https://clearmind-capital.com/clarity-corner/ohio-flat-tax-2026-what-it-means-for-you/ https://i.ytimg.com/vi/dyJLvpMpRhk/hqdefault.jpg Ohio's New Flat Tax in 2026: What It Means for You Ohio's flat 2.75% income tax takes effect in 2026. The savings land mainly on income above $100,000. Here's what it means for Ohio taxpayers. https://www.youtube.com/embed/dyJLvpMpRhk 2026-09-06T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/it-started-with-a-water-heater/ https://i.ytimg.com/vi/oSVPh2AwMko/hqdefault.jpg It Started With a Water Heater Mike and Jess make over $500,000 a year and have no financial system. This is about the foundation: what it looks like, what it costs you to not have it, and how to build it. https://www.youtube.com/embed/oSVPh2AwMko 2026-07-21T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/collecting-dividends-25-feels-responsible-but-is-it-the-right-move/ https://i.ytimg.com/vi/KXnmbgozzbA/hqdefault.jpg Collecting dividends @ 25 feels responsible but is it the right move? Buying dividend stocks in your twenties feels grown up. Whether it is the right move is a different question. https://www.youtube.com/embed/KXnmbgozzbA 2026-06-25T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/what-you-need-to-know-about-dividends/ https://i.ytimg.com/vi/djDgOPkO4nM/hqdefault.jpg What You Need to Know About Dividends Dividends are one of the most misunderstood concepts in investing. https://www.youtube.com/embed/djDgOPkO4nM 2026-06-23T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/would-you-want-this-from-your-financial-advisor/ https://i.ytimg.com/vi/JJs2H8rYB8Q/hqdefault.jpg Would You Want This From Your Financial Advisor? I walk through the Planning Roadmap we use with every new client at ClearMind Capital, a document that lays out the full planning experience so clients always know where they are, where we're going, and why. https://www.youtube.com/embed/JJs2H8rYB8Q 2026-06-07T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/markets-at-an-all-time-high-our-mood-is-at-an-all-time-low-what-gives/ https://i.ytimg.com/vi/nGeOZpjQ3Ew/hqdefault.jpg Market’s at an all-time high. Our mood is at an all-time low. What gives? Markets keep hitting records while the mood stays sour. The gap between the two is worth understanding. https://www.youtube.com/embed/nGeOZpjQ3Ew 2026-06-01T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/why-do-people-who-can-already-afford-to-retire-keep-working/ https://i.ytimg.com/vi/Mpwt7i8cJpM/hqdefault.jpg Why do people who can already afford to retire keep working? Some people could retire tomorrow and keep working anyway. The reason is rarely the money. https://www.youtube.com/embed/Mpwt7i8cJpM 2026-05-28T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/are-you-working-longer-than-you-need-to/ https://i.ytimg.com/vi/HkfrmVfhi_Q/hqdefault.jpg Are You Working Longer Than You Need To? A lot of people delay retirement because of fear, not money. They've just never had someone walk them through what's possible. https://www.youtube.com/embed/HkfrmVfhi_Q 2026-05-22T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/appreciated-stock-dafs-and-qcds-explained/ https://i.ytimg.com/vi/0vMKmZqmkR0/hqdefault.jpg Appreciated Stock, DAFs, and QCDs Explained Most people give to charity the same way their parents did: write a check, send it off, move on. If you've been investing for a while, there's often a smarter way to give the same amount and keep more out of Uncle Sam's hands. https://www.youtube.com/embed/0vMKmZqmkR0 2026-04-22T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/donating-cash-vs-appreciated-stock/ https://i.ytimg.com/vi/af3zzIBcwuw/hqdefault.jpg Donating Cash vs. Appreciated Stock Giving the same amount two ways can leave very different sums on the table. Cash is rarely the efficient one. https://www.youtube.com/embed/af3zzIBcwuw 2026-04-22T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/do-you-make-too-much-money-for-a-roth-ira/ https://i.ytimg.com/vi/cYCoZeUn27M/hqdefault.jpg Do you make too much money for a Roth IRA? There is an income limit on contributing straight to a Roth IRA. There is also a legal way around it. https://www.youtube.com/embed/cYCoZeUn27M 2026-04-16T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/how-much-cash-should-you-keep-in-retirement/ https://i.ytimg.com/vi/Njc-iBv2aAM/hqdefault.jpg How Much Cash Should You Keep in Retirement? A simple framework for thinking about cash in retirement, and how an income reserve can fit into the plan. https://www.youtube.com/embed/Njc-iBv2aAM 2026-03-26T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/how-past-money-experiences-can-shape-decisions-today/ https://i.ytimg.com/vi/6dUaLwBDksI/hqdefault.jpg How past money experiences can shape decisions today The way you handle money now was largely written by what you saw growing up. Seeing that gives you a choice. https://www.youtube.com/embed/6dUaLwBDksI 2026-03-25T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/how-other-people-shape-your-financial-life/ https://i.ytimg.com/vi/Qx3IpZxRm6A/hqdefault.jpg How Other People Shape Your Financial Life A lot of what we buy and want is set by the people around us. Naming that makes it easier to choose for yourself. https://www.youtube.com/embed/Qx3IpZxRm6A 2026-03-19T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/3-medicare-decisions-that-can-cost-you-thousands-explained-simply/ https://i.ytimg.com/vi/RK85xDr7ryw/hqdefault.jpg 3 Medicare Decisions That Can Cost You Thousands Medicare can get confusing fast, and if you're getting close to 65, this stuff matters. Here are three Medicare decisions to understand early. https://www.youtube.com/embed/RK85xDr7ryw 2026-03-18T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/why-you-always-feel-behind-even-when-youre-doing-fine/ https://i.ytimg.com/vi/5FYMo4mcDoc/hqdefault.jpg Why You Always Feel Behind (Even When You're Doing Fine) Over time, our expectations shift based on the environment around us. A home, career, or lifestyle that once felt like stability can start to feel insufficient, simply because the reference point has moved. https://www.youtube.com/embed/5FYMo4mcDoc 2026-03-12T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/what-a-trust-actually-is-and-what-one-looks-like/ https://i.ytimg.com/vi/nsNuIlsFkAI/hqdefault.jpg What a Trust Actually Is (And What One Looks Like) When people hear the word trust, they often assume it's about complicated tax strategies or something only the ultra-wealthy need. In reality, most revocable living trusts are much simpler than that. https://www.youtube.com/embed/nsNuIlsFkAI 2026-03-05T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/trump-accounts-explained-what-parents-need-to-know/ https://i.ytimg.com/vi/jOipRJexZEw/hqdefault.jpg Trump Accounts Explained: What Parents Need to Know You may have heard people talking about “Trump Accounts,” but there's a lot of confusion around what they actually are and how they could relate to families and long-term saving. https://www.youtube.com/embed/jOipRJexZEw 2026-02-25T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/the-feeling-behind-every-financial-decision/ https://i.ytimg.com/vi/ACCLAIS_5pY/hqdefault.jpg The Feeling Behind Every Financial Decision Most financial advice focuses on numbers: returns, accounts, and strategies. But real financial decisions rarely happen in a spreadsheet. https://www.youtube.com/embed/ACCLAIS_5pY 2026-02-18T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/if-you-have-a-pension-this-changes-retirement/ https://i.ytimg.com/vi/vSACdrTcry4/hqdefault.jpg If You Have a Pension, This Changes Retirement Getting close to retirement usually means facing one big shift: your paycheck is going away. When that happens, the real question becomes what replaces it. https://www.youtube.com/embed/vSACdrTcry4 2026-02-03T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/the-chart-every-investor-should-understand/ https://i.ytimg.com/vi/LtvHfnkhS3M/hqdefault.jpg The Chart Every Investor Should Understand This video walks through a simple visual often referred to as the asset quilt. https://www.youtube.com/embed/LtvHfnkhS3M 2026-01-21T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/how-social-security-is-taxed-and-why-it-changes-from-year-to-year/ https://i.ytimg.com/vi/egYcqwyLVMo/hqdefault.jpg How Social Security Is Taxed (And Why It Changes From Year to Year) Social Security taxation is one of the most misunderstood parts of retirement planning, and to be fair, it is confusing. https://www.youtube.com/embed/egYcqwyLVMo 2026-01-14T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/2026-money-updates-you-should-actually-know/ https://i.ytimg.com/vi/-O47IswqZEY/hqdefault.jpg 2026 Money Updates You Should Actually Know It's officially 2026, and a few important financial rules and limits have changed. Here's a quick walk through the ones worth knowing. https://www.youtube.com/embed/-O47IswqZEY 2026-01-05T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/ive-saved-about-dollar1-millionam-i-ready-to-retire/ https://i.ytimg.com/vi/2jA22ic-mgM/hqdefault.jpg I've Saved About $1 Million...Am I Ready to Retire? As people approach retirement, often around age 60 with roughly $1 million saved, the real question becomes how all the pieces fit together, not whether a single number has been reached. https://www.youtube.com/embed/2jA22ic-mgM 2025-12-31T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/when-is-a-roth-conversion-a-good-idea/ https://i.ytimg.com/vi/Uv2qGEPjNIQ/hqdefault.jpg When Is a Roth Conversion a Good Idea? Roth conversions can be a powerful tax planning strategy, but only when the timing is right. Done at the wrong time they can increase your taxes; done at the right time they can save you thousands, sometimes hundreds of thousands of dollars. https://www.youtube.com/embed/Uv2qGEPjNIQ 2025-12-18T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/account-types-vs-investments/ https://i.ytimg.com/vi/qpKUnJpMdFo/hqdefault.jpg Account Types vs Investments The account is the container. The investments are what you put inside it. Two separate decisions, and mixing them up is common. https://www.youtube.com/embed/qpKUnJpMdFo 2025-12-03T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/save-smart-in-your-20s/ https://i.ytimg.com/vi/UwBRJJy-JIQ/hqdefault.jpg Save Smart in Your 20's Most young people are saving in the wrong place without even knowing it. In this video, I break down a simple way to think about where to save in your 20s so your money actually supports your life, not just retirement. https://www.youtube.com/embed/UwBRJJy-JIQ 2025-12-03T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/3-types-of-investors-which-one-are-you/ https://i.ytimg.com/vi/NsJSsyCHIMw/hqdefault.jpg 3 Types of Investors (Which One Are You?) Many people invest without realizing they're playing a completely different game than the person they're comparing themselves to. https://www.youtube.com/embed/NsJSsyCHIMw 2025-11-19T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/will-social-security-run-out-the-2025-reality-check/ https://i.ytimg.com/vi/eD2oRoJLUEk/hqdefault.jpg Will Social Security Run Out? The 2025 Reality Check We've all heard the rumors that Social Security is running out. But how true is that, really? https://www.youtube.com/embed/eD2oRoJLUEk 2025-10-22T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/how-much-is-enough/ https://i.ytimg.com/vi/OvwS6midQ0I/hqdefault.jpg How much is enough? Enough is a real number, but almost nobody stops to define it. Here is what that costs you. https://www.youtube.com/embed/OvwS6midQ0I 2025-10-18T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/an-excerpt-from-the-tail-end-by-tim-urban/ https://i.ytimg.com/vi/ANyA9dPS1B4/hqdefault.jpg An excerpt from The Tail End by Tim Urban A short reflection borrowed from Tim Urban's essay The Tail End, on how little time with the people we love is actually left. https://www.youtube.com/embed/ANyA9dPS1B4 2025-10-08T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/building-a-diversified-portfolio/ https://i.ytimg.com/vi/a1Ddr5LLu18/hqdefault.jpg Building a Diversified Portfolio Diversification means not betting the whole outcome on one company, sector, or country. Here is what that looks like in practice. https://www.youtube.com/embed/a1Ddr5LLu18 2025-09-18T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/top-3-money-mistakes/ https://i.ytimg.com/vi/q3AH26esNns/hqdefault.jpg Top 3 Money Mistakes in Your 20's & 30's Your 20s and 30s are the decades where small financial decisions can make a huge impact on your future wealth. Partner and Wealth Advisor Shane breaks down the three most common mistakes he sees people make, and how you can avoid them. https://www.youtube.com/embed/q3AH26esNns 2025-09-02T09:00:00-04:00 no https://clearmind-capital.com/clarity-corner/giving-with-a-warm-hand-vs-a-cold-hand/ https://i.ytimg.com/vi/_NGBgYoacjs/hqdefault.jpg Giving With a Warm Hand vs a Cold Hand Giving with a warm hand means giving while you are alive to see it. That changes more than the timing. https://www.youtube.com/embed/_NGBgYoacjs 2025-08-19T09:00:00-04:00 no