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      <video:description>Mike and Jess make over $500,000 a year. They have no financial system. This video is about the foundation — what it looks like, what it costs you to not have it, and how to build it.</video:description>
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      <video:title>Collecting dividends @ 25 feels responsible but is it the right move?</video:title>
      <video:description>Collecting dividends @ 25 feels responsible but is it the right move?</video:description>
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  <url><loc>https://clearmind-capital.com/clarity-corner/new-video-on-dividends</loc>
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      <video:title>New Video on Dividends</video:title>
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  <url><loc>https://clearmind-capital.com/clarity-corner/what-you-need-to-know-about-dividends</loc>
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      <video:title>What You Need to Know About Dividends</video:title>
      <video:description>Dividends are one of the most misunderstood concepts in investing.</video:description>
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      <video:publication_date>2026-06-23</video:publication_date>
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  <url><loc>https://clearmind-capital.com/clarity-corner/would-you-want-this-from-your-financial-advisor</loc>
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      <video:title>Would You Want This From Your Financial Advisor?</video:title>
      <video:description>In this video 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&#x27;re going, and why.</video:description>
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  <url><loc>https://clearmind-capital.com/clarity-corner/markets-at-an-all-time-high-our-mood-is-at-an-all-time-low-what-gives</loc>
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      <video:title>Market’s at an all-time high. Our mood is at an all-time low. What gives?</video:title>
      <video:description>Market’s at an all-time high. Our mood is at an all-time low. What gives?</video:description>
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  <url><loc>https://clearmind-capital.com/clarity-corner/why-do-people-who-can-already-afford-to-retire-keep-working</loc>
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      <video:title>Why do people who can already afford to retire keep working?</video:title>
      <video:description>Why do people who can already afford to retire keep working?</video:description>
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  <url><loc>https://clearmind-capital.com/clarity-corner/are-you-working-longer-than-you-need-to</loc>
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      <video:title>Are You Working Longer Than You Need To?</video:title>
      <video:description>A lot of people delay retirement because of fear, not money. They&#x27;ve just never had someone walk them through what&#x27;s possible.</video:description>
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  <url><loc>https://clearmind-capital.com/clarity-corner/appreciated-stock-dafs-and-qcds-explained</loc>
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      <video:title>Appreciated Stock, DAFs, and QCDs Explained</video:title>
      <video:description>Most people give to charity the same way their parents did. Write a check, send it off, feel good, move on. Nothing wrong with that. But if you&#x27;ve been investing for a while, there&#x27;s probably a smarter way to give the same amount and keep more money out of Uncle Sam&#x27;s hands.</video:description>
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      <video:publication_date>2026-04-22</video:publication_date>
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  <url><loc>https://clearmind-capital.com/clarity-corner/donating-cash-vs-appreciated-stock</loc>
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      <video:title>Donating Cash vs. Appreciated Stock</video:title>
      <video:description>Donating Cash vs. Appreciated Stock</video:description>
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  <url><loc>https://clearmind-capital.com/clarity-corner/do-you-make-too-much-money-for-a-roth-ira</loc>
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      <video:title>Do you make too much money for a Roth IRA?</video:title>
      <video:description>Do you make too much money for a Roth IRA?</video:description>
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      <video:publication_date>2026-04-16</video:publication_date>
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  <url><loc>https://clearmind-capital.com/clarity-corner/how-much-cash-should-you-keep-in-retirement</loc>
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      <video:title>How Much Cash Should You Keep in Retirement?</video:title>
      <video:description>In this video, I walk through a simple framework for thinking about cash in retirement and how an Income Reserve can fit into the plan.</video:description>
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      <video:publication_date>2026-03-26</video:publication_date>
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  <url><loc>https://clearmind-capital.com/clarity-corner/how-past-money-experiences-can-shape-decisions-today</loc>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/6dUaLwBDksI/hqdefault.jpg</video:thumbnail_loc>
      <video:title>How past money experiences can shape decisions today</video:title>
      <video:description>How past money experiences can shape decisions today</video:description>
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      <video:publication_date>2026-03-25</video:publication_date>
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  <url><loc>https://clearmind-capital.com/clarity-corner/how-other-people-shape-your-financial-life</loc>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/Qx3IpZxRm6A/hqdefault.jpg</video:thumbnail_loc>
      <video:title>How Other People Shape Your Financial Life</video:title>
      <video:description>How Other People Shape Your Financial Life</video:description>
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      <video:publication_date>2026-03-19</video:publication_date>
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  <url><loc>https://clearmind-capital.com/clarity-corner/3-medicare-decisions-that-can-cost-you-thousands-explained-simply</loc>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/RK85xDr7ryw/hqdefault.jpg</video:thumbnail_loc>
      <video:title>3 Medicare Decisions That Can Cost You Thousands</video:title>
      <video:description>Medicare can get confusing fast. And if you’re getting close to 65, this stuff matters. Here are 3 Medicare decisions to understand early.</video:description>
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      <video:publication_date>2026-03-18</video:publication_date>
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  <url><loc>https://clearmind-capital.com/clarity-corner/why-you-always-feel-behind-even-when-youre-doing-fine</loc>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/5FYMo4mcDoc/hqdefault.jpg</video:thumbnail_loc>
      <video:title>Why You Always Feel Behind (Even When You&#x27;re Doing Fine)</video:title>
      <video:description>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.</video:description>
      <video:player_loc>https://www.youtube.com/embed/5FYMo4mcDoc</video:player_loc>
      <video:publication_date>2026-03-12</video:publication_date>
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  <url><loc>https://clearmind-capital.com/clarity-corner/what-a-trust-actually-is-and-what-one-looks-like</loc>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/nsNuIlsFkAI/hqdefault.jpg</video:thumbnail_loc>
      <video:title>What a Trust Actually Is (And What One Looks Like)</video:title>
      <video:description>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.</video:description>
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      <video:publication_date>2026-03-05</video:publication_date>
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  <url><loc>https://clearmind-capital.com/clarity-corner/trump-accounts-explained-what-parents-need-to-know</loc>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/jOipRJexZEw/hqdefault.jpg</video:thumbnail_loc>
      <video:title>Trump Accounts Explained: What Parents Need to Know</video:title>
      <video:description>You may have recently 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.</video:description>
      <video:player_loc>https://www.youtube.com/embed/jOipRJexZEw</video:player_loc>
      <video:publication_date>2026-02-25</video:publication_date>
      <video:live>no</video:live>
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  <url><loc>https://clearmind-capital.com/clarity-corner/the-feeling-behind-every-financial-decision</loc>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/ACCLAIS_5pY/hqdefault.jpg</video:thumbnail_loc>
      <video:title>The Feeling Behind Every Financial Decision</video:title>
      <video:description>Most financial advice focuses on numbers... returns, accounts, and strategies. But real financial decisions rarely happen in a spreadsheet.</video:description>
      <video:player_loc>https://www.youtube.com/embed/ACCLAIS_5pY</video:player_loc>
      <video:publication_date>2026-02-18</video:publication_date>
      <video:live>no</video:live>
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  <url><loc>https://clearmind-capital.com/clarity-corner/if-you-have-a-pension-this-changes-retirement</loc>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/vSACdrTcry4/hqdefault.jpg</video:thumbnail_loc>
      <video:title>If You Have a Pension, This Changes Retirement</video:title>
      <video:description>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.</video:description>
      <video:player_loc>https://www.youtube.com/embed/vSACdrTcry4</video:player_loc>
      <video:publication_date>2026-02-03</video:publication_date>
      <video:live>no</video:live>
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  </url>
  <url><loc>https://clearmind-capital.com/clarity-corner/the-chart-every-investor-should-understand</loc>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/LtvHfnkhS3M/hqdefault.jpg</video:thumbnail_loc>
      <video:title>The Chart Every Investor Should Understand</video:title>
      <video:description>This video walks through a simple visual often referred to as the asset quilt.</video:description>
      <video:player_loc>https://www.youtube.com/embed/LtvHfnkhS3M</video:player_loc>
      <video:publication_date>2026-01-21</video:publication_date>
      <video:live>no</video:live>
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  </url>
  <url><loc>https://clearmind-capital.com/clarity-corner/how-social-security-is-taxed-and-why-it-changes-from-year-to-year</loc>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/egYcqwyLVMo/hqdefault.jpg</video:thumbnail_loc>
      <video:title>How Social Security Is Taxed (And Why It Changes From Year to Year)</video:title>
      <video:description>Social Security taxation is one of the most misunderstood parts of retirement planning...and to be fair, it is confusing.</video:description>
      <video:player_loc>https://www.youtube.com/embed/egYcqwyLVMo</video:player_loc>
      <video:publication_date>2026-01-14</video:publication_date>
      <video:live>no</video:live>
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  </url>
  <url><loc>https://clearmind-capital.com/clarity-corner/thanks-for-following-along</loc>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/k7xQNEXOnZ8/hqdefault.jpg</video:thumbnail_loc>
      <video:title>Thanks for following along</video:title>
      <video:description>Thanks for following along</video:description>
      <video:player_loc>https://www.youtube.com/embed/k7xQNEXOnZ8</video:player_loc>
      <video:publication_date>2026-01-09</video:publication_date>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url><loc>https://clearmind-capital.com/clarity-corner/new-year-new-updates</loc>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/51-vbAp0w78/hqdefault.jpg</video:thumbnail_loc>
      <video:title>New year, new updates!</video:title>
      <video:description>New year, new updates!</video:description>
      <video:player_loc>https://www.youtube.com/embed/51-vbAp0w78</video:player_loc>
      <video:publication_date>2026-01-06</video:publication_date>
      <video:live>no</video:live>
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  <url><loc>https://clearmind-capital.com/clarity-corner/2026-money-updates-you-should-actually-know</loc>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/-O47IswqZEY/hqdefault.jpg</video:thumbnail_loc>
      <video:title>2026 Money Updates You Should Actually Know</video:title>
      <video:description>It’s officially 2026, and a few important financial rules and limits have changed.</video:description>
      <video:player_loc>https://www.youtube.com/embed/-O47IswqZEY</video:player_loc>
      <video:publication_date>2026-01-05</video:publication_date>
      <video:live>no</video:live>
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  <url><loc>https://clearmind-capital.com/clarity-corner/ive-saved-about-dollar1-millionam-i-ready-to-retire</loc>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/2jA22ic-mgM/hqdefault.jpg</video:thumbnail_loc>
      <video:title>I&#x27;ve Saved About $1 Million...Am I Ready to Retire?</video:title>
      <video:description>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.</video:description>
      <video:player_loc>https://www.youtube.com/embed/2jA22ic-mgM</video:player_loc>
      <video:publication_date>2025-12-31</video:publication_date>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url><loc>https://clearmind-capital.com/clarity-corner/when-is-a-roth-conversion-a-good-idea</loc>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/Uv2qGEPjNIQ/hqdefault.jpg</video:thumbnail_loc>
      <video:title>When Is a Roth Conversion a Good Idea?</video:title>
      <video:description>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 instead of reducing them. Done at the right time, they can save you thousands, sometimes HUNDREDS of thousands of dollars.</video:description>
      <video:player_loc>https://www.youtube.com/embed/Uv2qGEPjNIQ</video:player_loc>
      <video:publication_date>2025-12-18</video:publication_date>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url><loc>https://clearmind-capital.com/clarity-corner/account-types-vs-investments</loc>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/qpKUnJpMdFo/hqdefault.jpg</video:thumbnail_loc>
      <video:title>Account Types vs Investments</video:title>
      <video:description>Account Types vs Investments</video:description>
      <video:player_loc>https://www.youtube.com/embed/qpKUnJpMdFo</video:player_loc>
      <video:publication_date>2025-12-03</video:publication_date>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url><loc>https://clearmind-capital.com/clarity-corner/save-smart-in-your-20s</loc>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/UwBRJJy-JIQ/hqdefault.jpg</video:thumbnail_loc>
      <video:title>Save Smart in Your 20&#x27;s</video:title>
      <video:description>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.</video:description>
      <video:player_loc>https://www.youtube.com/embed/UwBRJJy-JIQ</video:player_loc>
      <video:publication_date>2025-12-03</video:publication_date>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url><loc>https://clearmind-capital.com/clarity-corner/3-types-of-investors-which-one-are-you</loc>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/NsJSsyCHIMw/hqdefault.jpg</video:thumbnail_loc>
      <video:title>3 Types of Investors (Which One Are You?)</video:title>
      <video:description>Many people invest without realizing they’re playing a completely different game than the person they’re comparing themselves to.</video:description>
      <video:player_loc>https://www.youtube.com/embed/NsJSsyCHIMw</video:player_loc>
      <video:publication_date>2025-11-19</video:publication_date>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url><loc>https://clearmind-capital.com/clarity-corner/will-social-security-run-out-the-2025-reality-check</loc>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/eD2oRoJLUEk/hqdefault.jpg</video:thumbnail_loc>
      <video:title>Will Social Security Run Out? The 2025 Reality Check</video:title>
      <video:description>We’ve all heard the rumors — “Social Security is running out.” But how true is that, really?</video:description>
      <video:player_loc>https://www.youtube.com/embed/eD2oRoJLUEk</video:player_loc>
      <video:publication_date>2025-10-22</video:publication_date>
      <video:live>no</video:live>
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  </url>
  <url><loc>https://clearmind-capital.com/clarity-corner/how-much-is-enough</loc>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/OvwS6midQ0I/hqdefault.jpg</video:thumbnail_loc>
      <video:title>How much is enough?</video:title>
      <video:description>How much is enough?</video:description>
      <video:player_loc>https://www.youtube.com/embed/OvwS6midQ0I</video:player_loc>
      <video:publication_date>2025-10-18</video:publication_date>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url><loc>https://clearmind-capital.com/clarity-corner/an-excerpt-from-the-tail-end-by-tim-urban</loc>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/ANyA9dPS1B4/hqdefault.jpg</video:thumbnail_loc>
      <video:title>An excerpt from The Tail End by Tim Urban</video:title>
      <video:description>An excerpt from The Tail End by Tim Urban</video:description>
      <video:player_loc>https://www.youtube.com/embed/ANyA9dPS1B4</video:player_loc>
      <video:publication_date>2025-10-08</video:publication_date>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url><loc>https://clearmind-capital.com/clarity-corner/building-a-diversified-portfolio</loc>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/a1Ddr5LLu18/hqdefault.jpg</video:thumbnail_loc>
      <video:title>Building a Diversified Portfolio</video:title>
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      <video:description>Your 20s and 30s are the decades where small financial decisions can make a huge impact on your future wealth. In this video, Partner &amp; Wealth Advisor, Shane, breaks down the 3 most common mistakes he see&#x27;s people make—and how you can avoid them</video:description>
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  <url><loc>https://clearmind-capital.com/clarity-corner/giving-with-a-warm-hand-vs-a-cold-hand</loc>
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      <video:title>Welcome to ClearMind Capital</video:title>
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