Kelly Financial: Saturday, July 12, 2025

Episode Transcript

Speaker 1 (00:12):
This is coming to us.

Speaker 2 (00:21):
Good morning, dear Boston. I'm John Boudris and Kelly Financial.
Safe Money Strategies indeed carries on every Saturday morning right
here on WRKO six point eight on the AM dial
and online from just about anywhere. Well, we have a
lot on the show today, so we're going to get
right to that. We of course will be hearing from

(00:41):
the advisors at Kelly Financial and with us is Kelly Kelly,
the CEO of Kelly Financial Services, and the Beast William
Kelly will be talking with us too later in the show.
So stay with us and we will be back in
a New York minute.

Speaker 3 (01:02):
Safe Money Strategies with John Budrus and Kelly Kelly called
Kelly Financial on eight eight, eight hundred, eighteen eighty one.
We'll go to Kellyfinancial dot org.

Speaker 4 (01:21):
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 part of the show we call Forever Young. It's
where I sit down with my son William Kelly Junior,
and we talk about life, what's going on in the world,

(01:42):
in our family and what really matters most when you're
planning for the future. Sometimes it's light, sometimes it's thoughtful,
but is always real. Good evening, William, how are you.
I'm well, momm and yourself. I'm doing great now, Ladies.

Speaker 5 (01:57):
And gentlemen, Mom and I we've been doing for a
young for a couple of years now, and our Safe
Money Strategy show has been airing.

Speaker 4 (02:04):
On Actually, William, you're not going to believe this, but
I think it's been more like five.

Speaker 6 (02:10):
It's been five years.

Speaker 5 (02:11):
Yes, well, I apologize, ladies and gentlemen, we've been doing
this for five years.

Speaker 4 (02:15):
It's been so much fun.

Speaker 5 (02:17):
It's only felt like to I guess seriously, that's how
it feels.

Speaker 6 (02:21):
It just feels like a couple. Yeah.

Speaker 5 (02:23):
Wow, that's a very fun fact right there. I was
not aware of that. So, ladies and gentlemen, we have
been going on for half a.

Speaker 4 (02:30):
Decade, yes, yes, And our audience, our listeners, have gotten
to know you, William over the years. They've watched you
grow along with me. And each week I never know.

Speaker 6 (02:42):
What we're going to talk about it, truly, we don't.

Speaker 5 (02:44):
It's always spontaneous and it's really just out of the
moment and what happens in our life. So we've been
on AM radio waves for over twenty years and we
are still going and we love every second of it.
My father originally was the spearheader of the show. He
was the figure, and he passed away in twenty seventeen
and we decided we're not going to stop, and we

(03:06):
haven't quit since.

Speaker 7 (03:07):
Then.

Speaker 4 (03:08):
Carry in on, yes, ma'am, we've had a lot going
on this week we have.

Speaker 6 (03:13):
It's truly even busy.

Speaker 4 (03:15):
Yeah, what was your highlight of the week.

Speaker 5 (03:17):
The highlight I would absolutely say was touring Bryant University.

Speaker 6 (03:22):
How did I know you were going to say that,
ladies and gentlemen.

Speaker 5 (03:25):
So a lot of you may not know me, but
I recently just graduated high school. I graduated high school
about a year ago, and instead of going directly to college,
I said, I want to take a gap year, and
so I took the whole gap year and it's coming
to an end soon, and I decided to work. I
just as soon as I graduated, I wanted to work
a job. And then after I worked a job, I
wanted to travel. So I did some traveling. Kind of

(03:46):
knocked that out of the water for about a month,
and then after that I decided I want to work
in a couple of projects. So one project is a
super secret which I can't share, ladies and gentlemen.

Speaker 6 (03:56):
Soon it will be shared.

Speaker 5 (03:57):
Soon, very soon, and I think eighteen to twenty eight
you're going to love it. So if you have grandchildren
or children in that age group and even a little older,
it doesn't matter. This I built it for them, and
that's all that matters. And I also decided to start
a company, and so I've been focused on that and
I've been very fortunate to have such a successful and
productive gap year, and I was able to go have

(04:20):
my first powerlifting meet ever, which I had trained for
for months, and I became a state champion, which was
truly an honor, and a junior class champion. It was
such a wonderful time and it was a wonderful family day.
I mean, this whole gap year was a wonderful decision. So,
ladies and gentlemen, I will say, if you have children

(04:41):
or grandchildren and they're a little bit unclear about what
they want to do, or maybe they're a little burnt out,
or maybe they want to explore a little bit, or
maybe they want to work. A little bit a year
never hurt anybody. And my cousin, she's a professor at
Universe see A, Rhode Island, and for those who know

(05:02):
you Uri, it's a great school. And she was telling
me that some of the best students she had, some
of the most well rounded, confident, calm and sure of
themselves students she had were the ones who took gap years.
And I've only heard good things about gap years, and honestly,
this gap year was only a good thing, and I
learned a lot. So just to some all of that up,

(05:25):
ladies and gentlemen, That's what I've been doing. And now
I am applying for college and Bryant University stood out
to me. It stood out to me like no other,
no other college like Mom. You can you attest to
the fact that I've never been interested in any other
college until I saw Brian.

Speaker 4 (05:42):
Yes, yes, I found the voicemail that you sent me
a few weeks ago, and you had had a lunch
meeting with a family friend of ours who is also
I would say, a mentor for you, And in this
voicemail you were so excited, Mom, there's a college, a

(06:04):
university that I am interested in and is Bryant, and
I would like to tour at this place and go
from there. And I think our friend was correct.

Speaker 5 (06:18):
He was absolutely right. He was absolutely right. He said,
I think it would be a good fit for you,
William and our family friend. He has very close ties
to the school as well, so he knew it very
very well. Closely related with Fidelity. Believe it or not,
Fidelity donated an entire building and fun fact about us,
ladies and gentlemen. Fidelity is the custodian that we use.

(06:40):
So we work with Fidelity if you come and bring
your money over to our firm, and that's the investment banker.
So that's just awesome that we get to stay like
if they accept me and I get to be close
with a company that we're very familiar with.

Speaker 6 (06:56):
And so it's very career focused.

Speaker 5 (07:00):
And I just remember the second I heard about it,
our family friend, he said, you should give him a call,
and so I gave him a call, scheduled an appointment.
They were so friendly, so helpful, and we went at
the end of the month. It was amazing, a beautiful campus.
My kind of school, very career focused, really career focused,
like ninety percent of the kids get internship level career focused.

Speaker 6 (07:24):
It is top one.

Speaker 5 (07:25):
Percent I think in the nation, or maybe in the
I don't want to say in the world, but I'll
say in the nation to be safe. It's the top
one percent return on investment college, which that's a really
impressive statistic. They are serious about business, they're serious about entrepreneurialship.
They're serious about finance and investments. So if you want

(07:45):
to be an investment banker and accountant, a financial advisor,
or you just want to take a business course or
you get your business degree. They even have a condensed
master's program so you can get your MBA in the
span of four years. All you have to do is
just ad course load. So what you do is you
take six courses per semester and then you take two
courses in the summer, and then by the time you

(08:07):
graduate in four years, you have your masters.

Speaker 6 (08:09):
Like that is a really cool program. That is that
is a great option. Honestly, it's very impressive.

Speaker 5 (08:15):
And on top of that, it's a D one school,
so they have great basketball as they're a big sport football.
They have a football team that they're proud of, and
they have all sorts of sports. There Unfortunately, ladies and gentlemen,
they don't have wrestling. And if you know me, I
loved wrestling. I was a varsity wrestler in high school.
It was a life changing sport for me. But I'm

(08:37):
shocked they didn't have it there. Not that I would
wrestle d one, that would be crazy, that would true intense.

Speaker 4 (08:43):
But I'm sure they have intermural or like club sports. Well,
you know, it's interesting when I think about all of this.
When your sister was graduating and the first college, well,
I would say the one and only college that we
toured was Providence College, and your sister knew immediately that

(09:03):
was the school. So that was the school we applied to,
no other and fortunately she got in. So you know,
similar to you, you know, you have singled out the
school you're interested in, and we'll see what happens.

Speaker 6 (09:20):
We will, and I'm going to work very hard and
I'm going to try my best.

Speaker 5 (09:24):
I want to I want to provide a lot of
value to Briant University and I want them to be
happy to have me as a student. That's my goal
because it's a really good school and I feel like
I have a lot to offer them and I feel like.

Speaker 6 (09:37):
They have a lot to offer their students.

Speaker 4 (09:38):
Agreed, I don't. You would not have been ready a
year ago, No, absolutely not, Ladies and gentlemen. You needed
this time to accomplish a few goals that you had
and to get that mindset I think.

Speaker 6 (09:52):
Agreed. I completely agree with you.

Speaker 4 (09:53):
So I think those of you who have children or
grandchildren and you have these feelings, don't be.

Speaker 5 (10:01):
Afraid to break the status quo exactly because like in
the grand scheme of things, what's one year in your
really young life, at your age.

Speaker 6 (10:09):
It can make a difference in the long run, Yes
it can.

Speaker 5 (10:12):
And then why do you have to follow the normal
path because everybody else was doing it? It was a
lot different back then, like when Marie Madeline was going
to college because gap years and stuff were kind of
frowned upon.

Speaker 1 (10:23):
You know.

Speaker 5 (10:24):
Now, I would say they're surging a popularity a little
bit more, but they're not popular because if you think
about it, it's like Murray Madeline and I both went to.

Speaker 6 (10:31):
A preparatory school.

Speaker 5 (10:33):
It's like extremely rigorous academics and they are preparing you
to go to a really good college such as like
an Ivy League for example, and so they give you
that classical education and that rigorous coursework, and it's kind
of an expectation.

Speaker 6 (10:48):
You just PLoP on over the college.

Speaker 5 (10:50):
And I remember all of these people stressing out, like
I've never seen somebody so stressed out for going to college.
And they would do no disrespect to any of them,
but they would do any thing.

Speaker 4 (11:00):
Well.

Speaker 6 (11:00):
It was the same with Mary Madaline.

Speaker 4 (11:02):
Yes, you know, people were stressing out, and your father
and I were pleased in a sense that, you know,
although we were a little nervous about putting all our
eggs in one basket.

Speaker 6 (11:14):
Yeah, but she just knew where she wanted to go.

Speaker 5 (11:17):
PC was a great fit for her, it really was.
She loved it, and the type of people that go
to PC for amazing. Her degree was in finance, and
you know, if you know my sister, which did you
hear her on this show as well, she's a very
intelligent woman. It was it's a very tough school. PC
is not easy. She did very well there and it
was the right fit for Mary Madaline. She became a

(11:38):
confirmed Catholic there. Honestly, she did awesome And as a
little kid I looked up to that. I definitely looked
up to that, going to the dorm, seeing her friends.
She had a really good social life, so she kind
of paved the way for the type of college I
wanted to go to. But I don't want to necessarily
go to a place this is orthodox's PC. I want
to go somewhere that's a little unorthodox and that cares

(11:59):
more about care. And that's why Bryant piqued my interests,
because they they care about the tangible stuff and that
I have a lot of respect for a school like that.
So I'll see if I get any scholarships, I'll see
what is required of me.

Speaker 4 (12:15):
We'll we'll see what happened.

Speaker 5 (12:17):
I'm going to apply very soon, and the earliest I
can apply, I will. The earliest I can make a decision.
With early decision, I will. And it's all eggs in
one basket, Ladies and gentlemen. We're doing the same thing
with Verry Madeline. So that's a little bit about my
college process. I hope everybody had a wonderful Fourth of July.

Speaker 4 (12:37):
Do keep us on your dial. We have a lot
of great information coming your way. Mike do Set and
Greg Workman will break down smart beneficiary strategies and some
summer money tips. Mary Madline Kelly and Greg Murray are
tackling a question many families face. Should you help your

(12:57):
adult children financially or is it time to set some boundaries?
And I'll be back with William in a bit and
we will dive into how to build a retirement nest egg,
especially if you are getting a late start. And of
course we have some wit and wisdom from the late
Bill Kelly at the end of the hour. His wisdom

(13:20):
never grows old. And that's a wrap for forever. Young.
Thank you for listening, and William, thank you for joining me.
I love you, honey, I love you too, and as
do I.

Speaker 3 (13:39):
Safe Money Strategies brought to you by Kelly Financial Services.
Call eight eight eight hundred eighteen eighty one before go
to Kelly Financial dot org.

Speaker 6 (13:51):
Come retire with us.

Speaker 8 (13:53):
Okay, my friends, So let me guess you've spent forty
years working hard and now uncle Sam wants seconds from
your retirement plate.

Speaker 1 (14:02):
Yeah no thanks.

Speaker 8 (14:04):
If you're retired or getting close and you want to
avoid losing your savings to taxes, inflation or bad government policy,
listen up. Kelly Financial Services gets it. Their advisors know
what retirees actually care about, and they've got something you'll want.
A free investor guide called Retire your Fear Plan Your Future,

(14:26):
written by CEO Kelly Kelly. It's packed with practical strategies
on taxes, iras four oh one, pays, a state, planning,
and more, all in plain English. So whether you're behind
on planning, thinking about moving to a tax friendly state,
or you just want to protect what you've worked for,
Retire your Fear Plan Your Future will help you get

(14:50):
serious without the jargon. So to get your free copy,
call Kelly Financial eight eighty eight eight hundred eighteen eighty
one eight eighty eight eight hundred eighteen eighty one or
email Kelly at Kellyfinancial dot org Kelly at Kellyfinancial dot org.

Speaker 1 (15:10):
Good morning and welcome to Safe Money Strategies. I'm like
du Set, chief operating Officer at Kelly Financial, and.

Speaker 9 (15:16):
I'm Greg Workman, investment advisor here at Kelly Financial.

Speaker 1 (15:20):
Thanks for joining us this Saturday morning. As always, we're
here to help you make smarter, safer decisions about your retirement.
Every week we bring your strategies to help you protect
your nest egg, lower your tax burden, and give you
more confidence in your financial future.

Speaker 9 (15:34):
And today we're tackling a topic that doesn't always get
enough attention, but it absolutely should, and that's how to
choose the right beneficiary for your retirement accounts.

Speaker 1 (15:45):
This goes far beyond just writing a name down when
you open your IRA a four oh one K. Getting
it wrong or ignoring it can cause unnecessary taxes, delays,
or even send your money somewhere you never intended it
to go.

Speaker 9 (16:00):
Let's start with one of the most common misconceptions that
we hear. People assume that naming a beneficiary for their
retirement account is like naming one for life insurance policy.

Speaker 1 (16:11):
Right, and it's not. Life insurance proceeds are usually income
tax free to your beneficiaries. But with traditional four oh
one ks and iras, you have beneficiaries will likely owe
ordinary income tax on every dollar day withdraw That's a
big deal.

Speaker 9 (16:28):
Let's say you leave one hundred thousand in a four
to one K to your daughter.

Speaker 1 (16:32):
That money is not coming to her tax free.

Speaker 9 (16:35):
Depending upon her tax bracket, she could end up with
seventy thousand or even less.

Speaker 1 (16:41):
Now compare that to someone who inherits one hundred thousand
in a checking account or a brokerage account Those funds
generally pass without income tax.

Speaker 9 (16:51):
And maroth iras, while those pass income tax free if
the rules are followed, which is another reason to play carefully.

Speaker 1 (17:00):
Here's another situation we see a lot. A parent wants
to split their state equally between two children. One gets cash,
the other gets a traditional IRA. Seems fair, right, but
it's not. Once taxes are factored in. That IRA inheritance
is taxable, the child who receives it may end up

(17:21):
with far less after taxes than the sibling who received
the cash. That's why we tell our clients when it
comes to retirement accounts, it's not about equal, it's about
equitable exactly.

Speaker 9 (17:32):
You have to think about what your airs will actually receive,
not just what it says on the paperwork.

Speaker 1 (17:38):
Let's talk about the mechanics for a minute.

Speaker 9 (17:41):
When you set up an IRA or a four on
one K, you fill in a beneficiary designation form. But
here's the kicker. That form overrides your will. We can't
stress that enough.

Speaker 1 (17:51):
Your will may say one thing, but if your IRA
form still lists your expouse or an outdated beneficiary, that's
who gets.

Speaker 6 (18:00):
It's the money.

Speaker 9 (18:00):
The takeaway review your beneficiary forms at least every two
or three years, or anytime there's a major life.

Speaker 1 (18:08):
Change, absolutely, marriage, divorce, and birth of a grandchild, death
in the family. Any of these are a reason to
update your designations now, Greg, Another common oversight is not
naming contingent beneficiaries exactly.

Speaker 9 (18:22):
Your primary beneficiary is your first choice, but if they
pass away before you or disclaim the inheritance, you need
a contingent or secondary beneficiary in place, because.

Speaker 1 (18:35):
If no one's named, the account could end up in
your state by default, and that can trigger probate, extra taxes,
and legal delays.

Speaker 9 (18:43):
So I always name those backups. It's a simple plan
that makes a big difference. Now let's talk about the
Secure Act, which changed the rules for inherited retirement accounts.

Speaker 1 (18:55):
Before twenty twenty, a non spouse beneficiary could stretch out
distributions over their lifetime. That meant more time for the
account to grow and lower annual taxes.

Speaker 9 (19:07):
But now most non spouse beneficiaries must withdraw all the
funds within ten years.

Speaker 1 (19:13):
There are a few exceptions minor children, chronically ill beneficiaries
in those less than ten years younger than the account owner,
but for most adult children that stretch ira strategy is gone,
and a ten year.

Speaker 9 (19:27):
Window could mean a hefty tax bill, especially if your
kids are inheriting during their peak earning years.

Speaker 1 (19:35):
Let's shift gears to spouses because they get some important advantages.
That's right.

Speaker 9 (19:40):
A surviving spouse can roll your IRA or four to
one K into their own, delay require distributions, and sometimes
reduce taxes while they're still alive.

Speaker 1 (19:51):
Also, if your spouse is more than ten years younger
than you, naming them can reduce your required minimum distributions
while you are a live which can't help your savings
grow longer.

Speaker 9 (20:02):
But here's a twist. If everything goes to your spouse
and their estate ends up over the estate tax exemption,
it could trigger taxes later when they pass.

Speaker 1 (20:13):
Which is why planning with both income tax and a
state tax in mind is key. Mike, what about naming.

Speaker 9 (20:19):
A trust as a retirement account beneficiary?

Speaker 1 (20:22):
It can work, especially if you're beneficiaries are minors or
have special needs, but you have to be very careful.
Trusts are subject to complicated tax rules, and if you
don't structure it correctly, the trust could be forced to
take distributions quickly and pay higher taxes.

Speaker 9 (20:39):
So bottom line work with a professional before naming a
trust as your beneficiary.

Speaker 6 (20:45):
Same with charities.

Speaker 1 (20:46):
They're great options for retirement account gifts because they don't
pay income tax, but if you name a charity along
with other beneficiaries, it could reduce the deferral options for
your heirs. Again, structure matters. Before we take a break,
let's wrap up with a quick recap of our conversation. First,
review and update your beneficiary forms regularly. Understand the tax

(21:08):
impact of what you're leaving behind.

Speaker 9 (21:10):
Always name both primary beneficiaries and contingent beneficiaries. Don't leave
your retirement accounts to your estate by accident, and get
advice before naming a trust or mixing charitable and personal beneficiaries.

Speaker 1 (21:25):
If you are not sure whether your beneficiary plan is solid,
or if you haven't looked at it in a while,
now is the time call our office or visit us
online to schedule YAW complimentary no obligation consultation. Stay tuned
because when Greg and I return, we'll discuss ways to
help get your money back on track this summer.

Speaker 3 (21:45):
Kelly Financial Services, eight hundred eighteen eighty one.

Speaker 1 (21:51):
I believe that this nation should commit it so to
achieving the goal of landing a man on the Moon.

Speaker 6 (21:57):
And returning him safely to the Earth.

Speaker 7 (22:00):
Section five four three two one zero All engine run.

Speaker 6 (22:08):
What's what's to follow up?

Speaker 2 (22:11):
Remember those Apollo Moon missions one of America's greatest adventures
and achievements too. The nation set a goal and then
realized it. What are your goals? At Kelly Financial Services,
We've got the right team and technology to help launch
your retirement planning. Let us help you set and reach

(22:31):
your goals for your greatest adventure and achievement and call
us at eight eight eight eight hundred and eighteen eighty
one or visit us at Kellyfinancial dot org. Where do
you want to land? We're cut Tangualitybavior be landed. We
are Kelly Financial Services.

Speaker 3 (22:48):
Come retire with us The Money Wrap with Kelly Financial
Advisors Greg Murray and Mary Madeline Kelly.

Speaker 6 (22:58):
Good morning.

Speaker 10 (22:58):
This is Greg Murray, President and Chief Compliance Officer at
Kelly Financial Services. Joining me today is Mary Madeline Kelly,
one of our wealth advisors. How are you doing today?

Speaker 11 (23:07):
Good morning, Greg, I am doing well. Thank you for asking.

Speaker 12 (23:11):
Last week we celebrated Independence Day and enjoyed a full weekend,
a beautiful weather that alone feels like a victory.

Speaker 6 (23:17):
In New England, it sure does.

Speaker 10 (23:19):
I read that we had a streak of thirteen straight
weekends with rain here in Boston, breaking the old record
of twelve from back in nineteen forty three and nineteen seventy.
We absolutely earned a sunny holiday weekend.

Speaker 11 (23:29):
We truly did.

Speaker 12 (23:30):
I imagine a lot of our listeners are relaxing after
a long day, maybe finally opening their mail, paying bills,
or checking in on their kids. And that's perfect because
today's topic is one that touches almost every family in
some way.

Speaker 10 (23:43):
Absolutely, Today we're asking should you help your adult children
financially or is it time to set some boundaries. It's
a conversation we have with clients all the time, whether
they're nearing retirement or already there. And it's not always
an easy one.

Speaker 11 (23:56):
No, it's not.

Speaker 12 (23:56):
And for a lot of parents there's a sense of
pride and love and help their children. Maybe they're covering
rent for a child in grad school, helping with a wedding,
or offering support during a job transition. But sometimes that
generosity turns into a pattern and it starts to impact
the parent's own financial future.

Speaker 6 (24:12):
Exactly.

Speaker 10 (24:13):
We'd like to ask one critical question upfront, can you
afford to help without jeopardizing your own retirement, Because if
supporting your child means you need to delay retirement, downsize sooner,
or reduce your own lifestyle, that can create serious strain,
and not just financially.

Speaker 12 (24:27):
It can take an emotional toll too. We've seen cases
where parents feel resentful, even guilty, and it starts to
affect their relationships with their children and the irony. Most
adult kids would be horrified to know that their parents
were sacrificing their own stability to help them out.

Speaker 10 (24:42):
That's why clarity and boundaries are so important. Helping isn't bad,
but helping without limits that's where things go sideways. Let's
talk about a few common scenarios. We see a parent
who gives large amounts for a down payment, but then
realize they've underfunded their retirement accounts. A retired couple covering
ongoing living expenses for a child who's working part time
with no timeline for independence, parents taking out loans or

(25:03):
co signing debt, not fully understanding the risk of their
own credit or retirement income.

Speaker 12 (25:07):
And to be fair, some support can be strategic. Helping
a responsible adult child buy a home in a tough
housing market, or providing temporary support during a layoff. That's
not enabling. That is investing in your family, but it
has to be structured.

Speaker 6 (25:22):
That's the key structure.

Speaker 10 (25:24):
We recommend parents to find the support Clearly is this
a gift, a loan or an investment?

Speaker 6 (25:29):
What's the timeline or condition?

Speaker 10 (25:31):
Are both parties on the same page.

Speaker 12 (25:33):
And for those who want to help regularly, we suggest
building it into the budget literally, just like travel, healthcare
or giving to charity.

Speaker 11 (25:41):
Call it a family support fund.

Speaker 12 (25:42):
That way, you help in a controlled, sustainable way without
risking your financial goals.

Speaker 10 (25:46):
Let's also talk about financial enablement. Sometimes support delays of
child's growth. Struggling a bit in your twenties or thirties
isn't a bad thing. It teaches budgeting, problem solving resilience.
If you're always bailing them out, they never learn to
stand on their own, so true.

Speaker 11 (26:01):
One alternative we love give support in the form of
financial education.

Speaker 12 (26:05):
Offer to sit down and help them build a budget,
match their savings contributions, even give them a few sessions
with a financial planner.

Speaker 11 (26:13):
That way, you're empowering them, not just handing over money.

Speaker 10 (26:15):
I want to pause here and say, none of this
is about judgment. Every family has a different dynamic, and
some people truly value the emotional side of giving. But
if you're lying awake at night worrying whether you'll outlive
your money, that's a red flag.

Speaker 12 (26:29):
So here's a quick checklist for anyone listening who's navigating
this question. Can I afford it long term? Is this
helping my child move forward or keeping them dependent? Do
we have clear communication around expectations.

Speaker 11 (26:40):
Am I giving from a place of confidence or out
of guilt or pressure? Have I created boundaries that support
both of us?

Speaker 10 (26:46):
And I'll add one more, have you planned for fairness?
If you have multiple kids and are helping one more
than the others, how are you handling that in your
estate planner conversations?

Speaker 11 (26:55):
That's a great point.

Speaker 12 (26:56):
Unequal support can create tension, especially if it's not acknowledged.
Open communication now avoids confusion later.

Speaker 10 (27:03):
At the end of the day, helping your adult kids
financially can be an act of love, but doing it
thoughtfully is what makes it sustainable. You deserve a secure
retirement just as much as they deserve a fresh start.

Speaker 11 (27:12):
Well said Greg.

Speaker 12 (27:14):
And if you're unsure whether you can afford to help
or how to do it responsibly. We're always here to
run the numbers and help you find that balance. Well,
I think that wraps things up. I look forward to
our discussion next week.

Speaker 6 (27:25):
Me too, Have a great rest of your weekend me too.

Speaker 3 (27:28):
To get in touch with Greg Murray or Mary, Madeline Kelly,
or any member of the Kelly Financial team, call A
eight eight hundred eighteen eighty one.

Speaker 2 (27:41):
I'm John Boudris, and welcome to a new edition of
Kelly Financials. What would Bill say? The wit and wisdom
of the late Bill Kelly. Today we'll address fact from
the fiction.

Speaker 13 (27:52):
You can always make money if you have it, if
you lose it all, it's very difficult to do that.
So you have to have a plan. If the market
goes up quite a bit or down quite a bit,
you have to be ready. And how do you sort
fact from fiction?

Speaker 2 (28:06):
Download Kelly Financial's Consumer Guide simply called the Value of
an Objective opinion. With so much ed steak with your
retirement future, you don't just want any financial advice, but
objective financial advice, and as a fiduciary, Kelly Financial puts
your interests above all else. Go to Kellyfinancial dot Org

(28:28):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.

Speaker 6 (28:33):
Ladies and gentlemen, sort fact from fiction.

Speaker 2 (28:35):
We are Kelly Financial Services.

Speaker 6 (28:37):
Come retire with.

Speaker 3 (28:38):
Us Safe Money Strategies with John Fodris and Kelly Kelly.
Call the team on eight eight eight hundred eighteen eighty
one again.

Speaker 1 (28:49):
Care.

Speaker 6 (28:55):
And we're back.

Speaker 5 (28:56):
Hi everyone, I'm William Kelly Junior, and you're listening to
Safe Money Strategies. I'm here this morning with someone I
know pretty well, my mom, Kelly Kelly, CEO of Kelly Financial.

Speaker 6 (29:06):
Hi, Mom, how are you?

Speaker 4 (29:08):
I'm great, William, and I'm especially excited to be here
with you on this fine Saturday morning.

Speaker 6 (29:14):
Me too, Mom.

Speaker 5 (29:15):
We're starting with something a lot of folks think about,
but sometimes it's late. We're talking about how to build
a retirement nest ex even if you're getting a late start. So, Mom,
let's say someone's in their forties, fifties, maybe even sixties,
and they're just now getting serious about retirement.

Speaker 6 (29:30):
What should they do first? Don't panic.

Speaker 4 (29:34):
It is never too late to start, and there are
real steps people can take to make up for lost time.
Catch up contributions, smarter budgeting even extending their work life
a bit. It all helps build momentum.

Speaker 6 (29:50):
Okay, but let's be honest.

Speaker 5 (29:51):
A lot of people hit their fifties and realize they
haven't saved nearly enough. What's the very first step.

Speaker 4 (29:56):
Start with the mindset, stop dwelling on what you have
not done, and start focusing on what you can do.

Speaker 6 (30:04):
Get a written plan, get serious, then stick to it.

Speaker 5 (30:08):
Okay, and what if someone feels embarrassed like I should
have started this twenty years ago.

Speaker 4 (30:12):
It can happen. But here's the truth. Regret doesn't grow
your savings. Action does, and even small steps can make
a big difference.

Speaker 6 (30:22):
Let's talk about budgeting. That's where it gets real. Absolutely,
you can't save what you don't track.

Speaker 4 (30:29):
Take a look at where every dollar goes, cut what
isn't aligned with your goals, and reallocate that money to savings.

Speaker 6 (30:38):
So it's not too late for a comfortable retirement. Not necessarily.

Speaker 4 (30:42):
You may need to adjust your expectations or delay retirement
a bit, but comfort and peace of mind are still
within reach if you're strategic.

Speaker 6 (30:52):
Let's break down catch up contributions.

Speaker 7 (30:54):
What are they?

Speaker 4 (30:55):
Once you hit age fifty the irs lets you put
more into your retirement accounts in twenty twenty five. That's
an extra seven five hundred dollars for four to ho
one ks and an extra one thousand dollars for iras.

Speaker 6 (31:12):
That's a big help. So how should someone take advantage?

Speaker 4 (31:15):
Automate contributions right through payroll and when you get a
raisor bonus, don't spend it. Increase your retirement savings instead.

Speaker 6 (31:25):
What about working longer? Does that really help?

Speaker 7 (31:27):
It does?

Speaker 4 (31:28):
Even two to five extra years can mean more savings,
a delay in withdrawals, and higher Social Security benefits.

Speaker 6 (31:37):
But full time work isn't the only option right.

Speaker 4 (31:40):
Right, Even part time work buys you time, you're not
dipping into your savings, and that makes a difference.

Speaker 5 (31:47):
We've talked about automating savings on past shows. Why is
that so powerful because it.

Speaker 4 (31:52):
Takes WheelPower out of the equation. If money goes straight
into your retirement account before you even see it's how
you build discipline.

Speaker 6 (32:02):
But what if money's already tight, then.

Speaker 4 (32:04):
It's time to trim the extras, cancel subscriptions you don't use,
cut back on takeout. Look at every leak in the budget.
You'd be amazed at how much can be redirected into savings.

Speaker 6 (32:17):
So even two hundred a month can really add up.

Speaker 4 (32:19):
Yes, over ten years with compounding, that can turn into
tens of thousands of dollars.

Speaker 6 (32:25):
What's a conservative way to start?

Speaker 4 (32:27):
Start with just five percent of your next paycheck, then
bump it up every year or whenever you get a raise.

Speaker 6 (32:35):
Okay, let's talk about hidden savings.

Speaker 7 (32:37):
What are they?

Speaker 6 (32:38):
That's money you're not seeing.

Speaker 4 (32:40):
Maybe it's an unused vehicle you can sell, a hobby
that could bring in a side income, or even reallocating
underused assets.

Speaker 6 (32:51):
Sounds like a total budget reset.

Speaker 4 (32:53):
It is, and there are tools app spreadsheets, or a
financial advisor to help you see the big picture and
spot opportunities.

Speaker 6 (33:03):
What expenses surprise people?

Speaker 4 (33:05):
Most auto renewals, pricey cable packages, and frequent takeout. They
add up fast, but we often don't notice. So when
people find extra cash, what should they do?

Speaker 6 (33:15):
First?

Speaker 4 (33:16):
Pay down high interest debt, then start building retirement savings
and an emergency fund.

Speaker 5 (33:23):
For someone who feels behind. How does a financial advisor
really help?

Speaker 6 (33:27):
We offer clarity.

Speaker 4 (33:28):
We look at the full financial picture, income, debt, savings
and create a custom plan that works for where they are.

Speaker 6 (33:37):
Right now and what If someone doesn't have a lot
of income, we help with that too.

Speaker 4 (33:41):
As fiduciaries, we focus on getting the most out of
every dollar, helping people avoid mistakes and stick to a
smart plan.

Speaker 6 (33:50):
That's encouraging. It's good to know that even if you're behind,
you don't have to go it alone.

Speaker 4 (33:55):
That's right. You just need to take the first step,
and we're here to help with the rest.

Speaker 6 (34:00):
Do we have a resource for folks who want to
learn more? We sure do.

Speaker 4 (34:03):
Our free guide designing your Physical House to Weather the
Elements is a step by step blueprint for retirement planning,
just like an architects plan for a strong home.

Speaker 5 (34:15):
God sounds like a great place to start. Even if
you're trying to catch up, this guy could really help
clear things up.

Speaker 4 (34:21):
To get your free copy and book a complementary appointment
with one of our advisors, just call eight eight eight
eight hundred eighteen eighty one or email Kelly at Kellyfinancial
dot org.

Speaker 6 (34:35):
That's all the time we have for now. Thanks for
joining me, William Kelly Jr.

Speaker 5 (34:38):
When we come back, we'll dive into even more smart
moves like when to take Social Security, how to handle debt,
and ways to build a solid plan even late in
the game. You're listening to safe money strategies right here
on WRKO and streaming on the iHeart app. Stick around.

Speaker 6 (34:54):
There's more ahead.

Speaker 3 (34:57):
Safe money strategies brought to you. Buy Kelly Financial Services.
Call eight at eight eight hundred eighteen eighty one or
visit Kelly Financial dot org.

Speaker 2 (35:08):
Ready to enjoy your golden years without worry. At Kelly Financial,
we know retirement planning can be overwhelming. With more than
twenty one 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, call eight eight eight eight hundred eighteen

(35:31):
eighty one or email Kelly at Kelly Financial dot org.
We're Kelly Financial. Come retire with.

Speaker 3 (35:37):
Us safe money strategy with John Fodris and Kelly Kelly.
Call the team on at A eight eight hundred eighteen
eighty one in care.

Speaker 6 (35:52):
And We're back.

Speaker 5 (35:53):
I'm William Kelly Junior, and you're listening to safe money
strategies right here on WRKO. Thanks for sticking with us
this Saturday morning, and yes I'm still here with someone
you probably already love. Hearing from my mom. Kelly Kelly,
CEO of Kelly Financial Services. We're keeping the conversation going
this morning.

Speaker 4 (36:09):
We sure are william into everyone joining us.

Speaker 6 (36:13):
Welcome.

Speaker 4 (36:13):
I'm Kelly Kelly, and it is such a pleasure to
be a part of your Saturday morning. At Kelly Financial Services.
We're a family owned firm that's been helping people get
serious about retirement for more than twenty years.

Speaker 5 (36:29):
We're talking about something that comes up a lot, what
to do if you feel like you've got a late
start saving for retirement. Maybe life got in the way,
or you were focused on family or didn't know where
to begin.

Speaker 4 (36:39):
It's never too late to turn things around, exactly. There's
no shame in starting late. What matters is getting started
now and making smart strategic moves that count.

Speaker 6 (36:51):
So let's pick up where we left off.

Speaker 5 (36:53):
One of the most powerful tools for late savers is
delaying Social Security right.

Speaker 4 (36:57):
Yes, it is something we talk about in our office.
If you can wait beyond full retirement age, your monthly
benefit grows every year you delay up to age seventy,
you can get roughly an eight percent increase annually.

Speaker 6 (37:12):
That really adds up.

Speaker 5 (37:14):
Let's say someone's full benefits two thousand a month at
age sixty seven. If they wait till they're seventy, what
might they be looking at?

Speaker 4 (37:21):
That same benefit could rise to about two four hundred
and eighty dollars a month. That's a twenty four percent
permanent increase for life. Wow, that's like giving yourself a
raise with no market risk exactly. And for folks who
are behind on their savings, this is one way to
make their retirement income stretch further.

Speaker 6 (37:41):
But let's be real. What if someone needs the income earlier.
There are definitely ways to plan around that.

Speaker 4 (37:48):
Maybe they work part time a little bit longer, or
use other savings for a few years to give their
social Security time to grow. It's about looking at the
big picture.

Speaker 6 (37:59):
So the tigaway is it's not about delaying just because
someone told you to. It's about having a strategy right.

Speaker 4 (38:06):
Every retirement plan is unique. What works for one person
might not fit the next. But in many cases, waiting
to file can be a really powerful move.

Speaker 6 (38:17):
Let's shift gears.

Speaker 5 (38:19):
I know you often say people have more assets than
they realize, but a lot of them aren't using those
assets to generate income.

Speaker 4 (38:25):
So true, it could be a second vehicle they don't
use a family heirloom, this collecting dust, or even an
inherited piece of land. Those things have value and for
people catching up, converting unused assets into retirement capital can
make a real difference.

Speaker 5 (38:45):
So you're saying, don't let things just sit. Make an
inventory exactly.

Speaker 4 (38:48):
Walk through your house, your storage unit, ask yourself, do
I need this? Could this be sold, rented or invested?
Even downsizing to a smaller home or renting out a
room can create extra cash flow.

Speaker 5 (39:04):
That's one of those creative strategies that people often overlook, yes, and.

Speaker 4 (39:08):
Is especially important when you're in your fifties or sixties
and looking to make up for lost time.

Speaker 6 (39:15):
Let's talk about another big one. Debt. It's a retirement killer, right.

Speaker 4 (39:20):
Absolutely, especially high interest debt like credit cards. It eats
up your monthly budget and it makes it harder to save.
Getting that under control is one of the fastest ways
to free up cash for investing.

Speaker 6 (39:35):
Is there a smart method to paying it off? There
are a few.

Speaker 4 (39:39):
The snowball method, where you pay off the smallest balances
first to build momentum, or the avalanche method where you
tackle the highest interest rates first. Either way, the key
is to avoid just making minimum payments. That stretches debt
for years, and it adds so much stress exactly. Tackling

(40:00):
debt is a big emotional win too. It clears the
path so people can finally move forward. Last topic for
the segment investing. When people feel behind, they sometimes think
they need to take big risks.

Speaker 6 (40:13):
What do you say to that.

Speaker 4 (40:15):
That's one of the biggest misconceptions. When you're catching up.
You actually can't afford big losses. Risky moves might feel
like a short cut, but they can be costly. The
smarter approach is diversification. Having a balanced, well allocated portfolio
helps protect your savings while still giving you growth potential,

(40:39):
and that's.

Speaker 6 (40:40):
Something a financial advisor can help build right definitely.

Speaker 4 (40:43):
At Kelly Financial, we sit down with our clients, understand
their timeline, their goals, and their comfort level, and build
a plan that works for them.

Speaker 6 (40:54):
No cookie cutter stuff. And for anyone listening who's worried
they waited too long, it's not too late.

Speaker 4 (41:00):
Some of the most inspiring clients we've worked with are
people who got serious a little later in life but
made incredible progress. It all starts with a plan and
a commitment to act now.

Speaker 5 (41:14):
And that's a good note to end on. And if
folks want a place to begin, we've got something helpful.

Speaker 4 (41:19):
Yes, we're offering a free investor guide called Designing your
Physical House to Weather the Elements. It covers asset allocation, diversification, indexing,
all the strategies that help protect and grow your money.

Speaker 5 (41:34):
You can get the guide and schedule a complimentary consultation
with one of our advisors by calling eighty eight eight
hundred twenty eight eight one or emailing us at Kelly
at Kelly Financial dot org. That's eight eight eight eight
hundred one eight eight one, or just shoot us an
email Kelly at Kelly Financial dot org. That's a rap
for this part of the show. Thanks again for spending
your evening with us. I'm William Kelly Junior, and you've

(41:56):
been listening to Save Money Strategies here on WRKO and
stream me on the iHeart app.

Speaker 6 (42:01):
Stay tuned and we'll be back in just a moment.

Speaker 4 (42:06):
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 hundred and

(42:28):
eighteen eighty one or email Kelly at Kellyfinancial dot org.

Speaker 6 (42:32):
We're Kelly Financial. Come retire with us.

Speaker 1 (42:37):
Welcome back to Safe Money Strategies on Mike Ducett and
joining me in the studio is Greg Workman. Summer's here,
the sunshining, the grills, fired up in the beach calls.
But you know what, Believe it or not, some of
might be the best season to tackle your money goals.

Speaker 7 (42:52):
Summer.

Speaker 9 (42:53):
Really, most of our listeners are probably more of the
put on flip flops and forget my email else type
of people.

Speaker 1 (43:01):
But hey, if you say so, Mike, what's the secret sauce? Well,
I just read this awesome checklist from Fidelity. It's got
fifteen ways to save more, spend smarter, and maybe even
grow your investments while everyone else is snoozing in a hammock.

Speaker 9 (43:15):
Okay, that sounds way better than sweating over spreadsheets. In July,
hit me with the first.

Speaker 1 (43:20):
Tip, Tip number one, take your vacation days. Last year,
nearly half of US workers didn't use all their paid
time off.

Speaker 6 (43:29):
Can you believe that half?

Speaker 1 (43:30):
That's like owning a candy store and never eating the
candy exactly. And get this, If you multiply your hourly
wage by those unused hours, you're basically giving your employer
a free loan ouch.

Speaker 9 (43:43):
So it's like saying, here's some money, but I don't
want to spend it on me. Makes zero sense.

Speaker 1 (43:49):
Plus, lots of employers have discounts for hotels, rental cars,
and activities, so you can save on your getaway, and
your brain gets a break from emails about urgent spreadsheet updates.
Drink to that no one ever wrote a song about
vacation days left unused. Okay, what's next, Mike number two?
Revisit your W four. You remember filling out that tax

(44:10):
form when you started your job.

Speaker 9 (44:11):
Right, if your life changed, got married, bought a house,
or started a side business, it is time to update
that W four.

Speaker 1 (44:18):
In Newlywed's heads Up, the IRS gives you only ten
days after your wedding to update your W four or
risk Uncle Sam taking too much or too little out
of your paycheck. Next up, stay cool without frying you wallet.
I know summer heat is the enemy of my electric bill.
What's the game plan? Block those rays? The sunlight streaming

(44:39):
through windows can crank up your AC's workload. Get some
insulated shades or blinds.

Speaker 9 (44:44):
Also, bump up your thermostat a bit every degree cooler
can increase energy by six to eight percent.

Speaker 1 (44:52):
And if your AC is old enough to vote, it
might be time to upgrade. New units use forty percent
less energy than those from the seven.

Speaker 9 (45:00):
That's a solid excuse to finally ditch that thing that
sounds like a jet engine next to your house.

Speaker 1 (45:05):
Next tip, give your subscriptions the summer off. Wait, you
mean like Netflix and gym membership exactly? If you're traveling
or spending more time outside, why pay for a gym
you're not using, or streaming services you don't watch.

Speaker 9 (45:19):
I should freeze my gym membership before they freeze me
out for being a ghost member. But pausing my streaming
services could be an issue with my twins. They wouldn't
be happy missing episodes of Bluie and all the others
they watched.

Speaker 1 (45:33):
I bet many providers allow you to freeze accounts for
free or at a discount. You could save a chunk
all right. Time for the serious stuff. Retirement. Yeah, don't
run away. The next tip is just to check in
on your four oh one, K, four h three B
or IRA accounts.

Speaker 9 (45:49):
It's always a good time to review your allocation, especially
with all the volatility we've experienced during the first half
of twenty twenty five. When's the last time you spoke
to your advisor? Give them a call and request a
review meeting, or better yet, give us a call and
schedule a second opinion.

Speaker 1 (46:07):
Next up, save on electricity by running your dishwasher or
washing machine early morning or late at night. Who knew
laundry was better after midnight? Some energy companies charge up
to fifteen times more during peak hours. Also, running your
dishwasher at night reduces humidity that can make your ac
work harder.

Speaker 9 (46:25):
Interesting stuff well. Next tip, keep tabs on those credit
card rates. Know your interest rates. Average rates are over
twenty four percent and issuers can raise them with just
forty five days notice, So it pays to stay alert
or risk getting buried in debt exactly.

Speaker 1 (46:43):
Check your cards regularly, and if the rates are high,
have a plan to pay down balances fast.

Speaker 9 (46:48):
Speaking of cards, use your rewards wisely, like cash back
points and those travel miles.

Speaker 1 (46:55):
Next on the list is if you've got summer clothes
you won't wear next year.

Speaker 6 (46:59):
Sell them.

Speaker 1 (47:00):
I have shirts older than my car. Resale sites can
turn that clutter into cash to buy fall in winter gear.
Goodbye Neon tank tops, Hello new budget. On a more
serious note, if you're self employed, quarterly taxes are due
September fifteenth for income between June and August.

Speaker 9 (47:17):
Missing this deadline could meet and penalties. Keep good records
and pay on time.

Speaker 1 (47:23):
Finally, call your internet phone or cable provide it and
ask for discounts.

Speaker 9 (47:27):
It can save one hundreds per year if you find
a retention or a loyalty deal. Just be nice but firm.
I'll channel my best. Please don't make me cancel voice. So, Greg,
what's the takeaway? Summer slowdown more like a money power up.
We can save, invest smarter and still enjoy that sunshine.

Speaker 1 (47:47):
Exactly, whether it's chilling with a cold drink or reviewing
a four oh one K. Summer is the time to
make your money work for you. And hey, if all
else fails, at least use those unused vacation days. Stay
smart and keep those wallets happy with that. I'm Greg
Workman and I Mike, you said join us next week
for more safe money strategies.

Speaker 8 (48:15):
Joining us now, as she always does at this time,
the co founder, president, CEO of Kelly Financial Services, and yes,
that is her wonderful name, Kelly.

Speaker 6 (48:31):
Kelly Kelly, how are you good morning, Jeff?

Speaker 4 (48:37):
I am good. When you build a home, you don't
start with the roof, you start with a solid foundation.
Planning for retirement works the same way. At Kelly Financial.
We're offering our free investor guide Designing your physical House.
It's a simple, smart blueprint to help strengthen the core

(48:58):
of your retirement plan. We walk you through asset allocation, diversification,
and cost efficient investing foundational tools to protect your savings
and bring more confidence to your future. Whether you're just
getting serious about retirement or trying to catch up later
in the game, this guide was designed with you in mind.

Speaker 6 (49:22):
Call us or email.

Speaker 4 (49:24):
Kelly at Kellyfinancial dot org to request your free guide
or to set up a complimentary appointment with one of
our trusted fiduciary advisors. Do tune in or go to
our website for the radio rewind Jeff, have a wonderful weekend.
My best of Grace and the kiddos.

Speaker 6 (49:43):
I have a wonderful weekend as well.

Speaker 7 (49:45):
Kelly.

Speaker 8 (49:46):
Please give my best to everyone at Kelly Financial and again.
To schedule your free consultation or to get your free
copy of the guide, call eight eight eight eight hundred
eighteen eighty one eight eighty eight eight hundred eighteen eighty one,
or you can email Kelly directly Kelly at Kelly Financial
dot org, Kelly at Kelly Financial dot org.

Speaker 3 (50:14):
Safe Money Strategies at eight eight hundred one eight eight one.

Speaker 4 (50:20):
Before we say goodbye, I'd like to share something very special.
It's a moment from years ago, just a simple conversation
between my late husband Bill Kelly and our little son,
William Kelly Junior, who was only four or five years
old at the time. Its tender is timeless, and it

(50:42):
captures so much of what really matters, family, love and
being present. We hope it brings a smile to your
face and we'll see you next Saturday right here on WRKO.

Speaker 3 (51:01):
Months little one, little un.

Speaker 14 (51:06):
Where are you.

Speaker 13 (51:09):
Mommy?

Speaker 2 (51:11):
Mile to row and you two?

Speaker 15 (51:17):
Toky Dad?

Speaker 7 (51:23):
Oh Hi, who's this William Kelly?

Speaker 6 (51:25):
Yeah?

Speaker 7 (51:25):
How are you?

Speaker 2 (51:26):
Great?

Speaker 7 (51:27):
Great? Great? What you're doing today?

Speaker 15 (51:29):
Some gospels?

Speaker 7 (51:30):
Yes, you hit some golf balls. Huh, how'd you hit?

Speaker 4 (51:33):
Great?

Speaker 7 (51:33):
Great? Now you noticed you hit some maybe over fifty yards,
made a lot of points. Did you do some putting too?

Speaker 2 (51:39):
Yep?

Speaker 6 (51:40):
Now, which you were there, you know what happened.

Speaker 7 (51:42):
Yeah, that's true. But I just thought if I asked
you the question, you could tell the people. William So, yes,
I was there. But now what kind of swing are
you using?

Speaker 15 (51:51):
Ben Hogan?

Speaker 7 (51:51):
You like the Ben Hogan swing?

Speaker 1 (51:53):
Yeah?

Speaker 7 (51:53):
Yeah, he had a great swing, didn't he. Yeah it
was smooth, wasn't it. He was an athlete? I guess,
wouldn't you say that?

Speaker 4 (52:00):
Yeah?

Speaker 7 (52:01):
So we were talking about some great things. You're having
a good summer vacation. What are your activities now?

Speaker 15 (52:07):
Tendus of golf? And I believe that I used to
put t ball.

Speaker 7 (52:11):
Now you're tutoring? Oh not today, No, but you have
been tutoring. I've noticed on what type of tutoring are
you doing there?

Speaker 14 (52:18):
Like learning?

Speaker 7 (52:19):
Really? And I noticed I was talking to a lady
the other night. You're half Southern? Is that correct?

Speaker 6 (52:24):
Yeah?

Speaker 7 (52:25):
And how do we know that? Like? How could someone
know that?

Speaker 15 (52:28):
It's because I'm born and my mommy's tummy and she
was born from the South.

Speaker 6 (52:34):
So when I got Norse, we got half Summer and
half Northern.

Speaker 4 (52:37):
I'm me good.

Speaker 15 (52:37):
So I was born in Norse and my mother was
from the South. So that's time to make me half
and half.

Speaker 7 (52:44):
Okay, so that's why you say yes, ma'am all the time?
Then right?

Speaker 8 (52:48):
Yeah?

Speaker 7 (52:48):
Oh great. And we talked about our five favorite things
the other day. Can you give us some of your
five favorite things?

Speaker 14 (52:55):
Okay?

Speaker 15 (52:56):
What did we start at five?

Speaker 7 (52:59):
Yes, start at five?

Speaker 14 (53:01):
Five if you can forgot five.

Speaker 6 (53:04):
And before I forgot really?

Speaker 15 (53:07):
Yeah?

Speaker 7 (53:07):
Okay? How about three?

Speaker 15 (53:10):
Three is minecraft?

Speaker 7 (53:12):
Wow? How about Jewish.

Speaker 15 (53:13):
French versus armies? And one is the specialist one in
the world.

Speaker 4 (53:17):
What my family?

Speaker 7 (53:19):
That's your number one favorite thing?

Speaker 6 (53:21):
Yeah?

Speaker 7 (53:22):
Wow? Now what about Dixie and Bogar at the cat
I don't see them? Are they're part of the family.
They're part of number one? Yeah, very good.

Speaker 14 (53:30):
They're adopted, they are well, they're just found one in
the woods, and one is that adopted Bob. He was
found in the woods and we adopted Dixie.

Speaker 7 (53:41):
Boby still acts a little while he goes out there hunting,
doesn't he even he can beat up a.

Speaker 15 (53:46):
Coyote and he's he's small and he can beat up
a coyote.

Speaker 13 (53:50):
I know what.

Speaker 7 (53:51):
That coyote tried to grab him and he beat him away. Wow,
that's amazing, isn't it.

Speaker 4 (53:55):
Well, a big coyote.

Speaker 15 (53:56):
Against a small little cat, A little cat wins.

Speaker 7 (54:01):
Well, Bogey's strong, bogy, Yeah, he's strong as an ox though.
I mean that cat is all muscle. He can jump
like eight feet in the air, so he must have
surprised the coyote, right or okay? God, all right? Then,
well thanks for you know, coming on talking with the folks,
and you know Daddy loves you, right yeah, okay, then
I'll see you when I get home. Okay, yep, okay,

(54:23):
I love.

Speaker 14 (54:23):
You here Bye, we.

Speaker 6 (54:28):
Going mother one one were mom mile.

Speaker 3 (54:45):
Call Kelly Financial Services eight hundred eighteen eighty one.

Speaker 4 (54:50):
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(55:12):
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