Kelly Financial: Saturday, July 18, 2026

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Episode Transcript

Speaker 1 (00:12):
It's coming to so 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 2 (00:29):
And practical advice.

Speaker 1 (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, turn entrepreneur, author
and philanthropist who believed in giving back and walking the talk.
Since our show has remained a Saturday morning staple, offering
insight and empowerment. Here at Kelly Financial, we help steward
over eight hundred million dollars across our affiliated business, including
more than six hundred million dollars managed by our sec

(01:14):
registered investment advisory or fiduciary care, and our family first
philosophy guides us on safe money strategies. You'll hear candid
conversations with the team my mother Kelly, myself, advisors Charlie Gable,
Mike Ducett, Greg Workman, Greg Murray, my sister Mary Madeline,
Tom Schleger, and Josh Smith. We live by two rules,

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

(01:55):
and myself William Kelly Junior.

Speaker 3 (02:02):
Safe Money Strategies with William Kelly and Kelly Kelly eight
hundred eighteen eighty one.

Speaker 4 (02:15):
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 Jr.
And we talk about life, what's going on in the world,
in our family, and what really matters most when you're

(02:38):
planning for the future. Sometimes it's lights, sometimes as thoughtful,
but as always real.

Speaker 5 (02:45):
Good morning William, Good morning Mom.

Speaker 2 (02:47):
How are you.

Speaker 5 (02:47):
I'm doing wonderful. How about yourself?

Speaker 1 (02:50):
I'm fantastic and you are why. It's because in the
World Cup I watched probably I'm going to talk about
Tuesday's game France versus Spain. France for the entirety of
the entire World Cup so far, until that game had
been feared, and people were just like this, like this

(03:12):
team's a machine.

Speaker 2 (03:13):
They're like the they're like Darth Vader.

Speaker 5 (03:16):
Darth Vader.

Speaker 2 (03:17):
That's the only way to describe them, you know.

Speaker 1 (03:19):
And these people have some of the greatest talent and
all this stuff and whatever, and a lot of them
are from this this this soccer club called Real Madrid.
And there's two Spanish soccer clubs. The one i'm a
fan of is FC Barcelona, and the evil club, the
bad guys, is Real Madrid. Okay, there's a lot of

(03:41):
history between these two clubs. They're over one hundred years old.
They're battling each other for over a century. FC Barcelona
is more Catalan, it's more about freedom and independence. Of
Real Madrid was more like monarchical and like pro government
and stuff like that, and so back then as a
sign of protest, like if you were a Barcelona fan,

(04:03):
that was you like sticking up for the Catalonians.

Speaker 2 (04:05):
Okay, so very interesting. There's a lot of very interesting history.

Speaker 1 (04:08):
So the point I'm trying to make here is that
FC Barcelona, majority of the Spanish team is from FC Barcelona.
A lot of people on the France team was or
is on Real Madrid. Okay, so it basically on the
national scale, it was like watching FC Barcelona versus Real Madrid.
And also no, no offense to our French listeners or anything.

(04:31):
I don't want friends to win, Okay, I listen, all right,
I'm not a huge fan of a lot of these
European countries and their legislation and the lack of air conditioning.

Speaker 5 (04:42):
And when I went conditioning, we went to Paris.

Speaker 1 (04:45):
Did I like it as a kid? Answer the question
for me. No, No, I didn't. The clouds were gray,
people were smoking cigarettes, They hate taurusts.

Speaker 2 (04:52):
Okay, I was not a fan, all right, do I
want those people to win the World Cup? Now, I'm
not saying it's a bad culture. I'm not saying all
friends people are bad. I'm mostly just giving Duff to Paris.

Speaker 1 (05:02):
I understand Frances a beautiful countryside, and there are other
cities that are pretty incredible, but I am saying that
I would much rather Spain win than France.

Speaker 2 (05:10):
And that was a huge upset. It was a two zero.

Speaker 1 (05:13):
Game that was just incredible, and nobody expected Spain to
play that way, and.

Speaker 2 (05:18):
So that was just a huge upset.

Speaker 1 (05:21):
And I was just very happy to see that.

Speaker 2 (05:24):
I just was not expecting it. So I'm very pleased
with that.

Speaker 1 (05:28):
And I have to say that it's like the World
Cup coming to the United States is like been such
a positive influence on the US because all these Europeans
and people from Asia and people from Africa are coming
over to the United States.

Speaker 2 (05:44):
Their media is lied to them.

Speaker 1 (05:45):
It's completely they've told a completely different narrative than what
the United States is actually like. And they're saying these
people are awesome, they're super nice, Oh my gosh, their
food is incredible, they're really enjoying or if they're not
here anymore, they have enjoyed their time. A lot of
them are really doing or have enjoyed their time.

Speaker 5 (06:01):
Did you realize that people fought that way.

Speaker 2 (06:04):
Thought the way that the Europeans did before they came.

Speaker 1 (06:06):
Yes, oh absolutely, no, it was evident. You see it online.
When you go to Europe. You hear what people say
about America.

Speaker 2 (06:13):
You hear it.

Speaker 1 (06:14):
Anyways, I think that foreigners actually coming and visiting the
United States has done numbers, especially for something like the
World Cup, which we don't understand because we don't care
about soccer. The World Cup is the greatest sporting event
in the world everywhere but America. Literally and obviously a
lot of Americans are soccer fans, but the World Cup
only happens every four years.

Speaker 2 (06:35):
It's rare, it's special.

Speaker 1 (06:37):
And on top of that, to add even more pressure,
you're competing at a national level for your country, not
for a team, So you are playing for your nation
every four years, and only one person could take the trophy.
You can imagine how intense that can be. That's not
as intense as a Super Bowl, that's not as intense
as the Liga or the Euro or the the World Series,

(07:01):
as not as intense as that. It's incredible. We don't
since we don't play a sport. I mean, we play soccer,
but like not to the level that they do abroad.
Like if America like if football, American football was an
international sport, America would dominate.

Speaker 2 (07:18):
It's our sport, and.

Speaker 1 (07:19):
If it was a national thing, it would be so
important for us to win, and if other countries became
really good at it, it'd be even more competitive, right
like that. It's kind of like how like Brazil was
sort of the biggest country for soccer years ago, and
you know, players like Pele and stuff like that, it'd
be America would be very similar where that would be

(07:40):
the football country, but then other countries would start to
get a knack for it and start to compete better,
and then other countries that don't really care wouldn't be
able to kind of qualify.

Speaker 2 (07:49):
You know. The fact America made.

Speaker 1 (07:51):
It as far as it did as a nation as
a national team was incredible because we had an Argentinian
coach and Argentina is like one of the best.

Speaker 2 (07:58):
Soccer countries ever. So we are slowly becoming a.

Speaker 1 (08:03):
Soccer country in that respect, in the respect of we're
actually stepping forward and bringing our a game and competing
with bigger dogs, which is pretty cool because in the
next World Cup we can get even further and maybe
even win one World Cup one day, which would be incredible.

Speaker 2 (08:17):
So I actually and I owe it to my friends.

Speaker 1 (08:20):
I owe it to a lot of my friends actually
for kind of bringing me into the sport.

Speaker 2 (08:24):
More so because you know, I'll watch it from Afar.

Speaker 1 (08:26):
I remember the twenty eighteen World or sorry, not twenty eighteen,
the twenty twenty two World Cup in Qatar and thinking, oh,
that's interesting, you know what I mean.

Speaker 2 (08:33):
I'll look at that, that's cool, you know, not fully
grasping it.

Speaker 1 (08:36):
And then whenever it comes to the States and it's
here in the United States, which it hasn't been in
over thirty years, it's like, whoa, this is once in
a lifetime or twice in a lifetime opportunity.

Speaker 2 (08:45):
Isn't this awesome? So I'm really pleased with how everything
worked out.

Speaker 1 (08:50):
I think that it was such a major success, and
I'm excited for the final.

Speaker 2 (08:56):
On I think July nineteenth, at three o'clock.

Speaker 1 (09:00):
I will be completely unavailable because that will be the.

Speaker 2 (09:02):
Final of the World Cup.

Speaker 1 (09:04):
So whatever is happening at that time, I'm not doing it.
I will be at my laptop on the TV whatever
watching it.

Speaker 2 (09:12):
So I'll be very excited for that. That'll be a
lot of fun.

Speaker 5 (09:15):
Yes, you will be excited. What are you going to
do when it's over?

Speaker 1 (09:20):
It's over? I just, you know, I hope my favorite
team wins. I hope Spain or you know, so, I
just we'll see, Yeah, we will see.

Speaker 5 (09:30):
Absolutely.

Speaker 4 (09:32):
Do keep us on your dial. We've got a lot
of great content coming your way. Mike do Set and
Greg Workman will share why the best time to start
planning for the retirement you've always imagined is before someday
slips away.

Speaker 5 (09:45):
Mary, Madeline Kelly and Greg Murray will.

Speaker 4 (09:47):
Discuss why prices still feel high and what it means
for your long term financial plan. When William and I return,
will explore how purpose, lifelong learning, and meaningful connections can
help you build a retirement you genuinely enjoy. And of
course we'll close the hour with some wit and wisdom

(10:08):
from the late Bill Kelly. His words continue to inspire
and guide us. That's a wrap for forever, Young Thank
you for listening, and William, thank you for joining me.
We'll be back with more great content.

Speaker 5 (10:22):
I love you, honey, I love you too much.

Speaker 6 (10:24):
Okay, my friends, let me tell you about Kelly Financial Services.
You know how this goes. In January everybody's discipline. The
budget is tight, the plan is in place, then you

(10:45):
blink and it's June. Spending is crept up. Costs of climb,
healthcare expenses, inflation, family needs, life doesn't slow down. That's
why a midyear retirement check in matters. Because our retirement
plan you set up once and never review.

Speaker 2 (11:03):
That's not really a plan.

Speaker 6 (11:05):
Kelly. Kelly and her team have put together a complimentary
investor guide called five Retirement Planning Missteps to Dodge. It
covers healthcare costs, inflation, long term care, and why keeping
your strategy up to date matters. Schedule your annual review,
request your free copy now. Call Kelly Financial eight eighty

(11:27):
eight eight hundred eighteen eighty one or email Kelly at
Kelly Financial dot org.

Speaker 2 (11:34):
Hello and welcome back to save money Strategies.

Speaker 7 (11:36):
I'm Mike Duscett, chief operating Officer at Kelly Financial Services,
and alongside me as always, is Greg Workman, investment advisor
here at Kelly Financial. Last week's show was all about
making great summer memories without creating financial regrets. We talked
about vacations, family gatherings, and enjoying this season of life
while still making smart financial decisions after the show, and

(12:00):
I kept talking in One word kept coming up over
and over again. The word is someday. Think about how
often we use it. Someday we'll take that dream vacation.
Someday we'll buy the lake house. Someday I'll spend more
time with the grandkids. Someday we'll finally retire. It's one
of those words we all use without really thinking about it.

(12:21):
The problem is, someday isn't a day on the calendar.

Speaker 8 (12:25):
That's exactly where Mike. One of the things I've learned
over the years is that almost everyone has dreams for retirement.
They aren't extravagant dreams either. Most people aren't talking about
private islands or yachts. They're talking about having breakfast with
their spouse without rushing off to work. They're talking about
attending every grandchild's baseball game or dance recital. They're talking

(12:50):
about traveling while there's still healthy enough to do it.
And they're talking about volunteering, golfing, fishing, gardening, or simply
having the freedom to wake up every day and decide
what that day looks like. Those are wonderful goals, but
goals don't become reality simply because we want them to.

Speaker 7 (13:12):
It's interesting because people are actually very good planners when
it comes to other parts of life. If you are
taking a family vacation, you probably start planning months in advance.
You compare hotels, you look at flights, you read restaurant reviews,
you map out activities. Sometimes you'll spend weeks planning a
vacation that's only going to last seven days. Yet, retirement,

(13:34):
which could last thirty years or more, is often something
people assume they'll figure out when they get there.

Speaker 8 (13:40):
And that's usually because retirement feels far away until it doesn't.
One day, you're fifty, then you're fifty five. Suddenly someone
at work announces they're retiring. Your children are grown, maybe
grandchildren have arrived, and before you know it, you're asking yourself,
how did we get here so fast? Time has a

(14:02):
funny way of speeding up. That's why we encourage people
not to wait until retirement is right around the corner
before putting together a written financial plan, because the earlier
you have clarity, the more choices you typically have.

Speaker 7 (14:18):
You know, Greg, one of my favorite questions to ask
people isn't actually about money. I'll ask them, what does
your perfect Tuesday look like in retirement, not Saturday, not
a vacation, just an ordinary Tuesday. It's amazing how quickly
the conversation changes. People start talking about taking a morning
walk with their spouse, meeting friends for coffee, picking up

(14:40):
the grandchildren from school, working in the garden, joining a
golf league, volunteering at church, reading on the back deck.
None of those answers begin with I want my portfolio
to outperform the market. To begin with life exactly. Money
is simply the vehicle that helps support the life that
you want to live. Sometimes people think financial planning is

(15:02):
all about charts, graphs, investment returns and complicated calculations, and
while those things certainly matter, they're not where the conversation
should begin. It should begin with the question what kind
of life for you trying to create? Because once we
know that, we could.

Speaker 8 (15:21):
Start building a plan that supports those goals. That's why
at Kelly Financial Services we begin with planning before we
start talking about investments. We want to understand what is
important to you. Because everyone's version of retirement is different.

Speaker 7 (15:39):
I think that's one of the biggest misconceptions people have.
They assume retirement is simply the day they stop working.
But retirement isn't one day. It's a new season of life,
and just like any major life transition, it deserves some
thought and preparation. You wouldn't build a house without blueprints.
You wouldn't take a cross country road trip without knowing
where you're Headedronment deserves that same level of planning.

Speaker 8 (16:02):
Let me offer a hypothetical example. Imagine a couple. We'll
call them Tom and Susan. They're both in their early sixties.
They've worked hard their entire lives, they've saved consistently, they've
done many of the things that financial experts recommend. But
every time they talk about retirement, they use the same word. Someday.

(16:25):
Someday we'll travel, Someday we'll visit Alaska, Someday we'll spend
a month in Florida. Someday we'll finally replace that kitchen,
and someday we'll volunteer together. The years kept passing because
life stays busy, work responsibilities, helping aging parents, supporting adult children,

(16:49):
home projects, and before they knew it, retirement wasn't ten
years away anymore, it was next year. That's when they
realized they had years preparing financially, but very little time
thinking about what retirement would actually look like. The good
news is that they started asking those questions before they retired,

(17:13):
not after. That gave them the opportunity to create a
plan around the life that they actually wanted to live.

Speaker 7 (17:20):
I think that's such an important distinction. Planning isn't about
limiting your dreams. It's about giving your dreams a realistic timeline,
turning we'd like to into here's how turning maybe someday
into next summer, or next spring or next year.

Speaker 8 (17:38):
When you have a written financial plan, those conversations become
much more meaningful because you're making decisions based on facts
instead of guesswork. And I have to tell you that's
one of the most rewarding parts of what we do.
It's seeing someone go from uncertainty to confidence because we

(18:00):
predicted the future, but because together we built a thoughtful
plan for it.

Speaker 7 (18:06):
And when we come back after the break, we'll continue
this conversation about why so many people put off the
life they've been dreaming about, and some simple ways to
start turning someday into an actual plan. You're listening to
Safe Money Strategies with Mike Ducett and Greg workman.

Speaker 2 (18:21):
We'll be right back.

Speaker 3 (18:26):
Kelly Financial Services eight eight hundred eighteen eighty one.

Speaker 4 (18:32):
I'm Kelly, Kelly from Kelly Financial. Retirement is a time
to enjoy the fruits of your labor, but is also
a period when financial stability becomes more critical than ever,
so seeking expert financial advice is essential regardless of your age.
Professional guidance insureds your assets are allocated wisely, helping your

(18:53):
money last as.

Speaker 5 (18:54):
Long as you need it.

Speaker 4 (18:55):
The advisors at Kelly Financial will help you take charge
of your financial future and preserve your hard earned wealth
to enable you to focus on the retirement you've dreamed of.
We have a free investor guide called designing your Fiscal
House to Weather the Elements, which highlights the steps needed
to build a balanced portfolio. For the guide and a

(19:17):
free consultation with a Kelly advisor, call eight eight eight
eight hundred eighteen eighty one or email Kelly at Kellyfinancial
dot org.

Speaker 5 (19:27):
We're Kelly Financial. Come retire with us the.

Speaker 3 (19:31):
Money Wrap with Kelly Financial Advisors. Greg Murray and Mary
Madeline Kelly.

Speaker 2 (19:38):
Good morning.

Speaker 9 (19:39):
This is Greg Murray, Senior Vice President and Chief Compliance
Officer at Kelly Financial Services, joining me today is Mary
Madeline Kelly, one of our wealth advisors.

Speaker 2 (19:47):
How are you doing.

Speaker 10 (19:47):
Today, Hi Craig, Good morning, and I'm doing well.

Speaker 8 (19:50):
Thank you.

Speaker 10 (19:51):
Today's topic comes from something I think we've all experienced recently.
You turn on the news and hear that inflation is cooling,
but then you go to the grocery store, pay your
insurance build or grabbed dinner at a restaurant, and it
certainly doesn't feel like prices are coming down.

Speaker 2 (20:05):
That's right.

Speaker 9 (20:05):
Today we're talking about what's often referred to as the
last mile of inflation.

Speaker 2 (20:09):
Why inflation may be.

Speaker 9 (20:10):
Slowing, but many everyday expenses still feel stubbornly high.

Speaker 10 (20:14):
And I think one of the biggest misconceptions is that
people here inflation is coming down, and they expect prices
to go back to where they were a few years
ago exactly.

Speaker 2 (20:23):
But that's not how inflation works.

Speaker 9 (20:24):
When inflation slows, it simply means prices are increasing more
slowly than they were before. It doesn't necessarily mean prices
are falling.

Speaker 10 (20:31):
A simple example is if prices were rising eight percent
a year and now they're rising three percent, that's definitely
an improvement, but prices are still moving higher.

Speaker 2 (20:40):
They're just doing so at a slower pace, and.

Speaker 9 (20:42):
That's why many families don't feel much relief. The rapid
price increases we've experienced over the past several years are
largely still built into today's prices.

Speaker 10 (20:50):
Another reason people still feel inflation is because many of
the expenses they encounter most often are what economists call
sticky exactly.

Speaker 9 (20:59):
Things like housing cost us, insurance premiums, healthcare, childcare, restaurant meals,
and many personal services don't usually fluctuate as quickly as
gasoline or groceries.

Speaker 10 (21:08):
Once those prices move higher, they often stay elevated for quite.

Speaker 2 (21:11):
Some time, and labor costs play a big role in that.

Speaker 9 (21:13):
As businesses pay higher wages to attract and retain employees,
those costs are often reflected in the prices consumers pay.

Speaker 10 (21:20):
That's why someone may hear that inflation is cooling but
still feel like their monthly budget is under pressure, and.

Speaker 9 (21:25):
That can be frustrating because perception often matters just as
much as the official statistics exactly.

Speaker 10 (21:31):
Most people don't calculate inflation using economic reports. They calculate
it every time they fill up the gas tank, buy groceries,
renew their homeowners insurance, or pay for home repairs.

Speaker 2 (21:41):
So what does this mean from a financial planning standpoint.

Speaker 10 (21:43):
First, it's a reminder that inflation should always be part
of a long term financial plan. Even moderate inflation can
gradually reduce purchasing power over time, which is.

Speaker 9 (21:52):
One reason retirement planning is about much more than simply
accumulating assets. Is also bout maintaining your purchasing power over
what could be a retirement lasting twenty or thirty years.

Speaker 10 (22:01):
And while inflation has moderated compared to its peak, it
hasn't disappeared. That's why building flexibility into your financial plan
is so important.

Speaker 9 (22:10):
Another thing we encourage clients to do is review their
spending periodically.

Speaker 10 (22:13):
Not necessarily to eliminate everything you enjoy, but to understand
where your money is going. Sometimes small adjustments can make
a meaningful difference without changing your lifestyle.

Speaker 9 (22:23):
It's also important not to let inflation headlines drive emotional
financial decisions.

Speaker 10 (22:27):
Absolutely, markets constantly adjust to changing economic conditions, including inflation expectations.
Investing involves risk, including the potential loss of principle, and
long term investment decisions should be based on your personal goals,
not just today's headlines.

Speaker 9 (22:42):
The good news is that Inflation is just one piece
of a much larger financial picture.

Speaker 10 (22:46):
A well designed financial plan accounts for changing interest rates, inflation,
market cycles, and unexpected events. The goal isn't to predict
every economic development, it's to prepare for them.

Speaker 2 (22:57):
So for our listeners, what's the biggest takeaway, I'd say,
don't be discouraged.

Speaker 10 (23:02):
If everyday expenses still feel expensive, you're not imagining it.
Inflation may be cooling, but many prices remain elevated. The
important thing is to adjust your financial plan as needed
and continue focusing on your long term goals.

Speaker 9 (23:15):
Because while we can't control inflation, we can control how
we prepare for it exactly.

Speaker 10 (23:19):
Financial planning is about adapting to changing conditions, not reacting
to every headline, and.

Speaker 9 (23:24):
There's always every financial situation is unique. Investment decisions should
be made based on your individual goals, where's tolerance and
time horizon, and investing evolves.

Speaker 2 (23:33):
The risk of loss.

Speaker 10 (23:34):
But the key takeaway today is this, even when inflation slows,
smart financial planning never goes out of style.

Speaker 9 (23:40):
Well said, let's going to wrap things up for today.
If you'd like to help building a financial plan that's
designed to navigate inflation and the changing economic conditions.

Speaker 2 (23:48):
Give us a call. We'd be happy to help absolutely well.

Speaker 10 (23:51):
Greg, thank you for your time and I'll see you
next week.

Speaker 3 (23:54):
To get in touch with Greg Murray or Mary, Madeline
Kelly or any member of the Kelly Financial Time 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 4 (24:21):
Welcome back to Safe Money Strategies. I'm Kelly Kelly alongside
my son William Kelly Junior. Thank you for spending part
of your Saturday morning with us, William. For years, people
picture retirement as the finish line. They imagine sleeping in, traveling, relaxing,

(24:42):
and finally having complete freedom after decades of hard work.
And while retirement certainly offers opportunities to enjoy life in
new ways, many people discover something they never expected. After
the excitement wears off. Retirement can feel different, not because

(25:02):
they've done anything wrong, but because retirement isn't simply a
financial transition.

Speaker 5 (25:08):
It's also an emotional one.

Speaker 1 (25:10):
That's exactly right, Mom. We spent much of our lives
preparing financially for retirement. We save invest and think about
when we'll stop working, but very few people spend much
time preparing for what retirement actually feels like once they're
living it every day.

Speaker 2 (25:25):
Many retirees tell us they were surprised by feelings they
didn't expect.

Speaker 1 (25:29):
Uncertainty, boredom, restlessness, or even a loss of purpose. The
important thing to understand is that these feelings are far
more common than many people realize.

Speaker 4 (25:38):
And recognizing that can be incredibly reassuring. Retirement represents one
of the biggest life transitions we experience. For decades, our
calendars are filled with meetings, deadlines, responsibilities, and routines, and
then almost overnight, much of that strugg disappears.

Speaker 5 (26:01):
For some people.

Speaker 4 (26:02):
That's exciting, for others is surprisingly unsettling. That doesn't mean
retirement has failed.

Speaker 5 (26:11):
It simply means you're.

Speaker 4 (26:12):
Adjusting to a completely new chapter of life.

Speaker 1 (26:15):
One of the biggest reasons retirement feels different is because
so much of our identity becomes connected to our careers.
Think about how often people ask what do you do?
Whether someone was a teacher, a nurse, a business owner,
an engineer, a police officer, or worked in the trades,
their career often becomes part of how they saw themselves.

Speaker 2 (26:35):
Work isn't only about earning a paycheck.

Speaker 1 (26:37):
It gives purpose, It gives goals, it gives opportunities to contribute,
and it creates a sense of accomplishment.

Speaker 4 (26:44):
Exactly when that chapter closes, many retirees quietly wonder who
am I now. That's not a question people always expect
to ask, but it's a very natural part of the transition.
The good news is out retirement doesn't mean your purpose ends.
It simply means your purpose may begin to look different.

(27:07):
You may retire from your career, but you never retire
from being someone who can contribute, encourage others, continue learning,
or make a meaningful difference.

Speaker 1 (27:19):
Another surprise for many retirees is just how valuable structure
really is.

Speaker 2 (27:24):
During our working years. Most of us have routines we
hardly even notice.

Speaker 1 (27:28):
We get up at a certain time, We have appointments,
We interact with coworkers. There are responsibilities that naturally shape
our days. Once retirement begins, all of that external structure
can disappear, and well.

Speaker 2 (27:41):
Freedom is one of retirement's greatest gifts.

Speaker 1 (27:43):
Unlimited free time isn't always as relaxing as people imagine.

Speaker 4 (27:47):
That's why having intentional routines can make such a difference.
Retirement doesn't need to feel like another full time job,
but having purpose and each day often starts with simple habits.

Speaker 5 (28:00):
Maybe is taking.

Speaker 4 (28:01):
A morning walk, reading, volunteering, spending time with grandchildren, learning
something new, meeting friends for coffee. Those routines help give
each day direction. Freedom tends to feel more rewarding when
it still has a sense of purpose behind it.

Speaker 1 (28:20):
Another area people don't always anticipate is how retirement changes
their relationships. When we're working, we naturally interact with people
throughout the day. Coworkers become friends. There are conversations in
the hallway, lunches, team meetings. Those everyday interactions often disappear
after retirement. Some retieries don't even realize how much they

(28:41):
miss those daily connections until they're gone.

Speaker 4 (28:43):
That's why staying socially connected becomes so important. Research continues
to show that meaningful relationships play an important role in
emotional wellbeing, physical health, and overall quality of life. Retire
often requires us to be more intentional about maintaining friendships

(29:05):
and building new relationships, whether that's through volunteer work of faith,
community clubs, hobbies, are spending more time with family. Those
connections matter. Relationships don't retire just because we do.

Speaker 1 (29:22):
And perhaps the most encouraging thing for anyone listening today
is knowing they're not alone. Sometimes people hesitate to admit
retirement hasn't turned out exactly the way they imagine, because
they think they should simply feel grateful. But retirement isn't
a destination where everything instantly falls into place. It's a transition.
Like any important transition, it takes time. Feeling uncertain doesn't

(29:45):
mean you failed. It simply means you're adjusting to a
new stage of life.

Speaker 4 (29:49):
And that's one of the reasons I wrote my book
Retire Your Fear, Plan Your Future. Retirement planning is about
much more than investment accounts and income strategy. Jeez, those
are certainly important, but ultimately, financial planning is designed to
support something much bigger. The life you want to live,

(30:11):
the experiences you hope to enjoy, the relationships you want
to nurture, and the purpose you want to continue discovering.
When your financial decisions align with your personal goals, retirement
becomes about building a life, not simply reaching an age.
If you'd like a complimentary copy of Retire Your fear

(30:33):
plan your future. Give us a call at eight eight
eight eight hundred eighteen eighty one or email Kelli at
Kellifinancial dot org.

Speaker 1 (30:43):
When we come back, we'll talk about practical ways to
create new routines, rediscover your purpose, strengthen your relationships, and
build a retirement that's every bit as meaningful as the
one you've been working toward.

Speaker 5 (30:54):
Stay with us, we'll.

Speaker 3 (30:56):
Be right that Money Strategies brought to you by Kelly
Financial Services. Call eight eight eight eight hundred eighteen eighty
one or visit Kelly Financial dot org.

Speaker 11 (31:10):
Right, 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 teamwork. Likewise,

(31:33):
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 eighteen
eighty one, or visit Kellyfinancial dot Org for an appointment

(31:57):
at Kelly Financial.

Speaker 2 (31:58):
We believe you've got to have the right.

Speaker 11 (32:00):
Team and crewe and in retirement, how will you cross
the finish line? Here Kelly Financial Services. Come retire with.

Speaker 3 (32:09):
Us Safe Money Strategies with William Kelly and Kelly Kelly
call the team on eight eight hundred, eighteen eighty one.

Speaker 4 (32:25):
Welcome back to Safe Money Strategies. I'm Kelly Kelly alongside
my son William. Before the break, we talked about something
many people experience but do not always talk about, that
retirement can feel very different from what they expected. The
good news is that if retirement has not unfolded exactly

(32:46):
the way you imagined, you're certainly not stuck. One of
the wonderful things about retirement is that is not a
single moment. It's a new season of life, and like
any season, it can used to evolve. You don't have
to have every answer on day one.

Speaker 2 (33:05):
That's such an important point LOM.

Speaker 1 (33:06):
Many people retire believing they should immediately know exactly how
they're going to spend every day, but in reality, retirement
often involves a little trial and error. You may discover
new interests, you may reconnect with old hobbies, or you
may find what sounded exciting while you were working isn't
actually what brings you the greatest satisfaction today. Instead of

(33:27):
asking did I retire the right way, perhaps a better
question is what kind of life do I want to
create now? That small shift in perspective can make a
big difference.

Speaker 4 (33:36):
One of the first places to start is by creating
a little structure. Now, that doesn't mean filling every hour
of every day, after all, one of retirement's greatest rewards
is flexibility. But having a daily rhythm can provide a
sense of purpose and momentum. Maybe each morning begins with

(33:57):
a walk, reading, or eg er size. Perhaps one afternoon
each week is devoted to volunteering or spending time with family.
Some retirees enjoy taking a class, joining a book club,
or pursuing a hobby they've always wanted to explore. Those
routines do not limit your freedom, they often help you

(34:21):
enjoy it even more.

Speaker 1 (34:22):
Purpose is usually built through small, consistent habits. That's rarely
one major event that suddenly changes everything. It's the everyday
choices we make. Those choices create momentum. And overtime momentum
often leads to creator fulfillment. Another important part of retirement
is making time for the people who matter most. During
our working years, careers and responsibilities often compute with family gatherings, friendships,

(34:46):
and community involvement. Retirement offers the opportunity to invest more
intentionally in those relationships.

Speaker 4 (34:54):
And those relationships are one of life's greatest blessings. Whether
it's spending more more time with grandchildren, reconnecting with lifelong friends,
becoming active in your faith community, or simply making the
effort to meet someone for lunch, those moments become some
of retirement's richest rewards. Many retirees also discover new friendships

(35:19):
by joining volunteer organizations, lifelong learning programs, walking groups, or
local clubs centered around shared interest. The important thing is
to remain engaged. Meaningful relationships don't happen by accident. Like
any worthwhile investment, they grow through time and attention.

Speaker 1 (35:43):
Retirement also gives us something that's often in short supply
during our working years, time to keep learning.

Speaker 2 (35:50):
Maybe you've always wanted to learn a musical instrument.

Speaker 1 (35:52):
Perhaps you'd enjoy photography, gardening, writing, painting, or learning another language.

Speaker 2 (35:59):
For someone else, and.

Speaker 1 (36:00):
I'd simply mean reading more books, are becoming comfortable with
new technology. The specific activity isn't nearly as important as
remaining curious. Personal growth doesn't stop simply because the career ends.
In many cases, retirement becomes the very season when people
discover talents they never knew they had.

Speaker 4 (36:18):
Another way, many retirees find renewed purpose is my serving others.
Think about the experience you've gained over the years. Whether
you spent your career in education, healthcare, construction, finance, law enforcement, business,
or another profession, you've accumulated knowledge that could be incredibly

(36:42):
valuable to someone else. Mentoring, volunteering, helping a nonprofit organization, coaching,
supporting neighbors. There are countless ways to make a meaningful contribution.
Many people tell us that some of their most rewarding
experiences in retirement have come from giving back.

Speaker 1 (37:05):
It's interesting how often purpose grows when we shift our
attention outward. Rather than asking only what do I want
to do today, we might also ask how can I
make a positive difference today.

Speaker 2 (37:15):
Sometimes the answer is something very simple.

Speaker 1 (37:17):
A phone call, helping a friend, encouraging a family member,
sharing wisdom with someone who's just beginning their own journey.
Those moments often become some of the most meaningful parts
of retirement.

Speaker 4 (37:28):
And while today's conversation has focused on purpose and fulfillment,
is also important to remember that having confidence in your
financial picture can help support those goals. When you understand
where you are financially and how your retirement income, investments, taxes,

(37:49):
and long term objectives fit together, it becomes much easier
to make.

Speaker 5 (37:55):
Decisions with greater clarity.

Speaker 4 (37:58):
Financial planning isn't about predicting the future. It's about preparing
thoughtfully for it and creating flexibility as life changes. That's
exactly what our advisors strive to help families do every day.

Speaker 1 (38:13):
Retirement isn't about leaving your besters behind. For many people,
it's an opportunity to begin writing an entire linea chapter
one filled with meaningful relationships, continue learning, purposeful living, and
the freedom to spend more time on what matters most.
When those pieces begin coming together, retirement often becomes far
more rewarding than people ever expected.

Speaker 4 (38:34):
That's the message at the heart of my book, Retire
Your Fear Plan Your Future. Retirement isn't simply about reaching
a financial milestone. It's about creating a life this meaningful,
intentional and aligned with your personal values and goals. If
you'd like a complimentary copy of Retire your Fear, Plan

(38:55):
Your Future, we'd be happy to send one to you Simply.
It's all Kelly Financial at eight eight eight eight hundred
eighteen eighty one or email Kelly at Kellafinancial dot org.

Speaker 2 (39:09):
Thank you for spending part of your Saturday with us.

Speaker 4 (39:11):
More informative content is coming your way right here on
Safe Money Strategies and stay with us.

Speaker 3 (39:20):
Safe Money Strategies brought to you by Kelly Financial Services.
Call eight eight eight eight hundred eighteen eighty one or
visit Kelly Financial dot org.

Speaker 2 (39:31):
Welcome back to Safe Money Strategies.

Speaker 7 (39:32):
I'm Mike du said, chief operating officer at Kelly Financial.

Speaker 2 (39:36):
Here with Greg Workman, investment advisor.

Speaker 7 (39:38):
Before the break, we talked about that little word that
seems to find its way into so many conversations. Someday
it's a hopeful word, but if we're not careful, it
can also become a place where our dreams stay parked indefinitely. Greg,
why do you think so many people put off planning
for the life they want?

Speaker 8 (39:55):
I think there are a few reasons, Mike, and none
of them are because people don't care. Life just has
a way of getting in the way. When you're younger,
you're focused on building a career. Then you're raising children,
You're paying for braces, college tuition, maybe helping aging parents.
You're maintaining a home, juggling work responsibilities, and trying to

(40:17):
find time for family and friends. Before you know it,
years have gone by. Most people aren't intentionally putting retirement
planning on the back burner. They're simply busy living life.
I think that's something our listeners can relate to.

Speaker 7 (40:33):
Every stage of life comes with its own priorities, and
there's always another project, another expense, another reason to say
we'll think about that later. But later has a funny
way of arriving much sooner than expected exactly.

Speaker 8 (40:47):
One of the things I hear from retirees all the
time is I can't believe how fast it went. Not
because they have regrets about working hard, they're proud about
what they've accomplished, it's just how that life moved quickly.
That's why I encourage people not to wait until retirement
is six months away before asking themselves key questions. Questions

(41:11):
like what do I want retirement to feel like, What
experiences matter most to me? What traditions do I want
to create with my family? How do I want to
spend my time? Those answers become the foundation of a
solid retirement plan.

Speaker 7 (41:29):
You know what I've noticed over the years, people rarely
regret the meaningful experiences they planned for. They don't usually
say I wish I hadn't taken that family vacation. They
don't say I wish I hadn't spent so much time
with my grandchildren. They don't regret taking that anniversary trip
they've talked about for twenty years. What they regret is waiting,

(41:50):
waiting until they were older, waiting until they had more confidence,
waiting until life slowed down. Sometimes life never slows down.
You simply decide it's time. It's such a great point.

Speaker 8 (42:01):
Financial planning isn't about predicting every twist and turn that
life will take. None of us can do that. It's
about preparing so you're ready when opportunities come along. If
your daughter calls and says, can you watch the kids
next week? It would be nice to say yes. Right.
If your lifelong friends invite you on a trip you've

(42:22):
always wanted to take. Wouldn't it be great to know
that you can enjoy it without wondering if you're making
a financial mistake. Sound planning gives you choices, and choices
create freedom.

Speaker 2 (42:35):
Freedom.

Speaker 7 (42:36):
I think that's one of the best words to describe retirement,
not freedom from responsibility. Freedom to spend your time the
way you choose. Maybe that means traveling, Maybe it means
staying right here in New England and enjoying every season.
Maybe it's volunteering. Maybe it's finally learning to play golf,
or finally admitting golf isn't your game.

Speaker 8 (42:54):
After all, there are plenty of other hobbies. The point is,
retirement isn't about escaping life. It's about creating the next chapter.
And every chapter deserves a little planning. That's one of
the reasons we developed our Safe Money Strategies Workbook. When
people hear the word workbook, they sometimes imagine pages of

(43:18):
complicated financial questions. It's really the opposite. The workbook is
designed to help you organize your thoughts before we ever
sit down together. It asks you to think about your goals,
your priorities, your hopes for retirement. It also helps to
gather the information we need so we can build a

(43:38):
written financial plan that is specific and meaningful to you.

Speaker 7 (43:43):
And one thing I always like to point out is
that it's not homework. The workbook is nineteen pages long,
but only five pages are designed for you to complete.
One page is simply a checklist of documents. Two pages
help organize your monthly expenses. The remaining pages ask a
few straightforward questions that help us understand what's important to you.
We designed it to be simple because retirement planning shouldn't

(44:06):
fail overwhelming exactly.

Speaker 8 (44:08):
People often tell us they wish they had started the
process sooner because it wasn't nearly as difficult as they imagined.
The hardest part is usually taking that first step. Once
you do, everything begins to feel more manageable because you
have a roadmap instead of just hoping everything works out.

Speaker 7 (44:26):
If today's conversation has you thinking about your own someday,
maybe this is the week to take that first step.
Maybe it's time to stop saying we'll get around to it.
Maybe it's time to find out where you stand, whether
retirement is two years away or twenty years away. Having
a written plan can help you move forward with greater confidence.

Speaker 8 (44:44):
And that's exactly why we'd like to offer you a
complementary copy of our Safe Money Strategies Workbook. There's no obligation.
It's simply the same workbook that we use to begin
the planning process with the families and hou souls we serve.
It can help you organize your financial information, think through

(45:05):
your retirement goals, and begin turning someday into an actual plan.

Speaker 7 (45:11):
To request your complimentary Safe Money Strategies Workbook, simply give
our office a call. We'll be happy to send one
out to you, and if you'd like, we'll also schedule
a complimentary meeting to answer any questions and explain how
the planning process works. Whether you eventually become a client
or not, our hope is that you'll have greater clarity
and confidence about your financial future, because.

Speaker 8 (45:31):
At the end of the day, retirement isn't measured by
account balances. It's measured by moments. The family dinners, the vacations,
the afternoons with grandchildren, the quiet mornings with a cup
of coffee, the ability to say yes when life presents
an opportunity. Those are the memories you'll carry with you,

(45:51):
and those are the memories worth planning for.

Speaker 7 (45:55):
That's all the time we have for today. Thanks for
spending part of your weekend with us. For Greg Workman,
I'm Mike du said. We hope you join us again
next week for another edition of Safe Money Strategies. Until then,
enjoy your summer, make some wonderful memories, and don't let
someday stay someday.

Speaker 1 (46:15):
Hi everyone, this is William Kelly. Have you ever wished
you'd learned about money sooner? That's why I wrote Only
the Good invest Young, a simple, encouraging guide with real
world steps anyone can follow.

Speaker 2 (46:27):
I kept seeing the.

Speaker 1 (46:27):
Same thing people wishing someone had explained.

Speaker 2 (46:30):
The basics earlier.

Speaker 1 (46:31):
How to save, build good habits, avoid costly mistakes, and
create momentum even when.

Speaker 2 (46:36):
You're starting small.

Speaker 1 (46:37):
And while all investing involves risk, including the potential loss
of principle, learning the right habits early can make a
meaningful difference over time, whether you're eighteen or eighty. This
book is about confidence, clarity, and taking.

Speaker 2 (46:52):
That first step.

Speaker 1 (46:53):
If you have a child, a grandchild, or someone just beginning,
this is a thoughtful place to start for our listeners.

Speaker 2 (47:00):
We're sending out complimentary.

Speaker 1 (47:01):
Copies just called eight eight eight eight hundred one or
email Kelly at Kelly Financial dot org and we'll send
you one. You can also find it on Amazon or Kindle.

Speaker 2 (47:10):
I'm Willian Kelly, and I hope this book helps someone
you love take their first step.

Speaker 6 (47:15):
Joining us now as she always does at this time.

Speaker 8 (47:20):
She is the.

Speaker 6 (47:21):
Co founder, CEO, and president of Kelly Financial Services, and yes,
that is her wonderful name, Kelly, Kelly Kelly, how are.

Speaker 5 (47:35):
You, good morning, Jeff? I am good.

Speaker 4 (47:38):
When people picture retirement, they often imagine finally having the
time to relax and enjoy life. But what surprises many
is that retirement isn't always what they expected. Without the
routines of work, daily interactions, in a clear sense of purpose,
some retirees can find themselves wondering now what. The good

(48:01):
news is that retirement can be one of the most
rewarding chapters of your life with the right plan. In
my book, Retire Your Fear, Plan Your Future, I talk
about preparing not only financially but emotionally, so you can
move into retirement with greater confidence. If you'd like a
copy of my book, give us a call or email

(48:24):
Kelly at Kellyfinancial dot org. Jeff, have a wonderful weekend.
My best, Grace and the kiddos.

Speaker 6 (48:31):
Thank you, Kelly, all the best to you and everyone
at Kelly Financial. To get a copy of that book,
Retire your Fear, Plan Your Future by Kelly Kelly, and
I urge all of you if you can do get
it call now eight eighty eight hundred eighteen eighty one
eight eighty eight eight hundred eighteen eighty one, or you

(48:53):
can actually email Kelly herself personally Kelly at Kellyfinancial dot org.
That's Kelly Kelly Financial dot org.

Speaker 3 (49:10):
Safe Money Strategies A eight eight hundred one eight eight one.

Speaker 4 (49:18):
Welcome back to Safe Money Strategies. Sometimes the lessons that
stay with us the longest don't come from a textbook
or a financial statement.

Speaker 5 (49:28):
They come from family.

Speaker 4 (49:29):
They come from faith and the memories that shape.

Speaker 2 (49:32):
Who we are.

Speaker 4 (49:33):
In this week's Wit and Wisdom, Bill shares a remarkable
dream about his beloved grandfather and the timeless advice it
carried about perseverance, hope, and believing that brighter days are ahead.

Speaker 5 (49:48):
Here's Bill Kelly.

Speaker 12 (49:51):
I had a dream the other night that was so
realistic that it was incredible. I was walking in a meadow,
a flat meadow. There were no or trees, and it
was thick, thatched green meadow with no flowers, just a
very vibrant green. In the distance, there was a creek,
a river, it was probably twenty yards wide, that ran

(50:14):
down my left and up ahead. It went off to
the left as I looked up to the horizon, so
there was a corner where the creek changed course, and
it was flowing toward me. And the water was deep blue,
The air was still, the sky was blue. It was
a sunny day, but not a bright sunny day. It
was very comfortable. And I was walking along that meadow

(50:36):
and looking along that river bank and looking ahead to
where that river changed course, that creek, and there was
a child sitting there, and I approached the child. When
I got to where the creek turned, there was my son,
William's sitting there and he's almost four now, and I said,
how are you doing? He said, Hi, Daddy, how are you?
He said, there's somebody coming, and he pointed down the

(50:57):
creek and there was a stocky man there, a gray
haired man, very stocky, big broad shoulders, and I knew
in a second, and looking at him, I said to
my son, I said, that's my grandfather. It's Grandpa Murphy,
and my son looked up to me and said, really, Daddy,
I said, yes, I think he's coming to talk with us.
He approached yet a slow gate. Most of his life

(51:18):
he took his time with everything he did, and he
was walking up, taking his time. And when he reached us,
I hugged him, and William ran up and took his hand,
and it was a great time. It was great that
I could see him, and he said, sit down, and
sit down, I want to talk to you.

Speaker 2 (51:34):
How have you been?

Speaker 12 (51:34):
And I could remember all the questions I've had all
my life since my grandfather passed away twenty five years ago,
twenty six years ago. There were things I wanted to
ask him. And I wanted him to tell me some
poems again, and I wanted William to hear those poems.
And I wanted William to hear the stories of the
Irish people in Providence and how they all operated when

(51:56):
they got here, the jokes about the Irish people, the culture. Sure,
we'd call different people by different nicknames, tell us what
they did. There was Mike Fox who always had a
white shirt no matter what he did. It was the
most important thing to him in his life. The fish peddler,
the iceman, all of these things that he had experienced

(52:16):
during his childhood. But my grandfather said, I want to
tell you these stories. I don't have a lot of time,
but I'm here with you to give you some lessons
to help you move ahead. At this point in time,
he sat us down and he said, don't ever let
God go out of your life. And he looked at
my son and he said, don't ever give up on

(52:37):
your dreams. And he looked back to me and he said,
save your money. And he reached in his top pocket
of his flannel shirt and he picked out a passbook
and he said, this is a past book. He said
that I never gave you that I wanted to give you.
He said, I wanted to give you this when we
were in the ambulance going to the nursing home, and

(52:57):
I said, you gave it to me, and you did.
He said, well, I want you to have this, and
he handed it to me. I remember looking at it.
It was from the Industrial National Bank. So in that
dream we talked and he told me that even though
life had dealt him some tough blows, especially in the depression,
with eight children and tenants who could no longer pay

(53:19):
him rent, and a factory that had forty employees where
there was no business, and the fact that he had
to go on to WPA and paint bridges and houses,
but he did it. He said, don't ever give up.
He said, I want to tell you that this country
where you live is the best in the world, and
that the times are going to get tougher, but it's

(53:39):
only a test, and they'll get better as we move ahead.
And when we figure out that the best thing to
do is for people to have jobs. He said, people
want to work. He said, when they have their jobs,
people are going to be a lot happier. And I said, well,
so what you're saying is things are going to get
better and he said, yes, he might get a little worse,

(54:01):
but they're going to get better. And everybody needs to
stick together. And I thought, wow, this is good to
hear this. And I said, what about me? How am
I going to do? He said, you've got to follow
your path, and you have to take care of your son,
and you have to stay true to yourself, to God
and your family. And he said you're going to be fine.
And with that he used to tap dance for me.

(54:21):
When I was a kid, believe it or not, in
the kitchen, and he used to do what we're called
the smokers in vaudeville, so he could earn a quarter
fifty cents. If you could do a three minute act
while someone else was changing, then you could earn some money,
and he could also have some fun. So he started
tap dancing in the meadow and singing an old vaudeville song,

(54:43):
and my son and I were sitting there looking at
him in awe and then he just kind of faded
into the background, and I remember thinking, boy, I wish
I had more time to talk with him. But the
message was clear from the dream, things are going to
get better. It's going to be a little tougher then
we might like in the meantime, but they're going to
get better. So that was an interesting dream. It seemed

(55:05):
like it was real. When I woke up, I had
an envelope full of pictures and family mementos that my
brother Walter had shared with me. It was a big
Manila envelope, so I went to open it and I
dumped the envelope out on the desk, and there was
some school pictures and there were a picture of my
grandfather had a wedding. There was pictures of me in

(55:26):
second grade, and I'm going through the pile of mementos.

Speaker 2 (55:30):
And there was a passbook.

Speaker 12 (55:32):
And back then, when they gave you a passbook and
they canceled it, they would stamp it with a machine
that made holes in it. And it said Industrial National
Bank on it. And I opened it up and it
said Tim Murphy. And it was a passbook just like
the one in the dream. And at the end, he
didn't spend the money. At the end of the passbook,
they ran out of room. And when they used to

(55:53):
do that, they would transfer the amount over to another
passbook and then they would cancel out the old one
and give it to you. So it sort of validated
the dream that I had. The dream and what was
said was that we're going to get back on our feet,
ladies and gentlemen, and I believe that, and it's a
great dream for all of us, and we can do
it by working together, and we will do it by

(56:14):
working together.

Speaker 3 (56:22):
Col Kelly Financial Services eight eight eight hundred, eighteen eighty one.

Speaker 4 (56:27):
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

(56:49):
eighty one or email Kelly at Kellyfinancial dot org.

Speaker 5 (56:53):
We're Kelly Financial. Come retire with us.

Speaker 3 (56:57):
Safe money strategies with William Kelly and Kelly Kelly. Go
to Kelly Financial dot org