Kelly Financial: Saturday, July 11, 2026

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Episode Transcript

Speaker 1 (00:12):
It's coming to 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.

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 callin radio show focused on common sense planning and
protecting wealth. Over the past two decades, Dad became a

(00:51):
pillar in New England finance, an engineer turned 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 SEC

(01:14):
registered investment advisory. Where fiduciary care and our family first
philosophy guides us.

Speaker 3 (01:20):
On safe money strategies.

Speaker 2 (01:21):
You'll hear candid conversations with the team my mother Kelly, myself,
advisors Charlie Gable, Mike Ducett, Greg Workman, Greg Murray, my
sister Mary, Madeline, Tom Schleger, and Josh Smith. We live
by two rules, 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.

(01:42):
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
is where I sit down with my son William Kelly Junior,
and we talk about life, what's going on in the world,
in our family, and what really matters most when you're

(02:37):
planning for the future. Sometimes it is light, sometimes is thoughtful,
but it's always real. Good morning William.

Speaker 3 (02:44):
Good morning Mom. How are you.

Speaker 5 (02:46):
I'm doing great? How about yourself?

Speaker 3 (02:48):
I'm doing pretty well.

Speaker 2 (02:49):
Tomorrow is a big day, Murray Madaline is going to
be having a race.

Speaker 5 (02:53):
Yes.

Speaker 2 (02:55):
And today we have the member Appreciation Day at your
local gym, A local gym.

Speaker 5 (03:01):
Yes.

Speaker 2 (03:02):
So we have a pretty big weekend. And we had
a wonderful Fourth of July. We went over to Bristol,
Rhode Island, and over there has the oldest Fourth of
July parade in American history and just a wonderful vibe
about it. We had a wonderful time, we sure did.

(03:22):
We got to see some fireworks as well. We got
to see a neighborhood fireworks show. Yes, and plenty of mosquitoes.

Speaker 5 (03:28):
I was about to say, I think I got chewed
up the most.

Speaker 3 (03:31):
It was brutal, but it is what it is. You know,
it comes with the territory exactly. So are you excited
for the member appreciation data?

Speaker 5 (03:39):
Well, you know our boot camp will be running as well, yes,
this morning, Yes, right after our show, so I'll have
a workout.

Speaker 3 (03:48):
Wow, and maybe during the event.

Speaker 5 (03:50):
During the event, yes, So you can work out as well.

Speaker 2 (03:54):
Yeah, I know I will work out. I won't do
what you guys are doing because like.

Speaker 5 (03:57):
That, oh will yam just like a circuit training. And
I know Mary Madaline cannot She'll be with us, but
since she has her marathon the next day, she cannot participate.

Speaker 3 (04:09):
Yeah, I no, she can.

Speaker 5 (04:10):
A running coach told her do not.

Speaker 3 (04:12):
So they'll have donuts.

Speaker 5 (04:13):
There are her protein donuts.

Speaker 3 (04:15):
Protein donuts. Yes, I got to try these.

Speaker 5 (04:18):
And Hannah, the general manager and one of the trainers.
Her mother is cooking breakfast.

Speaker 2 (04:23):
I don't know if she's a Chef's a chef?

Speaker 5 (04:27):
I okay, wow, okay, yeah, she's cooking like a full breakfast.

Speaker 3 (04:31):
That's pretty exciting, I know.

Speaker 5 (04:32):
So we'll get a great workout in. I'm usually dying
at the end, that's true. So this week I got
in six thousand steps on the step machine for you've Lordie,
who knew amazing what you can do when you put
your mind to it.

Speaker 3 (04:50):
It really is.

Speaker 5 (04:51):
Yeah, all because of you, William. You push me to
do this.

Speaker 3 (04:56):
I knew it would change your life. That's the most
important thing.

Speaker 2 (04:59):
And it's it's like so important that you do it
now instead of pushing it off. But even if you
did push it off, it's like what Dad used to say,
when was the first best time to plan a treat
thirty years ago? When's the next best time today? Say?

Speaker 5 (05:12):
Who would say twenty years ago? Yeah, where'd you get
thirty from?

Speaker 3 (05:15):
I don't know. I know it's a Chinese proverb. Ye
you got from that.

Speaker 2 (05:18):
I'm sure you shut it down because it's a little
bit more realistic, especially in investments.

Speaker 5 (05:22):
But yeah, I mean thirty years works as well.

Speaker 3 (05:26):
So I have my series sixty five coming up pretty soon.

Speaker 5 (05:30):
Oh how do you feel about that?

Speaker 3 (05:31):
I feel good.

Speaker 2 (05:32):
I'm consistently scoring on my practice tests.

Speaker 3 (05:36):
And I'm passing.

Speaker 2 (05:37):
And so I know the service that I use called
Kaplan that helps me study for it is about five
to twelve percent harder than the actual test. So I
just need to keep doing practice tests, I need to
keep watching resources like tutors that post online. There are
a lot of really good resources out there. So I'm

(05:57):
just I'm looking forward to taking it, and I'm actually
excited to take it. That's I'm actually really excited to
take it because I mean, this is like the first
step towards my solidification of like being an advisor at
Kelly Financial.

Speaker 5 (06:12):
I love it.

Speaker 3 (06:12):
Well, be sure of Kelly Financial.

Speaker 2 (06:13):
So, you know, I think it's time Mary Madaline got hers,
Now it's time for me to get mine excellent. I'm
excited to be in the industry, you know. I want
to soak it all in. I really do. It's going
to be wonderful, especially as technology evolves. We can have
a better experience for our clients at Kelly Financial. And
we have so many resources right now, and we just

(06:35):
have so much, so much, and we could really just
be powerful advisors for people.

Speaker 3 (06:40):
Yea, which is just awesome, you know what I mean.

Speaker 5 (06:42):
It is, And I feel like you have a true
passion for this.

Speaker 3 (06:45):
I appreciate that a lot.

Speaker 5 (06:46):
I see it. And you talk to your friends and
you know people you talk to you just you like
your own fire.

Speaker 2 (06:55):
That's kind of why I wrote the book, kind of
put all my thoughts into one thing.

Speaker 3 (07:00):
Yeah. Sometimes I'll talk.

Speaker 2 (07:01):
To somebody about it and I'll just say read my book,
and they'll just be like, haha, and I really am
not kidding.

Speaker 3 (07:06):
I'll think I'm kidding, but I'm not. I'm being serious.
Read my book. The point of the book was never
really like making money. Yeah.

Speaker 2 (07:13):
It was about education, yes, and it was about like
being a resource. It was a passion project because I
want to I want to teach people, I want to
help them, and I've been exposed to so much it
would be almost wrong for me not to make this.
So when it comes to education for finances and investment finance,
we significantly lack it in our education system, to the

(07:36):
point where folks will graduate from high school and they
won't ever open a brokerage account until years later, especially
when they enter the workforce and they're surrounded.

Speaker 3 (07:47):
By co workers who sort of speak about it.

Speaker 2 (07:50):
Maybe that's how they learn, or they learn in college,
but even in college, you don't really get taught that
even if you try, Like I know a lot of
folks since I go to a business schol who want
to work in private equity and wealth management and.

Speaker 3 (08:02):
They don't get taught how to be one.

Speaker 2 (08:05):
And Josh Smith and I actually had a really good
conversation about this. There are not a lot of advisors
out there. It's actually decreasing in number, and in college
courses that number is decreasing as well.

Speaker 3 (08:18):
It's already small. But folks will think.

Speaker 2 (08:22):
I want to get into private equity and I want
to get into wealth management, and they don't realize that
financial advisors are that.

Speaker 3 (08:28):
Rias are that. Fiduciary advisors literally are that.

Speaker 2 (08:32):
So it's like the education you would learn is just
not being taught, which is a shame because even at
Kelly Financial, we want our clients to be educated to
the fullest, and we have the resources and it's literally
our job to manage your money and we're there to
take care of that burden and to help you with

(08:54):
your plan and to give you a professional opinion. But
that doesn't mean that we want to hold all the knowledge.
That means that that we would want our clients to
be just as educated, if not more agreed, because that's
the fiduciary standard that we all have to swear by,
we're obligated to. So that's part of the book was
to honor that and to genuinely help people. So I

(09:15):
can't wait to be an advisor and to actually put
that into physical action and not just be an investment writer.

Speaker 3 (09:21):
To go to the next level.

Speaker 2 (09:22):
And then once I'm an advisor, I can't wait to see,
you know, what comes across my table and what kind
of books I want to write in more advanced fields.
I'm really excited for that. So we will see about that.
So besides all that stuff, we've got a big race
from Ray Maddelin tomorrow. We have a big day to
day at the gym. We're all going to work out
together minus Ray Maddelin. Won't do anything too crazy because

(09:43):
I mean, you know, she'll be at the race. But
somebody else will be at this race. Who is this person?

Speaker 5 (09:48):
Doctor Grace will be there. She will, Yes, it was
doctor Grace and Mary Madaline. I don't know it. I
think they were at lunch one day and I think
it was doctor Grice. Who it was her idea, I.

Speaker 3 (10:03):
See, so she is.

Speaker 5 (10:06):
She's running the race as well.

Speaker 3 (10:09):
That's incredible, I know, and I did want to talk
about this.

Speaker 2 (10:12):
This is a little bit sad, ladies and gentlemen, but
the World Cup happens every four years. The last time
we hosted a World Cup was well over thirty years ago.
We've never won a World Cup before, and we came
close in the first World Cup, but we were third place.

Speaker 3 (10:28):
So this World Cup.

Speaker 2 (10:30):
We made it to the round of sixteen, so we
made it to the knockout stages and we played Belgium
and we lost four to one. It was brutal and
that was not the same team, ladies and gentlemen. I
think we've entered a sport that is not too popular
in our country, and we were doing super well and

(10:51):
we all of a sudden started to amass all these
fans and then the pressure just hit us and we
kind of collapsed, I think. And we have an Argentinian coach.
If you know anything about our Argentina, it's one of
the most successful soccer countries in the world. We have
an incredible coach. He has transformed this team from nothing
into something really good. Does it give me hope for

(11:11):
the next World Cup in four years, Yes it does,
but we have a lot of work to do before
we go to win our first I will say this
is a huge, great leap forward in that respect. It
is a little disappointing when your host country loses, but
it was a good run.

Speaker 3 (11:27):
It was a good fight. I know I'm rooting for
Spain and Argentina.

Speaker 2 (11:30):
I know we live next to a lot of Portuguese
people who are definitely Portugal fans, and I know there's
a bit of rivalry there. I know Portugal grount.

Speaker 3 (11:41):
Oh.

Speaker 2 (11:41):
Yeah, so I know a lot of people will not
be rooting for Argentina, who is like Portugal's nemesis because
of Ronaldo. So you know, maybe if you guys could
find it in your hearts, that would be incredible.

Speaker 3 (11:53):
So yeah, I know, but everything's been good.

Speaker 2 (11:55):
It's been a hot summer, but you know what it's
it's been really productive and it's been a lot of fun.

Speaker 5 (12:00):
Absolutely, absolutely, 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 discuss how a solid retirement
plan gives you the confidence to enjoy life's moments without
financial stress. Mary Madeleine Kelly and Greg Murray will explain
how giving every dollar a purpose can help you build

(12:23):
a stronger financial future. When William and I return, we'll
talk about how small steps today can lead to stronger
relationships and a happier retirement tomorrow. And of course we'll
close the hour with some wit and wisdom from the
late Bill Kelly. His words continue to inspire and guide us.

(12:44):
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, I love you.

Speaker 6 (13:02):
Okay, my friends, let me tell you about Kelly Financial Services.

Speaker 1 (13:06):
You know how this goes in January.

Speaker 6 (13:09):
Everybody's discipline, the budget is tight, the plan is in place.

Speaker 1 (13:13):
Then you blink and it's juom. Spending is grept up.

Speaker 6 (13:17):
Costs of climb, healthcare expenses, inflation, family needs, life doesn't
slow down. That's why a mid year retirement check in matters.
Because our retirement plan you set up once and never review.

Speaker 1 (13:32):
That's not really a plan. Kelly. Kelly and her team
have put together a.

Speaker 6 (13:36):
Complimentary investor guide called five Retirement.

Speaker 1 (13:39):
Planning Missteps to Dodge.

Speaker 6 (13:41):
It covers healthcare costs, inflation, long term care, and why
keeping your strategy up to date matters.

Speaker 1 (13:49):
Schedule your annual review.

Speaker 6 (13:51):
Request your free copy now, Call Kelly Financial eighty eighty
eight hundred and eighteen eighty one or email Kelly at
cacial dot org.

Speaker 7 (14:03):
Welcome back to Safe Money Strategies. I'm Mike Ducett, chief
operating officer at Kelly Financial, and alongside me each week
is Greg Workman, investment advisor. Each week we talk about
the financial decisions that can help you prepare for retirement.

Speaker 3 (14:16):
With confidence, whether you're already.

Speaker 7 (14:18):
Retired, planning to retire in the next few years, or
simply trying to make smarter financial decisions. We're glad you've
joined us, Gray, I can't believe we're already in the
middle of the summer. It seems like Memorial Day was
just yesterday, and before we know it, Labor Day will
be here.

Speaker 3 (14:31):
It really does fly by, Mike.

Speaker 8 (14:33):
Summer has a way of reminding us how quickly time passes.
One minute you're planning a vacation, the next you're watching
the kids head back to school. For many people, summer
is about making memories, family cookouts, vacations, weddings, re unions,
trips to see children or grandchildren. It is often one

(14:56):
of the busiest and most enjoyable times of the year.

Speaker 7 (15:00):
And one thing I've noticed over the years is that
when I ask people what they're looking forward to most
in retirement, very few start by talking about money. They
don't say I can't wait to have a larger investment account. Instead,
they say things like I want to travel, I'd like
to spend more time with my grandkids, I want to
visit my daughter in Florida whenever I want, I'd like

(15:20):
to take that cross country trip we've been talking about
for years. Those are the things people picture when they
imagine retirement exactly.

Speaker 8 (15:28):
Retirement isn't really about leaving work. It's about gaining freedom.
Freedom to spend your time the way you choose. Freedom
to say yes when your grandchildren ask if you'll come
to a soccer game, freedom to book a flight without
wondering whether you have enough vacation days. And freedom to

(15:49):
take a Tuesday afternoon to go fishing, golfing, or simply relax.
Those are the moments that people remember and cherish.

Speaker 7 (15:59):
And that's one of the reasons we spend so much
time talking about planning. People often think financial planning is
only about investments. Investments certainly matter, but they're really just
a tool. The real question is what kind of life
do you want your money to help create? Because if
your financial plan isn't supporting your life goals, then what
are we planning for.

Speaker 8 (16:19):
That's such an important point at Kelly Financial Services. One
of the first conversations that we have with prospective clients
isn't about their investment portfolio. It's about them. What do
they want retirement to look like? Where do they want
to live, do they plan to travel. Do they want
to help their children or grandchildren along the way. Will

(16:43):
they spend winters somewhere warm. Do they expect to volunteer
or part time or maybe start a new hobby. Those
answers shape everything else.

Speaker 7 (16:54):
That's why we always encourage people to begin with a
written financial plan before making investment, to say, if you
don't know where you're trying to go, it's difficult to
know whether your investments are actually helping you get there.
A financial plan gives purpose to the investment strategy.

Speaker 3 (17:09):
And here's something we've learned over the years.

Speaker 8 (17:12):
The happiest retirees aren't necessarily the wealthiest retirees. Many have
accumulated significant savings, but what really sets them apart is confidence.

Speaker 3 (17:25):
They know what they can afford.

Speaker 8 (17:27):
They know what their income looks like, they understand where
their money is coming from, They've planned for taxes, and
because they've done the planning, they're able to enjoy retirement
instead of worrying about every financial decision and its impact
on their financial snapshot.

Speaker 7 (17:47):
One of my favorite moments is hearing clients tell us
about the trips they're taking or the extra time they
get to spend with family, maybe they're spending a week
with their grandchildren during summer vacation. Maybe they're taking the
entire family to the beach. Maybe they're finally checking destinations
off their bucket list. Those stories are rewarding because they
remind us that retirement planning isn't about spreadsheets.

Speaker 3 (18:08):
It's about creating opportunities.

Speaker 8 (18:10):
That's exactly right. And while summer is a wonderful time
for making memories, it's also one of the most expensive
seasons of the year. Think about everything that tends to
happen between Memorial Day and Labor Day, vacations, graduation parties, weddings, cookouts,
home improvement projects, higher electric bills from running air conditioning,

(18:35):
dining out. More often, even something as simple as filling
up the gas tank for a road trip costs money.
Summer can put a strain on almost anyone's budget.

Speaker 7 (18:46):
And I think that's okay as long as those expenses
are part of the plan. There's absolutely nothing wrong with
spending money on experience that bring joy. The key is
making sure those expenses don't create stress later. Too often
people spend first in warry about the consequences afterward. Planning
simply helps make sure today's enjoyment doesn't become tomorrow's regret.

Speaker 8 (19:06):
That's where having a retirement income strategy can really make
a big difference. Instead of wondering where the money is
going to come from, you've already thought through those decisions.

Speaker 3 (19:19):
You know which accounts make the.

Speaker 8 (19:21):
Most sense to draw from first, you understand the potential
tax implications, and perhaps most importantly, you know those vacations
and family trips fit comfortably within your overall retirement plan.
That's a very different feeling than crossing your fingers and

(19:42):
hoping everything works out.

Speaker 7 (19:44):
When we come back, we're going to talk about something
that catches a lot of families by surprise. Every year,
summer may be winding down, but for many households, one
of the biggest financial seasons is just beginning. We'll discuss
college tuition, helping adult children, supporting grandchildren, and how those
expenses can affect your retirement if they're not planned for

(20:05):
an advance. You're listening to save money strategies with Mike
Twocent and Greg Workman.

Speaker 3 (20:09):
We'll be right back.

Speaker 4 (20:14):
Kelly Financial Services eight eight eight eight hundred eighteen eighty one.

Speaker 5 (20:19):
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

(20:42):
eighty one or email Kelly at Kellyfinancial dot org. We're
Kelly Financial. Come retire with.

Speaker 4 (20:48):
Us The Money Wrap with Kelly Financial Advisors, Greg Murray
and Mary Madeline Kelly.

Speaker 3 (20:57):
Good morning.

Speaker 9 (20:57):
This is Greg Murray, Senior vice president and chief Compliance
Officer at Kelly Financial Services. Join me today is Mary
Madeline Kelly, one of our wealth advisors.

Speaker 3 (21:05):
How are you doing today?

Speaker 10 (21:06):
I'm doing great, Greg, And today's topic is one we
hear all the time from clients. Someone receives a bonus,
sells a house inherits money, or simply builds up more
savings than usual, and they ask, what should I do
with all this extra cash?

Speaker 3 (21:21):
That's right?

Speaker 9 (21:21):
And while everyone would love a simple answer, the truth
is there isn't a one sized solution that fits all
the right decision depends on your goals, your timeline, and
what that money is meant to accomplish exactly.

Speaker 10 (21:32):
Before you decide where the money should go, it's important
to ask what job you want that.

Speaker 3 (21:36):
Money to do.

Speaker 9 (21:37):
That's a great way to put it. Is the money
there for an emergency? Is it there for retirement, a
home purchase, college, travel? Your answers should drive your decision.

Speaker 10 (21:46):
The first thing we typically encourage people to consider is
whether they have an adequate emergency fund. Unexpected expenses happen,
and having readily available cash can provide tremendous peace of mind.

Speaker 9 (21:58):
For many households. That's one of the most import important
financial foundations. Having cash available can help prevent you from
needing to borrow or sell investments during an inconvenient time.

Speaker 10 (22:06):
Once that foundation is in place, then it's worth looking
at whether there are higher priority opportunities for that cash.

Speaker 9 (22:13):
One example is paying down high interest that if you're
carrying credit card balance into double digit interest rates, reducing
that that may provide a meaningful financial benefit.

Speaker 10 (22:22):
Another opportunity is making sure you're taking full advantage of
retirement accounts if you're eligible. Those accounts can offer valuable
tax advantages depending on your situation.

Speaker 3 (22:31):
And then there's investing for longer term goals.

Speaker 10 (22:33):
If this is money you won't need for many years,
investing may be appropriate. Of course, investing involves a risk,
including the potential loss of principle, and any investment decisions
should fit within your overall financial plan.

Speaker 9 (22:45):
One mistake we sometimes see is people leaving large amounts
of cash sitting in a checking account simply because they're unsure.

Speaker 5 (22:50):
Of what to do right.

Speaker 10 (22:52):
Cash certainly has an important role, but if money is
intended for long term growth, it's worth evaluating whether it's
working as efficiently as it could be.

Speaker 9 (23:01):
On the other hand, we also caution people against feeling
like every dollar has to be invested.

Speaker 10 (23:05):
That's an important point. If you know you'll need the
money in the near future for a home purchase, taxes,
or another planned expense, it may be appropriate to keep
those funds in cash or other relatively conservative options.

Speaker 3 (23:18):
It's really about matching the investment to the purpose exactly.

Speaker 10 (23:21):
Your timeline matters just as much as the amount of money.

Speaker 9 (23:24):
We also encourage clients to think about taxes. Depending on
the type of account and investment, taxes can affect how
much of your return you ultimately keep.

Speaker 10 (23:31):
And that's one reason financial planning is much more than
simply chasing the highest return. It's about making decisions that
fit together as part of an overall strategy.

Speaker 9 (23:40):
Another thing we remind clients is not to let cash
sit in definitely simply because they're waiting for the perfect
time to invest.

Speaker 10 (23:46):
Yes, waiting for certainty can sometimes mean missing opportunities. While
no one can predict short term market movements, having a
disciplined long term plan is generally more important than trying
to perfectly time the market.

Speaker 9 (23:59):
So if someone listening to and they find themselves with
extra cash, what's the first question they should ask?

Speaker 10 (24:03):
I'd ask what is this money for? And when will
I need it? Once you answer those two questions, the
appropriate strategy usually becomes more clear.

Speaker 9 (24:11):
That's where having a financial plan can really help. Every
dollar should have a purpose.

Speaker 10 (24:15):
Whether it's providing security, reducing debt, growing for the future,
or funding retirement. Your money should be working towards your goals,
not just sitting without a plan.

Speaker 9 (24:23):
Is this always Every financial situation is unique. Investment decisions
should be based on your individual goals, time horizon, and
risk tolerance.

Speaker 3 (24:31):
And investing involves the risk of loss.

Speaker 10 (24:33):
But the key takeaway today is simple. Before asking where
your extra cash should go ask yourself what you want
it to accomplish. The answer to that question will help
guide the right financial decision.

Speaker 3 (24:43):
Well said, that's going to wrap things up for today.

Speaker 9 (24:45):
If you're wondering what's in do with extra cash, or
would like help building a financial plan that puts every
dollar to work with a purpose, give us a call.

Speaker 3 (24:52):
We'd be happy to help. Absolutely.

Speaker 10 (24:54):
Thank you Greg for your time and have a great weekend.

Speaker 4 (24:57):
To get in touch with Greg Murray or Mary Maddling,
Kelly or any member of the Kelly Financial team, call
eight eight eight hundred, eighteen eighty one. Safe Money Strategies
with William Kelly and Kelly Kelly. Call the team on
eight eight eight hundred, eighteen eighty one.

Speaker 5 (25:25):
Welcome back to Safe Money Strategies. I'm Kelly Kelly alongside
my son William Kelly Junior. You know, William. When people
think about retirement, they usually focus on one thing money.
They think about their investment, social Security taxes, and making
sure they'll have enough income to last throughout retirement. Those

(25:49):
are all very important conversations and we have them every
day with our clients. But one of the biggest changes
retirement brings has nothing to do with find finances. It
has to do with relationships. Many people spend thirty or
forty years working alongside the same coworkers. They grab coffee together,

(26:11):
eat lunch together, celebrate birthdays, solve problems, and simply enjoy
those daily conversations. Then retirement arrives in almost overnight, all
those regular interactions disappear. Retirement doesn't just change your schedule,
It changes your social world.

Speaker 3 (26:33):
It really does.

Speaker 2 (26:34):
Most people prepare financially for retirement, but they don't always
prepare socially. The routines we followed for decades naturally create friendships.
We don't necessarily have to plan for them. They just
happen because we're seeing the same people every day. Once
retirement begins, those routines change. Friends move away, some continue working.

(26:55):
Family members have busy schedules of their own. Before long,
someone can find themselves spending much more time alone than
they ever expected. And that's why it's so important to
recognize that retirement isn't simply about replacing a paycheck.

Speaker 3 (27:08):
It's about creating a new rhythm for life.

Speaker 5 (27:10):
That's exactly right. The encouraging part is that understanding this
ahead of time gives you an opportunity to be intentional
about building new relationships before loneliness ever becomes an issue.
Just like we encourage clients to have a retirement income plan,

(27:31):
is also helpful to think about having a retirement lifestyle plan.
Ask yourself some simple questions. Who will I spend time with,
what activities do I enjoy? How will I stay engaged
with my community? Because retirement should be about much more
than simply filling empty hours on the calendar.

Speaker 3 (27:54):
And the research on this is fascinating.

Speaker 2 (27:56):
Study after study continues to show that meaningful friendships contribute
to healthier, happier lives as we age. Strong relationships help
reduce stress, they encourage us to stay active, they keep
us mentally engaged, and perhaps most importantly, they provide encouragement
during life's inevitable ups and downs. Health experts today even

(28:17):
recognize social isolation as an important public health concern because
meaningful relationships play such a significant role in both emotional
and physical well being.

Speaker 5 (28:27):
Think about it this way. If you have a friend
expecting to meet you for coffee, you're much more likely
to get out of the house. If someone invites you
for a morning walk, chances are you'll lace up your
sneakers and go. Maybe your church group is meeting, or
your book club is gathering, or your volunteer organization needs

(28:47):
an extra pair of hands. Those relationships motivate us. They
give us purpose. Sometimes simply knowing someone is counting on
you can make all the.

Speaker 2 (28:58):
Difference, and retirement actually creates opportunities that many people didn't
have while they were working full time. For the first
time in decades, many retirees have flexibility over how they
spend their days. Maybe it's taking a watercolor class, maybe
it's joining a fitness group. Maybe it's volunteering at a
local organization, participating in a church ministry, joining a gardening club,

(29:19):
or learning something completely new. The wonderful thing is that
friendships formed around shared interests often becomes some of the
strongest friendships we ever have because they're built on choice
instead of circumstance.

Speaker 5 (29:32):
I love that you're spending time with people because you
genuinely enjoy the same activities, and I've seen this personally.
Whether it's a fitness class, volunteering, or simply getting involved
in your community, you begin meeting people you probably never
would have crossed paths with during your working years. Some

(29:52):
of the best friendships you'll ever have, maybe people you
haven't even met yet. That's one of the exciting parts
of resis retirement. It can truly become a season of
personal growth.

Speaker 2 (30:05):
And friendships do something else that's incredibly important. They create
a sense of belonging. Leaving the workplace often means leaving
behind a place where people knew your nie, value to
your contributions, and expected to see you every day. Healthy
friendships help repolice that sense of community. They encourage healthy habits,
they celebrate life victories with us, and they help us

(30:25):
through difficult seasons too. Retirement becomes much richer when you
have people with whom to share the journey.

Speaker 5 (30:32):
Absolutely. At Kelly Financial, we often remind clients that retirement
isn't simply about reaching a financial destination. It's about creating
the life you've worked so hard to enjoy. Financial confidence
certainly matters, but so do purpose, good health, lifelong learning,
and meaningful relationships. Those pieces work together because the successful

(30:58):
retirement isn't measured only by what you've accumulated, is also
measured by the life in the relationships you build along
the way. If you'd like to learn more, we'd be
happy to send you a complementary copy of our investor Guide,
Six Secrets to a Happy Retirement. It explores many of

(31:18):
the ingredients that contribute to a fulfilling retirement, including companionship, purpose, health,
and continuing to embrace new experiences.

Speaker 2 (31:29):
And when we come back, we'll discuss practical ways you
can build new friendships, strengthen existing relationships, and create the
kind of social connections that can make retirement healthier, happier,
and even more rewarding.

Speaker 5 (31:41):
Stay with us, We'll be right back.

Speaker 4 (31:46):
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 11 (31:57):
Ready, Well, 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 team work. Likewise,

(32:20):
the retirement 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 and
eighteen eighty one or visit Kellyfinancial dot org for an appointment.

Speaker 3 (32:44):
At Kelly Financial.

Speaker 11 (32:45):
We believe you've got to have the right team and
crew and in retirement, how will you cross the finish line.
We are Kelly Financial Services. Come retire with.

Speaker 4 (32:56):
Us Safe Money Strategies with William Kelly. I'm Kelly Kelly.
Call the team on eight eight hundred, eighteen eighty one.

Speaker 8 (33:06):
Taking care that.

Speaker 5 (33:12):
Welcome back to Safe Money Strategies. I'm Kelly Kelly alongside
my son William. Before the break, we talked about why
friendships become such an important part of a fulfilling retirement.
We discussed how retirement changes our daily routines and why
staying socially connected is every bit as important as staying

(33:36):
financially prepared. Now, let's spend a few minutes talking about
something practical. How do you actually build and maintain those
relationships during retirement, Because just like a successful retirement doesn't
just happen by accident, strong friendships usually don't either.

Speaker 3 (33:56):
That's exactly right.

Speaker 2 (33:57):
One of the biggest mistakes retirees meet is assuming friendships
will simply take care of themselves. Life changes quickly, and
before you know it, months have gone by without reconnecting
with people you truly enjoy. The good news is that
maintaining friendships often doesn't require anything elaborate. Sometimes it's simply
picking up the phone, scheduling lunch, inviting someone for coffee,

(34:19):
or making it a habit to check in once a week.
Small consistent efforts often create the strongest relationships.

Speaker 5 (34:25):
And retirement gives us something many of us haven't had
in decades. Time for the first time in many years.
You can choose how you want to spend your days.
That creates wonderful opportunities to reconnect with old friends or
discover entirely new interest. Maybe is joining a book club,

(34:46):
taking an exercise class, volunteering, becoming more involved at church,
joining a walking group, or trying a new hobby. The
important thing isn't necessarily what you ch choose, is simply
choosing to get involved.

Speaker 2 (35:03):
Shared interests have a way of bringing people together naturally
when everyone already has something in common, conversations tend to
happen more easily, and showing up consistently makes a tremendous difference.
The first visit might feel unfamiliar, the second becomes more comfortable.
By the third or fourth time, people begin recognizing your face,

(35:24):
remembering your name, and inviting you into conversations. Many lifelong
friendships speakin with simply walking through the door that first time.

Speaker 5 (35:32):
That's such a great point. Sometimes people hesitate because they're
waiting to feel comfortable before they participate, but often is
the participation itself that creates the comfort. Retirement is really
an invitation to continue growing. It's a chance to discover
interest you may have set aside during your working years

(35:55):
and meet people who share those same passions, and that
can make retirement a remarkably exciting chapter of life.

Speaker 2 (36:04):
Another tool that can help us stay connected is technology.
Families often live hundreds or even thousands of miles apart. Fortunately,
staying connected has never been easier. Video calls, text messages,
and shared photos help families and lifelong friends stay close,
and many community organizations now offer virtual activities for those
who can't easily get out. Technology will never replace face

(36:26):
to face relationships, but it certainly helps strengthen them between visits.

Speaker 5 (36:31):
And speaking of strengthening relationships, one of the best ways
to meet people is by focusing less on yourself and
more on serving others. Volunteering is one of the greatest
gifts retirement offers. You've spent a lifetime gaining experience, wisdom,
and skills. Now you have an opportunity to share those gifts.

(36:55):
Whether you're mentoring young people, helping at a food pantry
your church, supporting a local charity, or participating in community projects,
something interesting happens. Purpose and friendships often grow together. People
who serve alongside one another frequently develop lasting relationships because

(37:19):
they're united by shared values and a common mission.

Speaker 2 (37:23):
It's amazing how often those friendships become some of the
most meaningful ones. When people work together towards something bigger
than themselves, conversations naturally become deeper, trust develops, encouragement grows,
and before long, you've built a community that supports one
another through all of life seasons. Purpose creates connection, and
connection creates a happier retirement.

Speaker 5 (37:45):
Of course, while making new friends is important, retirement also
gives us an opportunity to strengthen relationships we've had for years.
Think about those people you've lost touch with, maybe an
old coworker, a college roommate, a neighbor you haven't spoken
with in a while. Sometimes all it takes is one

(38:06):
phone call, one lunch invitation, one simple message saying I've
been thinking about you. Friendships don't always disappear. Sometimes they
simply need a little tension to begin growing again.

Speaker 2 (38:21):
Here's something that's worth remembering. You don't need hundreds of
friends to enjoy a fulfilling retirement. Quality is much more
important than quantity. Even a small circle of trusted people
can provide encouragement, laughter, companionship, and support through life challenges.
Those relationships become one of retirement's greatest blessings.

Speaker 5 (38:39):
At Kelly Financial, we spend a great deal of time
helping families prepare financially for retirement, but we also encourage
our clients to think about what kind of life they
want to build once they get there. Financial confidence certainly
provides freedom, but retirement is at its very best when
is filled with perp us, good health, lifelong learning, meaningful experiences,

(39:05):
and people who enrich your life. Those are some of
the themes we explore in our Complementary Investor Guide, Six
Secrets to a Happy Retirement. If you'd like your complementary copy,
simply give us a call at eight eight eight eight
hundred and eighteen eighty one or email Kelly Kellifinancial dot

(39:26):
org and we'll be happy to send one to you.

Speaker 2 (39:29):
Retirement isn't just about having more free time. It's about
building a life filled with meaningful relationships, new experiences, and purpose.
The happiest retirees stay curious, engaged, and connected.

Speaker 5 (39:41):
Thank you so much for spending part of your weekend
with us. We hope you'll join us again next Saturday
morning for another edition of Safe Money Strategies. Until then,
have a wonderful week, Stay healthy, stay connected, and remember
the best retirement is one that's built with purpose and
shared with the people who matter most.

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 Kellyfinancial dot org.

Speaker 7 (40:18):
Welcome back to Safe Money Strategies. I Might do set
alongside Greg Workman. Before the break, we talked about how
retirement is really about having the freedom to enjoy life's moments,
whether that's traveling, spending time with children and grandchildren, or
simply having the flexibility to enjoy your summers without financial stress.
Greg we also mentioned that while summer may be winding down,

(40:40):
another season of expenses is right around the corner.

Speaker 3 (40:43):
That's right, Mike.

Speaker 8 (40:44):
It's almost like people forget that, after all the fun
of summer comes a whole new list of new financial
obligations for many families. Late August and September mean called
tuition payments, room and board books, meal plans, dorm supplies,
moving expenses, and all the costs associated with getting students

(41:04):
back to school. Even if your own children are grown,
many grandparents today are helping with these expenses. That's become
much more common than it was a generation ago.

Speaker 3 (41:16):
It really has.

Speaker 7 (41:17):
We talk with clients all the time who want to
help their children or grandchildren financially, and I think that's admirable.
Most parents and grandparents want to give the next generation
opportunities they may not have had themselves. The important thing
is making sure those gifts don't unintentionally jeopardize your own retirement.
We've all heard the saying that when you're on an airplane,
you should put on your own oxygen mask before helping

(41:39):
someone else. Financial planning isn't much different if helping family
means putting your own retirement security at risk everyone could
end up in a more difficult position down the road.

Speaker 8 (41:49):
Exactly. Let's use a hypothetical example. Imagine a retired couple
who has done a wonderful job saving over the years.
They've built a nice nest egg. They're living comfortably, and
their granddaughter is accepted to her dream college. They want
to help with tuition, so they take a larger withdrawal

(42:11):
from their IRA than they normally would. What they didn't
realize is that the additional withdrawal pushed them into a
higher tax bracket. It also increased their taxable income just
enough to affect what they pay for Medicare premiums the
following tax here. Now, helping their granddaughter wasn't the mistake.

(42:36):
The mistake was not planning for it ahead of time.
With proper planning, there may have been more tax efficient
ways to accomplish the very same goal.

Speaker 7 (42:46):
That's one of the biggest misconceptions people have about retirement planning.
They think it's all about earning the highest possible investment return.
In reality, there are a lot of moving pieces. Taxes,
retirement income, healthcare costs, fired minimum distributions, a state planning,
charitable giving, helping children, and grandchildren. When those pieces work together,

(43:07):
people often find they can accomplish much more than they
originally thought.

Speaker 8 (43:10):
And that's one reason we always start with a written
financial plan before we recommend an investment strategy. We want
to understand the life that someone is trying to build.
Do you want to spend every winter somewhere warm. Would
you like to travel internationally once a year. Are you
hoping to pay for a grandchild's education or at least

(43:34):
help out with that education.

Speaker 3 (43:36):
Would you like to leave.

Speaker 8 (43:37):
An inheritance, If so, to whom and how much? Those
aren't just nice conversations to have. They're essential to building
a plan that reflects your priorities, you.

Speaker 3 (43:49):
Know, Greg.

Speaker 7 (43:50):
Another thing we've noticed is that retirement today looks very
different than it did for our parents and grandparents. Many
retirees are more active than ever. They're taking hiking trains,
they're learning new hobbies, they're volunteering, they're traveling, and many
are taking multi generational vacations where children, grandchildren, and grandparents
all travel together. Those experience create memories that last a lifetime.

Speaker 3 (44:13):
They really do.

Speaker 8 (44:14):
One of the greatest benefits of retirement is having time.
Time is the one resource we can never earn back,
money can grow, investments can recover.

Speaker 3 (44:26):
But time only moves in one direction.

Speaker 8 (44:29):
That's why we encourage people not to postpone the things
that are most important to them. If they've planned appropriately,
if your retirement plan shows you can comfortably take that trip,
visit those grandchildren, or enjoy those experiences, then that's exactly
what your savings were intended to support.

Speaker 7 (44:49):
And that's a great reminder that retirement planning isn't about
saying no to everything. It's actually about giving yourself permission
to say yes with confidence. Yes to the family vacation,
to attending your granddaughter's dance recital halfway across the country,
Yes to creating memories instead of worrying about whether you'll
regret spending the money. That's a much different mindset than

(45:09):
simply hoping everything works out absolutely.

Speaker 8 (45:12):
When people have a written financial plan, they're often surprised
by how much peace of mind it provides. Instead of
constantly asking can we afford this, they already have a
framework for making those decisions. It removes a lot of guesswork,
and that's really what planning is about. It's not about

(45:32):
predicting the future perfectly. It's about preparing for it thoughtfully.

Speaker 7 (45:38):
As we wrap up today's show, we hope you remember
that retirement isn't measured by the size of your investment account.
It's measured by the life your savings allow you to live,
the vacations you take, the grandchildren you visit, the memories
you create, the ability to help your family when it's appropriate,
and the confidence that comes from knowing you've prepared for
both the expected and the unexpected.

Speaker 8 (45:59):
You're not sure whether your current retirement plan is designed
to support those goals.

Speaker 3 (46:04):
We'd love to help.

Speaker 8 (46:06):
Our planning process begins with our complementary Safe Money Strategies workbook.
It's a straightforward workbook that helps organize your financial information,
identify your goals, and begin building a written retirement plan
tailored to your situation. Most people are pleasantly surprised to

(46:26):
learn that only five of the nineteen pages in the
workbook require your input, and two of those pages are
simply listing your monthly expenses. It isn't overwhelming, and it
gives us the information we need to have a meaningful
conversation about your retirement. And if you've already completed a

(46:50):
financial plan but would simply like a second opinion. We're
happy to review it with you.

Speaker 7 (46:56):
To request your complimentary Safe Money Strategies workbook, or schedule
a complimentary retirement planning consultation, give us a call. There's
no cost, no obligation, and no pressure, just an opportunity
to better understand where you stand today and whether you're
on track to enjoy.

Speaker 3 (47:12):
The retirement you've worked so hard to achieve.

Speaker 7 (47:14):
Thanks for spending part of your weekend with us for
Greg Workman, I, Mike do set. We hope you have
a wonderful week, enjoy the rest of your summer, and
we'll see you next time on Safe Money Strategies.

Speaker 2 (47:29):
Hi, everyone, this is William Kelly. Have you ever wished
you'd learned about money sooner? That's why I wrote Only
the Good Investia, a simple, encouraging guide with real world
steps anyone can follow.

Speaker 3 (47:40):
I kept seeing the.

Speaker 2 (47:41):
Same thing people wishing someone had explained to basics earlier
how to save, build good habits, avoid costly mistakes, and
create momentum even.

Speaker 3 (47:50):
When you're starting's fall.

Speaker 2 (47:51):
And while all investing involves risk, including the potential loss
of principle, learning the right habits early can make a
meaningful difference of time whether you're eighteen or eighty. This
book is about confidence, clarity, and taking that first step.

Speaker 3 (48:06):
If you have a child, a grandchild, or someone just.

Speaker 2 (48:09):
Beginning, this is a thoughtful place to start for our listeners.

Speaker 3 (48:13):
We're sending out complimentary copies.

Speaker 2 (48:15):
Just called eight eight eight eight hundred and twenty one
or email Kelly at Kellyfinancial dot org and we'll send
you one.

Speaker 3 (48:22):
You can also find it on Amazon or Kindle.

Speaker 2 (48:24):
I'm William Kelly, and I hope this book helps someone
you love take.

Speaker 3 (48:27):
Their first step.

Speaker 6 (48:28):
Joining us now as she always does at this time.

Speaker 1 (48:33):
She is the.

Speaker 6 (48:34):
Co founder, CEO, and president of Kelly Financial Services, and yes,
that is her wonderful.

Speaker 1 (48:42):
Name, Kelly Kelly Kelly.

Speaker 5 (48:47):
How are you, Good morning, Jeff, I am good. When
you think about retirement, what's the first thing that comes
to mind for most people is money. But one of
the biggest change retirement brings has nothing to do with finances.
It has to do with friendships and relationships. When you

(49:07):
leave the workplace, you often leave behind the daily conversations, routines,
and connections that have been part of your life for years.
That's why staying socially connected is one of the keys
to a Happy retirement. Our investor guide six Secrets to
a Happy Retirement explores the importance of companionship, purpose, lifelong learning,

(49:31):
good health, and staying engaged in life. If you'd like
a complimentary copy, give us a call or email Kelly
at Kellyfinancial dot org. Jeff, have a wonderful weekend. My
best at Grace and the kiddos.

Speaker 6 (49:45):
Thank you, Kelly, all the best to you and everyone
at Kelly Financial. To get a free copy of that guide,
and I urge all of you if you can do
get it call now eight eighty eight eight hundred, eighteen
eighty one, eight eighty eight, one hundred and eighteen eighty one,
or you can actually email Kelly herself personally Kelly at

(50:07):
Kellyfinancial dot org. That's Kelly at Kelly Financial dot org.

Speaker 4 (50:17):
Safe Money Strategies A eight eight hundred one eight eight one.

Speaker 5 (50:25):
It is time once again for the with and wisdom
of Bill Kelly. One of Bill's greatest gifts was finding
extraordinary stories in ordinary moments. This week, he takes us
back to summers on his family's farm. We're helping his
grandfather care for the chickens, led to an unexpected case
of chicken fleas and a memorable two weeks stay at

(50:48):
Grandma's house is a story filled with Bill's signature humor,
part and a reminder of the special bond he shared
with his grandfather. Here's Bill Key with this week's with Wisdom.

Speaker 12 (51:05):
So what was summer like on the farm, ladies and gentlemen. Well,
we had a chicken farm school led out sometime near
the end of June June eighteenth. In a good year,
if we had a lot of snow, then we're in
the June twentieth phase and we'd be in the classroom
wondering when are we going to get out of school?

Speaker 9 (51:24):
Now?

Speaker 12 (51:25):
I adored my teachers. I mean I had a crush
on my fourth grade teacher, Missus Leeb. So the school
was a great experience. You could have a transistor radio,
ladies and gentlemen, for ninety nine cents. Could you believe it?
A dollar ninety nine at Woolworths. And the nine vaute
battery was twenty nine cents. If you got a terrible one,

(51:46):
they were forty nine cents for a real good Ever, Ready,
you take that transistor radio, you plug that ear plug
in and then you would put it onto back. Then
it was radio seven to nine zero that carried the
Red Sox.

Speaker 3 (52:00):
You put it to.

Speaker 12 (52:01):
Seventy nine zero, and then you put some scotch tape
on the little wheel so it wouldn't move. You put
the transistor in your pocket, You run the earplug up
through your sleeve, and then you could sit at your desk.
It would look like you're resting your head on your
elbow and you're writing with your pencil, but you're listening
to the Red Sox. But you had to watch the
teacher's lips because when she pointed to you, you could say,

(52:23):
could you please repeat the question, and then you'd lift
up your head. The earphone would be in your hand
because back then, the Red Sox used to have weekday
games during the day. So that's sort of what life
was like as we moved into summer.

Speaker 10 (52:39):
Now.

Speaker 12 (52:39):
I used to help my grandfather in the mornings with
the chickens. Don't ask me how when I was five
and six years old, because he would be carrying ten
gallon buckets of water in both hands and then he
would feed them. There was over a thousand chickens. But
you know, my job was to help Grant and I
don't know how much help I gave them. But every
morning after we ate practice, we'd walk down to the

(53:01):
chicken coops. So now one day my mother came home,
she worked at the phone company one day, and I
was covered in red blotches. They thought I had the mumps,
so she ran me into doctor Beistoso downtown. Now doctor Beistozo,
believe it or not, he would smoke Paul Mall cigarettes.
She'd come in for your check up and there'd be

(53:22):
doctor Mistozo with a Paul Mall hanging off his lip,
and you have the stethoscope on your chest. He'd be
going breathe, you know, breathe, And here's the guy with
the Paul Mall. So anyway, he's the best doctor on
the face of the planet. Everyone lived in their nineties,
every kind of operation, whatever it took. But I had
to go to doctor Pistozo because I had these red blotches.

(53:46):
So we go in there and talk to him, and
then he says, well, is he anywhere around animals. My
mother said yes, because the doctor said, it looks like
he's being bitten by chicken fleas. And so I didn't
know what a chicken flea was, ladies and gentlemen, but
I knew. I said, oh great, then that's fine, I'm
not sick. Well we find and he said, well, I
don't think he should be around these chicken fleas for

(54:08):
a while. He's got to get better. So they decided
I had to go to my grandmother's house. Can you
believe that? And I'm listening to them talking. They said, well,
why don't you bring him to his grandmother's house in
the city. Ladies and gentlemen right who lived with my
aunt God bless my aunt Pat. And that's what they're discussing.
So I got home that after we went to the doctors,

(54:28):
and that night I hear them talking. They're calling my grandmother,
and my mother's telling my grandfather, well, he's got too
many chicken flea bites. He's got to go to grandma's house.
And I'm thinking, oh no. At my grandmother's house had
all these knickknacks. My grandmother's family was from Florence, Italy.
It was unbelievable. Her house looked like a museum, but
there was nothing you could do in there. My cousins,

(54:49):
the girls could have a great time there. They could
sew things and knit. And so I was going to
be tramped with two women. I was out of school.
I had full rain on that farm. I remember the
next day they came to get me. It was like
going to jail, ladies and gentlemen. So they come up
to get me in this old dodge and we had
a tree outside of my house. Now I had a

(55:10):
hold of that tree. There was one limb I used
to jump on to get up that tree. It was
my first way to get up that tree. So I
had a hold of that. It was like a three
inch branch coming out of there. And they had me
by my feet straight out parallel to the ground, pulling,
you know. They had to get my hands. And I
went over to Grandma's house and I had to stay
there for two weeks, and that was quite an experience

(55:33):
for me back then. But when I got back everything
was fine. But I remember thinking having to leave that farm,
leave my grandfather, and that to me we were buddies.
I didn't like being apart from him. We slept in
the same room. But it was a rough, rough day
of my life when they discovered that I was infested
with chicken fleas and I had to go to stay

(55:56):
at Grandma's house where the most I could do was
to count the knick knacks, and then I had to
each stay had to dust the stairs because her stairs
were perfect. And at night I get to sleep with
my aunt. But I did survive.

Speaker 1 (56:10):
We're the proud host.

Speaker 8 (56:11):
Of Please Javery.

Speaker 4 (56:21):
We're called Kelly Financial Services. Eight eight eight eight hundred
eighteen eighty one.

Speaker 5 (56:26):
I'm Kelly Kelly from Kelly Financial. Whether you're in your sixties,
seventies or eighties, financial advice is important when it comes
to preserving your nest egg. We have a free investor
guide called designing your Fiscal House to Weather the Elements,
which highlights the steps needed to build a balance portfolio.
For the guide, call eight eight eight eight hundred eighteen

(56:48):
eighty one or email Kelly at Kellyfinancial dot org. We're
Kelly Financial. Come retire with us.

Speaker 4 (56:56):
Safe money strategies with William Kelly and Kelly Kelly. Go
to Kelly Financial dot org