Kelly Financial: Saturday, May 23, 2026

See omnystudio.com/listener for privacy information.

Episode Transcript

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

Speaker 2 (00:20):
Ladies and gentlemen, Welcome to Safe Money Strategies. I'm WRKO,
I'm William Kelly, and it's an honor to carry on
a family legacy rooted in real world values and practical advice.
Kelly Financial was founded in two thousand and three by
my parents, my late father Bill Kelly and my mother
Kelly Kelly in Braintree and Burlington, Massachusetts. Just two years later,

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

(01:02):
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 registered investment advisory, where fiduciary care and our family
first philosophy guides us on safe money strategies. You'll hear
candid conversations with the team, my mother Kelly, myself, advisors

(01:26):
Charlie Gable, Mike Ducett, Greg Workman, Greg Murray, my sister Mary, Madeline,
Tom Schleger, and Josh Smith. We live by two rules,
never quit and carry on, and we're here to help
you do the same when it comes to your money.
Stick around, take notes and join the conversation. To learn
more or get our free guides or schedule consultation, visit

(01:46):
Kelly Financial dot org or call us at eighty eight
eight eight hundred one eight eight one. This is Safe
Money Strategies. Next up Forever Young with Kelly Kelly 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 (02:12):
Each week on Safe Money Strategies, we take a moment
to step back from the headlines and have a real conversation,
the kind you might have around the kitchen table.

Speaker 5 (02:22):
This is a part of the show.

Speaker 4 (02:23):
We call Forever Young is where I sit down with
my handsome son, William Kelly Junior, and we talk about life,
what's going on in the world, and our family and
what really matters most when you're planning for the future.
Sometimes it's light, sometimes it's thoughtful, but is always real.

Speaker 1 (02:42):
Good morning, William, Good morning Mom. How are you.

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

Speaker 2 (02:47):
I am fantastic, And first off, I know my mom
always calls me handsome, and I don't think I mentioned
the fact how beautiful you are.

Speaker 5 (02:55):
Thank you, William.

Speaker 2 (02:56):
Enough on the show, she looks twenty years younger than
she actually is actually thirty years old. Ten years old. Okay,
there we go.

Speaker 1 (03:07):
So her son doesn't know how to do math.

Speaker 2 (03:09):
So you know, when I become a financial advisor, note
very comfortably that I don't know how to do math.
So if that makes you feel very safe, and.

Speaker 5 (03:16):
I will, yeah, I have to stop it.

Speaker 2 (03:18):
But jokes aside, crazy life has been incredible. We've been
getting some sun and just enjoying some good food. I've
been using and abusing the grill upstairs, and Georgia and Marshall,
I've been begging for my food. Well, anyways, something very
interesting came across my desk when I was studying on
my computer, you know, and I was just going through

(03:42):
my email, which you know I do very infrequently, but
when I do, I go through everything and I see
this email at the top, and it's this gentleman who's saying, Hey,
I run a TV show up and Lowell. I'm one
of these like you know, kind of like Channel eight channels,
and I'm eighty four years old. I read your book

(04:02):
and I thought it was a great primer, especially for
young people starting to invest. I started when I was
twenty eight, and I think he resonated with it very well.
And he said, I would like, you know, I'm going
to talk to my producer. I think i'd like to
have you on my show that I host, Excellent. It's
on Monday and Fridays at seven to eight am. Okay,

(04:24):
and I think they have a more senior audience as well.
But he said the producer specifically is just very you know,
he's kind of worried about financial literacy for young people.
And with that statement, I agree, it's very rare you
find someone who's very financially literate my age and especially
in gen Z and less so millennials, but mostly gen Z.

(04:46):
And so I think what he wants is he wants
to ask some questions about money management, about in the
personal and in the investing side, and good spending habits
and spending management.

Speaker 1 (04:59):
As well well, and very good.

Speaker 2 (05:02):
I'm excited to talk about it, but I got to
figure out a date and how we'd like to do this,
whether we pre record this or whether I go on
live Ladies and gentlemen. I have a slight problem where
when I study, I study quite late into the night
and quite late, and it's nothing unusual. I'm twenty years old.

(05:22):
My circadium rhythm is set up to be that way.
When you're still a young man, staying up late is
a little bit easier, so I tend to work a
little bit better. So preferably i'd like to pre record this,
but I was very honored. Honestly, it felt very good.
This is the first kind of offer besides WRKO where

(05:43):
I've been able to sort of speak about my book,
besides in physical settings on a TV station. That's very incredible.
So apparently it's being very well received and people are
finding it very helpful for their children.

Speaker 4 (05:56):
Hey William, Yeah, we're still sending out the numerous books.

Speaker 2 (06:01):
I'm signing them, Yes you are. I love signing each book.

Speaker 5 (06:06):
I know you do.

Speaker 2 (06:07):
It makes me feel very satisfied. And if you'd like
a free copy, please give us a call. We'll absolutely
send you one, and especially if a grandchild or a child.
It's tailored for people ages like eighteen to twenty eight,
but if you're in your thirties and forties, it absolutely
can still apply to you. If you're in your eighties
or nineties, you could still learn something new and it

(06:27):
has a lot of good financial concepts in there, especially
regarding investment management. Yes, so I highly recommend you check
it out. I will speak. I know I'm very biased,
as I'm the one who wrote the book, but I
did spend about a year on it, and I did
a lot of due diligence, and if at any point
you're sick of hearing from me. I included a lot
of people who worked in different industries, in different fields,

(06:50):
and these people gave their five best pieces of financial
or just life advice that they could give, whether they're
financial advisors, or whether their mortgage broke, or whether they're
in real estate or radio or anything. Very successful people
in their own fields, and they gave some incredible advice,
and not just what to do if you've made it

(07:11):
or anything, but a lot of them talked about their
upbringing and when they are struggling and how they managed
to get by, and especially if you're a young man
or woman and you have just gotten into the real
world and you may be struggling. I talk about debt,
they talk about how they managed and pushed through it
and what was important to them. Those are the key
concepts that I wanted to focus on because knowledge is power,

(07:34):
and if you have that power, it can change your life.
And I wanted to put that into a book. So
ladies and gentlemen, if you would like a free copy,
we will give you one. If you'd like to order
it on Amazon, it is on Amazon only the good
invest young ladies and gentlemen. So I will certainly be
talking about it at seven to eight am on the
Lowell TV station or hopefully pre recorded.

Speaker 1 (07:57):
Because I.

Speaker 2 (07:59):
Want to It's not that I don't want to do
it live. It's just that I want to be awake
when I do it.

Speaker 5 (08:04):
You're funny, William.

Speaker 2 (08:05):
These are always good times.

Speaker 1 (08:07):
Yes, you know what I mean.

Speaker 2 (08:07):
And I'm just so happy that the book is made
so much traction lately, but on more solace matters. It's
a Memorial Day weekend and today is Saturday, so it
was the first day of Memorial Day weekend. God blessed everybody.
God bless the people who have served in the United
States any service. We want to thank you from Kelly
Financial and also from our family. We pray that you

(08:29):
have a very RESTful weekend. And for those who died
for our country, thank you very much for your service.
You took a sacrifice for something that no person would
ever want to do. And here you and I are
sitting very comfortably with a very successful business, with an
incredible life, with incredible people in our lives, with incredible clients,
and we would not have this world that we have

(08:50):
today if it were not for you, we would not.
So thank you very much and God bless you all.

Speaker 4 (08:57):
Absolutely do keep us on your dial. We've got a
lot of great content coming your way. Might do set
in Greg Workman. We'll discuss how even well prepared retirees
can unknowingly leave money on the table through small planning inefficiencies,
and what it really means to be financially optimized in retirement.

(09:18):
Mary Madeline Kelly and Greg Murray. We'll talk about how
to enjoy the summer season without losing sight of your
long term financial goals, from intentional spending and avoiding comparison
driven decisions to staying consistent with your overall financial plan.
When William and I return, we'll take a closer look

(09:38):
at how to enjoy the summer season without falling into
the trap of overspending and creating unnecessary financial stress later on,
and of course we'll close the hour with some wit
and wisdom from the late Bill Kelly. His words continue
to inspire and guide us. That's a wrap for forever.
Young thank you for listening, and William, thank you for

(10:00):
joining me.

Speaker 5 (10:01):
We'll be back with more great content.

Speaker 4 (10:03):
I love you, honey, I love you too.

Speaker 6 (10:12):
Okay, my friends, let me tell you about Kelly Financial.
You know how families will sit around the table and
debate politics, argue about sports, even who makes the best
potato silad, But talk about your estate plan, your healthcare wishes,
what happens if something goes wrong. Many families avoid it altogether,
and that's where problems can begin. Confusion, stress, sometimes even

(10:36):
real family conflict, all because those conversations never happened. Well,
that's why Kelly Financial put together a helpful guide. It
is called the Greatest Gift Outline your wishes with an
estate plan. It is designed to help you organize your thoughts,
put your wishes in writing, and give your family clarity
where it matters most, because putting it off today can

(10:59):
make things more much more difficult tomorrow. So to get
your free copy, call eight eight eight eight hundred eighteen
eighty one eight eight eight eight hundred eighteen eighty one
or email Kelly at Kelly Financial dot org Kelly at
Kelly Financial dot org.

Speaker 7 (11:17):
Welcome back to Save Money Strategies. I'm like you said,
joined as always by Greg Workman, investment advisor here at
Kelly Financial and Greg, I think last week's conversation really
struck a chord with people.

Speaker 8 (11:27):
It did, Mike. We spent some time asking a pretty
important question, are you actually optimized for retirement? And what
we found is a lot of folks are doing many
of the right things. They've saved, they've invested, they've worked
with advisors, but when you really look under the hood,
things aren't as coordinated as they could be.

Speaker 7 (11:47):
Right And I think that's the keyword, coordinated, because last
week wasn't about whether someone has a plan, It was
about whether all the pieces of that plan are actually
working together exactly.

Speaker 8 (11:57):
And what we want to do this week is take
that one step for because today's show is really about
something that we see all the time, and honestly, it
surprises people when we walk them through it.

Speaker 7 (12:08):
Yeah, and that is the idea that you can be
doing seventy even eighty percent of things right and still
leave a significant amount of money on the table over time.

Speaker 8 (12:17):
That's right. We call it the hidden costs of being
almost optimized. And the tricky part is it doesn't feel
like anything is wrong. There's no red flag, no major mistake,
just a series of small inefficiencies that one compounded over
twenty or thirty years of retirement can have a big impact.

Speaker 7 (12:39):
So let's frame this the right way for listeners. We're
not talking about people who made poor decisions or took
on too much risk.

Speaker 8 (12:46):
Not at all. In fact, most people we're talking about
our disciplined savers. They've done a lot right. But retirement
today isn't just about accumulating a lot of assets in
the nest eck. It's about how you draw them down,
how you manage taxes when you take income, and how
all of those decisions now mattered just as much as

(13:08):
the saving phase.

Speaker 7 (13:09):
And that's where we start to see those gaps. Let's
walk through a very typical example. And as always, this
is a hypothetical case, but it reflects real life situations
we see all the time. Let's call this couple John
and Linda, both recently retired ages sixty four and sixty two,
about one point two million saved across iras, a four

(13:29):
oh one K and a brokerage account, no pension, so
they're relying on their investments and social security. On paper, Greg,
they look like they're in great shape.

Speaker 8 (13:37):
Yeah, if you looked at that snapshot, most people would
say they've done everything right exactly.

Speaker 1 (13:44):
And when they first came in, that's how they felt.

Speaker 7 (13:46):
They had an advisor, they had an allocation, they had
a withdrawal strategy. But when we started digging in, we
found a few areas where things weren't quite aligned. And
this is where it gets interesting, because none of these
were glaring mistakes right.

Speaker 8 (14:00):
Start with social Security. John was planning to take his
benefit at age sixty five. Linda was going to claim
at age sixty two. Now that's not inherently wrong, but
when we modeled it out, given their asset base and
income needs, delaying John's benefit to age seventy created a
significantly higher guaranteed income stream later on in life.

Speaker 7 (14:24):
So the issue wasn't that they were making a bad decision.
It's that the decision wasn't optimized in the context of
everything else.

Speaker 8 (14:32):
Exactly, it wasn't coordinated with their broader plan.

Speaker 1 (14:35):
What else did you find?

Speaker 8 (14:36):
The next big idea was withdrawal strategy. They were pulling
income proportionately from all accounts IRA Brokerage and four oh
one K because it felt balanced and simple. But from
a tax standpoint, that approach was creating unnecessary taxable income
in years where they actually had an opportunity to be

(14:59):
more strategic.

Speaker 7 (15:00):
So instead of taking advantage of lower tax brackets early
in retirement, they were kind of drifting into higher ones unintentionally.

Speaker 8 (15:07):
That's exactly right, and over time that can impact not
just your annual taxes, but also things like Medicare premiums
and the taxation of social security down the road.

Speaker 1 (15:19):
And this is where the hidden costs really starts to
show up.

Speaker 8 (15:22):
It does because if you look at any one of
these decisions in isolation, the difference might not seem dramatic,
but when you layer them together, suboptimal social security timing,
inefficient withdrawal sequencing, and lack of tax coordination. Well, you
start to see a compounding effect over time, and.

Speaker 7 (15:44):
That's what most people don't see when they're just looking
at their account balance year to year exactly.

Speaker 8 (15:49):
The portfolio might look fine, the statements might look fine,
but underneath the surface, there's an opportunity cost building quietly
in the background.

Speaker 1 (15:57):
So why is this such an important conversation for people
right now?

Speaker 8 (16:00):
Because the transition into retirement is when these decisions matter most,
when you're saving the focus's growth. But once you retire,
it becomes about efficiency, how long your money lasts, how
much you keep after taxes, and how predictable your income is.
And if those pieces aren't aligned early on, it becomes
harder to fix later.

Speaker 1 (16:21):
And this really ties back to what we talked about
last week.

Speaker 2 (16:24):
It does.

Speaker 8 (16:25):
Last week was about asking the question are you actually optimized?
This week is about understanding that even if you're close,
even if you've done a lot right, there could still
be meaningful opportunities to improve your outcome.

Speaker 7 (16:39):
When we come back, we're going to continue walking through
John inlnd to situation and show you how small adjustments
without taking on more risk can potentially create a more
efficient and predictable retirement plan.

Speaker 8 (16:51):
And we'll also talk about some of the most common
areas where people unknowingly leave a lot of money on
the table and what you can start to do about it.

Speaker 9 (17:00):
You are listening to safe money strategies, will be right back,
Kelly Financial Services A eight eight hundred eighteen eighty one.

Speaker 10 (17:12):
It's sorry what you're gone. That's important, but it's the
challenge it has.

Speaker 11 (17:16):
Been, Sir Edmund Hillary said those words after reaching the
summit of Mount Everest. But in climbing, the decent is
just as perilous as the acent, and the same is
true in retirement planning. Learn why Call Kelly Financial Services
today for a retirement consultation Call eight eight eight eight
hundred eighteen eighty one or visit Kellyfinancial dot org. What

(17:38):
goes up must come down. We're Kelly Financial. Come retire
with us.

Speaker 4 (17:42):
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 advice is really putting you first.

Speaker 5 (18:02):
For the book.

Speaker 4 (18:02):
Call eight eight eight eight hundred and eighteen eighty one
or email Kelly at Kellyfinancial dot org. We're Kelly Financial.
Come retire with us.

Speaker 3 (18:12):
The Money Wrap with Kelly Financial Advisors Greg Murray and
Mary Madeline Kelly.

Speaker 1 (18:19):
Good morning.

Speaker 12 (18:20):
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. How are you
doing today?

Speaker 13 (18:29):
I'm doing great, Greg. I am spending this long weekend
down in New Jersey with some friends celebrating Memorial Day,
and honestly, this time of year just makes people happier.
The weather is nicer, everyone's outside, more vacations are starting up,
and it feels like people are finally getting to enjoy
themselves again after a long winter.

Speaker 12 (18:49):
Absolutely, summer always brings a different energy. People are traveling,
going out to dinner, more, spending time with family and friends,
and naturally, spending tendency increase this time here two.

Speaker 13 (18:59):
Excep and that ties perfectly into today's topic because we're
talking about summer spending and how to enjoy life without
losing track financially.

Speaker 12 (19:08):
And I think this is such an important conversation, because
sometimes financial advice can sound overly restrictive, like you're supposed
to say no, everything fun.

Speaker 13 (19:16):
Right, and that's not realistic. Financial planning shouldn't make you
feel guilty for enjoying your life. The goal is balanced,
being intentional with your spending while still making room for
experiences and memories.

Speaker 12 (19:28):
Because, let's be honest, summer often comes with extra expenses travel, weddings, concerts,
call f outings, weekends away, eating out more frequently. It
adds up.

Speaker 13 (19:37):
Quickly, and the problem usually isn't the spending itself. It's
when spending becomes unplanned or disconnected from your bigger financial picture.

Speaker 12 (19:45):
That's a great distinction. Spending intentionally is very different from
spending reactively.

Speaker 13 (19:50):
Yes, one of the best things people can do is
decide ahead of time what they actually want to prioritize
this summer. Maybe it's one big family trip, maybe it's
concert and dinner with friends, Maybe it's experiences with kids
or grandkids.

Speaker 12 (20:04):
Because when you identify what matters most, it becomes easier
to spend confidently on those things and cut back on
the things that don't matter as much.

Speaker 13 (20:11):
Another important point is avoiding the comparison trap. Summer especially,
can make people feel pressure to keep up seeing vacations, restaurants,
and expensive experiences all over social media, and.

Speaker 12 (20:23):
That pressure can quietly lead people into overspending or lifestyle
inflation without even realizing it.

Speaker 13 (20:28):
Yes, and financial confidence usually comes from alignment, not comparison.
Your spending should reflect your goals and priorities, not someone
else's highlight reel.

Speaker 12 (20:38):
Another thing we talk about with clients is maintaining consistency
with saving during the summer months.

Speaker 13 (20:43):
Exactly, it's okay to enjoy seasonal spending, but ideally your
long term habits stay intact, continuing retirement contributions, maintaining emergency savings,
staying disciplined with your overall plan.

Speaker 12 (20:55):
Because small disruptions can sometimes still fall if they become
long term patterns, and that's.

Speaker 13 (21:00):
Why automation can help so much. If savings and investing
continue automatically, it's easier to enjoy your summer spending without
constantly worrying about whether you're falling behind.

Speaker 12 (21:10):
Another thing people should keep in mind is that experiences
themselves often have value beyond dollars spent.

Speaker 13 (21:16):
Absolutely, travel time with family, shared memories. Those things matter.
Financial planning isn't about accumulating money for the sake of it.
It's about supporting a meaningful life.

Speaker 12 (21:26):
And of course every financial situation is different. Some people
may need to be more cautious depending on debt levels,
retirement goals, or cashlow needs.

Speaker 13 (21:33):
Right, and as always, investing involves risk, including the potential
loss of principle, and financial decisions should be made within
the context.

Speaker 5 (21:41):
Of your overall plan.

Speaker 12 (21:42):
But the key takeaway is that enjoying your life and
being financially responsible are not mutually exclusive exactly.

Speaker 13 (21:49):
You can absolutely enjoy summer while still staying aligned with
your long term goals.

Speaker 12 (21:54):
So for our listeners, a few simple reminders this summer.
Be intentional about spending, prioritize what matters most, avoid comparison
driven decisions, and stay consistent with your long term financial habits.

Speaker 13 (22:05):
Because when you're spending the lines with your priorities, you
tend to enjoy it a lot more and stress about
it a lot less.

Speaker 12 (22:11):
Well said, that's going to wrap things up for today.
If you like how balancing lifestyle goals with long term
financial planning, give.

Speaker 1 (22:17):
Us a call.

Speaker 12 (22:17):
We'd be happy to talk you through your situation.

Speaker 13 (22:20):
Absolutely, Thanks Greg, and enjoy your long weekend.

Speaker 3 (22:23):
To get in touch with Greg Murray or Mary, Madeline
Kelly or any member of the Kelly Financial team, call
at eight eight hundred eighteen eighty one. Safe Money Strategies
with William Kelly and Kelly Kelly. Call the team on
at eight eight hundreds eighteen eighty one.

Speaker 4 (22:46):
Take in Care, Welcome back to Save Money Strategies. I'm
Kelly Kelly alongside my son William Kelly Junior and William.
This is actual a really timely conversation because I think
a lot of people underestimate just how expensive the summer

(23:07):
months can quietly become. And the interesting part is it
really doesn't happen because of one massive purchase. It's often
a lot of little things that slowly start adding up
over time.

Speaker 2 (23:21):
Absolutely, and I think some are spending feels different psychologically.
People are happier, they're more social, they're out and about
more often, and spending simply starts to feel more normal.
You're grabbing dinner outside, maybe taking more day trips, helping
with family events, going to graduations, weddings, cookouts, birthdays. None
of those things feel irresponsible individually.

Speaker 4 (23:43):
Exactly, and retires especially can fall into that pattern because
summer feels like a season you're supposed to enjoy. Your
children and grandchildren are around, more friends or traveling, people
are outdoors. There's almost this emotional pressure to make the
most of the season.

Speaker 2 (24:04):
And I think sometimes people budget very carefully for the
holidays in December, but they don't really think about summer
the same way. Meanwhile, summer can rival the holidays financially
for so many families.

Speaker 5 (24:14):
You know what, William, that is a very good point.

Speaker 4 (24:17):
People prepare for Christmas shopping months ahead of time, but
they rarely sit down and say, what are we probably
going to spend the summer, And then September arrives and
they're surprised at how much money has actually disappeared.

Speaker 2 (24:34):
And what makes it tricky is a lot of the
purchases don't feel serious in the moment. Maybe it's extra
dinners out, stopping for ice cream with the grandkids, spuying
tickets to a concert, landscaping projects, or little things around
the house. Individually, they don't feel like financial decisions, but
collectively they can become significant.

Speaker 4 (24:52):
I always say summer spending rarely feel stressful in the moment.
The stress usually shows up like.

Speaker 2 (25:00):
That's exactly right, and Once spending starts to feel normal,
people begin justifying purchases they might normally question during other
parts of the year.

Speaker 4 (25:09):
Now, another major driver of summer spending is travel, and
I want to say there is absolutely nothing wrong with travel.
We want people enjoying retirement. But travel can become surprisingly expensive,
and even relatively simple trips can cost more than people expect.

Speaker 2 (25:29):
Absolutely airfare can be expensive, hotels can be expensive, Dining
costs quickly out up, Entertainment costs do too. Even a
relatively simple trip can end up costing far more than
people originally plan.

Speaker 4 (25:42):
For, and grandparents are often very generous.

Speaker 5 (25:46):
They want to.

Speaker 4 (25:47):
Help pay for outings and meals and vacations, activities with
children and grandchildren. Again, that comes from a wonderful place emotionally,
but emotional spin can sometimes override practical planning, and.

Speaker 2 (26:03):
I think social media has made this even harder. People
constantly see images of vacations, renovations, beautiful outdoor spaces, luxury experiences.
Even if someone doesn't consciously compare themselves, there's still the
subtle pressure to keep.

Speaker 4 (26:17):
Up, especially in retirement, where people sometimes feel like I
worked hard my whole life, I deserve this, And there's
truth to that, but there still has to be balanced
because lifestyle inflation can quietly become a long term habit
if you're not paying attention.

Speaker 2 (26:38):
Summer memories are important, but financial peace of mind matters.

Speaker 4 (26:42):
Too, and vacations are only part of the picture. Summer
also becomes the season where people start tackling home projects, and.

Speaker 2 (26:51):
Those projects often cost more than expected.

Speaker 5 (26:54):
That's usually how it goes.

Speaker 2 (26:56):
People start with a simple idea. Maybe it's landscaping, maybe
it's painting the maybe it's updating a patio or replacing
outdoor furniture. Then suddenly there are upgrades, contractor costs, unexpected repairs,
higher material prices, and the project grows and retires.

Speaker 4 (27:12):
Sometimes fall in the mindset of trying to create the
perfect retirement lifestyle, maybe the perfect backyard, the perfect entertaining space,
the perfect summer setup.

Speaker 2 (27:26):
Especially if neighbors or friends are doing similar projects exactly.

Speaker 4 (27:29):
And sometimes it's not even the major luxury purchases that
hurt the most financially is the constant little upgrades that
quietly add up month after month.

Speaker 2 (27:41):
Even purchases like grills, outdoor furniture, boats, RVs, or recreational
equipment come with ongoing ownership costs. People don't always fully
think through maintenance, storage, insurance repairs. Those costs continue long
after the initial excitement fades.

Speaker 4 (27:58):
And then there's what I call convenient spending, which becomes
very common during the summer.

Speaker 2 (28:04):
Months because people are simply out more often.

Speaker 4 (28:07):
Exactly, more coffee stops, more lunches out, more dinners outside,
more concerts, sporting events, ice cream runs, day trips, and
summer has a way of making all that spending feel casual.

Speaker 2 (28:23):
Until the credit card statements arrive. That's right, and utility
costs can rise too, air conditioning, water usage, landscaping, entertaining
at home. People don't always realize how much seasonal living
changes their monthly expenses, and because many.

Speaker 4 (28:37):
Of the purchases are smaller individually, people sometimes stop paying
close attention to them. That's one of the biggest financial
traps during the summer months.

Speaker 2 (28:48):
I think that's important because overspending doesn't just affect finances,
it creates stress later by at time fall arrives, some
people suddenly realize they've spent far more than they.

Speaker 4 (28:57):
Intended, and then they start feeling guilty or financially behind.

Speaker 5 (29:02):
Maybe they relied.

Speaker 4 (29:04):
Too heavily on credit cards, maybe savings slowed down, Maybe
they simply lost some confidence in where things stand financially.

Speaker 2 (29:14):
And if those habits repeat year after year over time,
it can begin affecting financial flexibility and retirement.

Speaker 4 (29:20):
Which is why balance matters so much. Retirement should feel freeing,
not financially exhausting.

Speaker 2 (29:28):
Unfortunately, enjoying summer responsibly does not mean giving up everything
you enjoy exactly.

Speaker 4 (29:34):
It's really about awareness and intentional decision making, and honestly,
that's one of the reasons I wrote my book Retire
Your Fear, Plan Your Future because so much financial stress
comes from uncertainty and not fully understanding how spending decisions
affect your long term.

Speaker 2 (29:54):
Picture, and summer spending habits often reveal bigger financial patterns,
emotional decision making, lifestyle inflation, and simply losing visibility over spending.

Speaker 4 (30:03):
My book, Retire Your Fear, Plan in Your Future was
written to help people better understand retirement confidence, lifestyle expectations,
and long term financial preparedness.

Speaker 2 (30:15):
And the goal is not to create fear. The goal
is to help people gain greater clarity and confidence.

Speaker 4 (30:21):
Exactly, because you deserve to enjoy retirement, but you also
deserve confidence and peace of mind while you're enjoying it.

Speaker 2 (30:30):
If you'd like a complimentary copy of Kelly's book, Retire
Your Fear, Plan Your Future, you can reach out to
us at Kelly Financial.

Speaker 4 (30:37):
And when we come back, we're going to talk about
practical ways to enjoy summer without letting spending spiral out
of control. Stay with us right here on safe money strategies.

Speaker 3 (30:52):
Through safe money Strategies brought to you by Kelly Financial Services.
Call eight eight eight eight hundred eighteen eight or visit
Kelly Financial dot org.

Speaker 11 (31:03):
Roll There's nothing like the crew races on the Charles River.
When the boats cross the finish line, all the components
must be functioning consistently at exceptional levels. High performance equipment,
mentally tough and physically fit rowers, the passion to win,
and perhaps most importantly, seamlessly integrated teamwork. Likewise, the retirement

(31:27):
rivers we row also require these very qualities. Who's part
of your retirement crew? For more than twenty three years,
the advisors at Kelly Financial Services have helped families in
the Greater Boston area take command of their financial futures.
So call eight eight eight eight hundred and eighteen eighty one,
or visit Kellyfinancial dot Org for an appointment at Kelly Financial.

(31:51):
We believe you've got to have the right team and
crew and in retirement, how will you cross the finish
line here Kelly Financial Services.

Speaker 14 (32:00):
Come retire with us Safe Money Strategies with William Kelly
and Kelly Kelly call the team on eight eight eight hundred,
eighteen eighty one.

Speaker 4 (32:11):
Take care, Welcome back to Safe Money Strategies. I'm Kelly
Kelly alongside my son William Kelly Junior, and before the
break we were talking about how quickly summer spending can
quietly spiral out of control if people are not paying attention.

(32:34):
But William, I think the important message here is that
enjoying summer and being financially responsible are not mutually exclusive.
People do not have to choose one or the.

Speaker 2 (32:48):
Other absolutely, And I think that's important because sometimes when
people care conversations about budgeting or spending, they immediately assume
it means cutting out all the fun or becoming overly restrictive.
But that's really not what this is.

Speaker 5 (33:00):
All about exactly.

Speaker 4 (33:01):
This is really about intentional decision making because when people
plan ahead even a little bit, summer becomes far less
stressful financial ath.

Speaker 2 (33:12):
And honestly, one of the simplest things people can do
is just estimate their summer expenses before the season gets busy, travel,
dining out, family activities, concerts, home projects, gifts for grandchildren.
Simply thinking ahead creates.

Speaker 4 (33:25):
Awareness, and awareness alone often changes behavior. People tend to
make better financial decisions when they're paying attention rather than
simply reacting emotionally in the moment.

Speaker 2 (33:38):
And retirees especially have an advantage because many are no
longer tied to rigid schedules. That flexibility can create opportunities
to save money without necessarily sacrificing enjoyment.

Speaker 4 (33:49):
That's such a good point. People sometimes assume retirement automatically
means expensive travel and NonStop activities. Any of the best
summer memories are actually much simpler than that.

Speaker 2 (34:04):
Absolutely time with family, backyard cookouts, speech days, community events,
local concerts, picnics, even just slowing down and spending meaningful
time with the people you care about.

Speaker 4 (34:16):
And often those simpler experiences end up being the most
memorable anyway.

Speaker 2 (34:22):
I think sometimes people unintentionally complicate retirement because they feel
pressure to constantly create extraordinary experiences, but meaningful experiences do
not always require extraordinary spending exactly.

Speaker 4 (34:33):
And social media can distort that too. People constantly see
expensive vacations, luxury resorts, elaborate renovations, and they start feeling
that's what retirement is supposed to look like.

Speaker 2 (34:48):
When in reality, many people feel most financially confident or
simply living in a sustainable way that aligns with their priorities.

Speaker 4 (34:55):
And honestly, peace of mind is part of enjoying retirement.
If someone spends the entire summer worried about credit card
balances are feeling financially stretched, that takes away from the
experience too.

Speaker 2 (35:11):
Absolutely, financial confidence often starts with simply paying attention.

Speaker 4 (35:16):
Another thing people often overlook is how much planning ahead
can reduce costs. Even simple travel planning can make a
significant difference.

Speaker 2 (35:28):
Definitely, flexible travel dates, traveling slightly off peak, using rewards points,
looking for senior discounts, or planning shorter regional trips can
all help reduce expenses substantially.

Speaker 4 (35:40):
And retirees often have flexibility that younger families don't have.
They're not always tied to school schedules or limited vacation
windows exactly.

Speaker 2 (35:51):
Sometimes even shifting travel by a few days can reduce airfare,
hotel costs, or overall demand pricing.

Speaker 4 (35:57):
And I also think people underestimate the value of shorter
trips or even local staycations.

Speaker 2 (36:03):
Absolutely, sometimes the smartest travel strategy is slowing down instead
of constantly upgrading the experience.

Speaker 4 (36:09):
That's such a good line because I think many people
feel pressure to make every trip bigger, longer, and more elaborate.

Speaker 2 (36:17):
One often the opposite creates less stress and more enjoyment.

Speaker 4 (36:21):
And another practical strategy is setting aside a specific amount
for summer fun.

Speaker 5 (36:27):
That way people can enjoy.

Speaker 4 (36:28):
Themselves without second guessing every purchase.

Speaker 2 (36:32):
I think that's very helpful psychologically because there removes some
of the guilt, and if you've planned responsibly, then you
can enjoy the experience more fully.

Speaker 4 (36:40):
Exactly, and the goal here is not perfection, The goal
is balanced.

Speaker 2 (36:45):
And honestly, small habits often matter more than massive financial
changes anyway. Absolutely, meal planning, reducing unnecessary convenience spending, limiting
impulse purchases, reviewing subscriptions, being mindful about dining out. Those
smaller habits often create more financial stability than people realize, and.

Speaker 4 (37:03):
Those habits often reduce stress because people stop feeling like
money is constantly disappearing without explanation.

Speaker 2 (37:12):
That's right, because financial freedom often comes from habits, not headlines,
and one.

Speaker 4 (37:17):
Of the biggest habits people can develop is simply pausing
before emotional purchases.

Speaker 2 (37:23):
Especially during the summer when spending opportunities are everywhere.

Speaker 4 (37:27):
Exactly, Sometimes just taking a moment before making a purchase
can completely change the decision.

Speaker 2 (37:35):
And I think that comparison is another major issue that
people need to be careful about, absolutely, because comparison creates pressure.
People start feeling like they need to keep pace with neighbors, friends,
or what they see online.

Speaker 4 (37:46):
And that's a dangerous mindset financially because there will always
be someone spending more money, traveling more often, or living
more extravagantly.

Speaker 2 (37:57):
But that does not necessarily mean that they're financially comfort.

Speaker 4 (38:00):
Exactly, and the healthiest retirement lifestyle is usually the one
that is sustainable emotionally, physically, and financially.

Speaker 2 (38:11):
And I think that's where clarity becomes important. People who
feel most confident retirement are often the people who truly
understand their priorities and make decisions that support those priorities
consistently and honestly.

Speaker 4 (38:22):
That's one of the reasons I wrote my book Retire
Your Fear, Plan Your Future, because retirement confidence is not
about eliminating enjoyment from your life. It's about understanding how
your choices fit into the bigger picture.

Speaker 2 (38:38):
And that bigger picture includes emotional spending, habits, lifestyle expectations,
long term planning, and maintaining flexibility over time.

Speaker 5 (38:46):
Exactly.

Speaker 4 (38:47):
My book Retire Your Fear, Plan Your Future was written
to help people think more clearly about those decisions and
better understand how financial confidence is often connected to everyday habits.

Speaker 2 (39:02):
And one thing we see often is that people feel
better financially when they feel organized. When they understand where
things stand, they usually make calmer and more intentional decisions.

Speaker 4 (39:12):
That's so true, because uncertainty create stress, clarity creates confidence.

Speaker 2 (39:19):
That's really the goal, helping people make thoughtful decisions without
feeling fearful or overwhelmed.

Speaker 4 (39:24):
Exactly, because retirement should still be enjoyable. People should enjoy vacations,
they should enjoy their family, they should enjoy experiences at
making memories. But they also deserve peace of mind long
after summer ends.

Speaker 2 (39:41):
And if you'd like a complimentary copy of Kelly's book,
retire your fear, plan your future. We'd love to send
you on.

Speaker 4 (39:48):
And if you'd like to continue the conversation with our
team at Kelly Financial, you can always reach out to
us directly.

Speaker 2 (39:56):
Enjoy your summer, but enjoy it in a way that
protects your long term piece of mine.

Speaker 4 (40:00):
We'll see you next week right here on Safe Money Strategies.

Speaker 3 (40:07):
Safe Money Strategies brought to you by Kelly Financial Services.
Call eight eight eight eight hundred eighteen eighty one or
visit Kelly Financial dot org.

Speaker 1 (40:18):
Hi everyone, this is William Kelly.

Speaker 2 (40:20):
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. I
kept seeing the same thing people wishing someone had explained
the basics earlier. How to save, build good habits, avoid
costly mistakes, and create momentum even when.

Speaker 1 (40:39):
You're starting small.

Speaker 2 (40:40):
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 that first step.
If you have a child, a grandchild or someone just beginning.
This is awful place to start for our listeners. We're

(41:02):
sending out complimentary copies. Just called it a day to eight,
eight hundred twenty day one or email Kelly at Kellyfinancial
dot org and we'll send you one. You can also
find it on Amazon or Kindle. I'm William Kelly, and
I hope this book helps someone you love take their
first step.

Speaker 7 (41:17):
Welcome back to Safe Money Strategies. I'm Mike du sat
here with Greg Workman before the break. We were walking
through the idea that many retirees are close to being optimized,
but that last twenty percent can make a meaningful difference
over time.

Speaker 8 (41:31):
That's right. We started discussing John and Linda, a hypothetical
example but very typical of what we see day in
and day out, where there was nothing necessarily wrong, but
a few key areas were not coordinated.

Speaker 1 (41:45):
So great, let's pick that back up.

Speaker 7 (41:47):
Once you identify to those gaps social security timing withdrawal strategy,
what did you actually change?

Speaker 8 (41:53):
Great question, and this is important because we didn't overhaul
their entire plan or introduce more risk. We made targeted adjustments. First,
we looked at social security timing. By delaying John's benefit
to age seventy, we increased his guaranteed income significantly. That
gave Linda more flexibility and created a stronger income floor

(42:16):
later in retirement. Second, we reworked their withdrawal strategy. Instead
of pulling proportionately from every single account, we mapped out
which accounts to draw from and when based on tax efficiency.

Speaker 1 (42:31):
So now you're being intentional about which dollars are coming
out first.

Speaker 8 (42:35):
Exactly early in retirement, when their income was lower, we
strategically drew more from tax deferred accounts that allowed us
to take advantage of lower tax brackets and reduce the
size of future required minimum distributions from their qualified retirement accounts.

Speaker 1 (42:52):
And I imagine taxes played a big role here.

Speaker 8 (42:54):
They always do. One of the biggest opportunities we see
is in tax coordination, especially in that window between retirement
and when required minimum distributions begin. For John and Linda,
we looked at partial Wroth conversions during those lower income years,
not all at once, but gradually in a controlled way.

Speaker 7 (43:16):
So you're essentially smoothing out their tax burden overtime.

Speaker 8 (43:19):
That's exactly right. Instead of differing taxes indefinitely and potentially
facing larger tax bills later. We created a more balanced approach.

Speaker 1 (43:28):
Now here's the big question.

Speaker 7 (43:30):
Listeners are probably asking what did all of this actually
do for them?

Speaker 8 (43:34):
When we ran the before and after projections, the difference
was pretty significant. Again, not because they were doing anything wrong,
but because the plan wasn't fully optimized, more efficient withdrawal sequencing,
better social security timing, strategic tax planning. Altogether, it created

(43:55):
the potential for hundreds of thousands of dollars in improved
lifetime outcomes, whether that shows up as more income, lower taxes,
or greater flexibility in life.

Speaker 7 (44:07):
And that's the key point. It's not about chasing returns.
It's about keeping more of what you've already built.

Speaker 8 (44:12):
Let me give you another quick example, again hypothetical, but
very common. We'll call this individual Susan. She's recently widowed,
she's aged sixty eight, she has about eight hundred thousand
dollars saved in her nest egg, and she is already
taking Social Security retirement benefits. Susan came to us feeling

(44:32):
fairly confident her bills were covered, investments were in place,
but she had never revisited her plan after losing her spouse.

Speaker 1 (44:41):
And that's a big transition point.

Speaker 8 (44:42):
It is. And what we found was that her investment
allocation was still geared toward a two person household with
a longer time horizon and different income needs. She was
also taking withdrawals in a way that wasn't very tax efficient,
and she hadn't a evaluated how her filing status had changed.

Speaker 1 (45:03):
So what did you adjust?

Speaker 8 (45:04):
We simplified her investment structure to better align her with
current income needs and her risk tolerance. We also reworked
her with tooral strategy, focusing on minimizing taxes now that
she was a single taxpayer, which has different thresholds. And importantly,

(45:25):
we helped her create a more predictable income stream so
she wasn't constantly worrying about the market going up or down.

Speaker 1 (45:34):
And I imagine that peace of mind is a big
part of this.

Speaker 8 (45:36):
It really is. Optimization isn't just about the numbers. It's
about confidence knowing that your plan is working for you,
not just sitting there.

Speaker 7 (45:45):
So if we step back and look at both examples,
John and Linda and Susan, what's the common theme.

Speaker 8 (45:50):
The common thread is they weren't starting from scratch. They
had solid foundations, but their plans were not fully coordinated
across all the moving parts income, taxes, investments, and timing.
Once we align those pieces, the plan became more efficient
and more predictable. Remember, every situation is unique, so individual

(46:12):
circumstances will vary.

Speaker 7 (46:14):
So for someone listening right now, how do they know
if they fall into this almost optimized category.

Speaker 8 (46:20):
Here are a few simple questions to ask yourself. Do
you have a clear year by year income strategy or
are you just withdrawing as needed? Have you mapped out
how and when you will take Social Security retirement benefits?
And importantly, why are you coordinating your withdrawals with a

(46:41):
tax strategy or just reacting each year? Do your investments
align with how you actually plan to use the money.
If there is uncertainty in any of those areas, there
may be an opportunity to improve.

Speaker 7 (46:56):
And that's really what this show is all about, helping
people identify those opportunities before they become costly over time.

Speaker 8 (47:03):
Exactly because the goal isn't perfection, it's progress. It's making
sure your plan is working as efficiently as possible for
your individual situation.

Speaker 7 (47:13):
If you'd like to take the next step, we've put
together a helpful resource. It's called the Safe Money Strategies Workbook.
It walks you through many of the areas we discussed today,
income planning, tax considerations, source security, timing, and helps you
start organizing.

Speaker 1 (47:27):
Your own plan in a more coordinated way.

Speaker 8 (47:29):
You can request your copy by giving our office a call.
We're happy to walk you through it and answer any
questions you may have.

Speaker 7 (47:37):
As always, thanks for joining us this week on Safe
Money Strategies.

Speaker 1 (47:40):
For Greg Workman, Mike you said, we'll see you next time.

Speaker 6 (47:47):
Joining us now as she always does at this time.
She is the co founder, CEO, and president of Kelly
Financial Services. And yes, that is her wonderful name, Kelly
Kelly Kelly, How are you.

Speaker 5 (48:08):
Good morning, Jeff, I am good.

Speaker 4 (48:11):
You know, summer is supposed to be relaxing, but for
many retirees and pre retirees it can quietly become one
of the most expensive times of the year. Between vacations,
home projects, dining out, family activities, and all those little purchases,
it's easy for spending to add up faster than people realize.

(48:34):
That's why this week on Safe Money Strategies, we'll be
talking about how to enjoy the summer season without creating
long term financial stress. And if listeners are looking for
more clarity and confidence around their overall financial picture, I'd
love to send them a complimentary copy of my book,
Retire Your Fear Plan Your Future. In my book, I

(48:58):
talk about the emotional sign of retirement planning and building
confidence around the future. At Kelly Financial, we believe retirement
should feel empowering, not overwhelming. To request your complimentary copy,
give us a call or email Kelly at Kellyfinancial dot org. Jeff,

(49:18):
have a wonderful weekend, My best, Grace and the kiddos.

Speaker 6 (49:22):
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 eight eight eight hundred eighteen eighty
one eight eighty eight eight hundred eighteen eighty one, or

(49:45):
you can actually email Kelly herself personally Kelly at Kellyfinancial
dot org. That's Kelly at Kelly Financial dot org.

Speaker 3 (50:00):
Safe Money Strategies A eight eight hundred one eight eight one.

Speaker 4 (50:07):
Before we close the show today, we'd like to share
a very special moment from Bill Kelly. This reflection is
one of those conversations that reminds us how quickly time
passes and how important it is to appreciate the everyday
moments with the people we love most. It's a beautiful
conversation between Bill and William Junior from several years ago,

(50:32):
talking about baseball, family, growing up, and life lessons that
still matter today. Here's this week's wit and Wisdom from
Bill Kelly.

Speaker 15 (50:45):
All right, I'm trying to reach William Kelly. Hello, how
are you, William? Welcome to the show today. Summer is
ending soon.

Speaker 10 (50:52):
Hey, yes it is, but you know it had its run.
It was very fun and I enjoyed it. And I'm
ready for school again. It's exciting. I'm in shape and
I'm going to be stacked stronger than ever. So it's very.

Speaker 1 (51:06):
Exciting, excited.

Speaker 15 (51:08):
And you had a great summer playing baseball. I noticed
your jacking the ball. That's an amazing swing you've developed.

Speaker 10 (51:15):
Thank you very much. But yes, you're right. I've trained hard,
work hard, dream big. Same won't catchphrase, but hey, it's
always right.

Speaker 15 (51:24):
So yeah, so summer you played baseball almost every day.

Speaker 10 (51:27):
You're right, right, play baseball six days week and our
practice for five days and play a game every Saturday
unless it was a holiday or something very special, but
probably practice might be canceled. But that was They still
practice and play baseball even on most holidays. So it's

(51:48):
pretty crazy. Baseball twenty four to seven.

Speaker 15 (51:51):
Sure, we had a great trip to New York. You
and I just the two of us, say.

Speaker 10 (51:55):
You're right, Yeah, we had so much fun we went
to We went to like a thousand places in just
two days.

Speaker 15 (52:02):
What was your favorite?

Speaker 10 (52:03):
I would have to say my favorite was the Empire
State Building and the Saint Patrick's Cathedral.

Speaker 15 (52:09):
Right. I was talking to Ambassador Flynn earlier on and
he was excited that we lighted a candle from Brandon.

Speaker 10 (52:16):
Yes, and it was a good thing to do. And
I like doing good things because it always gets you
to great places. And when every time you do a
good deed or a good thing, inside you feel so
proud of yourself. And that's the feeling that everybody should
feel whenever they do something very nice or.

Speaker 15 (52:35):
Of course a good deed, So good deeds are never bad. Right,
So you're in shape, played baseball, You're jacking the ball.
Now it's going you have a great angle of a
swing angle, and you didn't pitch a lot, but you're
probably going to start pitching again towards the end of
the summer.

Speaker 10 (52:51):
Right, Yes, yes, but now in the beginning, I thought
I was a pitcher because I was an amazing pitcher.
I worked so hard on it. But then I started batting.
A lot of people in the Dominican Republic said that
I can't bat. Then I'm just a picture. But if
it wasn't for you, Dad, and I thank you for this,

(53:12):
I don't think I ought to be the batter I
would be today. So I just wanted to thank you.

Speaker 15 (53:17):
I just said everything you do people, most things that
we do in life, people might tell us we can't
do it, and then sometimes if I listened to them
in my life, I probably wouldn't have created Kelly Financial Services.
But also for you. So when someone says William can't
do something, I always go, well, I'm not so sure
of that. So I remember in the cage a couple

(53:38):
months ago, he almost took my face off. I was
behind the screen. Thank god, I remember that. Yeah.

Speaker 10 (53:47):
We had some pretty funny experiences through my baseball years.
And whenever I was like eight years old. I remember
bed the funniest thing.

Speaker 15 (53:57):
Maybe I'll catch the ball. I'm thinking he's not hitting
it too hard. Boom. Last time I did that, Thank
god I could move my glove. I remember you hitting
that one ball, just ripped it. And I remember John
John Booters gave you that book on Johnny Mice. I
remember you ripped that one ball and it came almost.
I said, oh, thank god, it didn't go through the net.
And then I said, how did you do it? And

(54:17):
you said, Dad, look at my feet, Johnny Mize. So anyway,
I remember that.

Speaker 10 (54:23):
I remember that. Though I read that, the first two
pages taught me so much. Two pages, I learned like
a billion facts. I just had a lot of great information.

Speaker 15 (54:37):
Yeah, it was sixty year old book too. So hey,
but I'm glad you had a great summer and schools.
Now this what grade are you going to? Sixth grade? Now?

Speaker 10 (54:45):
Yes, sixth grade.

Speaker 15 (54:46):
It's challenging, right.

Speaker 10 (54:47):
I know I'm too young to say this, but I'm
getting old.

Speaker 15 (54:52):
Yeah, you remember, Well, we found some old pictures were
cleaning out storage bens and we had your last pair
of footy pajamas and they kind of I only went
up to your waist now right.

Speaker 10 (55:02):
Yeah, it's half my size. I put the head was
at my waist, yes, and then I'm like, wow, I
was just small.

Speaker 15 (55:13):
Yes, at the knees were going out because you used
to crawl so hard so fast that.

Speaker 10 (55:20):
Feet and soon I'll be sixty. That's that'll be super.

Speaker 15 (55:25):
Good for you.

Speaker 13 (55:26):
Yeah.

Speaker 15 (55:27):
Well great, I'm glad you could join us today. Anything
you would like to let the folks know before we leave.

Speaker 10 (55:33):
I want to let you know that things can happen
so quickly, but also experience makes things go by very
quickly because you already know because you already know how
to do them. And and then it becomes habits, and
then habits that you need to have good habits or
bad habits and experience good habits, good deeds and try

(55:59):
your best.

Speaker 15 (56:00):
Well, I'm going to take that advice today, ladies, gentlemen.
William Kelly Junior, my son, and I will hope you
can come on again soon. And I love you, William.

Speaker 10 (56:07):
I love you to that. Don't worry, I guess we will,
so I love you.

Speaker 3 (56:22):
Called Kelly Financial Services eight eight eight eight hundred eighteen
eighty one