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March 14, 2025 23 mins
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Speaker 1 (00:00):
Okay, a couple of lines are open if you want
to jump on. Let me throw two super quick, very
quick logs on the fire. As I like to say.
Number one, do you think as a country we've changed
in terms of our culture, our outlook, our approach to work.

(00:20):
And what I mean by that is for most of
our history, you know, people never you know, no one
ever felt entitled to a job. No one ever felt
like the boss owes me a job, my employer owes
me a job, and once I get this job, it's

(00:40):
mine for life, like a sinecure. You know. It's just
you know, like I said, like you're like you're a
part of the new aristocracy, Like it's an inheritance, that's
that's yours by by divine right, you know, by birthright.
So I always looked at it as your very fortunate
to have a job. A lot of people don't have jobs.

(01:04):
Most people around the world are poor. A job, you know,
pays you, it pays the bills, helps you, you know,
get by live. It's you know, you can feed yourself,
feed your family, pay your rent, put a roof over
your head, put clothes on your back. To me, I've
always been very grateful to have a job. And I've

(01:25):
always understood that a job is just that, it's a job. Now,
of course, if it's a good job and you love
your job, hey, of course, you know, the longer the better,
but nothing lasts forever. And so I've always understood that
every job is temporary. Now, you do have cases like

(01:47):
my dad. My dad was an exception. He worked nearly
fifty years at his company. So he started in his
early twenties and all the way he retired in his
early seventies. It was Parkinson eventually, the Parkinson's. He just
couldn't continue. But he was the exception that proves the rule,
which is, you know, my dad always said this, He said,

(02:09):
I'm very lucky that I had a very stable company,
and I was very good at my job, and they
considered me indispensable at my job. But I can't tell
you dozens and dozens of times my dad would come
home and say, oh, yeah they fired this guy, or
oh they laid off this guy, or you know someone

(02:29):
at work, and he always worried, could be me, could
be me. That's why I always made sure he came
to work on time, He worked hard, he gave it
the best he had every single day, and you know,
fingers crossed and your pray to God and you hope,
you know they don't fire you that event you know,
eventually you know they don't let you go. So this

(02:52):
idea that somehow, you know, as Tommy in West Virginia said,
this sense of entitle that you're seeing now, Like these
workers in the education department, I've been here fifteen years?
How dare they let me go? So what because you've

(03:13):
been there fifteen that means what you've got to be
there another fifteen? Like? Ware you serious? So what is
this a lifetime appointment? Now? What are you the Supreme Court?
So no, I'm sorry, you're not entitled to a job.
And what I'm noticing, especially millennials and gen Z in particular,

(03:39):
they go I mean when I say they're snowflakes, they
melt down wheneveryone gets laid off or fired or whatever.
I mean, they're crying, they're hysterical, as if they'll never
get another job again. But not just that, like they
act like they've been personally betrayed, like someone you know,

(04:01):
like that's just my job? What mean it's your job?
You don't own it? And It's this sense of entedialment
that premeates everything. You know, the employer asked them to
do certain things. Noah, I don't do that. You like,
I'm telling you, they won't. You know, they they won't
get coffee, they won't work past certain hours. They you know,

(04:23):
they got to have their one hour lunch break. They've
got to have their coffee breaks throughout the day. They
I mean, you would you wouldn't believe this, you know,
they have to work from home. Like now, it's like, no, no,
we're going to work from home. That's that's another issue
with these federal workers. As Elon and Trump pointed out,

(04:45):
hundreds and hundreds and hundreds of thousands of them are
all still working from home nearly five years after the pandemic,
after COVID, and they act like they're entitled work from home.
And they're saying, and we're finding out they're not doing
anything at home. They've basically been used to walking around

(05:09):
in their pajamas all day and out of watching Jerry
Springer and eating doritos. And so when they said, okay,
we just want you to come back to the office,
you know, in the private sector, everybody's coming back to
the office. Nope. Well, if you're not going to come
back to the office, obviously you're not that indispensable. Obviously

(05:30):
you don't love the job that much. And this is
what I mean. They're entitled to work from home. Well,
you're not entitled to work from home. Now, maybe some
jobs they allow you to work from home. To me,
that's a very nice perk you tele it commute, you
don't have to battle traffic. I mean, it's a nice

(05:52):
perk to work from home. Okay, but it's a perk.
It's a perk, it's a privilege. You don't have a
right to work from home. And this this is what
I mean, this sense of it's their job, like you
owe them. No, you're lucky to have a job and

(06:16):
you better work your ass off to keep the job. Agree, disagree.
Six one seven two six six sixty eight sixty eight.
Gardener in New Hampshire. Thanks for holding Gardener and welcome.

Speaker 2 (06:32):
Hey, thanks for taking my call, Jeff, I really appreciated.
I'd like to touch base again on the great points
that you and so many of the callers are bringing
up about the separation of powers. And one of the
things that comes back to me is of course, you
know basic civics class, you get the three branches. The
executive branch is supposed to handle things, and they all

(06:56):
they all swear oes to the Constitution. And if one
of the members of a branch finds that there is
something unconstitutional, say the president, then the president is not
supposed to execute a statute that the legislature has passed
that he believes is unconstitutional. If they had passed a
statute that said, go arrest every Japanese person and put

(07:18):
them into a corral.

Speaker 1 (07:20):
Joining us now, as she always does at this time,
the co founder, CEO, president of Kelly Financial Services, and yes,
that is her beautiful name, Kelly Kelly Kelly, how.

Speaker 3 (07:39):
Are you good morning, Jeff, I am good. Major life
events like selling a home, taking social Security, withdrawing from
retirement accounts, or even unexpected healthcare costs can all impact
your retirement taxes. At Kelly Financial Advisor can help you

(08:01):
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We have a free investor guide that might help is
called Tax Strategies for retirement buckets, create tax choices, which

(08:22):
explains how dividing your assets into tax free, tax deferred,
and taxable buckets will help you manage withdraws wisely. For
the Guide or for a free consultation with a Kelly Advisor,
give us a call or email Kelly at Kelly Financial
dot org. Jeff, I will continue this conversation with our

(08:43):
Kelly Advisors tomorrow morning at nine am on Safe Money
Strategies Radio. Do tune in. We also have a new
master series coming up in April, so do reach out
for more information. Jeff, have a wonderful weekend and happy
happy birthday Aston.

Speaker 1 (09:01):
Thank you, Kelly, have a wonderful weekend. Please give my
best to everyone at Kelly Financial Kooner Country. If you
want to get a free copy of their Investor Guide
or make a free retirement consultation with a Kelly Advisor,
call eight eight eight eight hundred eighteen eighty one eight
eight eight eight hundred eighteen eighty one, or you can

(09:24):
actually email Kelly herself personally Kelly at Kellyfinancial dot org.
That's Kelly at Kellyfinancial dot org. All right, let's go
right back to Gardner in New Hampshire. Gardner, you were
building up to an absolutely brilliant point about the inherent
separation of powers, checks and balances within our constitutional system,

(09:51):
and that these rogue judges are now destroying and wrecking that.
Please pick up where you left off.

Speaker 2 (10:02):
They've been great, great supporters of you for so long,
and they're very patriotic folks. I really appreciate those folks. Yeah,
you know, so we have the separation of powers, and
it's not the greatest character of them all. But if
you take Andrew Jackson as an example of Supreme Court
ruled against Andrew Jackson's attempts to do certain things, and

(10:25):
he said, they have made their decision, now let them
try to enforce it. Because the enforcement side of things
is the executive branch and the other branches don't have
enforcement powers likewise, And I'd like to draw this over
into another contemporary issue. As the President embarks on his
tariff matters, he actually shouldn't be doing that unilaterally in

(10:49):
the executive branch either. The legislative branch is supposed to
be the branch that issues the tariffs. The executive branch
cannot do it unilaterally. That's a usurpation of the legislative branch,
and all revenue bills are supposed to originate in the Congress.
So what Donald Trump is doing regarding these terriffs is

(11:11):
patently unconstitutional. Even if people claim, well, Congress gave him
the power to just unilaterally issue teriffs, no, incorrect, absolutely incorrect.
They can't. They are constitutionally prohibited from handing over any
of their enumerated powers. So that's something that I think
I'd like to just add to the conversation because it contextually, historically,

(11:34):
and I think ethically it's it's something to also bring
up and keep in mind.

Speaker 1 (11:39):
You know, Gardner, Look, I'm someone who my whole life
I've been against the imperial presidency. To me, I think
you're right. I think, not just on the tariff issue,
on so many issues. I think Congress has abdicated it's
constitutional responsibility and its constitutional powers. And they've done it

(12:04):
both to the president and to the judiciary, to the
judicial branch, to the judiciary, and I agree with you.
And what we're now seeing is a shrink in Congress
a week in Congress, and a surging judicial branch where
you have these activist judges who literally think they're both

(12:25):
Congress and the president. They think they can rewrite laws,
legislate from the branch or when they feel like it,
block the president when he's clearly clearly exercising his authority
as the head of the executive branch. Gardner on this point,
am I wrong?

Speaker 2 (12:46):
Well, I'll add this. If you look at the Constitution,
the word immigration is not in the Constitution. It was
not until eighteen seventy five, with a ruling called Chi
Lung v. Freemen that the Supreme Court essentially invented a
federal role over immigration. It was a state issue. Thomas
Jefferson and James Madison both mentioned it in seventeen ninety

(13:09):
eight during the alien and sedition crises. So this is
the sort of thing that again brings up a very
very bad president that was set just like Roe v. Wade.
So it folds in a lot. So if we actually
look at immigration, that's actually supposed to be a state issue,
a federalist issue, and the judges in that case usurped

(13:30):
the power of the states. So it works both in
the different branches of the federal government, and it works
on the federalist side. And I hope people will be
open to looking at that. I've had conversations with Pat
Buchanan and Tom tan Credo and JD. Hayworth about this,
and they all agree when I go through the syllogisms, well,
you know you're right, You're right. The only way that
they can address this is either declare war against some

(13:52):
sort of invading nation or issue letters of market reprisal
if the people crossing the border are not officially in
the uniform of a foreign nation state. But these are
all things that are lost unfortunately historically, as people get
very ramped up about what's happening on the ground and
the current current status of things. And so for me,
even if I might not be able to change things,

(14:14):
I try to look at these things historically and say, well,
what's the closest I can get, honestly to what the
founders actually wanted? And even if I can't change anything,
at least that informed myself of these things.

Speaker 1 (14:26):
Interesting, very interesting, Gardner. Thank you very very much for
that call. I really appreciate it. Six one seven two six,
six sixty eight sixty eight is the number. This issue now,
in terms of these rogue judges, is to me a
very simple issue. Who rules in America? We the people,

(14:50):
through our elected representatives and in this case, Donald Trump
is our elected president of the United States, or activist judges,
essentially fascists, judicial tyrants in black ropes. That's the issue.
Is a judge, a king is a judge. A monarch

(15:13):
is a judge in many ways a de facto dictator.
And what liberals are trying to tell us is, yes,
that a no name judge in San Francisco, take this
guy alsup, can literally tell the president he can't fire
people who are on probation. By the way, and in

(15:36):
the probation agreement that federal workers you know, are given,
they're told explicitly they can you can be remember the
first year you're on probation. You can be let go,
you can be laid off. You can be fired any day,
any time, for any reason, any reason. And yet he's

(16:01):
telling Trump he has no business firing these thousands and
thousands of probationary federal employees, and now he's got to
rehire them. I'm sorry, who died and made this guy?

Speaker 4 (16:14):
God?

Speaker 1 (16:17):
So that's the issue. So yeah, just off air, Sandy
was telling me, you know, Jeff, now that Ashton is
you know, he's turned fifteen today. It's his birthday. You
know what that means. I'm like, no, what does that mean?
She goes, well, he's gonna get a learner's permit, it's
gonna arn how to drive. I'm like, please, don't remind me,
because he keeps telling me all the time, dud, I'm

(16:37):
gonna be fifteen. You know he's already bothering me about
a car. He's already bugging me about a car. He goes, so, Dad,
what kind of a car you're gonna get me? I
get you a car?

Speaker 2 (16:48):
Ashton.

Speaker 1 (16:50):
I can't. I can't breathe, Ashton. I'm choking, Ashton. Please,
We're not getting you a car for a while. Okay, Like, relax.
Do you think I'm an ATM machine? Six to one?

Speaker 2 (17:04):
Yeah?

Speaker 1 (17:04):
I go, Ashton, You're starting to sound like a Democrat.
For God's sake, do you think it grows on trees?
Money doesn't grow on trees? Six one, seven two, six
six sixty eight sixty eight. But let that go. Heather
in Rockland, Thanks for holding Heather, and welcome.

Speaker 4 (17:26):
I just wanted to answer. Thank you for taking my call.
I wanted to answer your question. I think the workplace
has dramatically changed, and even since COVID. I think it's changed.
It's it's just not the same. And I feel like,
what was I gonna say that? It's you know, I think,

(17:52):
like my mother always said back in the day, people
like when you go to work, the people actually care
about you. It's it's not so much that anymore. It's
just you go. You know, you put your time, and
you're basically a number. And I and I feel like
that's even more so now since COVID.

Speaker 1 (18:14):
I agree, No, Heather, I completely agree. And I would
just add this and you tell me what you think
of it. I don't want to say any names or anything.
But this was maybe just before COVID. It was just
before COVID. There was a woman, nice woman, I mean
really nothing against her person, very nice, always nice to me,

(18:34):
very polite. She was about twenty nine thirty, maybe twenty
eight on the young side, if you know, if I'm
off it's by a year or two, but twenty eight
twenty nine thirty ish. And I began noticing this. She
started to come to work wearing pajamas, I mean all day.
I mean there were fresh pajamas as long as she

(18:56):
just rolled out of bed with the pajamas you slept
in but they were. And then I noticed also she
had a security blanket, like a little blanket, and I'm
like why, I asked somebody, I said, why is she
walking around with a security blanket? And they said, well,
because if you say something to her that she finds offensive,

(19:19):
she will cry and she uses the security blanket to
comfort her. And I'm like, this is a thirty year
old woman going to work in pajamas and she needs
like a child, like a little security blanket. And apparently
it's true if you this is what I was told
by her superior. Her superior, we're just talking and he

(19:40):
said no, no, he goes this generation, he goes, I
don't know what we're gonna do with him. He goes, literally,
I say this was a mistake. You need to do
this just that I said this was a mistake or no, no,
you did that wrong. I need you to do it
like this, to say wrong or mistake. And he started
to imitate this person. He was like, what did you

(20:02):
say what? And he goes, Dan, you're like a psychiatrist.
He goes, you're literally spending several hours. The woman is crying,
crying with the security blanket in her pajamas and you're like,
you're a good person. It doesn't mean you're a bad person.
It doesn't mean you're completely incompetent at your job. It

(20:24):
just means you've got to learn to fix these mistakes.
And the point he was trying to make is I
don't know if we can socialize these people in terms
of the workforce. And he said, look, we're still going
to be okay. I'll never forget this. These words stay
with me. Now, what was it six seven years ago?
They've stayed with me, and they'll always stay with me.

(20:46):
He said, I think we're going to be okay as
long as they work for us, meaning like they're you know,
you have people are our generation running things. But he said,
I don't know what's going to happen once they begun,
when they begin to be the managers, when they begin

(21:06):
to run companies, when they begin to make the decisions,
when they're in their forties and fifties. He goes, I
don't know how this country is going to survive. And
it's not just a one off over and I'm getting warm.
I see it more often and people are telling me
about it. They go, Jeff, they come in pajamas, or

(21:29):
they come in like they just rolled out of bed,
or you tell them the most simple thing, no you
didn't file it, like no, can you not file? Like
I need you to file it like that, and they
start crying, or they run the human resources and say
this is harassment and you're like you're stun You're like,
what harassment? I just said that was a mistake. I
need you to do it this way. And they're so brittle,

(21:52):
they're so insecure because they've been so caudled their whole life.
This is the generation everybody gets a t everybody and
no matter what you do, and no matter what you say,
you have to be validated. Like literally, if you say
you're a turtle, you have to treat you like a turtle.
You say you're a cat, and then you're a cat.

(22:13):
So that's and also completely raised on social media, no
social skills whatsoever. And it's the combination of the two.
And Heather, I'm telling you they they act like you
give them a job and they're doing you a favor

(22:34):
for taking the job, and you can't even tell them
when they're doing something wrong. Heather, final word to.

Speaker 4 (22:41):
You, No, it's funny you said about the pajamas. It's
interesting because I work for a corporate law firm, and
we could, you know, wearing jeans. I mean back in
the day when I first started, you war suits every day,
and then it's business casual, and then it was like
jeans on Friday. Now I can go to work on
jeans anytime I want, which I this was since COVID,
which I still find that bizarre. I mean, I still

(23:04):
if I wear jeans, I dress them up a little
bit and wear a jacket or something with them. But yeah,
I mean the dress code has really gotten very casual.
But I mean the partners I work for, they still
wear suits and stuff. But the staff, I mean, it's
definitely much more casual than it used to be.

Speaker 1 (23:26):
Give him a couple more years either you're going to
start to see him in pajamas. By the way, that
was a West Coast phenomenon. Initially, I'm not kidding. People
are like, why are you know people go to the
grocery store and they're all dressed in pajamas, like usually
younger people, and people thought that was like a weird California, Oregon,

(23:46):
Washington thing. Now it's all over the country.
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