July 12, 2025 • 27 mins
In this week’s Safe Money Strategies, Kelly and William talk about the power of taking a gap year and how it shaped William’s journey. The team explores how to build a retirement plan - even if you’re getting a late start - why setting healthy financial boundaries with adult children is essential, and what truly sets Kelly Financial apart: real relationships, transparency, and a deep commitment to serving families with integrity. The show closes with a touching legacy segment from the late Bill Kelly that captures the heart of family, purpose, and presence.
Make Safe Money Strategies part of your Saturday night tradition.
Make Safe Money Strategies part of your Saturday night tradition.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Discover safe money strategies with Kelly Kelly and her team
called Kelly Financial at eighty eight eight hundred one to
eighty one, or visit Kelly Financial dot org.
Speaker 2 (00:16):
The Money Wrap with Kelly Financial Advisors Greg Murray and
Mary Maddeline Kelly.
Speaker 3 (00:22):
Good Evening. 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 4 (00:33):
Good evening, Greg. I have to admit it's a bit
of a shift saying good evening instead of good morning,
since we're usually on during the day. But I am
really excited to be here and to connect with a
whole new audience tonight. I'm doing well, Thanks for asking.
Last week, we celebrated Independence Day and enjoyed a full
weekend of beautiful weather. That alone feels like a victory
(00:55):
in New England.
Speaker 3 (00:56):
Sure does I read that we had a streak of
thirteen straight weekends with here in Boston, breaking the old
record of twelve back in nineteen forty three and nineteen seventy.
We absolutely earned a sunny holiday weekend.
Speaker 4 (01:08):
We truly did. I imagine a lot of our listeners
are relaxing after a long day, maybe finally opening their mail,
paying bills, or checking in on their kids. And that's
perfect because tonight's topic is one that touches almost every
family in some way.
Speaker 3 (01:22):
Absolutely. Tonight, we're asking should you help your adult children
financially or is it time to set up some boundaries.
It's a conversation we have with clients all the time,
whether they're nearing retirement or already there, and it's not
always an easy one, No.
Speaker 4 (01:36):
It's not. For a lot of parents, there's a sense
of pride and love in helping their children. Maybe they're
covering rent for a child in grad school, helping with
a wedding, or offering support during a job transition. But
sometimes that generosity turns into a pattern and it starts
to impact the parent's own financial future exactly.
Speaker 3 (01:56):
We like to ask one critical question upfront, can you
afford to help with without jeopardizing your own retirement, Because
if supporting your child means a need to delay retirement,
downsize sooner, or reduce your lifestyle, that can cause serious strain,
and not just financially, it can.
Speaker 4 (02:11):
Take an emotional toll too. We've seen cases where parents
feel resentful, even guilty, and it starts to affect their
relationship with their children and the irony. Most adult kids
would be horrified to know that their parents were sacrificing
their own stability to help them out.
Speaker 3 (02:26):
That's why clarity and boundaries are so important. Helping isn't bad,
but helping without limits that's where things can go sideways.
Let's talk about a few common scenarios we see. One
a parent who gives large amounts for a down payment
but then realize they've underfunded their retirement accounts. Two, a
retired couple covering ongoing living expenses for a child who's
working part time or with no timeline for independence. Three
(02:51):
parents taking out loans or co signing debt, not fully
understanding the risk to their own credit or retirement income.
Speaker 4 (02:57):
And to be fair, some support can be strategic helping
a responsible adult child buy a home in a tough
housing market, or providing temporary support during a layoff. That's
not enabling, that's investing in your family. But it has
to be structured.
Speaker 3 (03:13):
That's the key structure we recommend parents to find this
import clearly, is this a gift, a loan or an investment?
What's the timeline or condition are both parties on the
same page.
Speaker 4 (03:24):
And for those who want to help regularly, we suggest
building it into the budget literally, just like travel, health
care or giving to charity. Call it a family support fund.
That way you help in a control, sustainable way without
risking your financial goals.
Speaker 3 (03:39):
Let's also talk about financial enablement. Sometimes support the lays
of child's growth. Struggling a bit in your twenties or
thirties isn't a bad thing. It teaches budgeting, problem solving resilience.
If you're always bailing them out, then they never learned
to stand on their own.
Speaker 4 (03:53):
So true. One alternative we love give support in the
form of financial education off to sit down and help
them build a budget, match their savings contribution, even give
them a few sessions with a financial planner. That way,
you're empowering them, not just handing over money.
Speaker 3 (04:10):
I want to pause here and say none of this
is about judgment. Every family has a different dynamic, and
some people truly value the emotional side of giving. But
if you're lying awake at night worrying whether you'll outlive
your money, that's a red flag.
Speaker 4 (04:23):
So here's a quick checklist for anyone listening. Who's navigating
this question? One? Can I afford it long term? Two?
Is this helping my child move forward or keeping them dependent? Three?
Do we have clear communication around expectations? Four? Am I
giving from a place of confidence or out of guilt
or pressure?
Speaker 1 (04:43):
Five?
Speaker 4 (04:44):
Have I created boundaries that support both of us?
Speaker 3 (04:46):
And I'll add one more? Have you planned for fairness?
If you have multiple kids and are helping one more
than the others, how are you handling that in your
estate plan or conversations?
Speaker 4 (04:56):
That's a great point. Unequal support can create tension, especially
if it's not acknowledged. Open communication now avoids confusion later.
Speaker 3 (05:04):
At the end of the day, helping your adult kids
financially can be an act of love, but doing it
thoughtfully is what makes it sustainable. You deserve a secure
retirement just as much as they deserve a fresh start,
well said Greg.
Speaker 4 (05:15):
And if you're unsure whether you can afford to help
or how to do it responsibly, We're always here to
run the numbers and help you find that balance. Well
that's all for tonight's segment. Thank you again for joining
us tonight on WBZ. We are thrilled to be a
part of your evening routine.
Speaker 3 (05:31):
I look forward to our next discussion next week. Have
a great rest of your weekend.
Speaker 4 (05:34):
Thanks Greg, you too.
Speaker 2 (05:36):
To get in touch with Greg Murray or Mary, Madeline Kelly,
or any member of the Kelly Financial team, call eight
eight eight eight hundred eighteen eighty one.
Speaker 1 (05:46):
Discover safe money strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org.
Speaker 5 (05:59):
Ready to enjoy your golden years without worry. At Kelly Financial,
we know retirement planning can be overwhelming. With more than
twenty two years of experience, our friendly team of advisors
makes it easy and stress free. Trust us to help
you create a secure and enjoyable future. For a free
initial retirement consultation, called eight eight eight eight hundred eighteen
(06:21):
eighty one or email Kelly at Kellyfinancial dot org. We're
Kelly Financial. Come retire with us.
Speaker 1 (06:34):
And We're back. I'm William Kelly Junior, and you're listening
to safe money Strategies right here on WBC. Thanks for
sticking with us this Saturday evening, and yes I'm still
here with someone you probably already love hearing from my mom.
Kelly Kelly, CEO of Kelly Financial Services, we're keeping the
conversation going tonight.
Speaker 6 (06:50):
We sure are William and to everyone just joining us, welcome.
I'm Kelly Kelly, and it is such a pleasure to
be a part of your or evening. At Kelly Financial Services.
We're a family owned firm that's been helping people get
serious about retirement for more than twenty two years.
Speaker 1 (07:11):
We're talking about something that comes up a lot, what
to do if you feel like you've got a late
start saving for retirement. Maybe life got in the way,
or you were focused on family or didn't know where
to begin. It's never too late to turn things.
Speaker 6 (07:23):
Around, exactly. There's no shame in starting late. What matters
is getting started now and making smart strategic moves that count.
Speaker 1 (07:33):
So let's pick up where we left off. One of
the most powerful tools for late savers is delaying Social
security right.
Speaker 6 (07:40):
Yes, it is something we talk about in our office.
If you can wait beyond full retirement age, your monthly
benefit grows every year you delay up to age seventy,
you can get roughly an eight percent increase annually.
Speaker 1 (07:55):
That really adds up. Let's say someone's full benefits two
thousand and a month at age sixty seven. If they
wait till they're seventy, what might they be looking at?
Speaker 6 (08:03):
That same benefit could rise to about two four hundred
and eighty dollars a month. That's a twenty four percent
permanent increase for life.
Speaker 1 (08:12):
Wow, that's like giving yourself a raise with no market
risk exactly.
Speaker 6 (08:17):
And for folks who are behind on their savings, this
is one way to make their retirement income stretch further.
Speaker 1 (08:23):
But let's be real. What if someone needs the income earlier.
Speaker 6 (08:27):
There are definitely ways to plan around that. Maybe they
work part time a little bit longer, or use other
savings for a few years to give their social security
time to grow. It's about looking at the big picture.
Speaker 1 (08:41):
So the takeaway is it's not about delaying just because
someone told you to. It's about having a strategy right.
Speaker 6 (08:48):
Every retirement plan is unique. What works for one person
might not fit the next. But in many cases, waiting
to file can be a really powerful move.
Speaker 1 (09:00):
Shift Gears. I know you often say people have more
assets than they realize, but a lot of them aren't
using those assets to generate income.
Speaker 6 (09:07):
So true, it could be a second vehicle they don't
use a family heirloom, this collecting dust, or even an
inherited piece of land. Those things have value and for
people catching up, converting unused assets into retirement capital can
make a real difference.
Speaker 1 (09:27):
So you're saying, don't let things just sit. Make an
inventory exactly.
Speaker 6 (09:31):
Walk through your house, your storage unit, ask yourself, do
I need this? Could this be sold, rented or invested.
Even downsizing to a smaller home or renting out a
room can create extra cash flow.
Speaker 1 (09:46):
That's one of those creative strategies that people often overlook, yes.
Speaker 6 (09:50):
And is especially important when you're in your fifties or
sixties and looking to make up for lost time.
Speaker 1 (09:57):
Let's talk about another big one, debt. It's a retirement killer.
Speaker 6 (10:01):
Right absolutely, especially high interest debt like credit cards. It
eats up your monthly budget and it makes it harder
to save. Getting that under control is one of the
fastest ways to free up cash for investing.
Speaker 1 (10:17):
Is there a smart method to paying it off?
Speaker 6 (10:20):
There are a few. The snowball method, where you pay
off the smallest balances first to build momentum, or the
avalanche method where you tackle the highest interest rates first.
Either way, the key is to avoid just making minimum payments.
That stretches debt for years.
Speaker 1 (10:39):
And it adds so much stress exactly.
Speaker 6 (10:42):
Tackling debt is a big emotional wind too. It clears
the path so people can finally move forward.
Speaker 1 (10:50):
Last topic for the segment investing. When people feel behind,
they sometimes think they need to take big risks. What
do you say to that.
Speaker 6 (10:57):
That's one of the biggest misconceptions. When you're catching up.
You actually can't afford big losses. Risky moves might feel
like a short cut, but they can be costly. The
smarter approach is diversification. Having a balanced, well allocated portfolio
helps protect your savings while still giving you growth.
Speaker 1 (11:21):
Potential, and that's something a financial advisor can help build
right definitely.
Speaker 6 (11:25):
At Kelly Financial, we sit down with our clients, understand
their timeline, their goals, and their comfort level, and build
a plan that works for them. No cookie cutter stuff.
Speaker 1 (11:38):
And for anyone listening tonight who's worried they waited too long,
it's not too late.
Speaker 6 (11:42):
Some of the most inspiring clients we've worked with are
people who got serious a little later in life but
made incredible progress. It all starts with a plan and
a commitment to act now.
Speaker 1 (11:57):
And that's a good note to end on. And if
folks want to place to begin, we've got something helpful.
Speaker 6 (12:02):
Yes, we're offering a free investor guide called Designing your
Physical House to Weather the Elements. It covers asset allocation, diversification, indexing,
all the strategies that help protect and grow your money.
Speaker 1 (12:17):
You can get the guide and schedule a complimentary consultation
with one of our advisors by calling eight eight eight
eight hundred twenty eight eight one or emailing us at
Kelly at Kelly Financial dot org. That's eight eight eight
eight hundred one eight eight one, or just shoot us
an email Kelly at Kelly Financial dot org. That's a
wrap for this part of the show. Thanks again for
spending your evening with us. I'm William Kelly Junior, and
(12:38):
you've been listening to Safe Money Strategies here on WBZ
and streaming on the iHeart app. Stay tuned and we'll
be back in just a moment. Safe Money Strategies with
Kelly Kelly and her team called Kelly Financial at eighty
eight eight hundred twenty eight one or go to Kelly
Financial dot org. That's Kelly at Kelly Financial dot Org.
Speaker 5 (13:03):
I'm John Boudris, and welcome to a new edition of
Kelly Financial's What would Bill Say? The wit and wisdom
of the late Bill Kelly. Today we'll address fact from fiction.
Speaker 7 (13:14):
You can always make money if you haven't if you
lose it all, it's very difficult to do that. So
you have to have a plan. If the market goes
up quite a bit or down quite a bit, you
have to be ready. And how do you sort fact
from fiction?
Speaker 5 (13:27):
Download Kelly Financial's Consumer Guide, simply called the Value of
an objective opinion. With so much at stake with your
retirement future, you don't just want any financial advice, but
objective financial advice. And as a fiduciary, Kelly Financial puts
your interests above all else. Go to Kellyfinancial dot org
(13:50):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.
Speaker 7 (13:54):
Ladies and gentlemen, sort fact from fiction.
Speaker 5 (13:57):
We are Kelly Financial Services. Come retire with us.
Speaker 8 (14:05):
We're back and you are joining the team from Kelly
Financial Services on our inaugural WBZ radio broadcast. We're excited
to be here and thank you for joining us this evening.
Speaker 9 (14:15):
Mike ahead of the break, you teased that you were
going to share a little bit about how you got
into the business and why you're so passionate about.
Speaker 10 (14:23):
What we do.
Speaker 8 (14:24):
I began my career in the early to mid nineties
at a well known mutual fund company in the downtown
Boston area, serving as a financial analyst in a variety
of roles.
Speaker 10 (14:34):
Over the course of eight years.
Speaker 9 (14:36):
That's a great place to start for anyone looking to
get into the field of investments and finance. The curtain
is pulled back and you get some insight into how
that sausage is made. Key for anyone entering the workforce,
start at the bottom and gained that foundational knowledge that
prepares you for a career.
Speaker 8 (14:54):
It was a great place to start, but over time
I felt a strong pull toward working directly within the
visuals families and small business owners wanting to have a
more personal and lasting impact on their financial success. That
led me to transition into the role of an advisor,
which I found incredibly rewarding. Since then, I've worked with
several planning firms and eventually stepped into management around twenty ten,
(15:18):
where I could help train and mentor new advisors while
still maintaining close relationships with my own clients. I joined
Kelly Financial nearly five years ago and have truly enjoyed
the client centric model they've developed. May of next year
will be thirty years working in financial services. It's really
hard to believe.
Speaker 10 (15:37):
I know the team is.
Speaker 9 (15:38):
Looking forward to celebrating that milestone with you.
Speaker 10 (15:41):
Mike.
Speaker 9 (15:41):
You've been a great mentor and you're the reason I
chose to join Kelly Financial in twenty twenty one. I
believe I was one of your first phone calls when
you were looking to expand the team.
Speaker 8 (15:53):
Not just one of the first you were the first
phone call. We worked together at a previous advisory firm,
and I knew you are a team player that was
more than just someone that recommended investments. You are a
trusted partners to the clients you worked with. You are
good at listening deeply to your client's goals, values in fairs,
then coupling that feedback with their resources to construct a
(16:15):
personalized financial roadmap. This is a complex role with a
lot of moving parts, and not everyone can do it.
I saw early on that you clearly have what it takes.
Speaker 9 (16:25):
Thank you, Mike. I appreciate that and it means a
lot a.
Speaker 8 (16:28):
Moment ago I mentioned that client centric model we have
here at Kelly Financial. I think it's important to touch
on that. What makes us different? Why do over seventeen
hundred clients do business with us? Financial advisors commonly earn
a commission when they sell financial products such as mutual funds, insurance,
or annuities, and.
Speaker 9 (16:48):
Mike and I know all too well those commissions can
get in the way of good advice.
Speaker 8 (16:53):
Every advisor on staff at Kelly Financial is salaried. Why
is that important? Our investment recommendations are based on your needs,
not by sales quotas or commissions. It's all about trust
and transparency, which is in everyone's best interest.
Speaker 9 (17:10):
Kelly Financial. We do offer insurance strategies like life insurance, annuities,
and long term care insurance, and those may pay a
commission to the firm, but those commissions do not go
into the pocket of the individual advisor. So when we
recommend something, it's because it fits your needs, not ours.
We believe in full transparency. It's the only real way
(17:33):
to build trust, and that's the foundation of everything we do.
Speaker 8 (17:37):
Every registered investment advisor, whether an individual advisor or a firm,
is legally held to a fiduciary standard under the law,
which means.
Speaker 9 (17:47):
Acting in our client's best interest, disclosing any conflicts of interest,
and providing full and fair disclosure of fees, compensation, and
any industry relationships.
Speaker 8 (18:00):
Missus Kelly takes that fiduciary standard to the next level,
and I know our clients appreciate knowing we're as close
to the other side of the table as we can be.
It is the reason that many of our long term
clients are like family.
Speaker 9 (18:14):
It's not all about the money. It's about goals and dreams,
family legacy and values. It's about children and grandchildren and
making sure everyone is going to be okay. It's about
living life on your terms without compromising what's important along
the way.
Speaker 8 (18:31):
If you've ever wondered whether your financial plan is truly
in your best interest, or if it's more about selling
products than solving problems, it might be time for a
second opinion. We offer honest, straightforward advice with no pressure.
Sometimes a fresh perspective is all it takes to.
Speaker 1 (18:47):
Move forward with more confidence.
Speaker 9 (18:49):
You owe it to yourself to get a second opinion
from someone who works for you, not a commission, no pressure,
no product pitch, just an honest look at where you
stand and where you're going. If we can add value,
we will tell you. If we can, then we'll confirm
that you're in a good situation.
Speaker 8 (19:07):
That's peace of mind. It's a simple message with implications
that are priceless.
Speaker 1 (19:12):
We love what we do and it shows.
Speaker 8 (19:14):
Kelly Financial has over one hundred reviews on Google that
speak to the quality of our service, our knowledge, and
our relationships. We're proud of that.
Speaker 9 (19:22):
Well, Mike, this has been a very big day for us.
Speaker 10 (19:25):
It sure has.
Speaker 1 (19:26):
Once again.
Speaker 8 (19:27):
We have thrilled to be joining the WBZ family and
connecting with their incredible audience. To all the BEZ listeners,
we are honored to be here. We look forward to
interacting with you and can't wait to bring you clear,
honest and practical advice around something that affects every household,
your money exactly, whether it's investing, retirement planning, tax strategies,
(19:52):
are just making the most of what you've worked so
hard to save. Were here to help you feel more
confident and in control. Peace of mind is our goal,
and we hope to deliver some of that through the
BESY airwaves.
Speaker 9 (20:04):
So stick with us. Let's talk money. Let's talk planning
and let's make your financial future something to look forward to.
Speaker 8 (20:13):
In the meantime, if you'd like to reach out to
our team, please grab a pen and jot down this
phone number here it is eight eight eight eight hundred
eighteen eighty one.
Speaker 9 (20:23):
Once again, our phone number is triple eight eight hundred
eighteen eighty one. We look forward to speaking with you
until next week. I'm Greg Workman and.
Speaker 8 (20:34):
I Mike you said join us next week for more
safe money strategies.
Speaker 6 (20:42):
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 guide's insureds your assets are allocated wisely, helping your
(21:03):
money last as long as you need it. 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
(21:24):
build a balance portfolio. For the guide, and a free
consultation with a Kelly Advisor. Call eight eight eight eight
hundred eighteen eighty one or email Kelly at Kellyfinancial dot org.
We're Kelly Financial. Come retire with us. Before we say goodnight,
I'd like to share something very special. It's a moment
(21:47):
from years ago, just a simple conversation between my late
husband Bill Kelly and our little son, William Kelly Junior,
who was only four or five years old at the time.
Its tender is timeless, and it captures so much of
what really matters family, love and being present. We hope
(22:10):
it brings a smile to your face as you wind
down your evening. Good night, and we'll see you next Saturday.
Right here on WBZ, We're are God, my little one,
little one?
Speaker 10 (22:29):
Where are you?
Speaker 7 (22:32):
Mommy?
Speaker 1 (22:33):
Me?
Speaker 10 (22:34):
Mile too?
Speaker 5 (22:37):
Row and you tube two.
Speaker 10 (22:41):
Round for.
Speaker 3 (22:45):
Hey? Dad?
Speaker 4 (22:46):
Oh?
Speaker 3 (22:46):
Hi?
Speaker 10 (22:46):
Who's this William Kelly?
Speaker 9 (22:48):
Yeah?
Speaker 10 (22:48):
How are you?
Speaker 5 (22:49):
Great?
Speaker 10 (22:49):
Great? Great? What you're doing today?
Speaker 8 (22:52):
Gospels?
Speaker 10 (22:53):
Yes, you hit some golf balls? Huh? How'd you hit?
Speaker 6 (22:55):
Great?
Speaker 10 (22:56):
Great? Now you noticed you hit some maybe over fifty yards,
made a lot of points. Did you do some putting too?
Speaker 6 (23:02):
Yep? Now, which you were very you know what happened.
Speaker 10 (23:05):
Well, yeah, that's true, But I just thought if I
asked you the question, you could tell the people. William Solf, Yes,
I was there, But now, what kind of swing are
you using?
Speaker 6 (23:13):
Ben Hogan?
Speaker 10 (23:14):
You like the Ben Hogan swing?
Speaker 3 (23:16):
Yeah?
Speaker 10 (23:16):
Yeah, he had a great swing, didn't he. Yeah it
was smooth, wasn't it.
Speaker 7 (23:20):
Yeah?
Speaker 10 (23:21):
He was an athlete. I guess, wouldn't you say that? Yeah,
so we were talking about some great things. You're having
a good summer vacation. What are your activities now?
Speaker 4 (23:29):
Kind of golf?
Speaker 6 (23:31):
And I believe that I used to play t ball.
Speaker 10 (23:34):
Now you're tutoring. Oh not today, no, but you have
been tutoring. I've noticed. Now what type of tutoring are
you doing there?
Speaker 6 (23:41):
Like learning?
Speaker 10 (23:42):
Really? And I noticed I was talking to a lady
the other night. You're half Southern? Is that correct? Yes?
And how do we know that? Like, how could someone
know that? It's because I'm born in my mommy's tummy
and she was born from the south.
Speaker 6 (23:57):
So when I got nurse, we got half some and half.
Speaker 2 (23:59):
Norm there, mecus, I was born in north and my
mother was from the South, so.
Speaker 10 (24:05):
That's time make me half and half okay, So that's
why you say yes ma'am all the time. Then right, yeah,
oh great. And we talked about our five favorite things
the other day. Can you give us some of your
five favorite things?
Speaker 4 (24:18):
Okay?
Speaker 11 (24:19):
But did we start at five?
Speaker 10 (24:21):
Yes? Start at five?
Speaker 6 (24:24):
Five?
Speaker 1 (24:26):
I think I forgot five before.
Speaker 10 (24:28):
I forgot really yeah, okay? How about three?
Speaker 6 (24:33):
Three is minecraft?
Speaker 10 (24:35):
Wow?
Speaker 1 (24:35):
How about Jewish French versus armies?
Speaker 6 (24:37):
And one is the specialist one in the world. What
my family?
Speaker 10 (24:42):
That's your number one favorite thing?
Speaker 2 (24:44):
Yeah?
Speaker 10 (24:44):
Wow? Now what about Dixie and Bogart the cat?
Speaker 6 (24:48):
I don't see them.
Speaker 10 (24:49):
Oh, they're part of the family. They're part of number one. Yeah,
very good.
Speaker 6 (24:53):
They're adopted.
Speaker 10 (24:54):
They are Well, they're just like found one in the
woods and one is that's adopted.
Speaker 1 (25:00):
But he was found in the woods and we adopted Dixie.
Speaker 10 (25:04):
Bogie still acts a little while he goes out there hunting,
doesn't he even he can beat up.
Speaker 6 (25:09):
A coyote and he's small and he can beat up
a coyote.
Speaker 10 (25:13):
I know what. That coyote tried to grab him and
he beat him away. Wow, that's amazing, isn't it.
Speaker 6 (25:18):
Well, a big coyote against a small little cat.
Speaker 8 (25:21):
The small little cat wins.
Speaker 10 (25:24):
Well, bog, he's stronger. Yeah, he's strong as an ox though.
I mean that cat is all muscle. He can jump
like eight feet in the air, so he must have
surprised the coyote, right yeah, okay, God, all right then,
well thanks for you know, coming on talking with the folks,
and you know Daddy loves you, right, yes, okay, Then
I'll see you when I get home. Okay, yep, okay,
(25:46):
I love you too.
Speaker 6 (25:47):
Fie you going, my little one.
Speaker 10 (25:57):
Where my baby my own.
Speaker 1 (26:30):
Discover safe money Strategies with Kelly Kelly and her team
called Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org.
Speaker 11 (26:52):
All opinions expressed by the host guests for employees of
Kelly Financial Services are solely their own and do not
reflect the opinions of Kelly Financial Services. Information has been
obtained from sources deemed to be reliable, but their accuracy
and completeness cannot be guaranteed. The information provided is general
in nature and is not intended to be specific investment, tax,
or legal advice. It is always advisable to consult a
professional before making a financial decision.
Discover safe money strategies with Kelly Kelly and her team
called Kelly Financial at eighty eight eight hundred one to
eighty one, or visit Kelly Financial dot org.
Speaker 2 (00:16):
The Money Wrap with Kelly Financial Advisors Greg Murray and
Mary Maddeline Kelly.
Speaker 3 (00:22):
Good Evening. 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 4 (00:33):
Good evening, Greg. I have to admit it's a bit
of a shift saying good evening instead of good morning,
since we're usually on during the day. But I am
really excited to be here and to connect with a
whole new audience tonight. I'm doing well, Thanks for asking.
Last week, we celebrated Independence Day and enjoyed a full
weekend of beautiful weather. That alone feels like a victory
(00:55):
in New England.
Speaker 3 (00:56):
Sure does I read that we had a streak of
thirteen straight weekends with here in Boston, breaking the old
record of twelve back in nineteen forty three and nineteen seventy.
We absolutely earned a sunny holiday weekend.
Speaker 4 (01:08):
We truly did. I imagine a lot of our listeners
are relaxing after a long day, maybe finally opening their mail,
paying bills, or checking in on their kids. And that's
perfect because tonight's topic is one that touches almost every
family in some way.
Speaker 3 (01:22):
Absolutely. Tonight, we're asking should you help your adult children
financially or is it time to set up some boundaries.
It's a conversation we have with clients all the time,
whether they're nearing retirement or already there, and it's not
always an easy one, No.
Speaker 4 (01:36):
It's not. For a lot of parents, there's a sense
of pride and love in helping their children. Maybe they're
covering rent for a child in grad school, helping with
a wedding, or offering support during a job transition. But
sometimes that generosity turns into a pattern and it starts
to impact the parent's own financial future exactly.
Speaker 3 (01:56):
We like to ask one critical question upfront, can you
afford to help with without jeopardizing your own retirement, Because
if supporting your child means a need to delay retirement,
downsize sooner, or reduce your lifestyle, that can cause serious strain,
and not just financially, it can.
Speaker 4 (02:11):
Take an emotional toll too. We've seen cases where parents
feel resentful, even guilty, and it starts to affect their
relationship with their children and the irony. Most adult kids
would be horrified to know that their parents were sacrificing
their own stability to help them out.
Speaker 3 (02:26):
That's why clarity and boundaries are so important. Helping isn't bad,
but helping without limits that's where things can go sideways.
Let's talk about a few common scenarios we see. One
a parent who gives large amounts for a down payment
but then realize they've underfunded their retirement accounts. Two, a
retired couple covering ongoing living expenses for a child who's
working part time or with no timeline for independence. Three
(02:51):
parents taking out loans or co signing debt, not fully
understanding the risk to their own credit or retirement income.
Speaker 4 (02:57):
And to be fair, some support can be strategic helping
a responsible adult child buy a home in a tough
housing market, or providing temporary support during a layoff. That's
not enabling, that's investing in your family. But it has
to be structured.
Speaker 3 (03:13):
That's the key structure we recommend parents to find this
import clearly, is this a gift, a loan or an investment?
What's the timeline or condition are both parties on the
same page.
Speaker 4 (03:24):
And for those who want to help regularly, we suggest
building it into the budget literally, just like travel, health
care or giving to charity. Call it a family support fund.
That way you help in a control, sustainable way without
risking your financial goals.
Speaker 3 (03:39):
Let's also talk about financial enablement. Sometimes support the lays
of child's growth. Struggling a bit in your twenties or
thirties isn't a bad thing. It teaches budgeting, problem solving resilience.
If you're always bailing them out, then they never learned
to stand on their own.
Speaker 4 (03:53):
So true. One alternative we love give support in the
form of financial education off to sit down and help
them build a budget, match their savings contribution, even give
them a few sessions with a financial planner. That way,
you're empowering them, not just handing over money.
Speaker 3 (04:10):
I want to pause here and say none of this
is about judgment. Every family has a different dynamic, and
some people truly value the emotional side of giving. But
if you're lying awake at night worrying whether you'll outlive
your money, that's a red flag.
Speaker 4 (04:23):
So here's a quick checklist for anyone listening. Who's navigating
this question? One? Can I afford it long term? Two?
Is this helping my child move forward or keeping them dependent? Three?
Do we have clear communication around expectations? Four? Am I
giving from a place of confidence or out of guilt
or pressure?
Speaker 1 (04:43):
Five?
Speaker 4 (04:44):
Have I created boundaries that support both of us?
Speaker 3 (04:46):
And I'll add one more? Have you planned for fairness?
If you have multiple kids and are helping one more
than the others, how are you handling that in your
estate plan or conversations?
Speaker 4 (04:56):
That's a great point. Unequal support can create tension, especially
if it's not acknowledged. Open communication now avoids confusion later.
Speaker 3 (05:04):
At the end of the day, helping your adult kids
financially can be an act of love, but doing it
thoughtfully is what makes it sustainable. You deserve a secure
retirement just as much as they deserve a fresh start,
well said Greg.
Speaker 4 (05:15):
And if you're unsure whether you can afford to help
or how to do it responsibly, We're always here to
run the numbers and help you find that balance. Well
that's all for tonight's segment. Thank you again for joining
us tonight on WBZ. We are thrilled to be a
part of your evening routine.
Speaker 3 (05:31):
I look forward to our next discussion next week. Have
a great rest of your weekend.
Speaker 4 (05:34):
Thanks Greg, you too.
Speaker 2 (05:36):
To get in touch with Greg Murray or Mary, Madeline Kelly,
or any member of the Kelly Financial team, call eight
eight eight eight hundred eighteen eighty one.
Speaker 1 (05:46):
Discover safe money strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org.
Speaker 5 (05:59):
Ready to enjoy your golden years without worry. At Kelly Financial,
we know retirement planning can be overwhelming. With more than
twenty two years of experience, our friendly team of advisors
makes it easy and stress free. Trust us to help
you create a secure and enjoyable future. For a free
initial retirement consultation, called eight eight eight eight hundred eighteen
(06:21):
eighty one or email Kelly at Kellyfinancial dot org. We're
Kelly Financial. Come retire with us.
Speaker 1 (06:34):
And We're back. I'm William Kelly Junior, and you're listening
to safe money Strategies right here on WBC. Thanks for
sticking with us this Saturday evening, and yes I'm still
here with someone you probably already love hearing from my mom.
Kelly Kelly, CEO of Kelly Financial Services, we're keeping the
conversation going tonight.
Speaker 6 (06:50):
We sure are William and to everyone just joining us, welcome.
I'm Kelly Kelly, and it is such a pleasure to
be a part of your or evening. At Kelly Financial Services.
We're a family owned firm that's been helping people get
serious about retirement for more than twenty two years.
Speaker 1 (07:11):
We're talking about something that comes up a lot, what
to do if you feel like you've got a late
start saving for retirement. Maybe life got in the way,
or you were focused on family or didn't know where
to begin. It's never too late to turn things.
Speaker 6 (07:23):
Around, exactly. There's no shame in starting late. What matters
is getting started now and making smart strategic moves that count.
Speaker 1 (07:33):
So let's pick up where we left off. One of
the most powerful tools for late savers is delaying Social
security right.
Speaker 6 (07:40):
Yes, it is something we talk about in our office.
If you can wait beyond full retirement age, your monthly
benefit grows every year you delay up to age seventy,
you can get roughly an eight percent increase annually.
Speaker 1 (07:55):
That really adds up. Let's say someone's full benefits two
thousand and a month at age sixty seven. If they
wait till they're seventy, what might they be looking at?
Speaker 6 (08:03):
That same benefit could rise to about two four hundred
and eighty dollars a month. That's a twenty four percent
permanent increase for life.
Speaker 1 (08:12):
Wow, that's like giving yourself a raise with no market
risk exactly.
Speaker 6 (08:17):
And for folks who are behind on their savings, this
is one way to make their retirement income stretch further.
Speaker 1 (08:23):
But let's be real. What if someone needs the income earlier.
Speaker 6 (08:27):
There are definitely ways to plan around that. Maybe they
work part time a little bit longer, or use other
savings for a few years to give their social security
time to grow. It's about looking at the big picture.
Speaker 1 (08:41):
So the takeaway is it's not about delaying just because
someone told you to. It's about having a strategy right.
Speaker 6 (08:48):
Every retirement plan is unique. What works for one person
might not fit the next. But in many cases, waiting
to file can be a really powerful move.
Speaker 1 (09:00):
Shift Gears. I know you often say people have more
assets than they realize, but a lot of them aren't
using those assets to generate income.
Speaker 6 (09:07):
So true, it could be a second vehicle they don't
use a family heirloom, this collecting dust, or even an
inherited piece of land. Those things have value and for
people catching up, converting unused assets into retirement capital can
make a real difference.
Speaker 1 (09:27):
So you're saying, don't let things just sit. Make an
inventory exactly.
Speaker 6 (09:31):
Walk through your house, your storage unit, ask yourself, do
I need this? Could this be sold, rented or invested.
Even downsizing to a smaller home or renting out a
room can create extra cash flow.
Speaker 1 (09:46):
That's one of those creative strategies that people often overlook, yes.
Speaker 6 (09:50):
And is especially important when you're in your fifties or
sixties and looking to make up for lost time.
Speaker 1 (09:57):
Let's talk about another big one, debt. It's a retirement killer.
Speaker 6 (10:01):
Right absolutely, especially high interest debt like credit cards. It
eats up your monthly budget and it makes it harder
to save. Getting that under control is one of the
fastest ways to free up cash for investing.
Speaker 1 (10:17):
Is there a smart method to paying it off?
Speaker 6 (10:20):
There are a few. The snowball method, where you pay
off the smallest balances first to build momentum, or the
avalanche method where you tackle the highest interest rates first.
Either way, the key is to avoid just making minimum payments.
That stretches debt for years.
Speaker 1 (10:39):
And it adds so much stress exactly.
Speaker 6 (10:42):
Tackling debt is a big emotional wind too. It clears
the path so people can finally move forward.
Speaker 1 (10:50):
Last topic for the segment investing. When people feel behind,
they sometimes think they need to take big risks. What
do you say to that.
Speaker 6 (10:57):
That's one of the biggest misconceptions. When you're catching up.
You actually can't afford big losses. Risky moves might feel
like a short cut, but they can be costly. The
smarter approach is diversification. Having a balanced, well allocated portfolio
helps protect your savings while still giving you growth.
Speaker 1 (11:21):
Potential, and that's something a financial advisor can help build
right definitely.
Speaker 6 (11:25):
At Kelly Financial, we sit down with our clients, understand
their timeline, their goals, and their comfort level, and build
a plan that works for them. No cookie cutter stuff.
Speaker 1 (11:38):
And for anyone listening tonight who's worried they waited too long,
it's not too late.
Speaker 6 (11:42):
Some of the most inspiring clients we've worked with are
people who got serious a little later in life but
made incredible progress. It all starts with a plan and
a commitment to act now.
Speaker 1 (11:57):
And that's a good note to end on. And if
folks want to place to begin, we've got something helpful.
Speaker 6 (12:02):
Yes, we're offering a free investor guide called Designing your
Physical House to Weather the Elements. It covers asset allocation, diversification, indexing,
all the strategies that help protect and grow your money.
Speaker 1 (12:17):
You can get the guide and schedule a complimentary consultation
with one of our advisors by calling eight eight eight
eight hundred twenty eight eight one or emailing us at
Kelly at Kelly Financial dot org. That's eight eight eight
eight hundred one eight eight one, or just shoot us
an email Kelly at Kelly Financial dot org. That's a
wrap for this part of the show. Thanks again for
spending your evening with us. I'm William Kelly Junior, and
(12:38):
you've been listening to Safe Money Strategies here on WBZ
and streaming on the iHeart app. Stay tuned and we'll
be back in just a moment. Safe Money Strategies with
Kelly Kelly and her team called Kelly Financial at eighty
eight eight hundred twenty eight one or go to Kelly
Financial dot org. That's Kelly at Kelly Financial dot Org.
Speaker 5 (13:03):
I'm John Boudris, and welcome to a new edition of
Kelly Financial's What would Bill Say? The wit and wisdom
of the late Bill Kelly. Today we'll address fact from fiction.
Speaker 7 (13:14):
You can always make money if you haven't if you
lose it all, it's very difficult to do that. So
you have to have a plan. If the market goes
up quite a bit or down quite a bit, you
have to be ready. And how do you sort fact
from fiction?
Speaker 5 (13:27):
Download Kelly Financial's Consumer Guide, simply called the Value of
an objective opinion. With so much at stake with your
retirement future, you don't just want any financial advice, but
objective financial advice. And as a fiduciary, Kelly Financial puts
your interests above all else. Go to Kellyfinancial dot org
(13:50):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.
Speaker 7 (13:54):
Ladies and gentlemen, sort fact from fiction.
Speaker 5 (13:57):
We are Kelly Financial Services. Come retire with us.
Speaker 8 (14:05):
We're back and you are joining the team from Kelly
Financial Services on our inaugural WBZ radio broadcast. We're excited
to be here and thank you for joining us this evening.
Speaker 9 (14:15):
Mike ahead of the break, you teased that you were
going to share a little bit about how you got
into the business and why you're so passionate about.
Speaker 10 (14:23):
What we do.
Speaker 8 (14:24):
I began my career in the early to mid nineties
at a well known mutual fund company in the downtown
Boston area, serving as a financial analyst in a variety
of roles.
Speaker 10 (14:34):
Over the course of eight years.
Speaker 9 (14:36):
That's a great place to start for anyone looking to
get into the field of investments and finance. The curtain
is pulled back and you get some insight into how
that sausage is made. Key for anyone entering the workforce,
start at the bottom and gained that foundational knowledge that
prepares you for a career.
Speaker 8 (14:54):
It was a great place to start, but over time
I felt a strong pull toward working directly within the
visuals families and small business owners wanting to have a
more personal and lasting impact on their financial success. That
led me to transition into the role of an advisor,
which I found incredibly rewarding. Since then, I've worked with
several planning firms and eventually stepped into management around twenty ten,
(15:18):
where I could help train and mentor new advisors while
still maintaining close relationships with my own clients. I joined
Kelly Financial nearly five years ago and have truly enjoyed
the client centric model they've developed. May of next year
will be thirty years working in financial services. It's really
hard to believe.
Speaker 10 (15:37):
I know the team is.
Speaker 9 (15:38):
Looking forward to celebrating that milestone with you.
Speaker 10 (15:41):
Mike.
Speaker 9 (15:41):
You've been a great mentor and you're the reason I
chose to join Kelly Financial in twenty twenty one. I
believe I was one of your first phone calls when
you were looking to expand the team.
Speaker 8 (15:53):
Not just one of the first you were the first
phone call. We worked together at a previous advisory firm,
and I knew you are a team player that was
more than just someone that recommended investments. You are a
trusted partners to the clients you worked with. You are
good at listening deeply to your client's goals, values in fairs,
then coupling that feedback with their resources to construct a
(16:15):
personalized financial roadmap. This is a complex role with a
lot of moving parts, and not everyone can do it.
I saw early on that you clearly have what it takes.
Speaker 9 (16:25):
Thank you, Mike. I appreciate that and it means a
lot a.
Speaker 8 (16:28):
Moment ago I mentioned that client centric model we have
here at Kelly Financial. I think it's important to touch
on that. What makes us different? Why do over seventeen
hundred clients do business with us? Financial advisors commonly earn
a commission when they sell financial products such as mutual funds, insurance,
or annuities, and.
Speaker 9 (16:48):
Mike and I know all too well those commissions can
get in the way of good advice.
Speaker 8 (16:53):
Every advisor on staff at Kelly Financial is salaried. Why
is that important? Our investment recommendations are based on your needs,
not by sales quotas or commissions. It's all about trust
and transparency, which is in everyone's best interest.
Speaker 9 (17:10):
Kelly Financial. We do offer insurance strategies like life insurance, annuities,
and long term care insurance, and those may pay a
commission to the firm, but those commissions do not go
into the pocket of the individual advisor. So when we
recommend something, it's because it fits your needs, not ours.
We believe in full transparency. It's the only real way
(17:33):
to build trust, and that's the foundation of everything we do.
Speaker 8 (17:37):
Every registered investment advisor, whether an individual advisor or a firm,
is legally held to a fiduciary standard under the law,
which means.
Speaker 9 (17:47):
Acting in our client's best interest, disclosing any conflicts of interest,
and providing full and fair disclosure of fees, compensation, and
any industry relationships.
Speaker 8 (18:00):
Missus Kelly takes that fiduciary standard to the next level,
and I know our clients appreciate knowing we're as close
to the other side of the table as we can be.
It is the reason that many of our long term
clients are like family.
Speaker 9 (18:14):
It's not all about the money. It's about goals and dreams,
family legacy and values. It's about children and grandchildren and
making sure everyone is going to be okay. It's about
living life on your terms without compromising what's important along
the way.
Speaker 8 (18:31):
If you've ever wondered whether your financial plan is truly
in your best interest, or if it's more about selling
products than solving problems, it might be time for a
second opinion. We offer honest, straightforward advice with no pressure.
Sometimes a fresh perspective is all it takes to.
Speaker 1 (18:47):
Move forward with more confidence.
Speaker 9 (18:49):
You owe it to yourself to get a second opinion
from someone who works for you, not a commission, no pressure,
no product pitch, just an honest look at where you
stand and where you're going. If we can add value,
we will tell you. If we can, then we'll confirm
that you're in a good situation.
Speaker 8 (19:07):
That's peace of mind. It's a simple message with implications
that are priceless.
Speaker 1 (19:12):
We love what we do and it shows.
Speaker 8 (19:14):
Kelly Financial has over one hundred reviews on Google that
speak to the quality of our service, our knowledge, and
our relationships. We're proud of that.
Speaker 9 (19:22):
Well, Mike, this has been a very big day for us.
Speaker 10 (19:25):
It sure has.
Speaker 1 (19:26):
Once again.
Speaker 8 (19:27):
We have thrilled to be joining the WBZ family and
connecting with their incredible audience. To all the BEZ listeners,
we are honored to be here. We look forward to
interacting with you and can't wait to bring you clear,
honest and practical advice around something that affects every household,
your money exactly, whether it's investing, retirement planning, tax strategies,
(19:52):
are just making the most of what you've worked so
hard to save. Were here to help you feel more
confident and in control. Peace of mind is our goal,
and we hope to deliver some of that through the
BESY airwaves.
Speaker 9 (20:04):
So stick with us. Let's talk money. Let's talk planning
and let's make your financial future something to look forward to.
Speaker 8 (20:13):
In the meantime, if you'd like to reach out to
our team, please grab a pen and jot down this
phone number here it is eight eight eight eight hundred
eighteen eighty one.
Speaker 9 (20:23):
Once again, our phone number is triple eight eight hundred
eighteen eighty one. We look forward to speaking with you
until next week. I'm Greg Workman and.
Speaker 8 (20:34):
I Mike you said join us next week for more
safe money strategies.
Speaker 6 (20:42):
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 guide's insureds your assets are allocated wisely, helping your
(21:03):
money last as long as you need it. 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
(21:24):
build a balance portfolio. For the guide, and a free
consultation with a Kelly Advisor. Call eight eight eight eight
hundred eighteen eighty one or email Kelly at Kellyfinancial dot org.
We're Kelly Financial. Come retire with us. Before we say goodnight,
I'd like to share something very special. It's a moment
(21:47):
from years ago, just a simple conversation between my late
husband Bill Kelly and our little son, William Kelly Junior,
who was only four or five years old at the time.
Its tender is timeless, and it captures so much of
what really matters family, love and being present. We hope
(22:10):
it brings a smile to your face as you wind
down your evening. Good night, and we'll see you next Saturday.
Right here on WBZ, We're are God, my little one,
little one?
Speaker 10 (22:29):
Where are you?
Speaker 7 (22:32):
Mommy?
Speaker 1 (22:33):
Me?
Speaker 10 (22:34):
Mile too?
Speaker 5 (22:37):
Row and you tube two.
Speaker 10 (22:41):
Round for.
Speaker 3 (22:45):
Hey? Dad?
Speaker 4 (22:46):
Oh?
Speaker 3 (22:46):
Hi?
Speaker 10 (22:46):
Who's this William Kelly?
Speaker 9 (22:48):
Yeah?
Speaker 10 (22:48):
How are you?
Speaker 5 (22:49):
Great?
Speaker 10 (22:49):
Great? Great? What you're doing today?
Speaker 8 (22:52):
Gospels?
Speaker 10 (22:53):
Yes, you hit some golf balls? Huh? How'd you hit?
Speaker 6 (22:55):
Great?
Speaker 10 (22:56):
Great? Now you noticed you hit some maybe over fifty yards,
made a lot of points. Did you do some putting too?
Speaker 6 (23:02):
Yep? Now, which you were very you know what happened.
Speaker 10 (23:05):
Well, yeah, that's true, But I just thought if I
asked you the question, you could tell the people. William Solf, Yes,
I was there, But now, what kind of swing are
you using?
Speaker 6 (23:13):
Ben Hogan?
Speaker 10 (23:14):
You like the Ben Hogan swing?
Speaker 3 (23:16):
Yeah?
Speaker 10 (23:16):
Yeah, he had a great swing, didn't he. Yeah it
was smooth, wasn't it.
Speaker 7 (23:20):
Yeah?
Speaker 10 (23:21):
He was an athlete. I guess, wouldn't you say that? Yeah,
so we were talking about some great things. You're having
a good summer vacation. What are your activities now?
Speaker 4 (23:29):
Kind of golf?
Speaker 6 (23:31):
And I believe that I used to play t ball.
Speaker 10 (23:34):
Now you're tutoring. Oh not today, no, but you have
been tutoring. I've noticed. Now what type of tutoring are
you doing there?
Speaker 6 (23:41):
Like learning?
Speaker 10 (23:42):
Really? And I noticed I was talking to a lady
the other night. You're half Southern? Is that correct? Yes?
And how do we know that? Like, how could someone
know that? It's because I'm born in my mommy's tummy
and she was born from the south.
Speaker 6 (23:57):
So when I got nurse, we got half some and half.
Speaker 2 (23:59):
Norm there, mecus, I was born in north and my
mother was from the South, so.
Speaker 10 (24:05):
That's time make me half and half okay, So that's
why you say yes ma'am all the time. Then right, yeah,
oh great. And we talked about our five favorite things
the other day. Can you give us some of your
five favorite things?
Speaker 4 (24:18):
Okay?
Speaker 11 (24:19):
But did we start at five?
Speaker 10 (24:21):
Yes? Start at five?
Speaker 6 (24:24):
Five?
Speaker 1 (24:26):
I think I forgot five before.
Speaker 10 (24:28):
I forgot really yeah, okay? How about three?
Speaker 6 (24:33):
Three is minecraft?
Speaker 10 (24:35):
Wow?
Speaker 1 (24:35):
How about Jewish French versus armies?
Speaker 6 (24:37):
And one is the specialist one in the world. What
my family?
Speaker 10 (24:42):
That's your number one favorite thing?
Speaker 2 (24:44):
Yeah?
Speaker 10 (24:44):
Wow? Now what about Dixie and Bogart the cat?
Speaker 6 (24:48):
I don't see them.
Speaker 10 (24:49):
Oh, they're part of the family. They're part of number one. Yeah,
very good.
Speaker 6 (24:53):
They're adopted.
Speaker 10 (24:54):
They are Well, they're just like found one in the
woods and one is that's adopted.
Speaker 1 (25:00):
But he was found in the woods and we adopted Dixie.
Speaker 10 (25:04):
Bogie still acts a little while he goes out there hunting,
doesn't he even he can beat up.
Speaker 6 (25:09):
A coyote and he's small and he can beat up
a coyote.
Speaker 10 (25:13):
I know what. That coyote tried to grab him and
he beat him away. Wow, that's amazing, isn't it.
Speaker 6 (25:18):
Well, a big coyote against a small little cat.
Speaker 8 (25:21):
The small little cat wins.
Speaker 10 (25:24):
Well, bog, he's stronger. Yeah, he's strong as an ox though.
I mean that cat is all muscle. He can jump
like eight feet in the air, so he must have
surprised the coyote, right yeah, okay, God, all right then,
well thanks for you know, coming on talking with the folks,
and you know Daddy loves you, right, yes, okay, Then
I'll see you when I get home. Okay, yep, okay,
(25:46):
I love you too.
Speaker 6 (25:47):
Fie you going, my little one.
Speaker 10 (25:57):
Where my baby my own.
Speaker 1 (26:30):
Discover safe money Strategies with Kelly Kelly and her team
called Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org.
Speaker 11 (26:52):
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Kelly Financial Services are solely their own and do not
reflect the opinions of Kelly Financial Services. Information has been
obtained from sources deemed to be reliable, but their accuracy
and completeness cannot be guaranteed. The information provided is general
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