October 4, 2025 • 27 mins
This week on Safe Money Strategies, Kelly and William Kelly open up in Forever Young with family updates, puppy tales, and a candid look at William’s upcoming book, Only the Good Invest Young. William explains why burying your “talents” - a biblical term for money currency - is one of the greatest financial mistakes anyone can make. True growth requires wisdom, stewardship, and the courage to embrace risk.
Our Kelly Financial Advisors carry that idea into practical strategy:
● Breaking down the latest market moves and how the new “Big Beautiful Bill” could affect retirees and families.
● Exploring the retirement income gap - what it is, why it matters, and smart strategies to help make your money last.
● Kelly and William also highlight the unique challenges women face in retirement and how to plan for lasting financial security and independence.
The hour closes with the wit and wisdom of Bill Kelly, a listener favorite and a tradition we’re proud to continue here. His reflections on his grandfather’s perseverance through the crash of 1932 offer timeless lessons for today.
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
Our Kelly Financial Advisors carry that idea into practical strategy:
● Breaking down the latest market moves and how the new “Big Beautiful Bill” could affect retirees and families.
● Exploring the retirement income gap - what it is, why it matters, and smart strategies to help make your money last.
● Kelly and William also highlight the unique challenges women face in retirement and how to plan for lasting financial security and independence.
The hour closes with the wit and wisdom of Bill Kelly, a listener favorite and a tradition we’re proud to continue here. His reflections on his grandfather’s perseverance through the crash of 1932 offer timeless lessons for today.
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
Mark as Played
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 Kellyfinancial dot org. Hello.
Speaker 2 (00:15):
This is Greg Murray, Senior Vice President Dan Chief Confliance
Officer at Kelly Financial Services. Joining me tonight is Mary
Metaline Kelly, one of our wealth advisers.
Speaker 3 (00:22):
How are you doing tonight, Hi, Greg, I am doing great.
Thanks for asking. Things have been a little hectic in
the Kelly household with the new member of the family.
Melly is growing like a weed and recently had her
twelve week checkup and fortunately she is very healthy.
Speaker 2 (00:39):
That's awesome to hear. I really enjoyed having her here
in the office with us the other day. There was
a lot of fun watching her run up and down
the hallways, chasing everyone and everything.
Speaker 1 (00:48):
She's the best.
Speaker 3 (00:49):
I am so lucky to have her, and tonight we're
tackling a really important topic for anyone thinking about retirement,
the retirement income gap. What it is, why it matters,
and most import iportantly, how you can make your money last.
Speaker 4 (01:02):
That's right.
Speaker 2 (01:02):
The retirement income gap is simply the difference between the
money you'll actually need each year in retirement and the
guaranteed money you'll have coming in things like social security
pensions if you have one, maybe even rental income exactly.
Speaker 3 (01:15):
Let's say you need six thousand dollars a month to
cover your expenses comfortably in retirement, but between social Security
and a small pension, you're only bringing in four thousand dollars.
That two thousand dollars difference. That's the gap, and that's
where planning becomes crucial.
Speaker 2 (01:29):
And here's where people get caught off guard. They think,
I have a nice nest eag, I'll just draw from that.
But without a strategy, it's easy to overspend early on
and run out of money later. Retirement isn't just a
five year plan. It could last twenty five or even
thirty years.
Speaker 3 (01:43):
That's right, and the challenge is that expenses don't always
stay the same. Healthcare costs can rise, inflation eats away
at purchasing power, and unexpected events like helping family members
or a major home repair that can throw off the budget.
Speaker 2 (01:56):
So the big question is how do you make your
money last. One of the first is figure out what's
guaranteed and what's not. Social Security is guaranteed a pension
if you have one, is also guaranteed, but which draws
from your four to one k or ira depend on
the market and how much you take out.
Speaker 3 (02:11):
And that's where smart planning comes in. From any of
our clients. We look at creating a reliable paycheck in
retirement by combining guaranteed income sources with other investments. That
might mean using annuities for steady payments, or bonds and
dividend stocks for more predictable cash flow.
Speaker 2 (02:27):
And let's not forget about timing the age you start
taking Social Security makes a difference. Waiting until full retirement
ager even age seventy, can increase your monthly check, which
can shrink the income gap before you even touch your savings.
Speaker 3 (02:39):
Another strategy is managing withdrawals carefully. A common rule of
thumb is the four percent rule, where you take out
four percent of your portfolio each year, but we always
remind people it's just a guideline. Depending on the market,
your health, and your lifestyle, you may need a more
personalized approach.
Speaker 2 (02:56):
Absolutely, and let's talk about inflation for a moment. If
you retire at sixty five, then your expenses might look
manageable today, but in twenty years, Grocers, utilities, medical care
can cost much much more. So part of closing the
income gap is making sure your investments grow enough to
keep up with the inflation.
Speaker 3 (03:12):
That's why we often recommend a balance. You need some
investments for growth even in retirement, alongside the more conservative
income producing assets. It's about striking the right mix so
your money lasts.
Speaker 2 (03:24):
And here's the key takeaway for our listeners. The retirement
income gap isn't something to be afraid of, it's something
to plan for. Once you identify what your gap is,
you can start filling it with strategy that makes sense
for your life exactly.
Speaker 3 (03:35):
And that's what we do here at Kelly Financial. We
sit down with clients, look at their income sources, their expenses,
their goals, and then design a plan to cover that
gap in a way that feels secure and sustainable.
Speaker 2 (03:47):
Because at the end of the day, retirement should be
about enjoying life, not worrying if your money will run out.
But the right plan, you can close that gap and
have confidence in your future.
Speaker 3 (03:55):
Well said Greg.
Speaker 2 (03:56):
That's going to wrap up this segment tonight. If you'd
like to learn more about your own retirement income gap
and how to make your money last. Give us a call,
we'd be happy to help.
Speaker 3 (04:04):
Absolutely well, Greg, thanks for your time and have a
great weekend.
Speaker 1 (04:10):
Save Money Strategies with Kelly Kelly and her team. Call
Kelly Financial at eighty eight eight hundred and twenty one
or go to Kelly Financial dot org. That's Kelly at
Kelly Financial dot org. Welcome back to Save Money Strategies.
I'm here with my mom, Kelly Kelly, and before the
(04:30):
break we started talking about the unique challenges women face
and retirement, and now we want to take a closer
look at some practical.
Speaker 5 (04:36):
Steps that's right. Retirement for women isn't just about the numbers.
It's about building confidence, preparing for the unexpected, and making
sure the plan reflects your life. And the truth is
women often face a very different retirement journey than men.
Speaker 1 (04:55):
Absolutely, women live longer on average, and many times they
step out of the workforce to care for children or
aging parents. That means fewer years of income and Social
Security credits, but the same or even greater financial needs
and retirement Exactly.
Speaker 5 (05:09):
That's why we created our free investor guide ten Tips
to empower Women investors, and tonight we're going to walk
through some of those tips practical steps that women can
use right now to strengthen their retirement plans.
Speaker 1 (05:25):
Let's start with one that sounds simple but makes a
huge difference. Keeping money in your own name.
Speaker 5 (05:30):
Yes, whether you're married, divorced, widowed, or single, it's so
important to have accounts in your name. Life can change
suddenly illness, job loss, or the loss of a spouse. Honestly,
I've met too many women who didn't even know what
accounts existed until something happened.
Speaker 1 (05:51):
And keeping an account in your name isn't about distrust,
it's about protection. It gives you a measure of independence
and security no matter what happened.
Speaker 5 (06:00):
Another key step is confronting financial fears. Money can feel intimidating,
markets go up and down, the news is full of
scary headlines, and the jargon can be overwhelming. But at
the end of the day, money is just a tool.
Once you understand how it works, you can use it
(06:21):
to build the life you want.
Speaker 1 (06:23):
And it's so important to share decisions. If only one
partner handles the finances, the other can be left in
the dark. But when both people are engaged, the family
is stronger and more resilient. If something happens. There's no chaos,
just continuity. That is right.
Speaker 5 (06:39):
Avoiding conversations about money does not make the problems go away.
Facing them together creates confidence and stability.
Speaker 1 (06:49):
One of my favorite principles is this pay yourself first.
Treat savings like a bill that must be paid.
Speaker 5 (06:55):
And don't rely on willpower make it automatic. Even modest
contribution into a retirement account or savings plan can add
up to a meaningful nestag over time. The earlier you start,
the more powerful that habit becomes.
Speaker 1 (07:11):
And think about it this way. If you don't put
yourself first financially, who will. Retirement security doesn't just happen,
It's built step by step.
Speaker 5 (07:18):
Another tip is staying organized. That means knowing where your
accounts are, keeping important documents like wills and healthcare directives
in one place, and making sure someone you trust knows
how to find them.
Speaker 1 (07:33):
I think a lot of people assume, oh, I'll remember,
or my spouse knows, but when something unexpected happens, not
having documents organized makes a stressful situation even harder.
Speaker 5 (07:44):
Exactly organization is peace of mind is not enough to
know you have an account. You need to know where
it is, how it works and what role it plays
in your plan.
Speaker 1 (07:56):
Another critical step is choosing advisors wisely yes, and this is.
Speaker 5 (08:01):
A big one. Every woman deserves an advisor who listens,
who educates, and who respects her. If you ever feel
dismissed or talk down to, that's a red flag.
Speaker 1 (08:14):
At Kelly Financial, we always say listening comes first. The
numbers matter, but the story behind those numbers matters just
as much.
Speaker 5 (08:23):
That's how trust is built. And once you find the
right advisor, put your plan in writing.
Speaker 1 (08:30):
A written plan is more than paperwork. It's a roadmap.
Speaker 5 (08:33):
Life changes happen, divorce, widowhood, career shifts. They're part of
the journey. But when you have a written plan, you're
not starting over from scratch. You're simply adjusting the roadmap
that gives you clarity and confidence.
Speaker 1 (08:50):
And when life doesn't go as expected, every woman needs
a backup plan that's correct.
Speaker 5 (08:56):
A backup plan could be as simple as having an
emergent fund or knowing which expenses you could cut temporarily.
It's about resilience, knowing that if life throws a cur ball,
you already have Plan B.
Speaker 1 (09:11):
And that reduces panic. Instead of scrambling, you can move forward.
With confidence.
Speaker 5 (09:15):
Another essential step is understanding what you own. Don't just
know that you have an account, know what's inside it, stocks, bonds,
mutual funds, annuities, and whether those investments actually line up
with your goals.
Speaker 1 (09:32):
And planning for your family goes beyond dollars and cents.
It means estate planning, wills, healthcare proxies, and all the
things that make sure your loved ones are cared for.
Speaker 5 (09:42):
No matter what, women are often the backbone of their families.
Financial planning should reflect that leadership role.
Speaker 1 (09:50):
These strategies are practical, empowering, and designed to give women
steps they can start applying today.
Speaker 5 (09:56):
That's why we created our free investor guide tend to
to empower women investors. It's a resource to help women
take control of their retirement futures, to make sure their
plans reflect their lives, their goals, and their values.
Speaker 4 (10:13):
Don't wait.
Speaker 1 (10:14):
Even small steps taken today can create independence and security
for tomorrow. To request your free copy and schedule a
complimentary consultation, call eight eight eight eight hundred and one
eight eight one or email Kelly at Kellyfinancial dot org.
Speaker 5 (10:27):
That wraps up our conversation on women in retirement, but
There's plenty more still to come on safe money strategies.
Speaker 1 (10:37):
Safe money Strategies with Kelly Kelly and her team. Call
Kelly Financial at eighty eight eight hundred and twenty and
eight one or go to Kelly Financial dot org. That's
Kelly at Kelly Financial dot org.
Speaker 6 (10:51):
We're back on, Mike du said, chief operating officer at
Kelly Financial Services, and I am joined by Greg Workman,
one of the trusted investment advisors on our team. The
Big Beautiful Act, signed into law in July, has wide
reaching implications for taxpayers, from an enlarged standard deduction for
older adubts to more generous tax credits for families with
(11:11):
young children. The legislation contains a plethora of provisions that
could lower your twenty twenty five tax bill or, in
some cases, increase it. Let's start with the bonus deduction
for taxpayers sixty five or older.
Speaker 7 (11:25):
Starting with the twenty twenty five tax hear, those who
are sixty five plus will be eligible for an additional
standard deduction of six thousand dollars. What's the catch. The
bonus standard deduction will affect only eligible taxpayers whose income
exceeds the amount of their standard deduction, so low income
(11:46):
seniors won't necessarily benefit from this tax break.
Speaker 6 (11:49):
On the other end of the spectrum, higher income taxpayers
could see the amount of the bonus deduction reduced or
eliminated altogether. The deduction starts to phase out for couples
with modified adjusted gross income of more than one hundred
and fifty thousand, seventy five thousand for single filers, and
is fully phased out at modified adjusted gross income of
(12:11):
two hundred fifty thousand, one hundred seventy five for singles.
Speaker 7 (12:16):
As a reminder, your modified adjusted gross income or MAGI
is your adjusted gross income with certain deductions added.
Speaker 6 (12:26):
Back in here's a question. Does the bill eliminate tax
on Social Security benefits?
Speaker 7 (12:31):
The legislation will not eliminate taxes on Social Security benefits,
but because the taxability of benefits is based on a
calculation involving your adjusted gross income, the bill will serve
to reduce the number of beneficiaries who pay the taxes
from thirty six percent to twelve percent. According to the
(12:51):
White House, the bill contains a valuable tax break for
homeowners in certain high tax states. Could you touch on
that homeowners can permanently deduct mortgage interest on home loans
up to seven hundred and fifty thousand, giving certainty and
tax savings for those with moderate to large mortgages. The
cap is now permanent rather than expiring after twenty twenty five,
(13:15):
so homeowners now have long term certainty.
Speaker 6 (13:18):
Another break for homeowners is the salt or state in
local tax deduction. The deduction cap rises from ten thousand
to forty thousand from twenty twenty five through twenty twenty
nine for income under five hundred thousand, which helps those
in high property tax states reduce their federal tax bills.
(13:38):
As you consider your year end charitable contributions, it's important
to understand how new tax breaks for givers, along with
new limits on how much some donors will be allowed
to deduct, impact your return.
Speaker 7 (13:50):
The Big Beautiful Bill permanently extends the higher standard deduction
rules from the twenty seventeen tax law, which means fewer
taxpayers willemize and therefore fewer will claim a charitable deduction. However,
for those who do itemize, the Big Beautiful Bill keeps
in place the ability to deduct cash contributions to public
(14:12):
charities up to sixty percent of adjusted gross income, giving
larger donors continued tax incentives. In addition, starting in twenty
twenty six, taxpayers who do not itemize can deduct up
to one thousand and charitable contributions, or up to two
thousand for married couples who file jointly.
Speaker 6 (14:34):
The Big Beautiful Bill impacts health savings accounts. Hsas can
be a valuable tool to set aside money for both
current and future healthcare expenses, and HSA provides a triple
tax break. Your contributions are tax deductible or pre tax
If you made it through your employer, the money gross
tax deferred, and you can use it tax free for
(14:55):
eligible medical expenses in any year after your.
Speaker 7 (14:58):
Turn sixty five. You can also withdraw money tax free
from the HSA for Medicare premiums in addition to other
out of pocket healthcare costs.
Speaker 6 (15:09):
Starting in twenty twenty six, ACA, Bronze and Catastrophic Marketplace
plans will be treated as high deductible health plans, meaning
that many people who were not previously eligible will now
be able to open and contribute to hsas.
Speaker 7 (15:24):
Also, from twenty twenty six, memberships in certain direct primary
care arrangements with monthly fees up to or about one
hundred and fifty dollars for individuals or three hundred for families,
will no longer disqualify someone for HSA eligibility, and such
fees can be applied using HSA funds.
Speaker 6 (15:46):
The bill provides benefits for families, including more generous tax
credits for parents, including a permanent child tax credit of
twenty two hundred poor child and increases the refundable portion
to seventeen hundred, putting more money in the hands of
fans families even if they don't owe much.
Speaker 1 (16:01):
In federal taxes.
Speaker 7 (16:03):
It also expands five to twenty nine education savings plans
to cover not just college tuition, but K through twelve materials, tutoring,
dual enrollment credential programs, and allows for the new quote
unquote Trump Accounts, which are seated with one thousand for
children born twenty twenty five to twenty twenty eight, so
(16:24):
parents have more flexibility in preparing financially for their children's
education and future.
Speaker 6 (16:31):
Updating a financial plan is a critical practice for maintaining
financial security and achieving long term goals. Because a financial
plan is not a static document, regular reviews, in short,
stays aligned with your changing life goals and market conditions.
Speaker 7 (16:46):
Neglecting to update your plan can lead to missed opportunities,
poor financial decisions, and increased stress. It pays, quite literally
to make sure you're maximizing your resources year in and
year out. Small change could mean thousands down the road,
so don't miss out.
Speaker 6 (17:04):
If you think of yourself as the CEO of your
financial life, your financial plan is your business plan. It
captures your vision for the future and outlines in great
details the steps you can take to pursue that vision.
Speaker 7 (17:16):
If having a plan sounds intimidating and a bit daunting,
that's where we come in to help.
Speaker 6 (17:21):
Call our team at eight eight eight eight hundred eighteen
eighty one and let us walk you through our Safe
Money Strategies financial planning process, no frills, easy to understand
workbook provides a three hundred and sixty degree view of
your finances and provides the confidence you need to make
smart financial decisions moving forward.
Speaker 7 (17:39):
Once again, our phone number is eight eight eight eight
hundred eighteen eighty one. Don't delay call us and let
our team pave the way to financial freedom by uncovering
opportunities and risks that you might otherwise miss out on.
Speaker 6 (17:55):
Thank you for joining us on this week's edition of
Safe Money Strategies. I Mike do Set and I'm Greg Workman.
We'll be back next week for more Safe Money strategies.
Speaker 1 (18:06):
Discover Safe Money Strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one eighty
one or visit Kellyfinancial dot org.
Speaker 8 (18:17):
Hey, it's the Kooner Man. I've got something truly special
for you. Join me on Wednesday, October fifteenth from four
to six pm for a live event at the iHeart
Boston Studios in Medford with the incredible team from Kelly
Financial Services. We'll be talking about the things that matter
the most, family relationships, today's biggest headlines, from politics to
(18:40):
culture and everything in between.
Speaker 1 (18:42):
And that's not all.
Speaker 8 (18:43):
You'll get a chance to hear about William Kelly's brand
new book Meet my friends the Kelly Financial Family Tour
the iHeartMedia Studios, where the magic of radio comes to life.
There'll be food, drinks, prizes, plenty of unforgettable conversations. Race
is limited for reserve your spot now. Call eight eight
(19:03):
eight eight hundred eighteen eighty one eight eight eight eight
hundred eighteen eighty one.
Speaker 1 (19:08):
I can't wait to see you all there.
Speaker 9 (19:11):
Advisory services offered through Kelly Financial Services, an SEC registered
investment advisor.
Speaker 5 (19:19):
This week, Bill takes us back to the lessons he
learned from his grandfather, a man who went from prosperity
to hardship in the crash of nineteen thirty two, but
never lost his sense of discipline, respect, and perseverance. Through
stories of family, work and values that shaped an entire generation,
(19:41):
Bill reminds us how a strong foundation can carry us
through life's most difficult challenges. These are timeless lessons and
they're just as important today as they were nearly a
century ago. Ladies and gentlemen, here's Bill Kelly.
Speaker 4 (20:00):
That was probably the strongest man I ever knew, and
there wasn't much he couldn't do. Over the years, he
stood up to a lot, and he made it to
the finish line with his head up. Gramp had a
wonderful life until the crash of nineteen thirty two, when
his whole world suddenly changed. He was a wealthy industrialist
and owned several six family homes in Providence. He had
(20:20):
a beautiful residence in a very nice section of Cranston
and his family had the best of everything. They had
the nicest pianos and wonderful clothing. Then it was suddenly
all gone. Providence was the jewelry capital of the world.
There were many factories for jewelry and silver place settings.
My grandfather had a factory in which they enameled emblems
(20:41):
for Rio Motor car company, for the VFW, the Army,
and the Navy. They enameled emblems and buttons for uniforms.
In nineteen twenty seven, there were signs on the horizon
that didn't bode well for anyone who owned a jewelry
factory in Providence. As the financial markets collapsed in the
late twenties and early thirties, Ramp didn't know what he
was heading into. At first, the darkness was on the horizon,
(21:04):
and then like a tidal wave, it was at his
front door. He had to face that with eight children,
no money, and all of his houses going into foreclosure
because no one could pay the rent. Providence looked like
a prison camp or a scene out of a Dickens movie,
with people sitting on their front stoops all day. Nobody
could find work. Why was Providence hit so hard? Well,
(21:27):
middle class people stopped buying jewelry. You couldn't eat jewelry.
The collapse delivered a double hit for Providence and for Gramp.
So what did he do? Did he become paralyzed with despair. No,
he went out and painted. He painted for the work's
Progress administration. In those days, they had to divide the
family up. Aunts, uncles and cousins would take in children
(21:50):
while the head of the household tried to make enough
money to pay for their food. New clothing was unheard of.
Clothing was passed down from child to child. Gramp got
on his feet again through hard work and was eventually
able to help my parents by bailey Brook Farm. At
the time, we were living in a project. There's nothing
else you could call it. Granp had saved up about
(22:11):
four thousand dollars, which was an unheard of sum back then.
He used it as a down payment on the twenty
seven acre farm for my parents. Graam decided he was
going to stay with us and they would pay the
mortgage together. Dad was a fireman and mom was a
telephone operator. I think both of those terms are improper
or antiquated now, but that's what they called themselves, and
(22:32):
that's how we got our start on a farm about
a mile from the beach. Everyone had to work. I
always wondered if gramp was bitter about all he'd lost
in his life. He was a perfectionist. He did the
daily routine, and he cared for us. But I think
it may have been a difficult adjustment. Graham had gone
from being a pillar of Providence industry in nineteen thirty
(22:53):
two to living in a farmhouse in nineteen fifty two
with nine other people, all sharing one bathroom. He didn't
seem to have a lot of regrets, and he certainly
had a lot to teach us. So what were the
values my grandfather taught me? There were many. Respect for
proper diction was one. When we got home from school.
He would ask us grandkids about the words we had learned,
(23:15):
and he would stress the importance of diction. Good diction
begins with the teeth, tongue, and lips. I can still
see him standing right there saying it. If I had
the vocal quality of some other people in radio, I
think I'd be a billionaire. I'm not on the radio
because of my vocal talent, and I don't have a
show because I'm the sharpest person in radio. I'm here
(23:36):
because I love what I'm doing, and apparently people like listening.
That's the extent of it. But good diction was important
to Graham and it's helped me to this day. Respect
for teachers was paramount in our house. Respect for law
and order, paying taxes, and being a good citizen were
all taught to us at an early age. Another value
(23:57):
we learned was that voting was of great importance. When
we turned sixteen, we were expected to drive people to
the poles. Back then, most people were Democrats, so we
brought Democrats to the polls to vote for other Democrats.
We participated in government and watched news conferences at home.
Obeying rules was paramount. We didn't get a chance to
(24:18):
participate in the hippie movement of the nineteen sixties. We
had small side burns. They were allowed to grow to
the bottom of the ear. That was the limit, or
you weren't going to sit at the table that night.
It wasn't going to be comfortable if your hair wasn't
cut neatly and smartly. Work and employment ranked high in
our household. He always had a job, no matter what
(24:39):
else you were doing. If you were fired or quit
or laid off. You weren't encouraged to take unemployment. You
were encouraged to get another job right away. If it
wasn't the right fit, something would come up along the
way to make it the right fit, and you'd eventually
have the right job. But sitting around waiting for the
perfect job was not a Kelly family t tradition. Another
(25:01):
thing is that we were a union household. We respected
unions and we respected the efforts of people who worked.
We were both willing and proud to support union initiatives
such as better working conditions, higher wages, and a better
standard of living. The unions were noble. They were trying
to keep people from having to work on Sundays to
get better wages if they had to work Saturdays. They
(25:24):
set the work week at forty hours, and Irish immigrant
families needed it badly. This was especially true in Providence
because the city was home to hundreds of mills. There
were mills of every type lining the streets, rivers, and
railroad tracks. They made everything from paper to jewelry and
anything having to do with metal tools or machinery. Unions
(25:45):
were respected in our home, So that's what it was like.
Those were the values taught to us by our parents
and grandparents. It sometimes seems as if those values are gone,
but they're not. Indeed, they've worked out for me and
they live on in many other people. I know. If
you have a good value system, does it keep you
from making an error? No, You're going to make mistakes,
(26:06):
but a good value system can help you recover. A
big mistake doesn't have to be fatal if you have
a solid value system working for you and you know
right from wrong. There's a price to pay if you
want to step on the other side. So I think
value systems work. There's survival mechanisms, there are ethics that
allow us to navigate through life, and they're really very
(26:28):
important to have. Ladies and gentlemen.
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.
Speaker 9 (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 sis 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 Kellyfinancial dot org. Hello.
Speaker 2 (00:15):
This is Greg Murray, Senior Vice President Dan Chief Confliance
Officer at Kelly Financial Services. Joining me tonight is Mary
Metaline Kelly, one of our wealth advisers.
Speaker 3 (00:22):
How are you doing tonight, Hi, Greg, I am doing great.
Thanks for asking. Things have been a little hectic in
the Kelly household with the new member of the family.
Melly is growing like a weed and recently had her
twelve week checkup and fortunately she is very healthy.
Speaker 2 (00:39):
That's awesome to hear. I really enjoyed having her here
in the office with us the other day. There was
a lot of fun watching her run up and down
the hallways, chasing everyone and everything.
Speaker 1 (00:48):
She's the best.
Speaker 3 (00:49):
I am so lucky to have her, and tonight we're
tackling a really important topic for anyone thinking about retirement,
the retirement income gap. What it is, why it matters,
and most import iportantly, how you can make your money last.
Speaker 4 (01:02):
That's right.
Speaker 2 (01:02):
The retirement income gap is simply the difference between the
money you'll actually need each year in retirement and the
guaranteed money you'll have coming in things like social security
pensions if you have one, maybe even rental income exactly.
Speaker 3 (01:15):
Let's say you need six thousand dollars a month to
cover your expenses comfortably in retirement, but between social Security
and a small pension, you're only bringing in four thousand dollars.
That two thousand dollars difference. That's the gap, and that's
where planning becomes crucial.
Speaker 2 (01:29):
And here's where people get caught off guard. They think,
I have a nice nest eag, I'll just draw from that.
But without a strategy, it's easy to overspend early on
and run out of money later. Retirement isn't just a
five year plan. It could last twenty five or even
thirty years.
Speaker 3 (01:43):
That's right, and the challenge is that expenses don't always
stay the same. Healthcare costs can rise, inflation eats away
at purchasing power, and unexpected events like helping family members
or a major home repair that can throw off the budget.
Speaker 2 (01:56):
So the big question is how do you make your
money last. One of the first is figure out what's
guaranteed and what's not. Social Security is guaranteed a pension
if you have one, is also guaranteed, but which draws
from your four to one k or ira depend on
the market and how much you take out.
Speaker 3 (02:11):
And that's where smart planning comes in. From any of
our clients. We look at creating a reliable paycheck in
retirement by combining guaranteed income sources with other investments. That
might mean using annuities for steady payments, or bonds and
dividend stocks for more predictable cash flow.
Speaker 2 (02:27):
And let's not forget about timing the age you start
taking Social Security makes a difference. Waiting until full retirement
ager even age seventy, can increase your monthly check, which
can shrink the income gap before you even touch your savings.
Speaker 3 (02:39):
Another strategy is managing withdrawals carefully. A common rule of
thumb is the four percent rule, where you take out
four percent of your portfolio each year, but we always
remind people it's just a guideline. Depending on the market,
your health, and your lifestyle, you may need a more
personalized approach.
Speaker 2 (02:56):
Absolutely, and let's talk about inflation for a moment. If
you retire at sixty five, then your expenses might look
manageable today, but in twenty years, Grocers, utilities, medical care
can cost much much more. So part of closing the
income gap is making sure your investments grow enough to
keep up with the inflation.
Speaker 3 (03:12):
That's why we often recommend a balance. You need some
investments for growth even in retirement, alongside the more conservative
income producing assets. It's about striking the right mix so
your money lasts.
Speaker 2 (03:24):
And here's the key takeaway for our listeners. The retirement
income gap isn't something to be afraid of, it's something
to plan for. Once you identify what your gap is,
you can start filling it with strategy that makes sense
for your life exactly.
Speaker 3 (03:35):
And that's what we do here at Kelly Financial. We
sit down with clients, look at their income sources, their expenses,
their goals, and then design a plan to cover that
gap in a way that feels secure and sustainable.
Speaker 2 (03:47):
Because at the end of the day, retirement should be
about enjoying life, not worrying if your money will run out.
But the right plan, you can close that gap and
have confidence in your future.
Speaker 3 (03:55):
Well said Greg.
Speaker 2 (03:56):
That's going to wrap up this segment tonight. If you'd
like to learn more about your own retirement income gap
and how to make your money last. Give us a call,
we'd be happy to help.
Speaker 3 (04:04):
Absolutely well, Greg, thanks for your time and have a
great weekend.
Speaker 1 (04:10):
Save Money Strategies with Kelly Kelly and her team. Call
Kelly Financial at eighty eight eight hundred and twenty one
or go to Kelly Financial dot org. That's Kelly at
Kelly Financial dot org. Welcome back to Save Money Strategies.
I'm here with my mom, Kelly Kelly, and before the
(04:30):
break we started talking about the unique challenges women face
and retirement, and now we want to take a closer
look at some practical.
Speaker 5 (04:36):
Steps that's right. Retirement for women isn't just about the numbers.
It's about building confidence, preparing for the unexpected, and making
sure the plan reflects your life. And the truth is
women often face a very different retirement journey than men.
Speaker 1 (04:55):
Absolutely, women live longer on average, and many times they
step out of the workforce to care for children or
aging parents. That means fewer years of income and Social
Security credits, but the same or even greater financial needs
and retirement Exactly.
Speaker 5 (05:09):
That's why we created our free investor guide ten Tips
to empower Women investors, and tonight we're going to walk
through some of those tips practical steps that women can
use right now to strengthen their retirement plans.
Speaker 1 (05:25):
Let's start with one that sounds simple but makes a
huge difference. Keeping money in your own name.
Speaker 5 (05:30):
Yes, whether you're married, divorced, widowed, or single, it's so
important to have accounts in your name. Life can change
suddenly illness, job loss, or the loss of a spouse. Honestly,
I've met too many women who didn't even know what
accounts existed until something happened.
Speaker 1 (05:51):
And keeping an account in your name isn't about distrust,
it's about protection. It gives you a measure of independence
and security no matter what happened.
Speaker 5 (06:00):
Another key step is confronting financial fears. Money can feel intimidating,
markets go up and down, the news is full of
scary headlines, and the jargon can be overwhelming. But at
the end of the day, money is just a tool.
Once you understand how it works, you can use it
(06:21):
to build the life you want.
Speaker 1 (06:23):
And it's so important to share decisions. If only one
partner handles the finances, the other can be left in
the dark. But when both people are engaged, the family
is stronger and more resilient. If something happens. There's no chaos,
just continuity. That is right.
Speaker 5 (06:39):
Avoiding conversations about money does not make the problems go away.
Facing them together creates confidence and stability.
Speaker 1 (06:49):
One of my favorite principles is this pay yourself first.
Treat savings like a bill that must be paid.
Speaker 5 (06:55):
And don't rely on willpower make it automatic. Even modest
contribution into a retirement account or savings plan can add
up to a meaningful nestag over time. The earlier you start,
the more powerful that habit becomes.
Speaker 1 (07:11):
And think about it this way. If you don't put
yourself first financially, who will. Retirement security doesn't just happen,
It's built step by step.
Speaker 5 (07:18):
Another tip is staying organized. That means knowing where your
accounts are, keeping important documents like wills and healthcare directives
in one place, and making sure someone you trust knows
how to find them.
Speaker 1 (07:33):
I think a lot of people assume, oh, I'll remember,
or my spouse knows, but when something unexpected happens, not
having documents organized makes a stressful situation even harder.
Speaker 5 (07:44):
Exactly organization is peace of mind is not enough to
know you have an account. You need to know where
it is, how it works and what role it plays
in your plan.
Speaker 1 (07:56):
Another critical step is choosing advisors wisely yes, and this is.
Speaker 5 (08:01):
A big one. Every woman deserves an advisor who listens,
who educates, and who respects her. If you ever feel
dismissed or talk down to, that's a red flag.
Speaker 1 (08:14):
At Kelly Financial, we always say listening comes first. The
numbers matter, but the story behind those numbers matters just
as much.
Speaker 5 (08:23):
That's how trust is built. And once you find the
right advisor, put your plan in writing.
Speaker 1 (08:30):
A written plan is more than paperwork. It's a roadmap.
Speaker 5 (08:33):
Life changes happen, divorce, widowhood, career shifts. They're part of
the journey. But when you have a written plan, you're
not starting over from scratch. You're simply adjusting the roadmap
that gives you clarity and confidence.
Speaker 1 (08:50):
And when life doesn't go as expected, every woman needs
a backup plan that's correct.
Speaker 5 (08:56):
A backup plan could be as simple as having an
emergent fund or knowing which expenses you could cut temporarily.
It's about resilience, knowing that if life throws a cur ball,
you already have Plan B.
Speaker 1 (09:11):
And that reduces panic. Instead of scrambling, you can move forward.
With confidence.
Speaker 5 (09:15):
Another essential step is understanding what you own. Don't just
know that you have an account, know what's inside it, stocks, bonds,
mutual funds, annuities, and whether those investments actually line up
with your goals.
Speaker 1 (09:32):
And planning for your family goes beyond dollars and cents.
It means estate planning, wills, healthcare proxies, and all the
things that make sure your loved ones are cared for.
Speaker 5 (09:42):
No matter what, women are often the backbone of their families.
Financial planning should reflect that leadership role.
Speaker 1 (09:50):
These strategies are practical, empowering, and designed to give women
steps they can start applying today.
Speaker 5 (09:56):
That's why we created our free investor guide tend to
to empower women investors. It's a resource to help women
take control of their retirement futures, to make sure their
plans reflect their lives, their goals, and their values.
Speaker 4 (10:13):
Don't wait.
Speaker 1 (10:14):
Even small steps taken today can create independence and security
for tomorrow. To request your free copy and schedule a
complimentary consultation, call eight eight eight eight hundred and one
eight eight one or email Kelly at Kellyfinancial dot org.
Speaker 5 (10:27):
That wraps up our conversation on women in retirement, but
There's plenty more still to come on safe money strategies.
Speaker 1 (10:37):
Safe money Strategies with Kelly Kelly and her team. Call
Kelly Financial at eighty eight eight hundred and twenty and
eight one or go to Kelly Financial dot org. That's
Kelly at Kelly Financial dot org.
Speaker 6 (10:51):
We're back on, Mike du said, chief operating officer at
Kelly Financial Services, and I am joined by Greg Workman,
one of the trusted investment advisors on our team. The
Big Beautiful Act, signed into law in July, has wide
reaching implications for taxpayers, from an enlarged standard deduction for
older adubts to more generous tax credits for families with
(11:11):
young children. The legislation contains a plethora of provisions that
could lower your twenty twenty five tax bill or, in
some cases, increase it. Let's start with the bonus deduction
for taxpayers sixty five or older.
Speaker 7 (11:25):
Starting with the twenty twenty five tax hear, those who
are sixty five plus will be eligible for an additional
standard deduction of six thousand dollars. What's the catch. The
bonus standard deduction will affect only eligible taxpayers whose income
exceeds the amount of their standard deduction, so low income
(11:46):
seniors won't necessarily benefit from this tax break.
Speaker 6 (11:49):
On the other end of the spectrum, higher income taxpayers
could see the amount of the bonus deduction reduced or
eliminated altogether. The deduction starts to phase out for couples
with modified adjusted gross income of more than one hundred
and fifty thousand, seventy five thousand for single filers, and
is fully phased out at modified adjusted gross income of
(12:11):
two hundred fifty thousand, one hundred seventy five for singles.
Speaker 7 (12:16):
As a reminder, your modified adjusted gross income or MAGI
is your adjusted gross income with certain deductions added.
Speaker 6 (12:26):
Back in here's a question. Does the bill eliminate tax
on Social Security benefits?
Speaker 7 (12:31):
The legislation will not eliminate taxes on Social Security benefits,
but because the taxability of benefits is based on a
calculation involving your adjusted gross income, the bill will serve
to reduce the number of beneficiaries who pay the taxes
from thirty six percent to twelve percent. According to the
(12:51):
White House, the bill contains a valuable tax break for
homeowners in certain high tax states. Could you touch on
that homeowners can permanently deduct mortgage interest on home loans
up to seven hundred and fifty thousand, giving certainty and
tax savings for those with moderate to large mortgages. The
cap is now permanent rather than expiring after twenty twenty five,
(13:15):
so homeowners now have long term certainty.
Speaker 6 (13:18):
Another break for homeowners is the salt or state in
local tax deduction. The deduction cap rises from ten thousand
to forty thousand from twenty twenty five through twenty twenty
nine for income under five hundred thousand, which helps those
in high property tax states reduce their federal tax bills.
(13:38):
As you consider your year end charitable contributions, it's important
to understand how new tax breaks for givers, along with
new limits on how much some donors will be allowed
to deduct, impact your return.
Speaker 7 (13:50):
The Big Beautiful Bill permanently extends the higher standard deduction
rules from the twenty seventeen tax law, which means fewer
taxpayers willemize and therefore fewer will claim a charitable deduction. However,
for those who do itemize, the Big Beautiful Bill keeps
in place the ability to deduct cash contributions to public
(14:12):
charities up to sixty percent of adjusted gross income, giving
larger donors continued tax incentives. In addition, starting in twenty
twenty six, taxpayers who do not itemize can deduct up
to one thousand and charitable contributions, or up to two
thousand for married couples who file jointly.
Speaker 6 (14:34):
The Big Beautiful Bill impacts health savings accounts. Hsas can
be a valuable tool to set aside money for both
current and future healthcare expenses, and HSA provides a triple
tax break. Your contributions are tax deductible or pre tax
If you made it through your employer, the money gross
tax deferred, and you can use it tax free for
(14:55):
eligible medical expenses in any year after your.
Speaker 7 (14:58):
Turn sixty five. You can also withdraw money tax free
from the HSA for Medicare premiums in addition to other
out of pocket healthcare costs.
Speaker 6 (15:09):
Starting in twenty twenty six, ACA, Bronze and Catastrophic Marketplace
plans will be treated as high deductible health plans, meaning
that many people who were not previously eligible will now
be able to open and contribute to hsas.
Speaker 7 (15:24):
Also, from twenty twenty six, memberships in certain direct primary
care arrangements with monthly fees up to or about one
hundred and fifty dollars for individuals or three hundred for families,
will no longer disqualify someone for HSA eligibility, and such
fees can be applied using HSA funds.
Speaker 6 (15:46):
The bill provides benefits for families, including more generous tax
credits for parents, including a permanent child tax credit of
twenty two hundred poor child and increases the refundable portion
to seventeen hundred, putting more money in the hands of
fans families even if they don't owe much.
Speaker 1 (16:01):
In federal taxes.
Speaker 7 (16:03):
It also expands five to twenty nine education savings plans
to cover not just college tuition, but K through twelve materials, tutoring,
dual enrollment credential programs, and allows for the new quote
unquote Trump Accounts, which are seated with one thousand for
children born twenty twenty five to twenty twenty eight, so
(16:24):
parents have more flexibility in preparing financially for their children's
education and future.
Speaker 6 (16:31):
Updating a financial plan is a critical practice for maintaining
financial security and achieving long term goals. Because a financial
plan is not a static document, regular reviews, in short,
stays aligned with your changing life goals and market conditions.
Speaker 7 (16:46):
Neglecting to update your plan can lead to missed opportunities,
poor financial decisions, and increased stress. It pays, quite literally
to make sure you're maximizing your resources year in and
year out. Small change could mean thousands down the road,
so don't miss out.
Speaker 6 (17:04):
If you think of yourself as the CEO of your
financial life, your financial plan is your business plan. It
captures your vision for the future and outlines in great
details the steps you can take to pursue that vision.
Speaker 7 (17:16):
If having a plan sounds intimidating and a bit daunting,
that's where we come in to help.
Speaker 6 (17:21):
Call our team at eight eight eight eight hundred eighteen
eighty one and let us walk you through our Safe
Money Strategies financial planning process, no frills, easy to understand
workbook provides a three hundred and sixty degree view of
your finances and provides the confidence you need to make
smart financial decisions moving forward.
Speaker 7 (17:39):
Once again, our phone number is eight eight eight eight
hundred eighteen eighty one. Don't delay call us and let
our team pave the way to financial freedom by uncovering
opportunities and risks that you might otherwise miss out on.
Speaker 6 (17:55):
Thank you for joining us on this week's edition of
Safe Money Strategies. I Mike do Set and I'm Greg Workman.
We'll be back next week for more Safe Money strategies.
Speaker 1 (18:06):
Discover Safe Money Strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one eighty
one or visit Kellyfinancial dot org.
Speaker 8 (18:17):
Hey, it's the Kooner Man. I've got something truly special
for you. Join me on Wednesday, October fifteenth from four
to six pm for a live event at the iHeart
Boston Studios in Medford with the incredible team from Kelly
Financial Services. We'll be talking about the things that matter
the most, family relationships, today's biggest headlines, from politics to
(18:40):
culture and everything in between.
Speaker 1 (18:42):
And that's not all.
Speaker 8 (18:43):
You'll get a chance to hear about William Kelly's brand
new book Meet my friends the Kelly Financial Family Tour
the iHeartMedia Studios, where the magic of radio comes to life.
There'll be food, drinks, prizes, plenty of unforgettable conversations. Race
is limited for reserve your spot now. Call eight eight
(19:03):
eight eight hundred eighteen eighty one eight eight eight eight
hundred eighteen eighty one.
Speaker 1 (19:08):
I can't wait to see you all there.
Speaker 9 (19:11):
Advisory services offered through Kelly Financial Services, an SEC registered
investment advisor.
Speaker 5 (19:19):
This week, Bill takes us back to the lessons he
learned from his grandfather, a man who went from prosperity
to hardship in the crash of nineteen thirty two, but
never lost his sense of discipline, respect, and perseverance. Through
stories of family, work and values that shaped an entire generation,
(19:41):
Bill reminds us how a strong foundation can carry us
through life's most difficult challenges. These are timeless lessons and
they're just as important today as they were nearly a
century ago. Ladies and gentlemen, here's Bill Kelly.
Speaker 4 (20:00):
That was probably the strongest man I ever knew, and
there wasn't much he couldn't do. Over the years, he
stood up to a lot, and he made it to
the finish line with his head up. Gramp had a
wonderful life until the crash of nineteen thirty two, when
his whole world suddenly changed. He was a wealthy industrialist
and owned several six family homes in Providence. He had
(20:20):
a beautiful residence in a very nice section of Cranston
and his family had the best of everything. They had
the nicest pianos and wonderful clothing. Then it was suddenly
all gone. Providence was the jewelry capital of the world.
There were many factories for jewelry and silver place settings.
My grandfather had a factory in which they enameled emblems
(20:41):
for Rio Motor car company, for the VFW, the Army,
and the Navy. They enameled emblems and buttons for uniforms.
In nineteen twenty seven, there were signs on the horizon
that didn't bode well for anyone who owned a jewelry
factory in Providence. As the financial markets collapsed in the
late twenties and early thirties, Ramp didn't know what he
was heading into. At first, the darkness was on the horizon,
(21:04):
and then like a tidal wave, it was at his
front door. He had to face that with eight children,
no money, and all of his houses going into foreclosure
because no one could pay the rent. Providence looked like
a prison camp or a scene out of a Dickens movie,
with people sitting on their front stoops all day. Nobody
could find work. Why was Providence hit so hard? Well,
(21:27):
middle class people stopped buying jewelry. You couldn't eat jewelry.
The collapse delivered a double hit for Providence and for Gramp.
So what did he do? Did he become paralyzed with despair. No,
he went out and painted. He painted for the work's
Progress administration. In those days, they had to divide the
family up. Aunts, uncles and cousins would take in children
(21:50):
while the head of the household tried to make enough
money to pay for their food. New clothing was unheard of.
Clothing was passed down from child to child. Gramp got
on his feet again through hard work and was eventually
able to help my parents by bailey Brook Farm. At
the time, we were living in a project. There's nothing
else you could call it. Granp had saved up about
(22:11):
four thousand dollars, which was an unheard of sum back then.
He used it as a down payment on the twenty
seven acre farm for my parents. Graam decided he was
going to stay with us and they would pay the
mortgage together. Dad was a fireman and mom was a
telephone operator. I think both of those terms are improper
or antiquated now, but that's what they called themselves, and
(22:32):
that's how we got our start on a farm about
a mile from the beach. Everyone had to work. I
always wondered if gramp was bitter about all he'd lost
in his life. He was a perfectionist. He did the
daily routine, and he cared for us. But I think
it may have been a difficult adjustment. Graham had gone
from being a pillar of Providence industry in nineteen thirty
(22:53):
two to living in a farmhouse in nineteen fifty two
with nine other people, all sharing one bathroom. He didn't
seem to have a lot of regrets, and he certainly
had a lot to teach us. So what were the
values my grandfather taught me? There were many. Respect for
proper diction was one. When we got home from school.
He would ask us grandkids about the words we had learned,
(23:15):
and he would stress the importance of diction. Good diction
begins with the teeth, tongue, and lips. I can still
see him standing right there saying it. If I had
the vocal quality of some other people in radio, I
think I'd be a billionaire. I'm not on the radio
because of my vocal talent, and I don't have a
show because I'm the sharpest person in radio. I'm here
(23:36):
because I love what I'm doing, and apparently people like listening.
That's the extent of it. But good diction was important
to Graham and it's helped me to this day. Respect
for teachers was paramount in our house. Respect for law
and order, paying taxes, and being a good citizen were
all taught to us at an early age. Another value
(23:57):
we learned was that voting was of great importance. When
we turned sixteen, we were expected to drive people to
the poles. Back then, most people were Democrats, so we
brought Democrats to the polls to vote for other Democrats.
We participated in government and watched news conferences at home.
Obeying rules was paramount. We didn't get a chance to
(24:18):
participate in the hippie movement of the nineteen sixties. We
had small side burns. They were allowed to grow to
the bottom of the ear. That was the limit, or
you weren't going to sit at the table that night.
It wasn't going to be comfortable if your hair wasn't
cut neatly and smartly. Work and employment ranked high in
our household. He always had a job, no matter what
(24:39):
else you were doing. If you were fired or quit
or laid off. You weren't encouraged to take unemployment. You
were encouraged to get another job right away. If it
wasn't the right fit, something would come up along the
way to make it the right fit, and you'd eventually
have the right job. But sitting around waiting for the
perfect job was not a Kelly family t tradition. Another
(25:01):
thing is that we were a union household. We respected
unions and we respected the efforts of people who worked.
We were both willing and proud to support union initiatives
such as better working conditions, higher wages, and a better
standard of living. The unions were noble. They were trying
to keep people from having to work on Sundays to
get better wages if they had to work Saturdays. They
(25:24):
set the work week at forty hours, and Irish immigrant
families needed it badly. This was especially true in Providence
because the city was home to hundreds of mills. There
were mills of every type lining the streets, rivers, and
railroad tracks. They made everything from paper to jewelry and
anything having to do with metal tools or machinery. Unions
(25:45):
were respected in our home, So that's what it was like.
Those were the values taught to us by our parents
and grandparents. It sometimes seems as if those values are gone,
but they're not. Indeed, they've worked out for me and
they live on in many other people. I know. If
you have a good value system, does it keep you
from making an error? No, You're going to make mistakes,
(26:06):
but a good value system can help you recover. A
big mistake doesn't have to be fatal if you have
a solid value system working for you and you know
right from wrong. There's a price to pay if you
want to step on the other side. So I think
value systems work. There's survival mechanisms, there are ethics that
allow us to navigate through life, and they're really very
(26:28):
important to have. Ladies and gentlemen.
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.
Speaker 9 (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 sis 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.
Popular Podcasts
On Purpose with Jay Shetty
I’m Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and I’m so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood you’re able to deal with relationship struggles, work challenges and life’s ups and downs with more ease and grace. I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them we’ve never seen before. New episodes every Monday and Friday. Your support means the world to me and I don’t take it for granted — click the follow button and leave a review to help us spread the love with On Purpose. I can’t wait for you to listen to your first or 500th episode!
The Joe Rogan Experience
The official podcast of comedian Joe Rogan.
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.