaving money on the tape or triggering penalties.

Speaker 1 (45:02):
And if you're not sure whether your plan can weather
both good in challenging markets, or if you're not sure
you're ready for twenty twenty six, now is the time
to get clarity.

Speaker 12 (45:10):
We've put together a resource called the Safe Money Strategies Workbook.
It's designed specifically for retirees and pre retirees who want
a clear retirement income plan, a tax efficient strategy, protection
against stock market volatility, and a step by step outline
of what.

Speaker 3 (45:31):
To review each and every year. And this week, with
the year closing.

Speaker 1 (45:34):
It's more important than ever to understand those pieces.

Speaker 12 (45:37):
So call our office, schedule your visit, and let's go
through your plan.

Speaker 13 (45:42):
No cost, no obligation, just clarity.

Speaker 3 (45:45):
You've worked decades to save your money. Make sure you
stick to a plan.

Speaker 1 (45:48):
Don't let yourself get tossed around by headlines or holiday emotions.

Speaker 12 (45:52):
From our team to your family, we wish you a
very merry Christmas, a wonderful holiday season, and a financially
confidence start to twenty twenty six.

Speaker 1 (46:02):
You've been listening to Save Money Strategies, we'll see you
next week.

Speaker 11 (46:09):
Joining us now, as she always does at this time,
she is the co founder, CEO and President of Kelly
Financial Services. And yes, that is her wonderful name, Kelly,
Kelly Kelly, how are you.

Speaker 5 (46:30):
Good morning, Jeff.

Speaker 10 (46:32):
I am good.

Speaker 5 (46:33):
As we get closer to Christmas, I've been reminded that
the most meaningful moments aren't about big spending. They're about family,
traditions and gratitude. For many retirees, the rising cost of
living has been an ongoing reality. Groceries, travel, celebrating with family.

(46:55):
It all takes more planning and intention these days. That's
why being smart with your money matters so much in retirement.
At Kelly Financial, we want you to feel confident and prepared.
We have a helpful resource for you, our Guide Inflation
and your Retirement. It explains how inflation affects retiree specifically

(47:19):
and offers practical steps to help protect your purchasing power
over time. So enjoy the season you love knowing you
have a plan design to support your lifestyle. To request
your complimentary copy, give us a call or email Jeff,
have a wonderful weekend, My best grace, send the kiddos.

Speaker 11 (47:40):
Thank you, Kelly, all the best to you and everyone
at Kelly Financial. To get a free copy of that guide,
and I urge all of you if you can do
get it call now eight eighty eight hundred, eighteen eighty
one eight eighty eight eight hundred eighteen eighty one, or
you can actually email Kelly yourself personally Kelly at Kelly

(48:02):
Financial dot org. That's Kelly Kelly Financial dot org.

Speaker 4 (48:12):
Safe Money Strategies A eight eight hundred one eight eight one.

Speaker 5 (48:21):
Every once in a while, we like to slow things
down and share something truly special from our archives, moments
that remind us what this season is really about. This
next segment is a conversation between Bill.

Speaker 6 (48:35):
Kelly and our son.

Speaker 5 (48:37):
William Junior, recorded many years ago that blend's family, faith, imagination,
and the simple wisdom of a child. It's a reminder
that the most meaningful lessons often come from the youngest voices.
Here's Bill Kelly.

Speaker 18 (48:55):
Welcome back, ladies and gentlemen. We are with one of
my favorite guests, William Kelly Junior.

Speaker 10 (48:59):
How are you today? William?

Speaker 8 (49:00):
I am great.

Speaker 3 (49:01):
How are you?

Speaker 8 (49:02):
I'm having a magnificent day. I'm very happy and I'm
really very happy to be back on the radio show again.

Speaker 18 (49:09):
Oh great, Well, we have a lot of issues of
the day. We want to ask William about particularly in
our family, we've been discussing a fable about the King
of Persia many many years ago, hundreds of years ago,
he canceled all toys for Christmas and he said there'd
be nok toys in the country of Persia unless someone
could come forward with three good reasons for toys. So

(49:31):
we've been discussing this and William, do you have any
ideas that you would have told the King of Persia
in order to save toys the three reasons?

Speaker 3 (49:39):
Yes, I do.

Speaker 8 (49:40):
In fact, I mean we've been discussing this every night,
and we've been talking about it, saying what would you do? So,
I mean every time I wouldn't come up with something,
Dad would say, oh, no toys.

Speaker 3 (49:51):
For Persia this Christmas.

Speaker 8 (49:53):
So I would say one, I think toys would actually
open the imagination of so they can create more things
in the future.

Speaker 3 (50:02):
Two kids need fun in life.

Speaker 8 (50:05):
They need to have a good childhood more than studying,
having no fun, doing nothing, and it's going to be
a pretty boring world for the kids of Persia. And finally,
I would say toys is We've been making it for
a very long time and kids have always loved them.

Speaker 3 (50:25):
Have you ever heard of Pokemon Go.

Speaker 8 (50:26):
I'm sure everybody's heard of Pokemon Go. Let's say you
have a toy and your friend has another toy, and
you can play together, meet people more and more and
more and more. It's sort of like Pokemon Go. I
met probably at least ten people so by Pokemon Go
Journey one time. Just in one day, we met like

(50:48):
ten people. It's amazing.

Speaker 18 (50:51):
I think those three reasons would probably get the toys
back for the kids of Persia.

Speaker 8 (50:55):
It probably would, I think. I mean it's up to
the king. You know, he's the boss, true, so I mean,
if he likes him, it's his decision. But that's just
why I think there should be toys in Persia. I remember,
this is just a fab it will be well.

Speaker 18 (51:10):
It's a pretty strong fable. We want to make sure
well great. We're here with William Kelly, age ten. Now
we know you like to work with technology a lot.
Is there anything that the audience should be aware of
or be aware of concerning technology this Christmas?

Speaker 8 (51:26):
William, No, everybody's sort of a new Windows ten, Windows
eight point one and Windows ten and Windows seven. I
don't know if everybody remembers, but who remembers Windows ninety five,
Windows three point one. Everybody remembers those realigal versions. Sometimes
I just look at reviews on the internet and then

(51:47):
compare it with Windows ten.

Speaker 3 (51:49):
I'm amazed.

Speaker 8 (51:50):
The only thing that you never want to do is
I found out just today, is that once you downgrade
to Windows ninety eight, as you are, so, the maximum
that I heard is that you downgrade to Windows two thousand.
It's whenever the beginning of modern Windows updates.

Speaker 3 (52:08):
Sorry to come out.

Speaker 8 (52:09):
But I'm really into all this computer stuff.

Speaker 18 (52:12):
Very good, ladies and gentlemen. With William Kelly, we're going
to do a little technology now. William, when you were
a kid, you basically had a Thomas to train for Christmas,
you had the Teletubbies. You didn't have all this technology.
Do you think this technology is bad for kids right now?
Or do you think it's a good thing for kids now?

Speaker 8 (52:29):
Otherwise, screen staring at a screen for forever. Apple On
the new updates, there's this new thing that if you
scroll up, there's a button down there with flashy light
bulb or something like that. I believe it has like
cut in half of the dark shine and a bright side.
It's like eyes straining recovery or.

Speaker 10 (52:48):
Something like that. I don't know, but shut helping.

Speaker 8 (52:51):
So let's say your eyes, you're getting a headache, your
eyes are hurting. Whatever you turn that on, It's helped me.
So I really do recommend turning it on. And we'll
go all the way to seven pm.

Speaker 10 (53:05):
Oh good.

Speaker 18 (53:05):
What do you think? Are you going to a restaurant?
You see a family of five eating and they're all
looking at their electronic devices and wiggling their thumbs. What's
your opinion that way?

Speaker 8 (53:16):
Now we see on everybody is that they're using social
media like Snapchat, Instagram, Facebook. If they're all doing work,
I wouldn't mind that. I mean, come on, business is
the life, how they get money. So social media isn't
really important at dinner time because I mean they're enjoying
a meal and you're trying to hang out with each.

Speaker 10 (53:36):
Other, right, so let's put it.

Speaker 8 (53:38):
Aside quality time with your family.

Speaker 10 (53:40):
Do you think there's just too much technology right now?

Speaker 17 (53:43):
Now?

Speaker 8 (53:43):
We do have a lot of technology nowadays. There's iPhones,
all these Windows, Commuter, Microsoft is Apple, IBM is now
being used for I see at the under Armer store
like a bunch of closed stores that the cashiers they
use an IBM computer to deal with everything.

Speaker 10 (54:02):
No, I know.

Speaker 18 (54:03):
You went to the Apple store in Providence and they
asked you to wait for a while, and they gave
you a Mac to use, and suddenly you could see
the controls for every computer in the store and all
the Wi Fi keywords and what happened there?

Speaker 10 (54:15):
William, I go to.

Speaker 8 (54:16):
The Apple store and there's this thing called terminal. It's
like command prompt, but for Apple computers. Command prop is
a command line where you can type in commands and
do stuff now on Apple on terminal. I just wanted
to see if they actually blocked it or not. So
I type in terminal on the Spotlight search and their

(54:38):
terminal pops up.

Speaker 10 (54:39):
Well that was were you surprised?

Speaker 7 (54:41):
I was very surprised.

Speaker 8 (54:42):
I thought they'd block it actually, So I went over
to a worker and I told them, Hey, there's terminal
on the Max and the MacBooks, all the computers, and
on terminal you can take control, take control, you can
mess up the network, to mess up the computer itself,
you can do whatever.

Speaker 10 (54:58):
Were they surprised?

Speaker 8 (55:00):
They are very surprised. So I've probably saved Apple like
two million dollars, who knows, who knows?

Speaker 18 (55:04):
Wow, well it worked out well for them that day
that you were there, and thank god it wasn't a
malicious hacker, right William, Yes, yeah.

Speaker 10 (55:13):
Well great.

Speaker 18 (55:13):
So with all this technology, what about the purpose of Christmas?
I guess is a little tiny baby named Jesus right, Yes, yes.

Speaker 8 (55:21):
There was, and he was born on that day and
we're not actually sure on what day he was actually
born out, but everybody thinks he was just born on that.

Speaker 18 (55:31):
Day, twenty fifth. It's the birthday of Jesus and gives
us all new hope every year. Santa seems to be
able to make it no matter where you are, where
he finds us all and maybe the same with baby Gees.
Anything else you'd like to say before we head out,
William nice.

Speaker 8 (55:45):
Being on the radio show, and everybody have a great
Christmas Day.

Speaker 10 (55:48):
Bab's not be done, okay, god less? Thank you, William Kelly.

Speaker 4 (55:55):
We called Kelly Financial Services eight hundred eighteen eighty one.

Speaker 5 (56:01):
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 insureds your assets are allocated wisely, helping your

(56:22):
money last as long as you need it. The advisors
at Kelly Financial will help you take charge of your
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build a balanced portfolio. For the guide and a free
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hundred eighteen eighty one or email Kelly at Kellyfinancial dot org.
We're Kelly Financial. Come retire with us safe.

Speaker 4 (57:00):
Money strategies with William Kelly and Kelly Kelly. Go to
Kelly Financial dot org.