August 23, 2025 • 27 mins
On this week’s Safe Money Strategies, Kelly Kelly and her son William open with a real conversation about
family, health, and staying strong as summer winds down. Then our fiduciary advisors cover the strategies that
matter most from weighing Roth IRAs against 401(k)s to navigating today’s markets, protecting income, and
weaving financial security into a lasting family legacy. The hour closes, as always, with timeless wit and
wisdom from the late Bill Kelly.
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
family, health, and staying strong as summer winds down. Then our fiduciary advisors cover the strategies that
matter most from weighing Roth IRAs against 401(k)s to navigating today’s markets, protecting income, and
weaving financial security into a lasting family legacy. The hour closes, as always, with timeless wit and
wisdom from the late Bill Kelly.
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
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Transcript
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):
Hello.
Speaker 3 (00:16):
This is Greg Murray, Senior vice president and chief Compliance
Officer at Kelly Financial Services.
Speaker 4 (00:21):
Joining me this evening is Mary Madeline.
Speaker 5 (00:23):
Kelly, one of our wealth advisors.
Speaker 6 (00:25):
How are you doing tonight.
Speaker 2 (00:26):
Hi, Greg, I'm doing great. I feel like I have
to address my brother's attack on my character from last
week and admit that while I did fudge on the
time it would take for him to drive from Portsmouth,
Rhode Island to Rockport, mass I did it with good intentions.
The fudge was only about a fifteen minute difference, so
in the moment, it felt like rounding down was acceptable.
(00:47):
I also thought at that time on a Sunday morning,
he shouldn't run into traffic. But I think he got
enough vengeance in the posters he made for me.
Speaker 3 (00:55):
Like you said, the contents of the posts are not
appropriate for a radio broadcast, but he definitely got his payback.
I'm glad he was there to support you for your race,
though me too.
Speaker 2 (01:03):
I mean it meant the world to me that he
was even there. I think I also have caught the
big running bug because now I'm contemplating a marathon. So
we'll see.
Speaker 3 (01:12):
Thirteen point one miles isn't good enough for you. That's
pretty impressive. A half marathon is one thing, but doing
a full marathon is on a whole new level.
Speaker 2 (01:19):
Tonight's segment is more for investors in their twenties or
early thirties who are wondering where to put their first
serious retirement dollars. I get this question a lot. Should
I open an IRA, a roth IRA, or just buy
some stocks? And my first answer is always, well, actually, Greg,
what's yours?
Speaker 3 (01:36):
I tell them, if you've got a four to oh
one K available through your employer, max that out before
you look at any other iras, before you open up
a separate brokerage account for retirement purposes, max that four
to oh one K. First?
Speaker 2 (01:49):
Why start there?
Speaker 5 (01:50):
Well, a few reasons.
Speaker 3 (01:51):
First, the contribution limit is much higher in twenty twenty five.
You can put in up to twenty three thousand dollars
if you're under fifty, that's way more than seven thousand
dollars IRA limit. If your employer matches contribution, that's free
money immediate return, so you're leaving cash on the table
if you don't take full advantage.
Speaker 2 (02:09):
Yeah, that match is definitely hard to beat. But a
lot of people hear about roth accounts, especially roth FLA
one ks, and they think that's automatically better because my
money will grow tax free.
Speaker 3 (02:20):
Right, And here's where I go against a grain of bit.
Roths can be great, but it's not a one size
fits all solution.
Speaker 6 (02:26):
The key is your.
Speaker 3 (02:26):
Tax situation, meaning meaning if you're in a high tax
bracket right now, let's say you're in the peak earning
years or even just doing really well early in your career,
putting money into a ROTH means you're paying a high
tax rate on those contributions today.
Speaker 5 (02:40):
That's money gone forever.
Speaker 3 (02:41):
You might be better off by taking a tax break now,
by contributing to a traditional fourah one K and paying
taxes later, ideally in retirement when your income and your
tax bracket could be lower.
Speaker 2 (02:51):
But for someone just starting out, maybe making a modest salary,
that's where their WROTH might shine.
Speaker 3 (02:57):
Exactly if you're in a lower tax bracket now, paying
tax and those contributions today can make sense because you
lock in that low rate for life on that money.
Speaker 2 (03:05):
So it's not that ROTH is bad, it's that it's
not always the smartest move if you're a high earner today, exactly.
Speaker 3 (03:11):
And I've seen too many people get caught up in
the buzzword tax free growth without running the math. Tax
free growth is great, but not a few overpay taxes
upfront to get it.
Speaker 2 (03:20):
So let's walk through what you're recommending. For a young
professional with a decent salary, say eighty thousand dollars a year,
and a four oh one k at work.
Speaker 3 (03:28):
Step one, contribute enough to get the full employer match
non negotiable. Step two, keep contributing to that four oh
one k until you hit the max if you can
afford it. You don't want to cannibalize your current standard
of living.
Speaker 5 (03:40):
Step three.
Speaker 3 (03:41):
Only if you've maxed out your four oh one k
instill of extra cash, should you look at iras ROTH
or traditional depending on your tax situation.
Speaker 2 (03:48):
And for the person making say forty five thousand a year.
Speaker 3 (03:51):
I'd still start with the four oh one k for
the match. Then, because they're in a lower tax bracket,
I'd seriously consider the ROTH four oh one k option.
Speaker 2 (03:58):
So it's all about tailoring the retirement plan to your
current and expected tax picture.
Speaker 3 (04:03):
Remember, tax laws can change, your career path can change,
and your income will likely change. So review this every
couple of years, not just once.
Speaker 2 (04:10):
I love that retirement planning isn't set it and forget it.
It's more like a garden. You can check on inten regularly.
Speaker 3 (04:17):
Exactly because you might plant tomatoes one year and then
decide peppers are a better fit for the next. Same
with your tax and retirement mix.
Speaker 2 (04:24):
Okay, so quick recap for our listeners. Get that four
oh one K match. Always max your four oh one
k if you can before looking into iras, and don't
blindly follow the ROTH trend. Run the numbers based on
your tax bracket.
Speaker 6 (04:36):
That's the playbook.
Speaker 3 (04:37):
And if you're not sure which bracket you're in or
how it affects you, talk to a financial advisor or
a tax professional.
Speaker 5 (04:43):
Guessing is not a good retirement strategy.
Speaker 2 (04:45):
Well said, and remember the earlier you start, the more
those contributions, whether ROTH or traditional, can grow for you.
Speaker 3 (04:52):
Time in the market beats timing the market, and that's
true for your retirement accounts too.
Speaker 2 (04:56):
Well that's all we have tonight. Thanks Greg for breaking.
Speaker 3 (04:59):
It down away pleasure and for all the young investors listening.
Your future selves will thank you for starting now.
Speaker 2 (05:04):
Absolutely We'll see you next time.
Speaker 1 (05:08):
Discover safe money Strategies with Kelly. Kelly and her team
called Kelly Financial at eighty eight eight hundred eighty one
or visit Kelly Financial dot org.
Speaker 7 (05:19):
I believe that this nation should commit it so achieving
the goal of landing.
Speaker 5 (05:24):
A man on the Moon and returning him safely to the.
Speaker 4 (05:27):
Earth six five four three two one zero All engine rock.
Speaker 8 (05:37):
Look got a follow eleven.
Speaker 4 (05:39):
Remember those Apollo Moon missions one of America's greatest adventures
and achievements too. The nation set a goal and then
realized it. What are your goals? At Kelly Financial Services,
We've got the right team and technology to help launch
your retirement planning. Let us help you set and reach
(05:59):
your goals for your greatest adventure and achievement. Call us
at eight eight eight eight hundred and eighteen eighty one
or visit us at Kellyfinancial dot org. Where do you
want to land? Within Tangulitybavior the Aglee landed. We are
Kelly Financial Services. Come retire with us.
Speaker 1 (06:19):
Safe money Strategies with Kelly Kelly and her team called
Kelly Financial at eighty eight eight hundred and twenty and
one or go to Kelly Financial dot org. That's Kelly
at Kelly Financial dot org. We're back with safe money Strategies.
I'm William Kelly Junior here again with my mom, Kelly Kelly.
Speaker 8 (06:40):
It's good to be back with you. For those just
tuning in, we've already been talking about retirement, family and
some of the choices that shape your future. And in
this last segment together, we're going to turn to something
that touches nearly every family at some point, legacy planning
(07:00):
when dementia is involved.
Speaker 4 (07:03):
Exactly.
Speaker 1 (07:03):
In Part one, we cover the legal and health aspects,
powers of attorney, medical directives, and how families can prepare.
Now we want to go a step deeper into the meaning,
the stories, and the memories that make up a person's
true legacy.
Speaker 8 (07:16):
Legacy is so much more than a will or a
list of accounts. Is who you are, the lessons you've lived,
the traditions you've carried, and the values you hope your
children and grandchildren will remember. And when dementia enters the picture,
preserving that legacy takes on a new urgency.
Speaker 1 (07:39):
It really does. Families often come to us overwhelmed, worried
about finances, of course, but also about how to hold.
Speaker 5 (07:45):
Onto their loved one's essence.
Speaker 1 (07:47):
And sometimes it takes just a little encouragement or a
push to start capturing things while they can't.
Speaker 8 (07:53):
And it doesn't need to be complicated. Something as simple
as writing down a childhood story or passing along a
family recipe, or maybe labeling an old photo can carry
more weight than a stack of account statements. These small
things say I was here and I loved you.
Speaker 1 (08:15):
I love that mom, Because when a person's memory starts
to slip, families can feel helpless. But creating a scrapbook,
recording a short video message, or even cooking a meal
together gives everyone a sense of connection, and for.
Speaker 8 (08:28):
The person living with dementia, these moments offer dignity. They're
not just a patient or a diagnosis. They're still a parent,
a spouse, a grandparent, and they still have something to give.
Speaker 1 (08:44):
Another layer we're seeing today is the digital legacy. Photos
on your phone, playlist, social media accounts, even voice memos.
I even still have and listen to my dad's old playlists.
These are pieces of your story that can and should
be preserved, whether they're little things or big things.
Speaker 8 (09:00):
Right is important to make a list of those accounts,
store passwords securely, and decide who will have access down
the road. Some platforms let you name a digital air
and for someone facing dementia, recording a message or curating
a playlist can become a meaningful project. One last gift.
Speaker 1 (09:22):
The truth is none of this has to be perfect.
A thirty second voice note from dad saying I'd love
you can mean more to the next generation than any
dollar figure on a page.
Speaker 8 (09:32):
Families can help by prompting those stories, pulling out photos,
maybe asking open ended questions, and most of all, listening
with patients. The process itself is a gift.
Speaker 1 (09:45):
And from our side, as financial professionals, our role is
to align the numbers with those values. Yes, we'll talk
a state planning and talk strategy, but will also help
make sure your legacy, whether digital, financial, or emotional, truly reflects.
Speaker 6 (09:58):
Who you are.
Speaker 8 (10:00):
And that's why we put together a resource we call
the Greatest Gift. Outline your wishes with an estate plan.
It's a free investor guide that shares practical steps to
ease the burden on loved ones. Communicate your values and
plan ahead with confidence.
Speaker 1 (10:19):
Whether dementia has already touched her family, or you just
want to be prepared, This guide is a meaningful first step.
Speaker 8 (10:26):
To request your copy and set up a complimentary appointment
with one of our fiduciary advisors. Call us at eight
eight eight eight hundred eighteen eighty one or email Kelly
at Kellyfinancial dot org.
Speaker 1 (10:40):
We've been helping families plan and protect for their retirement
for twenty two years, and we're honored to share that
experience with you each week.
Speaker 8 (10:47):
And remember, the conversation doesn't end here. More insights are
coming up next right here on safe money strategies.
Speaker 1 (11:00):
Safe money strategies with Kelly Kelly and her team called
Kelly Financial at eighty eight eight hundred twenty and one
or go to Kelly Financial dot org. That's Kelly at
Kelly Financial dot org.
Speaker 8 (11:15):
I'm Kelly Kelly from Kelly Financial. Retirement is a time
to enjoy the fruits of your labor, but is also
a period when financial stability becomes more critical than ever,
so seeking expert financial advice is essential regardless of your age.
Professional guidance insures your assets are allocated wisely, helping your
(11:36):
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
(11:57):
build a balanced portfolio for thee 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.
Speaker 4 (12:14):
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 6 (12:25):
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 4 (12:39):
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 Kelly dfinancial dot
(13:01):
org or call eight eight eight eight hundred and eighteen
eighty one to get the guide.
Speaker 6 (13:05):
Ladies and gentlemen, sort fact from fiction.
Speaker 4 (13:08):
We are Kelly Financial Services. Come retire with us.
Speaker 5 (13:16):
Welcome back.
Speaker 7 (13:17):
You are listening to safe money strategies.
Speaker 5 (13:19):
I'm like you said.
Speaker 7 (13:20):
Joined by Greg Workman tonight, we're talking about working during
retirement and how it can impact your income, benefits and lifestyle.
Speaker 5 (13:28):
Greg.
Speaker 7 (13:29):
Before the break, you mentioned the Social Security earnings test.
In twenty twenty five. If you're under full retirement age,
you can earn up to twenty three thousand, four hundred
dollars without penalty. If you earn more than that, Social
Security withholds one dollar in benefits for every two.
Speaker 5 (13:48):
Dollars you earn over the limit.
Speaker 9 (13:50):
Now here's some good news that money is not lost forever.
Once you reach full retirement age. The Social Security Administration
will recalculate your benefit and increase your monthly check going
forward to account for those months when the payments were
reduced and.
Speaker 7 (14:04):
There's also a higher earnings limit in the year you
reach full retirement age about sixty two thousand and change
for twenty twenty five. Beyond that, withholding drops to one
dollar for every three earned over the limit. It only
applies until the month you hit full retirement age.
Speaker 9 (14:22):
Also important, not all income accounts towards these limits. Wages, bonuses,
and self employment income do count, but pensions, investment income
irate withdrals, and annuity income does not.
Speaker 5 (14:36):
One last thing here.
Speaker 7 (14:38):
Working might also let you delay claiming Social Security in
the first place, which could increase your benefit significantly.
Speaker 5 (14:46):
For every year you delay past full.
Speaker 7 (14:49):
Retirement age up to age seventy, your benefit grows by
about eight percent per year.
Speaker 6 (14:54):
That can be a.
Speaker 9 (14:55):
Powerful strategy, especially for folks who are healthy and expect
to live well beyond them eighties or beyond.
Speaker 7 (15:01):
Another factor to consider is taxes. A lot of folks
don't realize that working in retirement can make more of
your Social Security benefit taxable.
Speaker 6 (15:10):
That's right.
Speaker 9 (15:11):
If you're only receiving Social Security income, chances are you
won't pay federal income tax on it. But once you
start adding earned income or investment income into the mix,
a portion of those benefits can be taxed.
Speaker 7 (15:24):
There's a formula called the provisional Income calculation, where the
IRS takes half your Social Security benefit, adds it to
your other income, and determines if you cross a threshold
where benefits become taxable.
Speaker 9 (15:38):
Depending upon how much you earn, up to eighty five
percent of your Social Security benefit could be subject to
federal tax. It's not a deal breaker, but it's something
to factor into your planning.
Speaker 5 (15:49):
All right, let's talk about pensions.
Speaker 7 (15:51):
If you've got a pension from a former employer, you
may be wondering how working in retirement affects it.
Speaker 9 (15:58):
If you go to work for a new employer, your
pension typically is not affected. You'll receive your pension and
your new income separately. But if you go back to
work for the same employer who issued your pension or
never officially left, there may be some restrictions.
Speaker 7 (16:14):
Some plans will suspend payments while you're still working. Others
will allow you to keep receiving your benefit, but might
not give you credit for additional years of service or pay.
Speaker 9 (16:25):
And if your plan calculates benefits based on final average pay,
be cautious. Cutting back your hours before retirement could lower
your final average salary and your pension benefit right along with.
Speaker 5 (16:38):
It, and finally, healthcare.
Speaker 7 (16:40):
For many people, the cost of health insurance is the
number one reason they work past age sixty five or
at least until Medicare eligibility.
Speaker 9 (16:49):
Some employers offer health insurance to part time employees, especially
if they have phased retirement programs. Others do not, or
they require you to meet certain hour threshol If.
Speaker 5 (17:00):
You lose coverage due to reduced hours.
Speaker 7 (17:03):
Cobra may be an option, though it's often expensive since
you pay the full premium plus administrative costs.
Speaker 9 (17:09):
You could also join your spouse's plan if available, or
explore individual coverage through the federal or state marketplaces.
Speaker 7 (17:17):
And once you reach age sixty five, you'll be eligible
for Medicare, but it's important to coordinate the timing so
you don't have gaps or penalties.
Speaker 9 (17:25):
Working Derbing retirement is a big decision, one that involves
a mix of emotional, lifestyle and financial considerations. There's never
a one size fits all answer.
Speaker 7 (17:36):
At Kelly Financial Services, we're here to help you make
sense of your options and build a plan that aligns
with your goals, whether you plan to work, retire, or
something in between.
Speaker 5 (17:46):
It all starts with a conversation.
Speaker 9 (17:48):
So if tonight's topic raise some questions for you, let's talk.
We invite you to schedule a complimentary, no obligation consultation
with our team.
Speaker 7 (17:57):
Give us a call at eighty eighty eight eight hundred
eighteen eighty one once again, that's eight eight eight eight
hundred eighteen eighty one, or visit us online at Kelly
Financial dot org.
Speaker 9 (18:09):
Thanks for spending time with us on tonight's installment of
safe Money Strategies. We'll see you next weekend, and until then,
stay informed, stay prepared, and stay financially confident.
Speaker 5 (18:19):
With that.
Speaker 7 (18:20):
I'm Greg Workman and I'm Mike you said, join us
next week for more safe money strategies.
Speaker 4 (18:27):
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, who today tests time time.
Speaker 6 (18:37):
You don't have as much left today as you had yesterday.
It's the rule of science. When's the best time to
plant a tree twenty years ago? When's the second best
time to plant a tree? Tomorrow? Today? Whenever you can
get to it, that's the next best time.
Speaker 4 (18:52):
There's no time like the present to begin saving, planning,
and enjoying retirement. So download our consumer guide simply called
a Happy Retirement and find six secrets of how you
can spend your time to cultivate happiness and a retirement
well lived. Go to Kellyfinancial dot org or call eight
(19:13):
eight eight eight hundred eighteen eighty one to spend some
time with one of our financial advisors.
Speaker 6 (19:19):
Time, ladies and gentlemen, it's not too late.
Speaker 4 (19:21):
We are Kelly Financial. Come retire with us.
Speaker 1 (19:26):
Discover safe money strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one to
eighty one or visit Kelly Financial dot org.
Speaker 8 (19:40):
Some of Bill's fondest memories take us back to life
on the farm, where mornings began not just with chores,
but with moment shared alongside his grandfather. In the story,
you'll hear the clever determination of a little boy and
the quiet presence of a grandfather who was always there
at the kitchen table, ready with coffee, stories, and love.
(20:04):
Is a glimpse into the bond that shaped Bill's early
years and stayed with him throughout his life. Here's Bill Kelly.
Speaker 6 (20:14):
When I was two, about two and a half. I
had a little routine I did every morning. I grew
up on a farm. I lived on a chicken farm.
I would get up in the mornings and I would
go to the cookie cabinet. I would raid the cookie cabinet.
(20:35):
It was a horrible thing, ladies and gentlemen. I have
to admit it that I did do this, and you
have to know it was deliberate, and it was something
It was pre planned, and I couldn't help it, sort
of like you know, a compulsive gambler. I was a
compulsive cookie person. How did it work? Well. I slept
(20:57):
in the same bedroom as my grandfather, and I had
a crib. But my crib had a top that my
father had made. It was screened in and it had
latches all along, so I couldn't get out. I couldn't
escape because they knew they were on to me. Slightly,
So over the course of weeks, I was able to
(21:19):
create a little bit of a hole in the top
of that crib screen that no one could see but me.
My hand could go out of it and I could
undo the latches. So somewhere around five o'clock in the
morning each morning, I would reach my hand through my
secret hole in the screen. I would undo the latches
(21:40):
and I would push open the hatch that held me
in that crib, and then I would climb over the
side of the crib, all the time making sure my
grandfather was still asleep. And then I would land on
the chair where he had would put his green work
pants and his flannel shirt, and then I would step
(22:02):
off that chair onto the floor. I would walk into
the kitchen. I'd open the door very carefully, and I
would go into the kitchen, go to the kitchen table.
I would get a chair, slide it over to the cabinets,
and the cabinet that had the cookies in it had
a padlock on it, so I'd reach up on top
(22:24):
of the refrigerator and I would take the key, open
the padlock, open the closet, and I'd have to sort
of step back when I opened it to swing that
cabinet door around without falling off. I would reach up
to the top shelf there would be bags of cookies.
I would take the amount of cookies that I wanted.
(22:45):
I would close the cabinet door. I would put the
padlock back on. I'd put the key back on top
of the refrigerator. I would climb out from the counter
onto the kitchen chair. I would slide the kitchen chair
over to the table. I would go back into my
bedroom with my grandfather. I would climb up on his
(23:07):
chair with my cookies, which would be held inside my zipper,
my footy pajamas and they would be in a little pouch.
I'd look like a little teletubby, I guess. I'd climb
back into the crib, close the top, reach my hand through,
lock myself back in again. I would sit down. I
would eat my cookies, and then I would go back
(23:30):
to sleep. So that was my big adventure most times
on the farm, pre dawn raids in the cookie kitchen.
My grandfather would wake up, usually later on about nine.
He'd pop me out of the crib, change my diaper,
bring me out to the kitchen table. He'd make oatmeal
(23:50):
or fix me up some cheerios, and then he'd sit
me down. I would eat, We would talk. He would
generally drink his coffee, tell me stories. Sometimes we cite poetry,
and then he'd get me dressed, sit me up on
the table, time my shoes and boot me out of
the house for the day, I would wait for him
(24:12):
to come out to water the chickens, and then I'd
walk down the path with him. I was his helper,
and we'd collect the eggs. On Wednesday night, we kindled
eggs in the basement. We'd get them ready to bring
to the county food mart where we would trade them
in on Thursday. We would get money and we would
(24:33):
get some food. We'd get a food account, and we
always ate very very well due to this barter situation
and our farm being productive. People liked eggs. I brought
eggs to school with me when I was older. The
teachers bought them. They were farm fresh eggs. We would
deliver them. Some nice people would drive up to the
(24:55):
farm to get eggs, and it was interesting, very interesting,
the chickens. We would buy the chickens. Once a year,
a truck would come up, like a ups type of
truck with these flat boxes and they would have little
tiny holes all around them and these flat boxes and
you could see the little chickens heads popping out. And
(25:17):
I think we ordered them through a hardware store in town,
and we'd get the baby chickens and then we had
a coop especially for them, and we had a canvas
tent in that coop that was very low to the ground,
and that coop was called the Bruder coop, and those
little baby chickens would live under these tents, and we
had forty watt bulbs in the tents that would keep
(25:38):
them warm and keep the air still. The first things
they would eat would be little pieces of gravel that
would stay in their system for their entire lives. As
we know, chickens do not have teeth, so they would
collect this gravel in their tummy and it would help
them to digest food for the rest of their lives. Anyway,
(26:02):
it was a fun time. I had a great time
doing that with my grandfather. At some point in time,
we had to nip off the chickens beaks so that
if they were going to be laying hens, they wouldn't
be sort of eating their own eggs or packing them
too closely so that they would they would crack the
eggs if they did that. So we learned a lot
(26:23):
doing that. Eight well, we had a great time doing it,
and it was definitely fun for a.
Speaker 1 (26:29):
Child 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 4 (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 the source is 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):
Hello.
Speaker 3 (00:16):
This is Greg Murray, Senior vice president and chief Compliance
Officer at Kelly Financial Services.
Speaker 4 (00:21):
Joining me this evening is Mary Madeline.
Speaker 5 (00:23):
Kelly, one of our wealth advisors.
Speaker 6 (00:25):
How are you doing tonight.
Speaker 2 (00:26):
Hi, Greg, I'm doing great. I feel like I have
to address my brother's attack on my character from last
week and admit that while I did fudge on the
time it would take for him to drive from Portsmouth,
Rhode Island to Rockport, mass I did it with good intentions.
The fudge was only about a fifteen minute difference, so
in the moment, it felt like rounding down was acceptable.
(00:47):
I also thought at that time on a Sunday morning,
he shouldn't run into traffic. But I think he got
enough vengeance in the posters he made for me.
Speaker 3 (00:55):
Like you said, the contents of the posts are not
appropriate for a radio broadcast, but he definitely got his payback.
I'm glad he was there to support you for your race,
though me too.
Speaker 2 (01:03):
I mean it meant the world to me that he
was even there. I think I also have caught the
big running bug because now I'm contemplating a marathon. So
we'll see.
Speaker 3 (01:12):
Thirteen point one miles isn't good enough for you. That's
pretty impressive. A half marathon is one thing, but doing
a full marathon is on a whole new level.
Speaker 2 (01:19):
Tonight's segment is more for investors in their twenties or
early thirties who are wondering where to put their first
serious retirement dollars. I get this question a lot. Should
I open an IRA, a roth IRA, or just buy
some stocks? And my first answer is always, well, actually, Greg,
what's yours?
Speaker 3 (01:36):
I tell them, if you've got a four to oh
one K available through your employer, max that out before
you look at any other iras, before you open up
a separate brokerage account for retirement purposes, max that four
to oh one K. First?
Speaker 2 (01:49):
Why start there?
Speaker 5 (01:50):
Well, a few reasons.
Speaker 3 (01:51):
First, the contribution limit is much higher in twenty twenty five.
You can put in up to twenty three thousand dollars
if you're under fifty, that's way more than seven thousand
dollars IRA limit. If your employer matches contribution, that's free
money immediate return, so you're leaving cash on the table
if you don't take full advantage.
Speaker 2 (02:09):
Yeah, that match is definitely hard to beat. But a
lot of people hear about roth accounts, especially roth FLA
one ks, and they think that's automatically better because my
money will grow tax free.
Speaker 3 (02:20):
Right, And here's where I go against a grain of bit.
Roths can be great, but it's not a one size
fits all solution.
Speaker 6 (02:26):
The key is your.
Speaker 3 (02:26):
Tax situation, meaning meaning if you're in a high tax
bracket right now, let's say you're in the peak earning
years or even just doing really well early in your career,
putting money into a ROTH means you're paying a high
tax rate on those contributions today.
Speaker 5 (02:40):
That's money gone forever.
Speaker 3 (02:41):
You might be better off by taking a tax break now,
by contributing to a traditional fourah one K and paying
taxes later, ideally in retirement when your income and your
tax bracket could be lower.
Speaker 2 (02:51):
But for someone just starting out, maybe making a modest salary,
that's where their WROTH might shine.
Speaker 3 (02:57):
Exactly if you're in a lower tax bracket now, paying
tax and those contributions today can make sense because you
lock in that low rate for life on that money.
Speaker 2 (03:05):
So it's not that ROTH is bad, it's that it's
not always the smartest move if you're a high earner today, exactly.
Speaker 3 (03:11):
And I've seen too many people get caught up in
the buzzword tax free growth without running the math. Tax
free growth is great, but not a few overpay taxes
upfront to get it.
Speaker 2 (03:20):
So let's walk through what you're recommending. For a young
professional with a decent salary, say eighty thousand dollars a year,
and a four oh one k at work.
Speaker 3 (03:28):
Step one, contribute enough to get the full employer match
non negotiable. Step two, keep contributing to that four oh
one k until you hit the max if you can
afford it. You don't want to cannibalize your current standard
of living.
Speaker 5 (03:40):
Step three.
Speaker 3 (03:41):
Only if you've maxed out your four oh one k
instill of extra cash, should you look at iras ROTH
or traditional depending on your tax situation.
Speaker 2 (03:48):
And for the person making say forty five thousand a year.
Speaker 3 (03:51):
I'd still start with the four oh one k for
the match. Then, because they're in a lower tax bracket,
I'd seriously consider the ROTH four oh one k option.
Speaker 2 (03:58):
So it's all about tailoring the retirement plan to your
current and expected tax picture.
Speaker 3 (04:03):
Remember, tax laws can change, your career path can change,
and your income will likely change. So review this every
couple of years, not just once.
Speaker 2 (04:10):
I love that retirement planning isn't set it and forget it.
It's more like a garden. You can check on inten regularly.
Speaker 3 (04:17):
Exactly because you might plant tomatoes one year and then
decide peppers are a better fit for the next. Same
with your tax and retirement mix.
Speaker 2 (04:24):
Okay, so quick recap for our listeners. Get that four
oh one K match. Always max your four oh one
k if you can before looking into iras, and don't
blindly follow the ROTH trend. Run the numbers based on
your tax bracket.
Speaker 6 (04:36):
That's the playbook.
Speaker 3 (04:37):
And if you're not sure which bracket you're in or
how it affects you, talk to a financial advisor or
a tax professional.
Speaker 5 (04:43):
Guessing is not a good retirement strategy.
Speaker 2 (04:45):
Well said, and remember the earlier you start, the more
those contributions, whether ROTH or traditional, can grow for you.
Speaker 3 (04:52):
Time in the market beats timing the market, and that's
true for your retirement accounts too.
Speaker 2 (04:56):
Well that's all we have tonight. Thanks Greg for breaking.
Speaker 3 (04:59):
It down away pleasure and for all the young investors listening.
Your future selves will thank you for starting now.
Speaker 2 (05:04):
Absolutely We'll see you next time.
Speaker 1 (05:08):
Discover safe money Strategies with Kelly. Kelly and her team
called Kelly Financial at eighty eight eight hundred eighty one
or visit Kelly Financial dot org.
Speaker 7 (05:19):
I believe that this nation should commit it so achieving
the goal of landing.
Speaker 5 (05:24):
A man on the Moon and returning him safely to the.
Speaker 4 (05:27):
Earth six five four three two one zero All engine rock.
Speaker 8 (05:37):
Look got a follow eleven.
Speaker 4 (05:39):
Remember those Apollo Moon missions one of America's greatest adventures
and achievements too. The nation set a goal and then
realized it. What are your goals? At Kelly Financial Services,
We've got the right team and technology to help launch
your retirement planning. Let us help you set and reach
(05:59):
your goals for your greatest adventure and achievement. Call us
at eight eight eight eight hundred and eighteen eighty one
or visit us at Kellyfinancial dot org. Where do you
want to land? Within Tangulitybavior the Aglee landed. We are
Kelly Financial Services. Come retire with us.
Speaker 1 (06:19):
Safe money Strategies with Kelly Kelly and her team called
Kelly Financial at eighty eight eight hundred and twenty and
one or go to Kelly Financial dot org. That's Kelly
at Kelly Financial dot org. We're back with safe money Strategies.
I'm William Kelly Junior here again with my mom, Kelly Kelly.
Speaker 8 (06:40):
It's good to be back with you. For those just
tuning in, we've already been talking about retirement, family and
some of the choices that shape your future. And in
this last segment together, we're going to turn to something
that touches nearly every family at some point, legacy planning
(07:00):
when dementia is involved.
Speaker 4 (07:03):
Exactly.
Speaker 1 (07:03):
In Part one, we cover the legal and health aspects,
powers of attorney, medical directives, and how families can prepare.
Now we want to go a step deeper into the meaning,
the stories, and the memories that make up a person's
true legacy.
Speaker 8 (07:16):
Legacy is so much more than a will or a
list of accounts. Is who you are, the lessons you've lived,
the traditions you've carried, and the values you hope your
children and grandchildren will remember. And when dementia enters the picture,
preserving that legacy takes on a new urgency.
Speaker 1 (07:39):
It really does. Families often come to us overwhelmed, worried
about finances, of course, but also about how to hold.
Speaker 5 (07:45):
Onto their loved one's essence.
Speaker 1 (07:47):
And sometimes it takes just a little encouragement or a
push to start capturing things while they can't.
Speaker 8 (07:53):
And it doesn't need to be complicated. Something as simple
as writing down a childhood story or passing along a
family recipe, or maybe labeling an old photo can carry
more weight than a stack of account statements. These small
things say I was here and I loved you.
Speaker 1 (08:15):
I love that mom, Because when a person's memory starts
to slip, families can feel helpless. But creating a scrapbook,
recording a short video message, or even cooking a meal
together gives everyone a sense of connection, and for.
Speaker 8 (08:28):
The person living with dementia, these moments offer dignity. They're
not just a patient or a diagnosis. They're still a parent,
a spouse, a grandparent, and they still have something to give.
Speaker 1 (08:44):
Another layer we're seeing today is the digital legacy. Photos
on your phone, playlist, social media accounts, even voice memos.
I even still have and listen to my dad's old playlists.
These are pieces of your story that can and should
be preserved, whether they're little things or big things.
Speaker 8 (09:00):
Right is important to make a list of those accounts,
store passwords securely, and decide who will have access down
the road. Some platforms let you name a digital air
and for someone facing dementia, recording a message or curating
a playlist can become a meaningful project. One last gift.
Speaker 1 (09:22):
The truth is none of this has to be perfect.
A thirty second voice note from dad saying I'd love
you can mean more to the next generation than any
dollar figure on a page.
Speaker 8 (09:32):
Families can help by prompting those stories, pulling out photos,
maybe asking open ended questions, and most of all, listening
with patients. The process itself is a gift.
Speaker 1 (09:45):
And from our side, as financial professionals, our role is
to align the numbers with those values. Yes, we'll talk
a state planning and talk strategy, but will also help
make sure your legacy, whether digital, financial, or emotional, truly reflects.
Speaker 6 (09:58):
Who you are.
Speaker 8 (10:00):
And that's why we put together a resource we call
the Greatest Gift. Outline your wishes with an estate plan.
It's a free investor guide that shares practical steps to
ease the burden on loved ones. Communicate your values and
plan ahead with confidence.
Speaker 1 (10:19):
Whether dementia has already touched her family, or you just
want to be prepared, This guide is a meaningful first step.
Speaker 8 (10:26):
To request your copy and set up a complimentary appointment
with one of our fiduciary advisors. Call us at eight
eight eight eight hundred eighteen eighty one or email Kelly
at Kellyfinancial dot org.
Speaker 1 (10:40):
We've been helping families plan and protect for their retirement
for twenty two years, and we're honored to share that
experience with you each week.
Speaker 8 (10:47):
And remember, the conversation doesn't end here. More insights are
coming up next right here on safe money strategies.
Speaker 1 (11:00):
Safe money strategies with Kelly Kelly and her team called
Kelly Financial at eighty eight eight hundred twenty and one
or go to Kelly Financial dot org. That's Kelly at
Kelly Financial dot org.
Speaker 8 (11:15):
I'm Kelly Kelly from Kelly Financial. Retirement is a time
to enjoy the fruits of your labor, but is also
a period when financial stability becomes more critical than ever,
so seeking expert financial advice is essential regardless of your age.
Professional guidance insures your assets are allocated wisely, helping your
(11:36):
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
(11:57):
build a balanced portfolio for thee 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.
Speaker 4 (12:14):
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 6 (12:25):
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 4 (12:39):
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 Kelly dfinancial dot
(13:01):
org or call eight eight eight eight hundred and eighteen
eighty one to get the guide.
Speaker 6 (13:05):
Ladies and gentlemen, sort fact from fiction.
Speaker 4 (13:08):
We are Kelly Financial Services. Come retire with us.
Speaker 5 (13:16):
Welcome back.
Speaker 7 (13:17):
You are listening to safe money strategies.
Speaker 5 (13:19):
I'm like you said.
Speaker 7 (13:20):
Joined by Greg Workman tonight, we're talking about working during
retirement and how it can impact your income, benefits and lifestyle.
Speaker 5 (13:28):
Greg.
Speaker 7 (13:29):
Before the break, you mentioned the Social Security earnings test.
In twenty twenty five. If you're under full retirement age,
you can earn up to twenty three thousand, four hundred
dollars without penalty. If you earn more than that, Social
Security withholds one dollar in benefits for every two.
Speaker 5 (13:48):
Dollars you earn over the limit.
Speaker 9 (13:50):
Now here's some good news that money is not lost forever.
Once you reach full retirement age. The Social Security Administration
will recalculate your benefit and increase your monthly check going
forward to account for those months when the payments were
reduced and.
Speaker 7 (14:04):
There's also a higher earnings limit in the year you
reach full retirement age about sixty two thousand and change
for twenty twenty five. Beyond that, withholding drops to one
dollar for every three earned over the limit. It only
applies until the month you hit full retirement age.
Speaker 9 (14:22):
Also important, not all income accounts towards these limits. Wages, bonuses,
and self employment income do count, but pensions, investment income
irate withdrals, and annuity income does not.
Speaker 5 (14:36):
One last thing here.
Speaker 7 (14:38):
Working might also let you delay claiming Social Security in
the first place, which could increase your benefit significantly.
Speaker 5 (14:46):
For every year you delay past full.
Speaker 7 (14:49):
Retirement age up to age seventy, your benefit grows by
about eight percent per year.
Speaker 6 (14:54):
That can be a.
Speaker 9 (14:55):
Powerful strategy, especially for folks who are healthy and expect
to live well beyond them eighties or beyond.
Speaker 7 (15:01):
Another factor to consider is taxes. A lot of folks
don't realize that working in retirement can make more of
your Social Security benefit taxable.
Speaker 6 (15:10):
That's right.
Speaker 9 (15:11):
If you're only receiving Social Security income, chances are you
won't pay federal income tax on it. But once you
start adding earned income or investment income into the mix,
a portion of those benefits can be taxed.
Speaker 7 (15:24):
There's a formula called the provisional Income calculation, where the
IRS takes half your Social Security benefit, adds it to
your other income, and determines if you cross a threshold
where benefits become taxable.
Speaker 9 (15:38):
Depending upon how much you earn, up to eighty five
percent of your Social Security benefit could be subject to
federal tax. It's not a deal breaker, but it's something
to factor into your planning.
Speaker 5 (15:49):
All right, let's talk about pensions.
Speaker 7 (15:51):
If you've got a pension from a former employer, you
may be wondering how working in retirement affects it.
Speaker 9 (15:58):
If you go to work for a new employer, your
pension typically is not affected. You'll receive your pension and
your new income separately. But if you go back to
work for the same employer who issued your pension or
never officially left, there may be some restrictions.
Speaker 7 (16:14):
Some plans will suspend payments while you're still working. Others
will allow you to keep receiving your benefit, but might
not give you credit for additional years of service or pay.
Speaker 9 (16:25):
And if your plan calculates benefits based on final average pay,
be cautious. Cutting back your hours before retirement could lower
your final average salary and your pension benefit right along with.
Speaker 5 (16:38):
It, and finally, healthcare.
Speaker 7 (16:40):
For many people, the cost of health insurance is the
number one reason they work past age sixty five or
at least until Medicare eligibility.
Speaker 9 (16:49):
Some employers offer health insurance to part time employees, especially
if they have phased retirement programs. Others do not, or
they require you to meet certain hour threshol If.
Speaker 5 (17:00):
You lose coverage due to reduced hours.
Speaker 7 (17:03):
Cobra may be an option, though it's often expensive since
you pay the full premium plus administrative costs.
Speaker 9 (17:09):
You could also join your spouse's plan if available, or
explore individual coverage through the federal or state marketplaces.
Speaker 7 (17:17):
And once you reach age sixty five, you'll be eligible
for Medicare, but it's important to coordinate the timing so
you don't have gaps or penalties.
Speaker 9 (17:25):
Working Derbing retirement is a big decision, one that involves
a mix of emotional, lifestyle and financial considerations. There's never
a one size fits all answer.
Speaker 7 (17:36):
At Kelly Financial Services, we're here to help you make
sense of your options and build a plan that aligns
with your goals, whether you plan to work, retire, or
something in between.
Speaker 5 (17:46):
It all starts with a conversation.
Speaker 9 (17:48):
So if tonight's topic raise some questions for you, let's talk.
We invite you to schedule a complimentary, no obligation consultation
with our team.
Speaker 7 (17:57):
Give us a call at eighty eighty eight eight hundred
eighteen eighty one once again, that's eight eight eight eight
hundred eighteen eighty one, or visit us online at Kelly
Financial dot org.
Speaker 9 (18:09):
Thanks for spending time with us on tonight's installment of
safe Money Strategies. We'll see you next weekend, and until then,
stay informed, stay prepared, and stay financially confident.
Speaker 5 (18:19):
With that.
Speaker 7 (18:20):
I'm Greg Workman and I'm Mike you said, join us
next week for more safe money strategies.
Speaker 4 (18:27):
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, who today tests time time.
Speaker 6 (18:37):
You don't have as much left today as you had yesterday.
It's the rule of science. When's the best time to
plant a tree twenty years ago? When's the second best
time to plant a tree? Tomorrow? Today? Whenever you can
get to it, that's the next best time.
Speaker 4 (18:52):
There's no time like the present to begin saving, planning,
and enjoying retirement. So download our consumer guide simply called
a Happy Retirement and find six secrets of how you
can spend your time to cultivate happiness and a retirement
well lived. Go to Kellyfinancial dot org or call eight
(19:13):
eight eight eight hundred eighteen eighty one to spend some
time with one of our financial advisors.
Speaker 6 (19:19):
Time, ladies and gentlemen, it's not too late.
Speaker 4 (19:21):
We are Kelly Financial. Come retire with us.
Speaker 1 (19:26):
Discover safe money strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one to
eighty one or visit Kelly Financial dot org.
Speaker 8 (19:40):
Some of Bill's fondest memories take us back to life
on the farm, where mornings began not just with chores,
but with moment shared alongside his grandfather. In the story,
you'll hear the clever determination of a little boy and
the quiet presence of a grandfather who was always there
at the kitchen table, ready with coffee, stories, and love.
(20:04):
Is a glimpse into the bond that shaped Bill's early
years and stayed with him throughout his life. Here's Bill Kelly.
Speaker 6 (20:14):
When I was two, about two and a half. I
had a little routine I did every morning. I grew
up on a farm. I lived on a chicken farm.
I would get up in the mornings and I would
go to the cookie cabinet. I would raid the cookie cabinet.
(20:35):
It was a horrible thing, ladies and gentlemen. I have
to admit it that I did do this, and you
have to know it was deliberate, and it was something
It was pre planned, and I couldn't help it, sort
of like you know, a compulsive gambler. I was a
compulsive cookie person. How did it work? Well. I slept
(20:57):
in the same bedroom as my grandfather, and I had
a crib. But my crib had a top that my
father had made. It was screened in and it had
latches all along, so I couldn't get out. I couldn't
escape because they knew they were on to me. Slightly,
So over the course of weeks, I was able to
(21:19):
create a little bit of a hole in the top
of that crib screen that no one could see but me.
My hand could go out of it and I could
undo the latches. So somewhere around five o'clock in the
morning each morning, I would reach my hand through my
secret hole in the screen. I would undo the latches
(21:40):
and I would push open the hatch that held me
in that crib, and then I would climb over the
side of the crib, all the time making sure my
grandfather was still asleep. And then I would land on
the chair where he had would put his green work
pants and his flannel shirt, and then I would step
(22:02):
off that chair onto the floor. I would walk into
the kitchen. I'd open the door very carefully, and I
would go into the kitchen, go to the kitchen table.
I would get a chair, slide it over to the cabinets,
and the cabinet that had the cookies in it had
a padlock on it, so I'd reach up on top
(22:24):
of the refrigerator and I would take the key, open
the padlock, open the closet, and I'd have to sort
of step back when I opened it to swing that
cabinet door around without falling off. I would reach up
to the top shelf there would be bags of cookies.
I would take the amount of cookies that I wanted.
(22:45):
I would close the cabinet door. I would put the
padlock back on. I'd put the key back on top
of the refrigerator. I would climb out from the counter
onto the kitchen chair. I would slide the kitchen chair
over to the table. I would go back into my
bedroom with my grandfather. I would climb up on his
(23:07):
chair with my cookies, which would be held inside my zipper,
my footy pajamas and they would be in a little pouch.
I'd look like a little teletubby, I guess. I'd climb
back into the crib, close the top, reach my hand through,
lock myself back in again. I would sit down. I
would eat my cookies, and then I would go back
(23:30):
to sleep. So that was my big adventure most times
on the farm, pre dawn raids in the cookie kitchen.
My grandfather would wake up, usually later on about nine.
He'd pop me out of the crib, change my diaper,
bring me out to the kitchen table. He'd make oatmeal
(23:50):
or fix me up some cheerios, and then he'd sit
me down. I would eat, We would talk. He would
generally drink his coffee, tell me stories. Sometimes we cite poetry,
and then he'd get me dressed, sit me up on
the table, time my shoes and boot me out of
the house for the day, I would wait for him
(24:12):
to come out to water the chickens, and then I'd
walk down the path with him. I was his helper,
and we'd collect the eggs. On Wednesday night, we kindled
eggs in the basement. We'd get them ready to bring
to the county food mart where we would trade them
in on Thursday. We would get money and we would
(24:33):
get some food. We'd get a food account, and we
always ate very very well due to this barter situation
and our farm being productive. People liked eggs. I brought
eggs to school with me when I was older. The
teachers bought them. They were farm fresh eggs. We would
deliver them. Some nice people would drive up to the
(24:55):
farm to get eggs, and it was interesting, very interesting,
the chickens. We would buy the chickens. Once a year,
a truck would come up, like a ups type of
truck with these flat boxes and they would have little
tiny holes all around them and these flat boxes and
you could see the little chickens heads popping out. And
(25:17):
I think we ordered them through a hardware store in town,
and we'd get the baby chickens and then we had
a coop especially for them, and we had a canvas
tent in that coop that was very low to the ground,
and that coop was called the Bruder coop, and those
little baby chickens would live under these tents, and we
had forty watt bulbs in the tents that would keep
(25:38):
them warm and keep the air still. The first things
they would eat would be little pieces of gravel that
would stay in their system for their entire lives. As
we know, chickens do not have teeth, so they would
collect this gravel in their tummy and it would help
them to digest food for the rest of their lives. Anyway,
(26:02):
it was a fun time. I had a great time
doing that with my grandfather. At some point in time,
we had to nip off the chickens beaks so that
if they were going to be laying hens, they wouldn't
be sort of eating their own eggs or packing them
too closely so that they would they would crack the
eggs if they did that. So we learned a lot
(26:23):
doing that. Eight well, we had a great time doing it,
and it was definitely fun for a.
Speaker 1 (26:29):
Child 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 4 (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 the source is 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.
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The Clay Travis and Buck Sexton Show. Clay Travis and Buck Sexton tackle the biggest stories in news, politics and current events with intelligence and humor. From the border crisis, to the madness of cancel culture and far-left missteps, Clay and Buck guide listeners through the latest headlines and hot topics with fun and entertaining conversations and opinions.
The Charlie Kirk Show
Charlie is America's hardest working grassroots activist who has your inside scoop on the biggest news of the day and what's really going on behind the headlines. The founder of Turning Point USA and one of social media's most engaged personalities, Charlie is on the front lines of America’s culture war, mobilizing hundreds of thousands of students on over 3,500 college and high school campuses across the country, bringing you your daily dose of clarity in a sea of chaos all from his signature no-holds-barred, unapologetically conservative, freedom-loving point of view. You can also watch Charlie Kirk on Salem News Channel