November 15, 2025 • 27 mins
This week on Safe Money Strategies, Kelly Kelly and her son William Kelly Jr. open Forever Young with reflections on life’s miracles and challenges and the choice we each have to live with purpose, faith, and connection. William shares exciting news about committing to Bryant University, while Kelly celebrates this milestone as both a mother and mentor.
Later, Kelly and William return to discuss the realities of the sandwich generation, balancing support for aging parents while guiding the next generation toward financial independence.
Then, Mike Doucette and Greg Workman break down smart income strategies for retirees navigating inflation and year-end planning. Mary Madeline Kelly and Greg Murray discuss the outlook for cash, what savers should know as interest rates begin to drop and how to position liquid assets wisely.
Finally, Bill Kelly reminds us what truly matters, from our first breath to our last, in a heartfelt reflection on family, love, and the timeless lessons from Bailey Brook Farm.
Make Safe Money Strategies part of your Saturday night tradition. Have questions or want to schedule a complimentary consultation? Call 888-800-1881 or email kelly@kellyfinancial.org.
See omnystudio.com/listener for privacy information.
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Episode Transcript
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Speaker 1 (00:00):
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 2 (00:16):
Hello, this is Greg Myers, Senior vice president and Chief
Compliance Officer at Kelly Financial Services. Joining me this evening
is Mary Madeline Kelly, one of our wealth advisors. How
are you doing tonight?
Speaker 1 (00:25):
Hi?
Speaker 3 (00:26):
Greg, I am doing great. I'm going to a friends
giving tonight, which is always a good time. I love
the concept of friendsgiving. It's such a nice reminder that
family isn't just who you're related to, it's the friends
who have become family over the years.
Speaker 2 (00:39):
Friendsgiving that's one of my favorite new traditions too. There's
always too much food though, and all on laughter and
at least one person who forgets the roles in the oven.
It's a great way to kick off the holiday season.
Speaker 3 (00:49):
Absolutely, And I think this is the perfect time to
start talking about something that's on a lot of people's
minds right now, what to do with cash as interest
rates start to come down.
Speaker 2 (00:58):
Exactly for the past couple of year years, people have
been thrilled to see their savings account CDs in money
markets finally paying four or five percent. But with the
feder Reserve cutting rates, that easy yield in cash probably
isn't going to last.
Speaker 3 (01:10):
That's right, So now's the time to look at smart
alternatives for your cash options that can still keep your
money safe but potentially offer better income and even some
tax advantages.
Speaker 2 (01:20):
And one of the best examples is municipal bonds. These
are bonds issued by cities and states to fund public
projects like schools, hospitals, or roads, and the interest they
pay is generally tax free at the federal level. In
some cases, if you live in the same state as
the bond issuer, it can be state tax free too.
Speaker 3 (01:37):
When you compare that to a traditional savings account or CD,
the after tax return on municipal bonds can actually be higher,
especially for people in higher income brackets. For example, a
four percent tax free muni bond might be equivalent to
earning five percent or six percent on a taxable investment.
Speaker 2 (01:55):
That's a great point, and unlike to stock market, municipal
bonds tend to be much steadier. You can use individual
bonds or bond funds depending on your goals and how
long you want to lock in the rate.
Speaker 3 (02:05):
And for people who like flexibility. There are short term
municipal bond funds or ETFs that still focus on high
quality issuers, but allow you to move your money more easily,
so you can earn attractive tax free interest while keeping
liquidity in case you need the funds.
Speaker 2 (02:20):
Another area that's getting attention is fixed index annuities or
multi year guaranteed annuities called magas. They can offer principal
protection and fix rate that's locked in for a certain
number of years, which is appealing if f rates start
to fall.
Speaker 3 (02:33):
Yes, and in many cases the interest grows tax deferred.
That means you don't pay taxes until you actually take
the money out, which can help lower your current taxable income.
For retirees who don't need all of their cash right away,
that's a nice benefit.
Speaker 2 (02:46):
And of course all of this fits into a bigger
picture balancing safety, income and taxes. When rates are high,
it's easy to just park money in the bank and
feel good. But in the lower rate world, smart investors
look for ways to be more.
Speaker 3 (02:58):
Strategic exactly to take on big risks to be efficient.
For example, laddering municipal bonds or CDs can help you
lock in today's rates while keeping some cash available if
rates move again.
Speaker 2 (03:10):
And that's an important distinction. We're not talking about speculating.
We're talking about using conservative, income focused strategies that protect
your principle and make your money work a little harder
after taxes.
Speaker 3 (03:20):
Right, Because when rates fall, the nominal yield on cash
might look okay, but once you factor in inflation and taxes,
your real return could actually be negative. That's why these
tax advantage options become so valuable.
Speaker 2 (03:34):
So let's summarize a few key takeaways for our listeners. One,
don't let too much cash sit idle. Even safe money
can lose value over time.
Speaker 4 (03:41):
Two.
Speaker 2 (03:42):
Look into municipal bond strategies for tax free interest income.
Three consider tax deferred annuities for safety and predictable returns.
Four build a mix with some liquidity, some fixed income,
in some long term protection.
Speaker 3 (03:54):
Perfect summary, and this is where planning really matters. At
Kelly Financial, we help clients evaluate all of these options
side by side to see what's safe, what's smart, and
what's most tax efficient for their specific goals.
Speaker 2 (04:07):
Because at the end of the day, investing isn't just
about chasing the highest yield. It's about keeping more of
what you earn and making sure your cash is working
for you even when interest rates are changing.
Speaker 3 (04:16):
Exactly and now it's the time to take a closer
look before rates start dropping and opportunities narrow.
Speaker 2 (04:22):
Well said, if you'd like to learn more about municipal
bond strategies or other safe, tax efficient cash alternatives, give
us a call. We'd be happy to walk you through
your options.
Speaker 3 (04:30):
Absolutely well, Greg, I will chat with you next week.
Speaker 2 (04:33):
Have fun tonight.
Speaker 3 (04:34):
Thank you.
Speaker 1 (04:38):
Safe Money Strategies with Kelly Kelly and her team called
Kelly Financial at eighty to eight eight hundred one or
go to Kelly Financial dot org.
Speaker 5 (04:51):
Welcome back to Save Money Strategies. I'm Kellie Kelly, joined
once again by my son, William Kelly Junior. In our
last segment, we looked at what it means to be
part of the Sandwich generation that season when you're helping
parents and kids at the same time. Now let's shift
gears to the solutions how to stay generous without losing
(05:15):
your own financial footing.
Speaker 6 (05:17):
It's such an important topic.
Speaker 1 (05:18):
A lot of retirees tell us they feel like they're
still working full time, not for a paycheck anymore, but
for their families and while that kind of generosity comes
from love. It can also lead to exhaustion, both emotionally
and financially.
Speaker 5 (05:30):
When you're stretched thin, you start making quick decisions. Maybe
you dip into savings to cover an unexpected expense for
your child, or you agree to help with a parent's
medical bill even if you're not sure how it fits
into your budget. Those decisions feel good in the moment,
but they can create long term stress later.
Speaker 1 (05:52):
And that's why we always say preparation replaces guilt. When
you have a plan and know your limits, you can
say yes with confidence and know without guilt.
Speaker 5 (06:00):
Boundaries really are essential. They're not harsh, they're healthy. One
couple we work with, for example, helps their daughter with
graduate school tuition, but they've agreed is only through the
end of her program. Everyone knows the plan, and that
eliminates awkward conversations.
Speaker 1 (06:19):
That's such a great example. Setting expectations ahead of time
shows your family that generosity comes with responsibility. It teaches
financial independence rather than dependency, and that's an incredible gift
to pass on.
Speaker 5 (06:31):
It really is, and we remind clients that help doesn't
always have to be financial. You can mentor guide or
share your experience you can help a child with a
resume or a parent with local services. Sometimes the most
powerful support is your wisdom and encouragement.
Speaker 6 (06:51):
That's true. You've always said, don't give what you don't have.
Speaker 1 (06:55):
Preserving your retirement assets isn't selfish, it's good stewardship. The
stronger your foundation, the more consistently you can help others.
Speaker 5 (07:05):
That word stewardship really captures it because it's not about
clinging to what you build. It's about managing it wisely,
so at last, responsible stewardship allows you to continue helping
without losing your peace of mind exactly.
Speaker 1 (07:22):
And part of that stewardship is anticipating future costs. It's
not if expenses will come, it's when. That might mean
long term care for a parent, home maintenance, or even
helping a child by their first home. Planning for those
possibilities now gives you options later.
Speaker 5 (07:38):
That's why stress testing your plan is so powerful. A
fiduciary advisor can model real world scenarios like what if
I help my child for three years? Or what if
my parent needs assisted living. When you can see the
outcomes on paper, it takes away the uncertainty and it turns.
Speaker 1 (08:00):
Emotion into clarity. Suddenly, you're not reacting, you're leading. Those
are two very different postures when it comes to family decisions.
Speaker 5 (08:10):
Absolutely, and we've found that clients who have these plans
in place actually feel more generous because they know what's
safe to give. They can help joyfully instead of anxiously.
Speaker 1 (08:22):
It's also a conversation worth having with family. Talk openly
about your limits and priorities. We've seen adult children step
up when they understand the full picture. Families communicate better
when everyone's on the same page.
Speaker 5 (08:35):
And a good advisor can help facilitate that. They can
bring the family together, show how the plan works, and
explain what's sustainable. Is such a relief for everyone involved.
Speaker 1 (08:48):
That's one of my favorite parts about our work, helping
families communicate about money without tension. When love and logic meat, everything.
Speaker 6 (08:56):
Just works better.
Speaker 5 (08:57):
I couldn't agree more so for anyone listening. If this
conversation hits home, if you're feeling stretched or uncertain, I
encourage you to take the first step. Request our complementary
retirement income Planning Checklist. It's designed to help you balance
generosity with independence and walk you through guaranteed income healthcare planning,
(09:22):
tax efficiency and legacy goals.
Speaker 1 (09:25):
Because the truth is, you spend a lifetime helping everyone else.
Now it's time to make sure your plan helps you
too exactly.
Speaker 5 (09:32):
Protecting your future is the best way to keep showing
up for the people you love.
Speaker 6 (09:38):
Do keep us on your dial.
Speaker 1 (09:39):
We have more valuable financial insights.
Speaker 6 (09:41):
Coming your way.
Speaker 5 (09:42):
You're listening to safe money Strategies on WBZ.
Speaker 1 (09:49):
Safe Money Strategies with Kelly Kelly and your team called
Kelly Financial at eighty eight eight hundred twenty eight one
or go to Kelly financial dot org Dot's Kelly at
Kelly financial.
Speaker 7 (09:59):
Dot Welcome back to safe money Strategies. Earlier in the show,
we covered required minimum distributions, what they are, how to
handle multiple accounts, and why having a plan matters. Now,
let's talk about steps you can take right now to
make your retirement income more efficient and less stressful.
Speaker 8 (10:19):
Right many retirees focus only on rmds without thinking about
the bigger picture. How withdrawals, taxes, and investment risk all
work together to impact your income. A thoughtful strategy can
make a huge impact.
Speaker 7 (10:36):
Step one, create a withdrawal plan that fits your lifestyle.
Think of it as a roadmap for your money. Instead
of guessing month to month, you know exactly how much
you'll need, when you'll need it, in which accounts to
tap first.
Speaker 8 (10:48):
And it's not just about covering the bills. You want
to prioritize spending, plan for taxes, and leave room for
unexpected expenses. One practical tip set aside a short term
cash reserve enough to cover a year of living expenses.
This way, you're not forced to sell investments in a
market downturn to meet short term needs.
Speaker 7 (11:10):
Step two align your investments with your income needs. If
you're taking regular withdrawals, part of your portfolio should be
in lower risk income generating investments like bonds, dividend paying stocks,
or conservative mutual funds. Protecting the portion you'll need soon
is critical.
Speaker 8 (11:27):
The third step be tech smart with withdrawals. Retirement income
can come from multiple sources pension, social security iras, wroth irays,
and four oh one ks in addition to taxable accounts.
Planning the order of withdrawals can reduce your overall tax burden.
(11:48):
For example, in early retirement, it may make sense to
draw from taxable accounts first, while letting iras and wroth
irays grow.
Speaker 7 (11:58):
Step four simplify your accounts. Consolidating accounts reduces confusion, makes
withdrawals easier to track, and helps you stay organized. Less
complexity equals less stress and fewer mistakes.
Speaker 8 (12:11):
The fifth step monitor your plan regularly. Life changes, markets change,
and your spending needs may change. Reviewing your plan annually
or more often ensures that your strategy stays aligned with
your lifestyle and your goals.
Speaker 7 (12:29):
Step six use professional planning resources. Our Safe Money Strategies
workbook is a practical tool that helps you see where
withdrawals should come from, track income, and flag areas that
need adjustment. It's not just a workbook, it's a roadmap
to peace of mind.
Speaker 8 (12:45):
Let's make this reel with a client example. Joe and Maria,
a retired couple. We're worried about taxes and market risk.
Joe wasn't sure the best order to withdraw from their
IRA and taxable accounts, and Maria she wanted to protect
their investments from market swings.
Speaker 7 (13:03):
We walked them through their entire income pitture. First, we
looked at their current account balances and RMD requirements. Then
we created a sequence of withdrawals that minimized taxes while
preserving portfolio growth. They started by drawing from taxable accounts first,
letting roth accounts continue to grow tax free, and maintaining
a portion of the portfolio in conservative income generating investments.
Speaker 8 (13:27):
We also helped them consolidate smaller accounts into fewer companies,
making it easier to track distributions and rebalance investments. On
top of that, we created a cash reserve to cover
short term expenses so they wouldn't have to sell investments
during market downturns.
Speaker 7 (13:44):
The result, predictable income, reduced stress, and more confidence in
their financial future. They no longer worry about running out
of money or making the wrong withdrawal decisions.
Speaker 8 (13:54):
Joe and Maria's experience highlights something important. It's not just
about the numbers. Having a plan, Knowing your withdrawal sequence
and aligning investments with your income needs reduces anxiety and
gives you peace of mind.
Speaker 6 (14:08):
And this isn't unique to Joe and Maria.
Speaker 7 (14:10):
Many retirees fail overwhelmed trying to manage multiple accounts, withdrawals
and taxes on their own. That's why taking action now
before year end or before your RMD deadline can prevent
mistakes in unnecessary stress.
Speaker 8 (14:23):
Another tip we often share make sure your withdrawal plan
is flexible life. It can be unpredictable health expenses, unexpected
travel or family support needs may arise. Your plan should
allow you to adjust withdrawals while staying on track for
your long term goals.
Speaker 7 (14:43):
It's also important to review tax implications each year. For example,
rmds from traditional arrays count is taxable income, which can
affect Medicare premiums and source security taxation. Pulling from taxable
accounts or WROTH accounts strategically can sometimes reduce overall taxes
and smooth income over time.
Speaker 8 (15:01):
So if you're listening and wondering, how do I know
if my retirement income strategy is efficient and stress.
Speaker 6 (15:08):
Free, here's what you can do.
Speaker 8 (15:09):
Call our office to schedule a complementary retirement income analysis.
We will walk you through your accounts, review your withdrawal strategy,
and help you determine if your plan is on track.
Speaker 7 (15:24):
There's no cost, no obligation, just a chance to get
clarity on your retirement income and reduce financial stress. Many
retirees fail immediate relief just by seeing a clear plan
in front of them.
Speaker 8 (15:35):
And that clarity can make a huge difference. Knowing what
accounts to withdraw from, how to manage taxes, and how
to align your investments gives you confidence to enjoy your
retirement without second guessing every financial decision.
Speaker 7 (15:50):
Remember, retirement should be a time of peace, not worry.
Taking proactive steps now creating withdrawal plan, aligning investments, simplify
accounts in monitoring your plan can make all the difference.
Speaker 8 (16:03):
Joe and Maria, Nancy and so many of our clients
have experienced this firsthand. Planning in advance with the right
strategy and guidance allows you to take control of your
retirement income and reduce stress significantly.
Speaker 6 (16:19):
So don't wait.
Speaker 7 (16:20):
Pick up the phone, call our office and schedule YAW
complimentary Retirement income Analysis. Let's help you create a plan
that protects your savings, minimizes taxes, and gives you peace
of mind for the years ahead.
Speaker 8 (16:32):
Thank you for tuning in to safe money strategies. Remember, clarity,
confidence and peace of mind are well within reach. Call
our office and take that first step toward a smarter,
less stressful retirement. With that, I'm Greg Workman, and.
Speaker 7 (16:49):
Now Mike du said, We'll see you next time.
Speaker 1 (16:52):
Call us today at eight eight eight hundred and eighty
one or visit us online at Kellyfinancial dot org.
Speaker 9 (17:01):
Joining us now in our radio fon brought to you
by Kelly Financial Services, Dan Stack, CEO of the Disabled
American Veterans and joining us now in studio as well
with tremendous pride, William Kelly Junior. How are you, William?
Speaker 6 (17:20):
A fantastic thank you for asking? How are you? Very
very good?
Speaker 9 (17:23):
And you know, Dan Stack and I were just talking
off the air a couple five minutes ago, looking at
you talking to my son Ashton outside the studio, and
he says, you know, he remembers you guys when you
were small. And he looks at you. You're built like
a you know, you're built like a truck. He looks
at Ashton, He's built like a tank.
Speaker 4 (17:43):
Oh y, you know.
Speaker 9 (17:44):
And the two of you are talking and he says, boy,
they grow up so fast, both of you really do.
Speaker 6 (17:51):
William.
Speaker 9 (17:51):
I got to ask you. You're Kelly Financial, big supporter,
you're obviously sponsoring this hour. Why does Kelly Financial cares
much about our veterans and especially the.
Speaker 6 (18:03):
Dav Well for starters.
Speaker 1 (18:05):
I'll say that without our veterans, and without our armed
forces in general, we would not have the things that
we have today.
Speaker 6 (18:11):
And I know that we hear that a lot, we
say it a lot, but we.
Speaker 1 (18:13):
Literally wouldn't like if we did not take up arms
during the Revolutionary War, we wouldn't have our country. So
it's our fighters who protect us and keep us in
this way of life. You guys have probably heard that
a million times now, but truthfully, that's the ethos of it.
Pretty much, that's the core, and my father understood that
him being a veteran himself, and truly we just love
veterans and we love the military.
Speaker 9 (18:33):
There are many organizations and I know you give a lot.
You're very generous. Kelly Financial is very generous. Why the
disabled American Veterans.
Speaker 6 (18:42):
It's focused and it's local.
Speaker 1 (18:43):
My brother's keeper, for example, same way I've worked with
them before. I volunteered for them. And you see it
with dav Massachusetts. You see it as well, and it's
completely focused and it's in an area in our community.
And I think one of the best things you can
do as an American citizen is help your community. Helping
the grand scheme of things is great as well. I'm
not denouncing that at all, but I am saying that
(19:04):
I think a community focus is what makes it very
special and I have a lot of respect for that.
And also we've known you guys forever. You guys are
amazing folks. So Kelly Financial Services would like to donate
three thousand dollars to the additional one. Yeah, and on
top of the sponsorship, I would also like to donate
an additional two thousand dollars.
Speaker 6 (19:22):
Are you serious?
Speaker 9 (19:23):
Out of your own this, out of your own bank account, yes, sir,
two thousand dollars.
Speaker 6 (19:27):
Yeah, why not? God bless you's been good.
Speaker 9 (19:30):
Hey, I only have ice for my wife, but I
love you in a non sexual way, my friend Dan Stack.
Speaker 6 (19:38):
Anything you want to say to William.
Speaker 10 (19:39):
I don't know what to say to William, to be
quite honest with you, because you made me cry the
first time you called in, just after your dad had passed.
And your dad has been a sponsor of our program
since we started, and I can't thank him enough, but
I know he's looking down very proud of you. That
day that you called in as a young young man
(20:02):
and donated what you had saved was something that just
broke my heart. And you have done that every year since. William,
Thank you so much.
Speaker 6 (20:10):
Thank you Deah, thank you guys for this opportunity.
Speaker 9 (20:13):
William, thank you again, truly, from the bottom of my heart,
thank you so much.
Speaker 5 (20:21):
Bill Kelly always had a way of reminding us what
really matters. From that very first breath to the very last.
Life will bring us both miracles and challenges, but through
it all, what counts is that we choose to live,
to love, to stay connected, and to keep showing up
for one another. Here's Bill Kelly.
Speaker 4 (20:45):
We decide that we love life, people love us, we
love them, and we want to be with those people.
It's just another piece of evidence that we don't exist
as islands of humanity. The first breath we take in
life is probably involuntary if we're lucky enough to be
born healthy and move ahead in time on Earth. Every
breath we take after we reach the age of consent
(21:07):
is basically voluntary. Between the first breath and the last one,
a lot of things happen. Some of those things might
seem like a miracle and some like a curse. But
we are a collection of people who love life obviously,
or many of us would just quit and give up.
We could take a survey and ask people if they
are in favor of living. If we compare the number
(21:27):
of people who decide to participate with the number of
people who decide to opt out on any given day,
we'd have to admit the survey overwhelmingly points to the
fact we prefer to live with all the pain and
all the joy that living encompasses. We can have doubts,
we can have hopes, and we can have dreams. I
grew up on a farm. I had my own trees,
(21:50):
my own stone walls in my own brook, and I
could play many children today, including William, meet a lot
of FaceTime. He needs me there. And I don't mean
just sitting in the same room working on my computer
while he works his iPad. That's not going to cut it.
That's not FaceTime. He needs me to be participating in
an activity with him. If I do that for twenty
forty minutes, we can sit in the same room without
(22:12):
the need to be facing each other. If I don't
do that, then he's constantly in need. Since he's the
best friend I've ever had, I don't mind doing it
at all. He's a great human being who happens to
be my son, and I love him. When I was
about three, I had a little routine during the early
morning hours on the farm. It was a bad thing
to do, and I admit it because it was deliberate
(22:34):
and pre planned. I couldn't help it. Like a compulsive gambler,
I was a compulsive cookie eater. I slept in the
same bedroom as gramp in a crib with the top
my father had made. It had a screen, and it
had latches all along the edge to keep me from
getting out. Over a period of time, however, I was
able to create a bit of a hole in the
crib screen that no one could see but me. I
would poke my hand through and undo the latches. Somewhere
(22:57):
around five am each morning. I would escape, all the
time making sure that Graham was still asleep. After landing
on the chair where he had left his green work
pants and flannel shirt, I'd step onto the floor, walk
into the kitchen and go to the kitchen table. Then
I'd slide a chair over to the cabinet that had
the cookies in it. Since it was padlocked, I had
to climb onto the counter and reach on top of
(23:19):
the refrigerator so I could get the key to open it.
I remember stretching up to the top shelf where there
were bags of cookies. I took the number of cookies
I wanted, close the cabinet door and put the padlock back.
After replacing the key on top of the refrigerator, I
would climb back down onto the kitchen chair and from
there down to the floor. Then I would slide the
(23:39):
chair over to the table, go back into my bedroom
with my sleeping grandfather, climb up on his chair and
back into the crib. I had cookies inside the zipper
of my footy pajamas and must have looked like a teletubby.
After eating those cookies, I'd go back to sleep. When
William was five, he and I went to the baseball
batting cages. He was starting to hit off a tee.
(24:01):
We finished, and while I was paying the owner, William
was over by the break area talking to the high
school baseball players who were all talking to him. There's
a twisting movement a beginning batter does with his back foot.
It's called stepping on the bug. You have to twist
your back foot and pivot your hips, and that's how
you develop your stride. Eventually, it teaches a beginner to
(24:24):
open up the hips at the right time. So William
is talking to these teenagers about stepping on the bug,
and I notice a camaraderie in respect between him and them.
He's learning to be a young man with other young men.
One of the things I like about going to the
batting cages is meeting the type of kids who play baseball.
It's an amazing sport and seems to attract good kids.
(24:47):
The team practices, the uniforms, and the traditions are just
so American. You know, some people on the left get
offended when I use the term so American. I love
America and traditions like baseball. I Having a son late
in life has understandably made a big difference in how
I think about my practice. I've changed many things in
anticipation that William may be running the company some day.
(25:10):
This means I might have to extend my horizons by
practicing for another twenty years. Having these goals has done
a lot for me. They inspire me to do a
better job every day by improving upon the things that
occupy me on a regular basis. Back to youth baseball.
If William continues playing, he'll meet some great kids. As
for his demeanor, again, it's a lot like that of
(25:31):
my grandfather Tim Murphy William is deliberate, smart, steady and focused.
He's constantly moving ahead and making progress. I love it,
and I love the spirit of those young baseball players.
I'm glad my son gets along with them and that
he'll be playing baseball some day. I know he'll be
better than I was, because he started early in the spring.
(25:53):
When I got my baseball glove ready, there just weren't
that many people around to play with me. Sometimes I
would hit the ball to myself. Sometimes I would throw
the ball against the side of a shed. I'd get
old tennis balls and hit myself grounders. But I never
really could play the game well. I loved it, though.
I used to keep score and listen to the Red
Sox games when the team went on their road trips
to the West Coast. I remember listening to Kurt Goudie
(26:15):
on the radio late at night under the bedspread with
my dog Minnie. I would fall asleep with my transistor
radio beneath my pillow, pencil in hand. The very next morning,
at breakfast, I would have my cereal and talk to
gramp about the game. It was a great life.
Speaker 1 (26:32):
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. All opinions expressed
(26:53):
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 SASS
is deemed to be reliable, but their accuracy and completeness
cannot be guaranteed. The information provided as 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.
Call Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org.
Speaker 2 (00:16):
Hello, this is Greg Myers, Senior vice president and Chief
Compliance Officer at Kelly Financial Services. Joining me this evening
is Mary Madeline Kelly, one of our wealth advisors. How
are you doing tonight?
Speaker 1 (00:25):
Hi?
Speaker 3 (00:26):
Greg, I am doing great. I'm going to a friends
giving tonight, which is always a good time. I love
the concept of friendsgiving. It's such a nice reminder that
family isn't just who you're related to, it's the friends
who have become family over the years.
Speaker 2 (00:39):
Friendsgiving that's one of my favorite new traditions too. There's
always too much food though, and all on laughter and
at least one person who forgets the roles in the oven.
It's a great way to kick off the holiday season.
Speaker 3 (00:49):
Absolutely, And I think this is the perfect time to
start talking about something that's on a lot of people's
minds right now, what to do with cash as interest
rates start to come down.
Speaker 2 (00:58):
Exactly for the past couple of year years, people have
been thrilled to see their savings account CDs in money
markets finally paying four or five percent. But with the
feder Reserve cutting rates, that easy yield in cash probably
isn't going to last.
Speaker 3 (01:10):
That's right, So now's the time to look at smart
alternatives for your cash options that can still keep your
money safe but potentially offer better income and even some
tax advantages.
Speaker 2 (01:20):
And one of the best examples is municipal bonds. These
are bonds issued by cities and states to fund public
projects like schools, hospitals, or roads, and the interest they
pay is generally tax free at the federal level. In
some cases, if you live in the same state as
the bond issuer, it can be state tax free too.
Speaker 3 (01:37):
When you compare that to a traditional savings account or CD,
the after tax return on municipal bonds can actually be higher,
especially for people in higher income brackets. For example, a
four percent tax free muni bond might be equivalent to
earning five percent or six percent on a taxable investment.
Speaker 2 (01:55):
That's a great point, and unlike to stock market, municipal
bonds tend to be much steadier. You can use individual
bonds or bond funds depending on your goals and how
long you want to lock in the rate.
Speaker 3 (02:05):
And for people who like flexibility. There are short term
municipal bond funds or ETFs that still focus on high
quality issuers, but allow you to move your money more easily,
so you can earn attractive tax free interest while keeping
liquidity in case you need the funds.
Speaker 2 (02:20):
Another area that's getting attention is fixed index annuities or
multi year guaranteed annuities called magas. They can offer principal
protection and fix rate that's locked in for a certain
number of years, which is appealing if f rates start
to fall.
Speaker 3 (02:33):
Yes, and in many cases the interest grows tax deferred.
That means you don't pay taxes until you actually take
the money out, which can help lower your current taxable income.
For retirees who don't need all of their cash right away,
that's a nice benefit.
Speaker 2 (02:46):
And of course all of this fits into a bigger
picture balancing safety, income and taxes. When rates are high,
it's easy to just park money in the bank and
feel good. But in the lower rate world, smart investors
look for ways to be more.
Speaker 3 (02:58):
Strategic exactly to take on big risks to be efficient.
For example, laddering municipal bonds or CDs can help you
lock in today's rates while keeping some cash available if
rates move again.
Speaker 2 (03:10):
And that's an important distinction. We're not talking about speculating.
We're talking about using conservative, income focused strategies that protect
your principle and make your money work a little harder
after taxes.
Speaker 3 (03:20):
Right, Because when rates fall, the nominal yield on cash
might look okay, but once you factor in inflation and taxes,
your real return could actually be negative. That's why these
tax advantage options become so valuable.
Speaker 2 (03:34):
So let's summarize a few key takeaways for our listeners. One,
don't let too much cash sit idle. Even safe money
can lose value over time.
Speaker 4 (03:41):
Two.
Speaker 2 (03:42):
Look into municipal bond strategies for tax free interest income.
Three consider tax deferred annuities for safety and predictable returns.
Four build a mix with some liquidity, some fixed income,
in some long term protection.
Speaker 3 (03:54):
Perfect summary, and this is where planning really matters. At
Kelly Financial, we help clients evaluate all of these options
side by side to see what's safe, what's smart, and
what's most tax efficient for their specific goals.
Speaker 2 (04:07):
Because at the end of the day, investing isn't just
about chasing the highest yield. It's about keeping more of
what you earn and making sure your cash is working
for you even when interest rates are changing.
Speaker 3 (04:16):
Exactly and now it's the time to take a closer
look before rates start dropping and opportunities narrow.
Speaker 2 (04:22):
Well said, if you'd like to learn more about municipal
bond strategies or other safe, tax efficient cash alternatives, give
us a call. We'd be happy to walk you through
your options.
Speaker 3 (04:30):
Absolutely well, Greg, I will chat with you next week.
Speaker 2 (04:33):
Have fun tonight.
Speaker 3 (04:34):
Thank you.
Speaker 1 (04:38):
Safe Money Strategies with Kelly Kelly and her team called
Kelly Financial at eighty to eight eight hundred one or
go to Kelly Financial dot org.
Speaker 5 (04:51):
Welcome back to Save Money Strategies. I'm Kellie Kelly, joined
once again by my son, William Kelly Junior. In our
last segment, we looked at what it means to be
part of the Sandwich generation that season when you're helping
parents and kids at the same time. Now let's shift
gears to the solutions how to stay generous without losing
(05:15):
your own financial footing.
Speaker 6 (05:17):
It's such an important topic.
Speaker 1 (05:18):
A lot of retirees tell us they feel like they're
still working full time, not for a paycheck anymore, but
for their families and while that kind of generosity comes
from love. It can also lead to exhaustion, both emotionally
and financially.
Speaker 5 (05:30):
When you're stretched thin, you start making quick decisions. Maybe
you dip into savings to cover an unexpected expense for
your child, or you agree to help with a parent's
medical bill even if you're not sure how it fits
into your budget. Those decisions feel good in the moment,
but they can create long term stress later.
Speaker 1 (05:52):
And that's why we always say preparation replaces guilt. When
you have a plan and know your limits, you can
say yes with confidence and know without guilt.
Speaker 5 (06:00):
Boundaries really are essential. They're not harsh, they're healthy. One
couple we work with, for example, helps their daughter with
graduate school tuition, but they've agreed is only through the
end of her program. Everyone knows the plan, and that
eliminates awkward conversations.
Speaker 1 (06:19):
That's such a great example. Setting expectations ahead of time
shows your family that generosity comes with responsibility. It teaches
financial independence rather than dependency, and that's an incredible gift
to pass on.
Speaker 5 (06:31):
It really is, and we remind clients that help doesn't
always have to be financial. You can mentor guide or
share your experience you can help a child with a
resume or a parent with local services. Sometimes the most
powerful support is your wisdom and encouragement.
Speaker 6 (06:51):
That's true. You've always said, don't give what you don't have.
Speaker 1 (06:55):
Preserving your retirement assets isn't selfish, it's good stewardship. The
stronger your foundation, the more consistently you can help others.
Speaker 5 (07:05):
That word stewardship really captures it because it's not about
clinging to what you build. It's about managing it wisely,
so at last, responsible stewardship allows you to continue helping
without losing your peace of mind exactly.
Speaker 1 (07:22):
And part of that stewardship is anticipating future costs. It's
not if expenses will come, it's when. That might mean
long term care for a parent, home maintenance, or even
helping a child by their first home. Planning for those
possibilities now gives you options later.
Speaker 5 (07:38):
That's why stress testing your plan is so powerful. A
fiduciary advisor can model real world scenarios like what if
I help my child for three years? Or what if
my parent needs assisted living. When you can see the
outcomes on paper, it takes away the uncertainty and it turns.
Speaker 1 (08:00):
Emotion into clarity. Suddenly, you're not reacting, you're leading. Those
are two very different postures when it comes to family decisions.
Speaker 5 (08:10):
Absolutely, and we've found that clients who have these plans
in place actually feel more generous because they know what's
safe to give. They can help joyfully instead of anxiously.
Speaker 1 (08:22):
It's also a conversation worth having with family. Talk openly
about your limits and priorities. We've seen adult children step
up when they understand the full picture. Families communicate better
when everyone's on the same page.
Speaker 5 (08:35):
And a good advisor can help facilitate that. They can
bring the family together, show how the plan works, and
explain what's sustainable. Is such a relief for everyone involved.
Speaker 1 (08:48):
That's one of my favorite parts about our work, helping
families communicate about money without tension. When love and logic meat, everything.
Speaker 6 (08:56):
Just works better.
Speaker 5 (08:57):
I couldn't agree more so for anyone listening. If this
conversation hits home, if you're feeling stretched or uncertain, I
encourage you to take the first step. Request our complementary
retirement income Planning Checklist. It's designed to help you balance
generosity with independence and walk you through guaranteed income healthcare planning,
(09:22):
tax efficiency and legacy goals.
Speaker 1 (09:25):
Because the truth is, you spend a lifetime helping everyone else.
Now it's time to make sure your plan helps you
too exactly.
Speaker 5 (09:32):
Protecting your future is the best way to keep showing
up for the people you love.
Speaker 6 (09:38):
Do keep us on your dial.
Speaker 1 (09:39):
We have more valuable financial insights.
Speaker 6 (09:41):
Coming your way.
Speaker 5 (09:42):
You're listening to safe money Strategies on WBZ.
Speaker 1 (09:49):
Safe Money Strategies with Kelly Kelly and your team called
Kelly Financial at eighty eight eight hundred twenty eight one
or go to Kelly financial dot org Dot's Kelly at
Kelly financial.
Speaker 7 (09:59):
Dot Welcome back to safe money Strategies. Earlier in the show,
we covered required minimum distributions, what they are, how to
handle multiple accounts, and why having a plan matters. Now,
let's talk about steps you can take right now to
make your retirement income more efficient and less stressful.
Speaker 8 (10:19):
Right many retirees focus only on rmds without thinking about
the bigger picture. How withdrawals, taxes, and investment risk all
work together to impact your income. A thoughtful strategy can
make a huge impact.
Speaker 7 (10:36):
Step one, create a withdrawal plan that fits your lifestyle.
Think of it as a roadmap for your money. Instead
of guessing month to month, you know exactly how much
you'll need, when you'll need it, in which accounts to
tap first.
Speaker 8 (10:48):
And it's not just about covering the bills. You want
to prioritize spending, plan for taxes, and leave room for
unexpected expenses. One practical tip set aside a short term
cash reserve enough to cover a year of living expenses.
This way, you're not forced to sell investments in a
market downturn to meet short term needs.
Speaker 7 (11:10):
Step two align your investments with your income needs. If
you're taking regular withdrawals, part of your portfolio should be
in lower risk income generating investments like bonds, dividend paying stocks,
or conservative mutual funds. Protecting the portion you'll need soon
is critical.
Speaker 8 (11:27):
The third step be tech smart with withdrawals. Retirement income
can come from multiple sources pension, social security iras, wroth irays,
and four oh one ks in addition to taxable accounts.
Planning the order of withdrawals can reduce your overall tax burden.
(11:48):
For example, in early retirement, it may make sense to
draw from taxable accounts first, while letting iras and wroth
irays grow.
Speaker 7 (11:58):
Step four simplify your accounts. Consolidating accounts reduces confusion, makes
withdrawals easier to track, and helps you stay organized. Less
complexity equals less stress and fewer mistakes.
Speaker 8 (12:11):
The fifth step monitor your plan regularly. Life changes, markets change,
and your spending needs may change. Reviewing your plan annually
or more often ensures that your strategy stays aligned with
your lifestyle and your goals.
Speaker 7 (12:29):
Step six use professional planning resources. Our Safe Money Strategies
workbook is a practical tool that helps you see where
withdrawals should come from, track income, and flag areas that
need adjustment. It's not just a workbook, it's a roadmap
to peace of mind.
Speaker 8 (12:45):
Let's make this reel with a client example. Joe and Maria,
a retired couple. We're worried about taxes and market risk.
Joe wasn't sure the best order to withdraw from their
IRA and taxable accounts, and Maria she wanted to protect
their investments from market swings.
Speaker 7 (13:03):
We walked them through their entire income pitture. First, we
looked at their current account balances and RMD requirements. Then
we created a sequence of withdrawals that minimized taxes while
preserving portfolio growth. They started by drawing from taxable accounts first,
letting roth accounts continue to grow tax free, and maintaining
a portion of the portfolio in conservative income generating investments.
Speaker 8 (13:27):
We also helped them consolidate smaller accounts into fewer companies,
making it easier to track distributions and rebalance investments. On
top of that, we created a cash reserve to cover
short term expenses so they wouldn't have to sell investments
during market downturns.
Speaker 7 (13:44):
The result, predictable income, reduced stress, and more confidence in
their financial future. They no longer worry about running out
of money or making the wrong withdrawal decisions.
Speaker 8 (13:54):
Joe and Maria's experience highlights something important. It's not just
about the numbers. Having a plan, Knowing your withdrawal sequence
and aligning investments with your income needs reduces anxiety and
gives you peace of mind.
Speaker 6 (14:08):
And this isn't unique to Joe and Maria.
Speaker 7 (14:10):
Many retirees fail overwhelmed trying to manage multiple accounts, withdrawals
and taxes on their own. That's why taking action now
before year end or before your RMD deadline can prevent
mistakes in unnecessary stress.
Speaker 8 (14:23):
Another tip we often share make sure your withdrawal plan
is flexible life. It can be unpredictable health expenses, unexpected
travel or family support needs may arise. Your plan should
allow you to adjust withdrawals while staying on track for
your long term goals.
Speaker 7 (14:43):
It's also important to review tax implications each year. For example,
rmds from traditional arrays count is taxable income, which can
affect Medicare premiums and source security taxation. Pulling from taxable
accounts or WROTH accounts strategically can sometimes reduce overall taxes
and smooth income over time.
Speaker 8 (15:01):
So if you're listening and wondering, how do I know
if my retirement income strategy is efficient and stress.
Speaker 6 (15:08):
Free, here's what you can do.
Speaker 8 (15:09):
Call our office to schedule a complementary retirement income analysis.
We will walk you through your accounts, review your withdrawal strategy,
and help you determine if your plan is on track.
Speaker 7 (15:24):
There's no cost, no obligation, just a chance to get
clarity on your retirement income and reduce financial stress. Many
retirees fail immediate relief just by seeing a clear plan
in front of them.
Speaker 8 (15:35):
And that clarity can make a huge difference. Knowing what
accounts to withdraw from, how to manage taxes, and how
to align your investments gives you confidence to enjoy your
retirement without second guessing every financial decision.
Speaker 7 (15:50):
Remember, retirement should be a time of peace, not worry.
Taking proactive steps now creating withdrawal plan, aligning investments, simplify
accounts in monitoring your plan can make all the difference.
Speaker 8 (16:03):
Joe and Maria, Nancy and so many of our clients
have experienced this firsthand. Planning in advance with the right
strategy and guidance allows you to take control of your
retirement income and reduce stress significantly.
Speaker 6 (16:19):
So don't wait.
Speaker 7 (16:20):
Pick up the phone, call our office and schedule YAW
complimentary Retirement income Analysis. Let's help you create a plan
that protects your savings, minimizes taxes, and gives you peace
of mind for the years ahead.
Speaker 8 (16:32):
Thank you for tuning in to safe money strategies. Remember, clarity,
confidence and peace of mind are well within reach. Call
our office and take that first step toward a smarter,
less stressful retirement. With that, I'm Greg Workman, and.
Speaker 7 (16:49):
Now Mike du said, We'll see you next time.
Speaker 1 (16:52):
Call us today at eight eight eight hundred and eighty
one or visit us online at Kellyfinancial dot org.
Speaker 9 (17:01):
Joining us now in our radio fon brought to you
by Kelly Financial Services, Dan Stack, CEO of the Disabled
American Veterans and joining us now in studio as well
with tremendous pride, William Kelly Junior. How are you, William?
Speaker 6 (17:20):
A fantastic thank you for asking? How are you? Very
very good?
Speaker 9 (17:23):
And you know, Dan Stack and I were just talking
off the air a couple five minutes ago, looking at
you talking to my son Ashton outside the studio, and
he says, you know, he remembers you guys when you
were small. And he looks at you. You're built like
a you know, you're built like a truck. He looks
at Ashton, He's built like a tank.
Speaker 4 (17:43):
Oh y, you know.
Speaker 9 (17:44):
And the two of you are talking and he says, boy,
they grow up so fast, both of you really do.
Speaker 6 (17:51):
William.
Speaker 9 (17:51):
I got to ask you. You're Kelly Financial, big supporter,
you're obviously sponsoring this hour. Why does Kelly Financial cares
much about our veterans and especially the.
Speaker 6 (18:03):
Dav Well for starters.
Speaker 1 (18:05):
I'll say that without our veterans, and without our armed
forces in general, we would not have the things that
we have today.
Speaker 6 (18:11):
And I know that we hear that a lot, we
say it a lot, but we.
Speaker 1 (18:13):
Literally wouldn't like if we did not take up arms
during the Revolutionary War, we wouldn't have our country. So
it's our fighters who protect us and keep us in
this way of life. You guys have probably heard that
a million times now, but truthfully, that's the ethos of it.
Pretty much, that's the core, and my father understood that
him being a veteran himself, and truly we just love
veterans and we love the military.
Speaker 9 (18:33):
There are many organizations and I know you give a lot.
You're very generous. Kelly Financial is very generous. Why the
disabled American Veterans.
Speaker 6 (18:42):
It's focused and it's local.
Speaker 1 (18:43):
My brother's keeper, for example, same way I've worked with
them before. I volunteered for them. And you see it
with dav Massachusetts. You see it as well, and it's
completely focused and it's in an area in our community.
And I think one of the best things you can
do as an American citizen is help your community. Helping
the grand scheme of things is great as well. I'm
not denouncing that at all, but I am saying that
(19:04):
I think a community focus is what makes it very
special and I have a lot of respect for that.
And also we've known you guys forever. You guys are
amazing folks. So Kelly Financial Services would like to donate
three thousand dollars to the additional one. Yeah, and on
top of the sponsorship, I would also like to donate
an additional two thousand dollars.
Speaker 6 (19:22):
Are you serious?
Speaker 9 (19:23):
Out of your own this, out of your own bank account, yes, sir,
two thousand dollars.
Speaker 6 (19:27):
Yeah, why not? God bless you's been good.
Speaker 9 (19:30):
Hey, I only have ice for my wife, but I
love you in a non sexual way, my friend Dan Stack.
Speaker 6 (19:38):
Anything you want to say to William.
Speaker 10 (19:39):
I don't know what to say to William, to be
quite honest with you, because you made me cry the
first time you called in, just after your dad had passed.
And your dad has been a sponsor of our program
since we started, and I can't thank him enough, but
I know he's looking down very proud of you. That
day that you called in as a young young man
(20:02):
and donated what you had saved was something that just
broke my heart. And you have done that every year since. William,
Thank you so much.
Speaker 6 (20:10):
Thank you Deah, thank you guys for this opportunity.
Speaker 9 (20:13):
William, thank you again, truly, from the bottom of my heart,
thank you so much.
Speaker 5 (20:21):
Bill Kelly always had a way of reminding us what
really matters. From that very first breath to the very last.
Life will bring us both miracles and challenges, but through
it all, what counts is that we choose to live,
to love, to stay connected, and to keep showing up
for one another. Here's Bill Kelly.
Speaker 4 (20:45):
We decide that we love life, people love us, we
love them, and we want to be with those people.
It's just another piece of evidence that we don't exist
as islands of humanity. The first breath we take in
life is probably involuntary if we're lucky enough to be
born healthy and move ahead in time on Earth. Every
breath we take after we reach the age of consent
(21:07):
is basically voluntary. Between the first breath and the last one,
a lot of things happen. Some of those things might
seem like a miracle and some like a curse. But
we are a collection of people who love life obviously,
or many of us would just quit and give up.
We could take a survey and ask people if they
are in favor of living. If we compare the number
(21:27):
of people who decide to participate with the number of
people who decide to opt out on any given day,
we'd have to admit the survey overwhelmingly points to the
fact we prefer to live with all the pain and
all the joy that living encompasses. We can have doubts,
we can have hopes, and we can have dreams. I
grew up on a farm. I had my own trees,
(21:50):
my own stone walls in my own brook, and I
could play many children today, including William, meet a lot
of FaceTime. He needs me there. And I don't mean
just sitting in the same room working on my computer
while he works his iPad. That's not going to cut it.
That's not FaceTime. He needs me to be participating in
an activity with him. If I do that for twenty
forty minutes, we can sit in the same room without
(22:12):
the need to be facing each other. If I don't
do that, then he's constantly in need. Since he's the
best friend I've ever had, I don't mind doing it
at all. He's a great human being who happens to
be my son, and I love him. When I was
about three, I had a little routine during the early
morning hours on the farm. It was a bad thing
to do, and I admit it because it was deliberate
(22:34):
and pre planned. I couldn't help it. Like a compulsive gambler,
I was a compulsive cookie eater. I slept in the
same bedroom as gramp in a crib with the top
my father had made. It had a screen, and it
had latches all along the edge to keep me from
getting out. Over a period of time, however, I was
able to create a bit of a hole in the
crib screen that no one could see but me. I
would poke my hand through and undo the latches. Somewhere
(22:57):
around five am each morning. I would escape, all the
time making sure that Graham was still asleep. After landing
on the chair where he had left his green work
pants and flannel shirt, I'd step onto the floor, walk
into the kitchen and go to the kitchen table. Then
I'd slide a chair over to the cabinet that had
the cookies in it. Since it was padlocked, I had
to climb onto the counter and reach on top of
(23:19):
the refrigerator so I could get the key to open it.
I remember stretching up to the top shelf where there
were bags of cookies. I took the number of cookies
I wanted, close the cabinet door and put the padlock back.
After replacing the key on top of the refrigerator, I
would climb back down onto the kitchen chair and from
there down to the floor. Then I would slide the
(23:39):
chair over to the table, go back into my bedroom
with my sleeping grandfather, climb up on his chair and
back into the crib. I had cookies inside the zipper
of my footy pajamas and must have looked like a teletubby.
After eating those cookies, I'd go back to sleep. When
William was five, he and I went to the baseball
batting cages. He was starting to hit off a tee.
(24:01):
We finished, and while I was paying the owner, William
was over by the break area talking to the high
school baseball players who were all talking to him. There's
a twisting movement a beginning batter does with his back foot.
It's called stepping on the bug. You have to twist
your back foot and pivot your hips, and that's how
you develop your stride. Eventually, it teaches a beginner to
(24:24):
open up the hips at the right time. So William
is talking to these teenagers about stepping on the bug,
and I notice a camaraderie in respect between him and them.
He's learning to be a young man with other young men.
One of the things I like about going to the
batting cages is meeting the type of kids who play baseball.
It's an amazing sport and seems to attract good kids.
(24:47):
The team practices, the uniforms, and the traditions are just
so American. You know, some people on the left get
offended when I use the term so American. I love
America and traditions like baseball. I Having a son late
in life has understandably made a big difference in how
I think about my practice. I've changed many things in
anticipation that William may be running the company some day.
(25:10):
This means I might have to extend my horizons by
practicing for another twenty years. Having these goals has done
a lot for me. They inspire me to do a
better job every day by improving upon the things that
occupy me on a regular basis. Back to youth baseball.
If William continues playing, he'll meet some great kids. As
for his demeanor, again, it's a lot like that of
(25:31):
my grandfather Tim Murphy William is deliberate, smart, steady and focused.
He's constantly moving ahead and making progress. I love it,
and I love the spirit of those young baseball players.
I'm glad my son gets along with them and that
he'll be playing baseball some day. I know he'll be
better than I was, because he started early in the spring.
(25:53):
When I got my baseball glove ready, there just weren't
that many people around to play with me. Sometimes I
would hit the ball to myself. Sometimes I would throw
the ball against the side of a shed. I'd get
old tennis balls and hit myself grounders. But I never
really could play the game well. I loved it, though.
I used to keep score and listen to the Red
Sox games when the team went on their road trips
to the West Coast. I remember listening to Kurt Goudie
(26:15):
on the radio late at night under the bedspread with
my dog Minnie. I would fall asleep with my transistor
radio beneath my pillow, pencil in hand. The very next morning,
at breakfast, I would have my cereal and talk to
gramp about the game. It was a great life.
Speaker 1 (26:32):
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. All opinions expressed
(26:53):
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 SASS
is deemed to be reliable, but their accuracy and completeness
cannot be guaranteed. The information provided as 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.
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The official podcast of comedian Joe Rogan.
Two Guys, Five Rings: Matt, Bowen & The Olympics
Two Guys (Bowen Yang and Matt Rogers). Five Rings (you know, from the Olympics logo). One essential podcast for the 2026 Milan-Cortina Winter Olympics. Bowen Yang (SNL, Wicked) and Matt Rogers (Palm Royale, No Good Deed) of Las Culturistas are back for a second season of Two Guys, Five Rings, a collaboration with NBC Sports and iHeartRadio. In this 15-episode event, Bowen and Matt discuss the top storylines, obsess over Italian culture, and find out what really goes on in the Olympic Village.