#  @cavinesswealth David Caviness, CFPĀ® David Caviness, CFPĀ® posts on YouTube about david, retirement, financial, retire the most. They currently have [-----] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours. ### Engagements: [------] [#](/creator/youtube::UC8cBlkvzL6VsiQLM4gRC_Dg/interactions)  - [--] Week [------] +6.10% - [--] Month [-------] -47% - [--] Months [-------] +8,594% - [--] Year [-------] +60,009% ### Mentions: [--] [#](/creator/youtube::UC8cBlkvzL6VsiQLM4gRC_Dg/posts_active)  - [--] Months [--] -36% - [--] Year [--] +1,200% ### Followers: [-----] [#](/creator/youtube::UC8cBlkvzL6VsiQLM4gRC_Dg/followers)  - [--] Week [-----] +4.30% - [--] Month [-----] +15% - [--] Months [-----] +544% - [--] Year [-----] +1,026% ### CreatorRank: [-------] [#](/creator/youtube::UC8cBlkvzL6VsiQLM4gRC_Dg/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [social networks](/list/social-networks) [technology brands](/list/technology-brands) [automotive brands](/list/automotive-brands) **Social topic influence** [david](/topic/david) #2345, [retirement](/topic/retirement) #238, [financial](/topic/financial), [retire](/topic/retire), [investment](/topic/investment), [money](/topic/money), [social](/topic/social), [social security](/topic/social-security) #66, [advice](/topic/advice), [finance](/topic/finance) **Top accounts mentioned or mentioned by** [@cavinesswealthsubconfirmation1](/creator/undefined) [@cavinesswealthcom](/creator/undefined) ### Top Social Posts Top posts by engagements in the last [--] hours "Pension vs 401k vs Social Security: Which Should You Take First You could pull $20000 from your retirement account and accidentally create $37000 of taxable income. Sounds impossible but it happens all the timeand most retirees dont realize it until the IRS bill shows up. In this video I break down why the order you take income in retirement matters more than the amount you saved and how claiming Social Security pension income and 401(k) withdrawals in the wrong sequence can trigger hidden tax traps like the Social Security tax torpedo Medicare IRMAA surcharges and extra investment taxes." [YouTube Link](https://youtube.com/watch?v=QpekbmS3bJY) 2026-02-13T23:45Z [----] followers, [---] engagements "Retiring With Pension & Social Security - [--] Things You NEED to Know If youre retiring with both a pension and Social Security youve got one of the strongest foundations in retirementbut most people still make three major mistakes that shrink their income over time. In this video we break down the key things to know about income vs. expenses inflation risk and why most retirees underestimate their real spending plus a bonus mistake almost no one checks until its too late. If youre within [----] years of retirement now is the time to get clarity. #retirementplanning #pension #socialsecurity" [YouTube Link](https://youtube.com/watch?v=gTF9LWGmtBc) 2025-12-29T20:46Z [----] followers, 194.7K engagements "Why Having a Pension in Retirement Changes EVERYTHING Do you ever feel like retirement planning always comes down to one formula: save in a 401(k) add Social Security and hope its enough That works for many peoplebut not if you have a pension. A pension changes everything: how much you need to save when you can retire how you invest and even whether you need to keep working at all. In this video Ill break down why a pension transforms retirement planning and the three strategies every pension holder needs to get right: How pensions reduce the amount you actually need to save. Why a pension" [YouTube Link](https://youtube.com/watch?v=h7t2FKd4It4) 2025-09-05T22:00Z [----] followers, 645.9K engagements "The Hidden Social Security Math No One Explains to Retirees Most retirees dont realize this but the Social Security break-even age calculators you see online are misleading you and in many cases flat-out lying. In this video I reveal the hidden math behind claiming at [--] vs. [--] and show why the traditional advice to always wait until [--] is often financially devastating. Once you factor in the time value of money portfolio growth real-life longevity odds and sequence of returns risk the true break-even age jumps into the late 80s or even mid-90s meaning 95% of retirees will never actually" [YouTube Link](https://youtube.com/watch?v=3cDnhJpBywE) 2025-12-19T23:30Z [----] followers, [----] engagements "Can I Retire at [--] Here's What It Takes Wondering if you can walk away from work at [--] In this video I walk through a real-world case study of a couple in their mid-40s aiming to retire in [--] years with $14000/month of income. You'll see how disciplined saving smart investment strategies and intentional planning turned their goal into a realitywith a projected $5.87M in assets and $19500/month in income (before even counting Social Security). š Well cover: How to evaluate if you can retire early The importance of tax diversification Why having a defined income goal matters What a realistic" [YouTube Link](https://youtube.com/watch?v=4440uHKlry4) 2025-08-22T18:04Z [----] followers, [---] engagements "What No One Tells You About Early Retirement [--] Secrets You Need to Know Before Retiring Early Everyone talks about how to retire early but no one talks about what happens after you do. In this video Certified Financial Planner David Caviness reveals seven powerful truths about early retirement that most people never hear until its too late. From the emotional shock of losing your identity and structure to the challenge of shifting from saving to spending and even how early retirement can impact your relationships and sense of purpose this video breaks down the real-life side of financial" [YouTube Link](https://youtube.com/watch?v=6M51DL7MrRc) 2025-11-28T23:00Z [----] followers, [---] engagements "How to Retire at 62: You Must Know THESE NUMBERS What if youre [----] months from retiring at [--] but arent sure if your numbers truly work In this video I'll walk through a real case studyErin age 61showing how to map income needs model expenses plan withdrawals and project portfolio growth from [--] through age [--]. Youll see exactly how $1.3M across accounts $72K annual spending and a $28K Social Security benefit play out over time how inflation changes the picture and why a steady drawdown can be a sign of a healthy plan. Ill also compare retiring at [--] vs. working part-time and delaying Social" [YouTube Link](https://youtube.com/watch?v=8JcEQNfj6es) 2025-10-29T17:56Z [----] followers, [---] engagements "Shocking Retirement Stats You Have to See to Believe Theres a retirement stat out there that completely changes how you think about what enough really means and in this video Certified Financial Planner David Caviness breaks it all down. Youll see the real numbers behind how much Americans actually have saved why so many fall short and what separates those who retire confidently from those who struggle. From inflation and taxes to income gaps and financial habits David reveals the truth behind the million-dollar myth and the behavioral traits that build lasting wealth. Plus he shares a 4-step" [YouTube Link](https://youtube.com/watch?v=BkfDsE4wyX0) 2025-11-14T23:00Z [----] followers, [---] engagements "The Hidden Retirement Traps Waiting at [--] (And How to Avoid Them) Turning [--] might feel like just another birthday but financially its one of the most critical milestones of your entire life. In this video Certified Financial Planner David Caviness breaks down the key decisions youll face at this age from when to claim Social Security to how to withdraw your savings and handle health insurance and how getting them wrong could cost you tens of thousands of dollars over time. Youll learn about the hidden traps most people dont see coming why some choices at [--] cant be undone and the smartest" [YouTube Link](https://youtube.com/watch?v=CGU2jZdw0II) 2025-11-21T23:00Z [----] followers, [----] engagements "Retire TODAY If You Answer "YES" to All [--] Questions Ever catch yourself wondering Why am I still working In this video Certified Financial Planner David Caviness walks you through six powerful questions that can help reveal if youre truly ready to retire right now. From assessing your health family priorities and sense of purpose to evaluating whether your finances can support the lifestyle you want this isnt just about moneyits about timing and confidence. Youll learn how to break free from the one more year mindset balance todays life with tomorrows security and finally decide if its time" [YouTube Link](https://youtube.com/watch?v=I4unCJ2npuU) 2025-11-07T23:00Z [----] followers, 10.3K engagements "Sell These [--] Things BEFORE You Retire Retirement isnt about giving things up its about clearing space for what actually matters. In this video we walk through the hidden costs of owning too much the real tradeoffs of management-heavy real estate the danger of over-supporting adult children and a simple framework to decide what to let go of before retirement. The goal isnt deprivation. Its freedom flexibility and protecting your healthiest years. #RetirementPlanning #RetirementLifestyle #FinancialFreedom #Downsizing #RetirementMindset #LifeAfterWork #RetirementDecisions #WealthPlanning" [YouTube Link](https://youtube.com/watch?v=K5CH4o4qVpE) 2026-01-23T23:30Z [----] followers, [---] engagements "TOP Overlooked Retirement Mistakes from Caviness Wealth Management #retirementplanning #retirementincome #retirementideas Think retirement is about hitting a magic number Just building up a nest egg Think again. A retirement plan that only revolves around an account balance is incomplete. And unclear retirement goals can lead to financial strain. There is so much more to consider. Watch this video to learn all the things you should be considering BEFORE taking the leap into retirement so you can enjoy your golden years without undue stress. Please visit my website to get more information:" [YouTube Link](https://youtube.com/watch?v=TcbW6YzP0pM) 2025-02-22T14:17Z [---] followers, [--] engagements "What To Do With 401k Money at Retirement Most retirees overlook one powerful opportunity hiding inside their 401(k): after-tax dollars. In this video we break down how after-tax 401(k) money can often be rolled into a Roth IRA why this strategy can be one of the cleanest ways to build tax-free income later in life and how thinking of your IRA as a retirement operating system can completely change how your money works for you. If youre approaching retirement this is a decision you dont want to rush. #RetirementPlanning #401k #RothIRA #IRArollover #TaxPlanning #AfterTax401k #RetirementIncome" [YouTube Link](https://youtube.com/watch?v=Uhrw9d_tANA) 2026-01-13T11:37Z [----] followers, [---] engagements "The PROVEN STRATEGY to Minimize Taxes in Retirement Most retirees are quietly handing over tens of thousands of dollars to the IRS every single year and they dont even realize it. In fact the difference between the average retiree and the smart retiree can be so dramatic that it honestly feels like cheating. While many people pay 20%-30% of their retirement income in taxes unnecessarily those who know the right strategies often cut that bill in half or more. The scary part These hidden taxes hit hardest in retirement when you can least afford them. In todays video Im exposing the traps that" [YouTube Link](https://youtube.com/watch?v=cf-_5cEEhW0) 2025-10-17T16:59Z [----] followers, 30.3K engagements "The $10K Mistake You Cant Afford to Make in Retirement Think youll need the same monthly income in retirement as you do today Think again. If youre comfortable living on $10000 a month now a 3% annual inflation rate means youll need $18000 per month in future dollars just to maintain the same lifestyle. Thats a huge gapand one of the biggest reasons you need a strategy that plans for the future not just today. šŗ Check out the full video here: https://www.youtube.com/watchv=z2-IpcUSKHM #RetirementPlanning #Inflation #FinancialFreedom Please visit my website to get more information:" [YouTube Link](https://youtube.com/watch?v=il43PrtpcmI) 2025-02-01T14:54Z [----] followers, [---] engagements "My Honest Advice To Anyone Working Past [--] Most people dont realize it but the years between [--] and [--] are the most dangerous decade of your financial lifenot because of money but because of time. This video breaks down why these years matter so much the regret pattern financial advisors see all the time and how to balance financial enough with actually living your life while you still have the health energy and freedom to enjoy it. If youre working past [--] this is the message you need before another year slips by. #retirementplanning #financialindependence #workoptional #lifeafter55" [YouTube Link](https://youtube.com/watch?v=qxiEOans81U) 2026-01-09T21:30Z [----] followers, [---] engagements "What Month SHOULD YOU Retire Get the Timing Right When should you retire Its one of the most important financial decisions youll ever make and getting it wrong could quietly cost you tens of thousands of dollars. In this video we break down how to pick the right retirement date by aligning your taxes Medicare Social Security and investment timing. Youll learn why retiring at the end of the year could trigger a surprise tax avalanche the smartest months to retire how key ages like [--] [--] and [--] can change everything and the most common mistakes people make when picking their date. Dont guess" [YouTube Link](https://youtube.com/watch?v=vGhqnQlcN_c) 2025-10-22T03:23Z [----] followers, [----] engagements "The Importance of Diversified Investment Accounts So often we're solely focused on the investments but shouldn't lose sight and long term impact of the accounts these investments are in #short #financialplanning #investing" [YouTube Link](https://youtube.com/watch?v=0u7HW_OIsnw) 2023-03-23T23:59Z [----] followers, [---] engagements "Retirees Have NO CLUE This Tax Strategy Exists Most retirees have no idea they can legally earn up to $126000 of total income in [----] and pay zero federal tax on long-term capital gains but this strategy is one of the biggest tax opportunities in early retirement. In this video I break down how the 0% capital gains bracket works for both singles and married couples how the standard deduction boosts your tax-free limit and a real case study of a retired couple generating $252000 of income completely tax-free. We walk step-by-step through cost-basis resets tax-gain harvesting and how to combine" [YouTube Link](https://youtube.com/watch?v=4WGyohmyllA) 2025-12-12T00:06Z [----] followers, [----] engagements "Retire at [--] Shocking Average Savings vs. The REAL Number You Need If youve ever wondered how much you actually need to retire at [--] this video will completely shift the way you think about retirement. Right now nearly half of Americans believe theyll never save enough but the real problem isnt their savings its the outdated benchmarks and one-size-fits-all formulas that create unnecessary fear. In this breakdown we unpack why the popular 8x rule can force you to work years longer than needed how real retirement spending follows a natural curve and why factoring in Social Security" [YouTube Link](https://youtube.com/watch?v=K5nQU_uNb2Y) 2025-12-04T15:20Z [----] followers, [---] engagements "5 Years From Retirement Do These [--] Things Now Two people can hit retirement with the same income and savings but five years later one feels confident and free while the other is stressed and second-guessing every purchase. Thats because the final [--] years before retirement is the retirement red zone where small mistakes become permanent. In this video I break down the [--] most important moves you need to make before you retiresaving aggressively building an income plan protecting against market volatility optimizing taxes and designing a lifestyle you actually want. And pay close attention to" [YouTube Link](https://youtube.com/watch?v=nR6cpRh3Pns) 2026-02-04T18:06Z [----] followers, 16.7K engagements "Worried About Retiring in a Volatile Market Watch This First. #retirement #marketanalysis #marketnews Concerned about the market's ups and downs this year Wondering if you're going to be ok Market volatility can trigger doubteven with a solid plan. That's why it's important to "stress test" your retirement portfolio or even get a second opinion on your retirement plan. Hi I'm David Caviness CERTIFIED FINANCIAL PLANNER and in this video I share the real life story of Nick and Sarahtwo successful professionals in their 50s wondering if they could confidently retire early despite recent market" [YouTube Link](https://youtube.com/watch?v=8_RvydnnDW8) 2025-04-19T12:25Z [----] followers, [---] engagements "Mastering the Art of Juggling Life: A Financial Planner's Guide Do you ever feel like there's just never enough time to juggle everything Between your career family obligations and personal goals it can feel overwhelming. If this resonates with you you're not alone. Many people find themselves in the same boat trying to balance various aspects of life while managing financial stress. Watch this video to learn how I help you remove the financial weight weighing you down so you can experience life to your fullest. Please visit my website to get more information: https://cavinesswealth.com/ š' " [YouTube Link](https://youtube.com/watch?v=96XlgwXb3DQ) 2025-03-15T12:33Z [----] followers, [--] engagements "Is the short path worth the financial risk What's the fastest way to get from Point A to Point B in your financial life My wife a geometry teacher will tell you it's a straight line. But a straight line isn't always the fastest or best way to get there. There are other factors you have to consider if you want to retire early or buy that vacation home. Plus what happens when you encounter obstacles along the way Don't rely on the latest trend to hang your future hat on. Stop to consider the risk. There is a point in your financial life where the return on your effort diminishes and the risk" [YouTube Link](https://youtube.com/watch?v=Sm3bPPcKggs) 2025-03-08T13:25Z [----] followers, [--] engagements "Four Things to Consider When Maxing Out Your 401K #401k #investing #retirement" [YouTube Link](https://youtube.com/watch?v=XxslkLN2qKY) 2023-11-13T20:00Z [----] followers, [---] engagements "The ROTH Conversion TRAP That Destroyed $1M in Tax-Free Wealth Roth conversions arent about chasing the lowest tax bracket theyre about timing tradeoffs and long-term compounding. In this video we break down the biggest Roth conversion trap why waiting can quietly cost you years of tax-free growth and how paying conversion taxes the right way can dramatically change the outcome. This is about comparing todays known tax rate to tomorrows unknown one and getting the timing right. #RothConversion #RetirementPlanning #TaxPlanning #RothIRA #FinancialPlanning #RetirementTaxes #WealthStrategy" [YouTube Link](https://youtube.com/watch?v=q-wOSYCrmnM) 2026-01-30T23:30Z [----] followers, [---] engagements "Retiring Under TRS Dont Fall for the Rule of [--] Myth If youre a Texas educator planning your retirement youve probably heard about the Rule of [--]. Heres the thing: its one of the most common myths I hearand its tripping people up. In this video I break down the truth about the Teacher Retirement System (TRS) rules what the Rule of [--] actually means for your retirement eligibility and where the confusion around the Rule of [--] really comes from. Ill cover: - What the Rule of [--] is (and why its still the standard for retirement) - Why the Rule of [--] only applies to a specific option: the Partial" [YouTube Link](https://youtube.com/watch?v=G5zu-QDvzMU) 2025-07-29T17:15Z [----] followers, [----] engagements "Teachers: When Am I Eligible to Retire TRS Rule of [--] We work with many great clients in the education system and one of the most common questions is: "When can I retire" In this short video I explain when teachers and those in the education system are eligible to retire also debunking the misconception of the Rule of [--] and finally we discuss the difference between when you CAN retire and when you SHOULD retire. If you work in the education system and could use the help of a financial professional please don't hesitate to reach out I work with many of your contemporaries. -- Subscribe:" [YouTube Link](https://youtube.com/watch?v=zT0-zFC-My8) 2023-08-28T13:14Z [----] followers, [----] engagements ""How Much Do I Need to Retire Early" [--] Steps to Find Your Early Retirement Number If you're a high earner considering early retirement you've likely pondered the crucial question: how much do I actually need to retire With countless opinions available online including the [--] times rule and the 4% rule it can be overwhelming. This video simplifies the process into three actionable steps to help you determine your personal retirement number tailored to your unique lifestyle and financial situation. Please visit my website to get more information: https://cavinesswealth.com/ š' ." [YouTube Link](https://youtube.com/watch?v=-XyVr_Encps) 2025-05-17T12:25Z [----] followers, [--] engagements "What's Going on With the Stock Market Walk & Talk I was recently asked by a friend: "David how's business and what's going on with the stock market" My quick answer: It depends on your perspective. If you don't have a financial advisor and could use help please reach out to me I am currently taking on new clients. Walk & Talk š„ -- Subscribe: https://www.youtube.com/channel/UC8cBlkvzL6VsiQLM4gRC_Dg -- David Caviness CFP on: LinkedIn: https://www.linkedin.com/in/dcaviness/ Twitter: https://twitter.com/CavinessWealth Website: https://cavinesswealth.com/ Thanks for watching #financialplanning" [YouTube Link](https://youtube.com/watch?v=07rRM0FElEs) 2023-10-11T15:21Z [--] followers, [--] engagements "Staying Healthy: The Financial Impact of Poor Health Poor health is one of the biggest threats to your financial plan. Many individuals may not realize that their health can have a profound impact on their financial stability especially as they age. Throughout my career as a financial advisor I have encountered numerous clients with strong investment portfolios. However many of these clients faced significant financial challenges later in life due to health-related expenses. Contrary to popular belief their largest expenditures were not on travel or luxury items but rather on healthcare" [YouTube Link](https://youtube.com/watch?v=11OS4I06l44) 2025-06-05T15:53Z [----] followers, [---] engagements "TRUMP'S BIG BEAUTIFUL BILL. What Retirees Need to Know Now. The "One Big Beautiful Bill" is more than a catchy name. It's an 870-page piece of legislation that could have a big impact on your retirement plan - especially if you're already retired or planning to retire in the next decade. As the landscape of retirement planning continues to evolve understanding the implications of this significant legislation is crucial for retirees In this video David Caviness Certified Financial Planner breaks down the [--] key changes retirees need to know and how they affect your taxes Social Security" [YouTube Link](https://youtube.com/watch?v=1UqMRF5FjR4) 2025-08-02T11:00Z [----] followers, [--] engagements "They Had $3M but Felt Stuck Why High Earners Still Feel Broke (And What to Do About It) Youve got the income. The investments. The spreadsheet. So why does it still feel like youre guessing In this video David Caviness CERTIFIED FINANCIAL PLANNER shares why high-achieving professionals often feel stuckeven when everything looks great on paper. From missed opportunities to delayed freedom its not about how much you have. Its about what you do with it. David breaks down: - The illusion of financial security vs. the reality of clarity - Why even $400K earners can feel broke - The hidden cost of" [YouTube Link](https://youtube.com/watch?v=22Ytpcl2BsE) 2025-06-21T12:25Z [----] followers, [---] engagements "Feeling Successful but Financially Scattered Heres Whyand What to Do About It Still feel like you're flying blind when it comes to your finances In your professional career youve done everything rightsolid income growing assets maybe even some equity comp or real estate. But your financial life still feels like a Jenga tower--impressive but unstable. Hi I'm David Caviness CERTIFIED FINANCIAL PLANNER and in this video I break down why so many high-achieving professionals feel overwhelmed by their financial successand what to do about it. Youll learn: - Why complexity without strategy leads to" [YouTube Link](https://youtube.com/watch?v=2NOuYbxJVak) 2025-04-26T12:15Z [----] followers, [--] engagements "The Savings Paradox: Why Retirees Struggle More Than You Think Most people believe the hardest part of retirement is saving enough money but the real challenge begins after you retire. Its called the Savings Paradoxa psychological trap that causes millions of retirees to live far below their means not because theyre broke but because theyre afraid to spend the money theyve worked a lifetime to save. In this video Ill break down what the Savings Paradox is the research that proves its real the myths that keep retirees stuck and the strategies you can use to break free so you can finally enjoy" [YouTube Link](https://youtube.com/watch?v=941y30GU0x0) 2025-10-03T16:12Z [----] followers, [---] engagements "The Ultimate Guide to Sustainable Wealth Management Life doesnt follow a spreadsheetand your financial plan shouldnt either. In this video David Caviness CERTIFIED FINANCIAL PLANNER shares a better way to think about building wealth: one that actually flexes with real life. Because saving blindly and hoping for the best isnt a strategyits a gamble. Youll learn: 1/ Why most traditional financial plans fall short when life throws a curveball 2/ Three pillars of sustainable real-world planning that help you stay on track 3/ Smarter ways to save for retirement fund education protect your family" [YouTube Link](https://youtube.com/watch?v=AmJwecG3QiU) 2025-06-28T12:25Z [----] followers, [---] engagements "What's My Investing Risk Tolerance Ski & Talk I have conversations with new relationships all of the time that are simply "Frustrated." What's common among them is that they never established a real financial plan based on their particular goals and risk tolerance. This results in them frequently jumping in and out the market and looking back at long-term mediocre returns. I hope this video helps explain how I approach this situation. If you don't have a financial advisor and could use help please reach out to me I am currently taking on new clients and would love to meet and see if we're a" [YouTube Link](https://youtube.com/watch?v=AoVv8t-6gFc) 2024-02-21T14:18Z [---] followers, [---] engagements "5 Things You Should Know Before Retirement Early Retirement Regrets When most people picture retirement the dream looks simple: sleeping in traveling the world sipping cocktails on a beach and living stress-free. But the truth is retirement isnt just a date on the calendarits a massive life shift filled with both joys and challenges. Whether youre still planning or already retired this video will help you prepare for the realities beyond the fantasy. Because retirement is about more than moneyits about building a meaningful life today and in the years ahead. #retirementplanning" [YouTube Link](https://youtube.com/watch?v=DzLxfAgGSRc) 2025-09-12T21:00Z [----] followers, [---] engagements "Understanding the Mega Backdoor Roth IRA: Pros Cons and Considerations The Mega Backdoor Roth IRA is a strategy for high-income earners to contribute significantly more to a Roth account beyond standard limits. It can also supercharge your retirement savings and offer more tax-free flexibility. While it offers advantages like increased savings and tax diversification it also has drawbacks such as potential plan restrictions and the need for strong cash flow. Many people hear the term "backdoor Roth" and think it's a must-do strategy. This is simply not true. While it is a powerful tool it" [YouTube Link](https://youtube.com/watch?v=EFfo7Ina_GY) 2025-05-03T12:30Z [----] followers, [---] engagements "Financial Planning in Your 40s: What You Must Know The Truth About Financial Planning in Your 40s: What You Must Know Most people think financial planning is just about saving more. But heres the truth: real financial security comes from flexibility. In todays unpredictable world your financial plan needs to do more than growit needs to adapt. In this new video I break down the [--] essential pillars of a future-ready financial plan: ā Retirement savings strategies that give you options ā How to fund education without sacrificing your future ā Protecting what youve built from lifes curveballs" [YouTube Link](https://youtube.com/watch?v=GODvU3ks650) 2025-06-07T12:30Z [----] followers, [--] engagements "How Can I Invest My Excess Business Cash Small Business Owner I work closely with many successful small business owners and early on I'm often asked: "What are my options with our excess business cash" I hope this is helpful. If you're a small business owner and could use help with your finances and are seeking a financial advisor please do not hesitate to reach out I'm currently working with many of you and I'd be happy to talk. DC -- Subscribe: https://www.youtube.com/channel/UC8cBlkvzL6VsiQLM4gRC_Dg -- David Caviness CFP on: LinkedIn: https://www.linkedin.com/in/dcaviness/ Twitter:" [YouTube Link](https://youtube.com/watch?v=IYhfuhyfVPk) 2023-08-30T14:20Z [---] followers, [--] engagements "Retirement Secrets: Age 60+ Are you standing on the edge of retirement Or already in it And wondering now what The same financial habits that served you indoor 40s or 50s could be holding you back. Find out how to work through retirement successfully in this short-video with my best retirement secrets for individuals and couples over age [--]. Please visit my website to get more information: https://cavinesswealth.com/ š' . https://www.youtube.com/@cavinesswealth/sub_confirmation=1 ā Important Link to Follow š° Newsletter Sign-up: https://cavinesswealth.com/sign-up/ š Stay Connected With" [YouTube Link](https://youtube.com/watch?v=JldNiQtGwKY) 2025-05-10T10:12Z [----] followers, [---] engagements "The #1 Mistake High Achievers Make When Planning Retirement (And How to Avoid It) For years Ive seen successful high-achieving people chase a single magic number for retirement believing that once they hit it theyll finally feel ready. But heres the truth: that number doesnt exist. In this video I share the story of one client Rob who came to me thinking he just needed to save a little more before he could retire. What he really needed was a plan not a number. Youll learn: ā Why the magic number mindset creates stress and false confidence ā What retirement actually costs (hint: it changes" [YouTube Link](https://youtube.com/watch?v=JmUDVbY5Yqc) 2025-07-29T17:29Z [----] followers, [---] engagements "How do you stack up Financial comparison and why it's relative. Do you ever wonder how you stack up financially The truth is that it's all relative. What works for you might not work for other people. Wonder if you need some financial help for your future Comparing to friends and family isn't the way. Let's chat. Please visit my website to get more information: https://cavinesswealth.com/ š' . https://www.youtube.com/@cavinesswealth/sub_confirmation=1 ā Important Link to Follow š° Newsletter Sign-up: https://cavinesswealth.com/sign-up/ š Stay Connected With Me. Facebook:" [YouTube Link](https://youtube.com/watch?v=KljYak0Azu0) 2025-03-29T12:25Z [---] followers, [--] engagements "5 SMART REASONS to File for Social Security at Age [--] When should you turn on Social Security Its one of the most important decisions in retirementand one of the most misunderstood. For years people used the break-even analysis to decide when to file but even the Social Security Administration removed it from their website after realizing it was leading to costly mistakes. In this video well break down why that method fails how factors like life expectancy cost-of-living adjustments (COLA) and spousal benefits can completely change your best strategy and when filing early might actually make" [YouTube Link](https://youtube.com/watch?v=Lq6MVz7xh7c) 2025-10-09T21:14Z [----] followers, [----] engagements "Understanding the Mega Backdoor Roth IRA: A Comprehensive Guide The Mega Backdoor Roth IRA has gained popularity on social media often touted as a financial cheat code for high earners looking to maximize their retirement savings. But what exactly is it and how does it work In this guide we will break down the steps involved in utilizing this strategy its benefits and important considerations to keep in mind. What is the Mega Backdoor Roth IRA The Mega Backdoor Roth IRA is a strategy that allows individuals to contribute more to their Roth IRA than the standard contribution limits. This is" [YouTube Link](https://youtube.com/watch?v=NOamkCZ3LMs) 2025-06-05T15:53Z [----] followers, [----] engagements "Ready to Retire DON'T DO THIS --Insights from a CFP #retirementplanning #retireearly #retirementstrategy How do you know when you're truly ready for retirement Too many people take the advice they hear from friends co-workers or family and that is NOT the way to approach such a major life change like retirement. Watch this video for signs to see if you ARE or ARE NOT truly prepared to retire. š° Subscribe to the Newsletter to stay in touch: https://cavinesswealth.com/sign-up/ Please visit my website to get more information: https://cavinesswealth.com/ š' ." [YouTube Link](https://youtube.com/watch?v=NnTwShuFxpU) 2025-03-01T14:29Z [---] followers, [---] engagements "Afraid to Spend in Retirement Heres How to Do It Right Making the leap from saving to spending in retirement can feel overwhelming. But with the right strategy you can enjoy your retirement without second-guessing every move. In this video I walk through [--] key things to think about when building your withdrawal plan. Caviness Keys: Know your spending needs before you start pulling money out Withdraw in the right order to make your money last Watch your tax bracket to avoid surprises Plan ahead for RMDs so they dont sneak up on you Time Social Security in a way that works for your life Keep" [YouTube Link](https://youtube.com/watch?v=PNn1HUyTKEE) 2025-04-05T12:25Z [---] followers, [--] engagements "Retirement: How Much Should You Have Saved by [--] Are you [--] and wondering if youre on track for #retirement Do you just want someone who can tell you the answer so you can rest easy at night Youre not alone. This is a common feeling especially because the change in your life is so big. But the good news is even if you're 5-10 years away from retirement its not too late to get clear on what you need to do next. Hi I'm David Caviness CERTIFIED FINANCIAL PLANNER and in this video I walk you through how much you should have saved by age [--] why generic rules of thumb can fall short and what really" [YouTube Link](https://youtube.com/watch?v=QLw4iFTKYKo) 2025-04-12T12:20Z [----] followers, [---] engagements "The #1 Mistake High Achievers Make When Planning Retirement (And How to Avoid It) For years Ive seen successful high-achieving people chase a single magic number for retirement believing that once they hit it theyll finally feel ready. But heres the truth: that number doesnt exist. In this video I share the story of one client Rob who came to me thinking he just needed to save a little more before he could retire. What he really needed was a plan not a number. Youll learn: ā Why the magic number mindset creates stress and false confidence ā What retirement actually costs (hint: it changes" [YouTube Link](https://youtube.com/watch?v=Sr7AbWvOWMA) 2025-07-25T12:25Z [---] followers, [---] engagements "Financial Life Need Clarity The Importance of a Strategic Plan In today's fast-paced world many individuals find themselves navigating a complex financial landscape. If your financial life feels like a scattered collection of good decisions without a clear direction it may be time to pause and reassess. The key to achieving financial clarity lies not in adding more complexity but in developing a comprehensive plan. By recognizing the complexity that builds over time and taking proactive steps to create a strategic financial plan you can avoid the chaos that often accompanies disorganized" [YouTube Link](https://youtube.com/watch?v=UcDIixqQfmk) 2025-06-05T15:53Z [----] followers, [---] engagements "How to Stay Invested During Stock Market Volatility Client Conversations "We couldn't stomach the volatility so we moved to cash." In a recent conversation with a prospective client they revealed to me that their behavior was self sabotaging their own investment portfolio. They were in and out based on the ebb and flow of the news cycle and volatility. If this resonates with you and you could use professional help managing your finances please reach out. Client Conversations š„ -- Subscribe: https://www.youtube.com/channel/UC8cBlkvzL6VsiQLM4gRC_Dg -- David Caviness CFP on: LinkedIn:" [YouTube Link](https://youtube.com/watch?v=VzV5rSzMkDg) 2023-10-23T15:25Z [--] followers, [--] engagements "Why One-Dimensional Financial Plans Fail in a Three-Dimensional World Most people build their financial plan around one ideasaving in a 401(k) minimizing taxes today or trying to guess their retirement number. But in todays world That kind of one-dimensional thinking isnt just outdatedits risky. In this video I break down what it means to have a truly flexible financial planone that adapts to changes in taxes inflation job markets and even emerging tech like AI. Youll learn how to structure your accounts across three core buckets: Pretax (for todays savings) Roth (for tax-free growth" [YouTube Link](https://youtube.com/watch?v=YRstTX5arSU) 2025-08-29T20:10Z [----] followers, [---] engagements "Worried About MoneyEven When You're Doing Fine Heres Why Its Normal Even with a solid income or a comfortable retirement that low-level money anxiety I see it all the timeand Ive felt it myself. In this video I share two real conversations I had recently: one with a retired couple the other with a young entrepreneur. Totally different life stages. Same core worryAm I going to be okay It doesnt matter how much youve saved or how well your investments are doingif you dont have a clear adaptable plan that uneasiness never really goes away. Heres what I break down: - Why financial worry is more" [YouTube Link](https://youtube.com/watch?v=ZihZrnS83-4) 2025-07-05T12:15Z [----] followers, [--] engagements "Four Thousand Six Hundred Fifty-Three There are Four Thousand Six Hundred Fifty-Three days from the 1st day of school until the last. And a lot of time in between. Today we stroll through memory lane. -------- š' . https://www.youtube.com/@cavinesswealth/sub_confirmation=1 ā Important Link to Follow š° Newsletter Sign-up: https://cavinesswealth.com/sign-up/ š Stay Connected With Me. Facebook: https://www.facebook.com/CavinessWealthManagement# Twitter (X): https://twitter.com/CavinessWealth Linkedin: https://www.linkedin.com/company/caviness-wealth-management-llc/ Website:" [YouTube Link](https://youtube.com/watch?v=_Pxdt8ksrB0) 2025-05-24T13:14Z [----] followers, [---] engagements "Don't Miss This Costly Financial Mistake The Costly Financial Mistake Couples Make Without Realizing It Theres one financial blind spot I see all the timeand its quietly costing couples thousands each year. When one spouse earns significantly more the other often gets overlooked in the savings strategy. That means: +Missed tax advantages +Underutilized retirement accounts +Inefficient planning that quietly bleeds money +The worst part Its completely avoidable. In this video Ill walk you through how couples unintentionally leave money on the tableand what to do instead to build a more" [YouTube Link](https://youtube.com/watch?v=_l5l6574kdM) 2025-06-14T13:31Z [----] followers, [---] engagements "CERTIFIED FINANCIAL PLANNER Reveals Secrets to Hitting Financial Goals in [----] David Caviness Take control of your financial life: https://go.oncehub.com/dcaviness As we approach a new year and a fresh start it's common to set ambitious financial resolutions. But heres the truth: most of these goals dont last beyond February. Why š The Challenge: Resolutions often fail because they lack a detailed plan. Without clear guidance its easy to lose motivation. š” Heres How I Can Help You Succeed: 1/ Set SMART Goals: Together well create goals that are Specific Measurable Achievable Relevant and" [YouTube Link](https://youtube.com/watch?v=_wkQ59FpQyg) 2024-12-28T13:29Z [---] followers, [---] engagements "How the Wealthy Actually Win (And Why Its Simpler Than You Think) Everyones chasing the next big thing the hot stock the secret hack the shortcut to wealth. But heres the truth: š Wealth is built on execution not gimmicks. In this video I share: ā The biggest wealth-building myth most people believe ā The [--] levels of execution you actually need ā Why the wealthy keep winning even when life throws curveballs If youre tired of chasing and ready to start doing what actually works watch this. š Chapters: 00:00 The real hack to building wealth 00:18 What football taught me about money 01:00 Stop" [YouTube Link](https://youtube.com/watch?v=dRkbAGUStMs) 2025-07-19T12:25Z [---] followers, [--] engagements "š„ How the Wealthy Actually Win (And Why Its Simpler Than You Think) Everyones chasing the next big thing the hot stock the secret hack the shortcut to wealth. But heres the truth: š Wealth is built on execution not gimmicks. In this video I share: ā The biggest wealth-building myth most people believe ā The [--] levels of execution you actually need ā Why the wealthy keep winning even when life throws curveballs If youre tired of chasing and ready to start doing what actually works watch this. š Chapters: 00:00 The real hack to building wealth 00:18 What football taught me about money 01:00" [YouTube Link](https://youtube.com/watch?v=eQyAtNOhDHE) 2025-07-29T17:23Z [----] followers, [--] engagements "Promised High Investment Returns Dont Get Scammed. In this video I break down how a seemingly perfect investment offering "12% returns with no risk" can turn out to be a dangerous trap. I explain how to spot shady financial advisors why wise investing requires patience and strategy and how to build a reliable retirement plan without falling for investment scams. Watch now and start planning for your financial future. Caviness Keys: The hidden risks behind "too good to be true" investments The value of a second opinion before making big financial decisions How to build a stable and reliable" [YouTube Link](https://youtube.com/watch?v=hfS_Qhb7j0E) 2025-03-22T12:25Z [---] followers, [--] engagements "If I Claimed Social Security Again Id Do This Instead Claiming Social Security is one of the biggest financial decisions youll ever makeand its also the one most people get wrong. In this video I break down the mistakes I see over and over again what they really cost you and how to make the smartest choice for your future. Well cover why people claim early the hidden tax traps the spousal benefit impact and strategies like the golden window and reset option. Before you make your decision watch this first. #SocialSecurity #RetirementPlanning #FinancialFreedom #SocialSecurityMistakes" [YouTube Link](https://youtube.com/watch?v=maa3Z0_wTJ0) 2025-09-19T21:00Z [----] followers, 33.9K engagements "Retiring Under TRS Dont Fall for the Rule of [--] Myth If youre a Texas educator planning your retirement youve probably heard about the Rule of [--]. Heres the thing: its one of the most common myths I hearand its tripping people up. In this video I break down the truth about the Teacher Retirement System (TRS) rules what the Rule of [--] actually means for your retirement eligibility and where the confusion around the Rule of [--] really comes from. Ill cover: - What the Rule of [--] is (and why its still the standard for retirement) - Why the Rule of [--] only applies to a specific option: the Partial" [YouTube Link](https://youtube.com/watch?v=nnlAg83WRc0) 2025-07-12T12:25Z [---] followers, [--] engagements "Creating a Financial Roadmap for Early Retirement In today's fast-paced world many individuals and couples are contemplating early retirement. However the journey to achieving this goal is often fraught with uncertainty and anxiety. Questions arise about financial stability market fluctuations and the overall readiness to step away from work. When considering early retirement it is crucial to address several key concerns: 1/ Sufficiency of Funds: Will you have enough savings to support your lifestyle without a regular paycheck 2/ Market Volatility: How will you weather potential market" [YouTube Link](https://youtube.com/watch?v=o-UkYz7ZnvA) 2025-06-05T15:53Z [----] followers, [--] engagements "Are You Missing the Point of Saving Were taught to save from the moment we start earning. For retirement. For college. For the big dreams on our list. And while saving is critical theres another side of the equation we dont talk about enough spending. In this video I share why balancing saving for the future with enjoying your life today is so important and how you can start thinking about that balance in your own financial plan. Because the truth is we only have so many years when were younger healthier and able to say yes to adventure. If you want help figuring out how to create a plan that" [YouTube Link](https://youtube.com/watch?v=qN2krhr3BwE) 2025-08-09T11:01Z [----] followers, [---] engagements "This is The TOP Reason To Retire As Soon As You Can Most people believe that working longer guarantees a safer more comfortable retirement. But the truth is theres a tipping point where every extra year you work doesnt add more securityit costs you the one thing you cant replace: time. In this video I explain the law of diminishing returns in retirement why delaying too long can backfire and how to know when youve reached enough. If youve ever wondered whether one more year of work is worth it this is the video you need to see before making that decision. #RetirementPlanning #FinancialFreedom" [YouTube Link](https://youtube.com/watch?v=r9idxtPex9c) 2025-09-26T21:00Z [----] followers, [----] engagements "Experiences are Greater Than Things Theres a theme Ive seen emerge more and more since the pandemic with those Im talking with. Experiences are greater than things. When we focus spending in areas that truly reflect our priorities the long-term payoff isnt just financial. It becomes personal fulfillment. The more your plan reflects your values the more successful and satisfying your future will feel. š Stay Connected With Me. Linkedin: https://www.linkedin.com/in/dcaviness/ Website: https://cavinesswealth.com/ ================================= š Related Phrases: #values #experiences #money" [YouTube Link](https://youtube.com/watch?v=rNegB5ECrzc) 2025-08-16T03:39Z [----] followers, [--] engagements "The Truth About "Be Your Own Banker" Using Life Insurance Financial Myth Debunked Have you heard about "becoming your own banker" through life insurance In this eye-opening video David Caviness CERTIFIED FINANCIAL PLANNER breaks down this popular but often misunderstood financial strategy. Learn why using whole life insurance as an investment vehicle might not be the smart money move many agents claim it is. David cuts through the marketing hype to reveal three major problems with the "be your own banker" approach: - The high costs and fees that eat into your returns for years - Why" [YouTube Link](https://youtube.com/watch?v=uVePvtmIdbw) 2025-05-31T12:25Z [----] followers, [---] engagements "I'm Afraid to Invest Because the Stock Market Might Crash Walk & Talk I'm Afraid to Invest Because the Stock Market Might Crash Walk & Talk I recently heard from an investor: "This feels easy (good) now but what's the plan when the stock market crashes" Here's a couple minutes on how I explain this to clients. If you don't have a financial advisor and could use help please reach out to me I am currently taking on new clients and would love to meet and see if we're a great fit. Walk & Talk š„ I'm Afraid to Invest Because the Stock Market Might Crash Walk & Talk -- Subscribe:" [YouTube Link](https://youtube.com/watch?v=zuAbQxrDM5M) 2024-04-12T13:01Z [---] followers, [---] engagements "Pension vs 401k vs Social Security: Which Should You Take First You could pull $20000 from your retirement account and accidentally create $37000 of taxable income. Sounds impossible but it happens all the timeand most retirees dont realize it until the IRS bill shows up. In this video I break down why the order you take income in retirement matters more than the amount you saved and how claiming Social Security pension income and 401(k) withdrawals in the wrong sequence can trigger hidden tax traps like the Social Security tax torpedo Medicare IRMAA surcharges and extra investment taxes." [YouTube Link](https://youtube.com/watch?v=QpekbmS3bJY) 2026-02-13T23:45Z [----] followers, [---] engagements "5 Years From Retirement Do These [--] Things Now Two people can hit retirement with the same income and savings but five years later one feels confident and free while the other is stressed and second-guessing every purchase. Thats because the final [--] years before retirement is the retirement red zone where small mistakes become permanent. In this video I break down the [--] most important moves you need to make before you retiresaving aggressively building an income plan protecting against market volatility optimizing taxes and designing a lifestyle you actually want. And pay close attention to" [YouTube Link](https://youtube.com/watch?v=nR6cpRh3Pns) 2026-02-04T18:06Z [----] followers, 16.7K engagements "The ROTH Conversion TRAP That Destroyed $1M in Tax-Free Wealth Roth conversions arent about chasing the lowest tax bracket theyre about timing tradeoffs and long-term compounding. In this video we break down the biggest Roth conversion trap why waiting can quietly cost you years of tax-free growth and how paying conversion taxes the right way can dramatically change the outcome. This is about comparing todays known tax rate to tomorrows unknown one and getting the timing right. #RothConversion #RetirementPlanning #TaxPlanning #RothIRA #FinancialPlanning #RetirementTaxes #WealthStrategy" [YouTube Link](https://youtube.com/watch?v=q-wOSYCrmnM) 2026-01-30T23:30Z [----] followers, [---] engagements "Sell These [--] Things BEFORE You Retire Retirement isnt about giving things up its about clearing space for what actually matters. In this video we walk through the hidden costs of owning too much the real tradeoffs of management-heavy real estate the danger of over-supporting adult children and a simple framework to decide what to let go of before retirement. The goal isnt deprivation. Its freedom flexibility and protecting your healthiest years. #RetirementPlanning #RetirementLifestyle #FinancialFreedom #Downsizing #RetirementMindset #LifeAfterWork #RetirementDecisions #WealthPlanning" [YouTube Link](https://youtube.com/watch?v=K5CH4o4qVpE) 2026-01-23T23:30Z [----] followers, [---] engagements "What To Do With 401k Money at Retirement Most retirees overlook one powerful opportunity hiding inside their 401(k): after-tax dollars. In this video we break down how after-tax 401(k) money can often be rolled into a Roth IRA why this strategy can be one of the cleanest ways to build tax-free income later in life and how thinking of your IRA as a retirement operating system can completely change how your money works for you. If youre approaching retirement this is a decision you dont want to rush. #RetirementPlanning #401k #RothIRA #IRArollover #TaxPlanning #AfterTax401k #RetirementIncome" [YouTube Link](https://youtube.com/watch?v=Uhrw9d_tANA) 2026-01-13T11:37Z [----] followers, [---] engagements "My Honest Advice To Anyone Working Past [--] Most people dont realize it but the years between [--] and [--] are the most dangerous decade of your financial lifenot because of money but because of time. This video breaks down why these years matter so much the regret pattern financial advisors see all the time and how to balance financial enough with actually living your life while you still have the health energy and freedom to enjoy it. If youre working past [--] this is the message you need before another year slips by. #retirementplanning #financialindependence #workoptional #lifeafter55" [YouTube Link](https://youtube.com/watch?v=qxiEOans81U) 2026-01-09T21:30Z [----] followers, [---] engagements "Retiring With Pension & Social Security - [--] Things You NEED to Know If youre retiring with both a pension and Social Security youve got one of the strongest foundations in retirementbut most people still make three major mistakes that shrink their income over time. In this video we break down the key things to know about income vs. expenses inflation risk and why most retirees underestimate their real spending plus a bonus mistake almost no one checks until its too late. If youre within [----] years of retirement now is the time to get clarity. #retirementplanning #pension #socialsecurity" [YouTube Link](https://youtube.com/watch?v=gTF9LWGmtBc) 2025-12-29T20:46Z [----] followers, 194.7K engagements "The Hidden Social Security Math No One Explains to Retirees Most retirees dont realize this but the Social Security break-even age calculators you see online are misleading you and in many cases flat-out lying. In this video I reveal the hidden math behind claiming at [--] vs. [--] and show why the traditional advice to always wait until [--] is often financially devastating. Once you factor in the time value of money portfolio growth real-life longevity odds and sequence of returns risk the true break-even age jumps into the late 80s or even mid-90s meaning 95% of retirees will never actually" [YouTube Link](https://youtube.com/watch?v=3cDnhJpBywE) 2025-12-19T23:30Z [----] followers, [----] engagements "Retirees Have NO CLUE This Tax Strategy Exists Most retirees have no idea they can legally earn up to $126000 of total income in [----] and pay zero federal tax on long-term capital gains but this strategy is one of the biggest tax opportunities in early retirement. In this video I break down how the 0% capital gains bracket works for both singles and married couples how the standard deduction boosts your tax-free limit and a real case study of a retired couple generating $252000 of income completely tax-free. We walk step-by-step through cost-basis resets tax-gain harvesting and how to combine" [YouTube Link](https://youtube.com/watch?v=4WGyohmyllA) 2025-12-12T00:06Z [----] followers, [----] engagements "Retire at [--] Shocking Average Savings vs. The REAL Number You Need If youve ever wondered how much you actually need to retire at [--] this video will completely shift the way you think about retirement. Right now nearly half of Americans believe theyll never save enough but the real problem isnt their savings its the outdated benchmarks and one-size-fits-all formulas that create unnecessary fear. In this breakdown we unpack why the popular 8x rule can force you to work years longer than needed how real retirement spending follows a natural curve and why factoring in Social Security" [YouTube Link](https://youtube.com/watch?v=K5nQU_uNb2Y) 2025-12-04T15:20Z [----] followers, [---] engagements "What No One Tells You About Early Retirement [--] Secrets You Need to Know Before Retiring Early Everyone talks about how to retire early but no one talks about what happens after you do. In this video Certified Financial Planner David Caviness reveals seven powerful truths about early retirement that most people never hear until its too late. From the emotional shock of losing your identity and structure to the challenge of shifting from saving to spending and even how early retirement can impact your relationships and sense of purpose this video breaks down the real-life side of financial" [YouTube Link](https://youtube.com/watch?v=6M51DL7MrRc) 2025-11-28T23:00Z [----] followers, [---] engagements "The Hidden Retirement Traps Waiting at [--] (And How to Avoid Them) Turning [--] might feel like just another birthday but financially its one of the most critical milestones of your entire life. In this video Certified Financial Planner David Caviness breaks down the key decisions youll face at this age from when to claim Social Security to how to withdraw your savings and handle health insurance and how getting them wrong could cost you tens of thousands of dollars over time. Youll learn about the hidden traps most people dont see coming why some choices at [--] cant be undone and the smartest" [YouTube Link](https://youtube.com/watch?v=CGU2jZdw0II) 2025-11-21T23:00Z [----] followers, [----] engagements "Shocking Retirement Stats You Have to See to Believe Theres a retirement stat out there that completely changes how you think about what enough really means and in this video Certified Financial Planner David Caviness breaks it all down. Youll see the real numbers behind how much Americans actually have saved why so many fall short and what separates those who retire confidently from those who struggle. From inflation and taxes to income gaps and financial habits David reveals the truth behind the million-dollar myth and the behavioral traits that build lasting wealth. Plus he shares a 4-step" [YouTube Link](https://youtube.com/watch?v=BkfDsE4wyX0) 2025-11-14T23:00Z [----] followers, [---] engagements "Retire TODAY If You Answer "YES" to All [--] Questions Ever catch yourself wondering Why am I still working In this video Certified Financial Planner David Caviness walks you through six powerful questions that can help reveal if youre truly ready to retire right now. From assessing your health family priorities and sense of purpose to evaluating whether your finances can support the lifestyle you want this isnt just about moneyits about timing and confidence. Youll learn how to break free from the one more year mindset balance todays life with tomorrows security and finally decide if its time" [YouTube Link](https://youtube.com/watch?v=I4unCJ2npuU) 2025-11-07T23:00Z [----] followers, 10.3K engagements "How to Retire at 62: You Must Know THESE NUMBERS What if youre [----] months from retiring at [--] but arent sure if your numbers truly work In this video I'll walk through a real case studyErin age 61showing how to map income needs model expenses plan withdrawals and project portfolio growth from [--] through age [--]. Youll see exactly how $1.3M across accounts $72K annual spending and a $28K Social Security benefit play out over time how inflation changes the picture and why a steady drawdown can be a sign of a healthy plan. Ill also compare retiring at [--] vs. working part-time and delaying Social" [YouTube Link](https://youtube.com/watch?v=8JcEQNfj6es) 2025-10-29T17:56Z [----] followers, [---] engagements "What Month SHOULD YOU Retire Get the Timing Right When should you retire Its one of the most important financial decisions youll ever make and getting it wrong could quietly cost you tens of thousands of dollars. In this video we break down how to pick the right retirement date by aligning your taxes Medicare Social Security and investment timing. Youll learn why retiring at the end of the year could trigger a surprise tax avalanche the smartest months to retire how key ages like [--] [--] and [--] can change everything and the most common mistakes people make when picking their date. Dont guess" [YouTube Link](https://youtube.com/watch?v=vGhqnQlcN_c) 2025-10-22T03:23Z [----] followers, [----] engagements "The PROVEN STRATEGY to Minimize Taxes in Retirement Most retirees are quietly handing over tens of thousands of dollars to the IRS every single year and they dont even realize it. In fact the difference between the average retiree and the smart retiree can be so dramatic that it honestly feels like cheating. While many people pay 20%-30% of their retirement income in taxes unnecessarily those who know the right strategies often cut that bill in half or more. The scary part These hidden taxes hit hardest in retirement when you can least afford them. In todays video Im exposing the traps that" [YouTube Link](https://youtube.com/watch?v=cf-_5cEEhW0) 2025-10-17T16:59Z [----] followers, 30.3K engagements "5 SMART REASONS to File for Social Security at Age [--] When should you turn on Social Security Its one of the most important decisions in retirementand one of the most misunderstood. For years people used the break-even analysis to decide when to file but even the Social Security Administration removed it from their website after realizing it was leading to costly mistakes. In this video well break down why that method fails how factors like life expectancy cost-of-living adjustments (COLA) and spousal benefits can completely change your best strategy and when filing early might actually make" [YouTube Link](https://youtube.com/watch?v=Lq6MVz7xh7c) 2025-10-09T21:14Z [----] followers, [----] engagements "The Savings Paradox: Why Retirees Struggle More Than You Think Most people believe the hardest part of retirement is saving enough money but the real challenge begins after you retire. Its called the Savings Paradoxa psychological trap that causes millions of retirees to live far below their means not because theyre broke but because theyre afraid to spend the money theyve worked a lifetime to save. In this video Ill break down what the Savings Paradox is the research that proves its real the myths that keep retirees stuck and the strategies you can use to break free so you can finally enjoy" [YouTube Link](https://youtube.com/watch?v=941y30GU0x0) 2025-10-03T16:12Z [----] followers, [---] engagements "This is The TOP Reason To Retire As Soon As You Can Most people believe that working longer guarantees a safer more comfortable retirement. But the truth is theres a tipping point where every extra year you work doesnt add more securityit costs you the one thing you cant replace: time. In this video I explain the law of diminishing returns in retirement why delaying too long can backfire and how to know when youve reached enough. If youve ever wondered whether one more year of work is worth it this is the video you need to see before making that decision. #RetirementPlanning #FinancialFreedom" [YouTube Link](https://youtube.com/watch?v=r9idxtPex9c) 2025-09-26T21:00Z [----] followers, [----] engagements "If I Claimed Social Security Again Id Do This Instead Claiming Social Security is one of the biggest financial decisions youll ever makeand its also the one most people get wrong. In this video I break down the mistakes I see over and over again what they really cost you and how to make the smartest choice for your future. Well cover why people claim early the hidden tax traps the spousal benefit impact and strategies like the golden window and reset option. Before you make your decision watch this first. #SocialSecurity #RetirementPlanning #FinancialFreedom #SocialSecurityMistakes" [YouTube Link](https://youtube.com/watch?v=maa3Z0_wTJ0) 2025-09-19T21:00Z [----] followers, 33.9K engagements "5 Things You Should Know Before Retirement Early Retirement Regrets When most people picture retirement the dream looks simple: sleeping in traveling the world sipping cocktails on a beach and living stress-free. But the truth is retirement isnt just a date on the calendarits a massive life shift filled with both joys and challenges. Whether youre still planning or already retired this video will help you prepare for the realities beyond the fantasy. Because retirement is about more than moneyits about building a meaningful life today and in the years ahead. #retirementplanning" [YouTube Link](https://youtube.com/watch?v=DzLxfAgGSRc) 2025-09-12T21:00Z [----] followers, [---] engagements "Why Having a Pension in Retirement Changes EVERYTHING Do you ever feel like retirement planning always comes down to one formula: save in a 401(k) add Social Security and hope its enough That works for many peoplebut not if you have a pension. A pension changes everything: how much you need to save when you can retire how you invest and even whether you need to keep working at all. In this video Ill break down why a pension transforms retirement planning and the three strategies every pension holder needs to get right: How pensions reduce the amount you actually need to save. Why a pension" [YouTube Link](https://youtube.com/watch?v=h7t2FKd4It4) 2025-09-05T22:00Z [----] followers, 645.9K engagements "Why One-Dimensional Financial Plans Fail in a Three-Dimensional World Most people build their financial plan around one ideasaving in a 401(k) minimizing taxes today or trying to guess their retirement number. But in todays world That kind of one-dimensional thinking isnt just outdatedits risky. In this video I break down what it means to have a truly flexible financial planone that adapts to changes in taxes inflation job markets and even emerging tech like AI. Youll learn how to structure your accounts across three core buckets: Pretax (for todays savings) Roth (for tax-free growth" [YouTube Link](https://youtube.com/watch?v=YRstTX5arSU) 2025-08-29T20:10Z [----] followers, [---] engagements "Can I Retire at [--] Here's What It Takes Wondering if you can walk away from work at [--] In this video I walk through a real-world case study of a couple in their mid-40s aiming to retire in [--] years with $14000/month of income. You'll see how disciplined saving smart investment strategies and intentional planning turned their goal into a realitywith a projected $5.87M in assets and $19500/month in income (before even counting Social Security). š Well cover: How to evaluate if you can retire early The importance of tax diversification Why having a defined income goal matters What a realistic" [YouTube Link](https://youtube.com/watch?v=4440uHKlry4) 2025-08-22T18:04Z [----] followers, [---] engagements "Experiences are Greater Than Things Theres a theme Ive seen emerge more and more since the pandemic with those Im talking with. Experiences are greater than things. When we focus spending in areas that truly reflect our priorities the long-term payoff isnt just financial. It becomes personal fulfillment. The more your plan reflects your values the more successful and satisfying your future will feel. š Stay Connected With Me. Linkedin: https://www.linkedin.com/in/dcaviness/ Website: https://cavinesswealth.com/ ================================= š Related Phrases: #values #experiences #money" [YouTube Link](https://youtube.com/watch?v=rNegB5ECrzc) 2025-08-16T03:39Z [----] followers, [--] engagements "Are You Missing the Point of Saving Were taught to save from the moment we start earning. For retirement. For college. For the big dreams on our list. And while saving is critical theres another side of the equation we dont talk about enough spending. In this video I share why balancing saving for the future with enjoying your life today is so important and how you can start thinking about that balance in your own financial plan. Because the truth is we only have so many years when were younger healthier and able to say yes to adventure. If you want help figuring out how to create a plan that" [YouTube Link](https://youtube.com/watch?v=qN2krhr3BwE) 2025-08-09T11:01Z [----] followers, [---] engagements "The Biggest Mistake Investors Make (and it's not what you think) I've been a financial advisor for [--] years. There's one mistake I see people make time and time again. We fully fund our retirement accounts at work. We fully fund our IRA's and HSA's. We're allocating money to our kids college savings accounts. And now we've maxed out our investable dollars. There's no more to go around. š' . https://www.youtube.com/@cavinesswealth/sub_confirmation=1 š° Newsletter Sign-up: https://cavinesswealth.com/sign-up/ š Stay Connected With Me. Linkedin: https://www.linkedin.com/in/dcaviness/" [YouTube Link](https://youtube.com/watch?v=y-mVuRcIryM) 2025-08-06T15:10Z [----] followers, [---] engagements "TRUMP'S BIG BEAUTIFUL BILL. What Retirees Need to Know Now. The "One Big Beautiful Bill" is more than a catchy name. It's an 870-page piece of legislation that could have a big impact on your retirement plan - especially if you're already retired or planning to retire in the next decade. As the landscape of retirement planning continues to evolve understanding the implications of this significant legislation is crucial for retirees In this video David Caviness Certified Financial Planner breaks down the [--] key changes retirees need to know and how they affect your taxes Social Security" [YouTube Link](https://youtube.com/watch?v=1UqMRF5FjR4) 2025-08-02T11:00Z [----] followers, [--] engagements "The #1 Mistake High Achievers Make When Planning Retirement (And How to Avoid It) For years Ive seen successful high-achieving people chase a single magic number for retirement believing that once they hit it theyll finally feel ready. But heres the truth: that number doesnt exist. In this video I share the story of one client Rob who came to me thinking he just needed to save a little more before he could retire. What he really needed was a plan not a number. Youll learn: ā Why the magic number mindset creates stress and false confidence ā What retirement actually costs (hint: it changes" [YouTube Link](https://youtube.com/watch?v=JmUDVbY5Yqc) 2025-07-29T17:29Z [----] followers, [---] engagements "š„ How the Wealthy Actually Win (And Why Its Simpler Than You Think) Everyones chasing the next big thing the hot stock the secret hack the shortcut to wealth. But heres the truth: š Wealth is built on execution not gimmicks. In this video I share: ā The biggest wealth-building myth most people believe ā The [--] levels of execution you actually need ā Why the wealthy keep winning even when life throws curveballs If youre tired of chasing and ready to start doing what actually works watch this. š Chapters: 00:00 The real hack to building wealth 00:18 What football taught me about money 01:00" [YouTube Link](https://youtube.com/watch?v=eQyAtNOhDHE) 2025-07-29T17:23Z [----] followers, [--] engagements "Retiring Under TRS Dont Fall for the Rule of [--] Myth If youre a Texas educator planning your retirement youve probably heard about the Rule of [--]. Heres the thing: its one of the most common myths I hearand its tripping people up. In this video I break down the truth about the Teacher Retirement System (TRS) rules what the Rule of [--] actually means for your retirement eligibility and where the confusion around the Rule of [--] really comes from. Ill cover: - What the Rule of [--] is (and why its still the standard for retirement) - Why the Rule of [--] only applies to a specific option: the Partial" [YouTube Link](https://youtube.com/watch?v=G5zu-QDvzMU) 2025-07-29T17:15Z [----] followers, [----] engagements "Worried About MoneyEven When You're Doing Fine Heres Why Its Normal Even with a solid income or a comfortable retirement that low-level money anxiety I see it all the timeand Ive felt it myself. In this video I share two real conversations I had recently: one with a retired couple the other with a young entrepreneur. Totally different life stages. Same core worryAm I going to be okay It doesnt matter how much youve saved or how well your investments are doingif you dont have a clear adaptable plan that uneasiness never really goes away. Heres what I break down: - Why financial worry is more" [YouTube Link](https://youtube.com/watch?v=ZihZrnS83-4) 2025-07-05T12:15Z [----] followers, [--] engagements "The Ultimate Guide to Sustainable Wealth Management Life doesnt follow a spreadsheetand your financial plan shouldnt either. In this video David Caviness CERTIFIED FINANCIAL PLANNER shares a better way to think about building wealth: one that actually flexes with real life. Because saving blindly and hoping for the best isnt a strategyits a gamble. Youll learn: 1/ Why most traditional financial plans fall short when life throws a curveball 2/ Three pillars of sustainable real-world planning that help you stay on track 3/ Smarter ways to save for retirement fund education protect your family" [YouTube Link](https://youtube.com/watch?v=AmJwecG3QiU) 2025-06-28T12:25Z [----] followers, [---] engagements "They Had $3M but Felt Stuck Why High Earners Still Feel Broke (And What to Do About It) Youve got the income. The investments. The spreadsheet. So why does it still feel like youre guessing In this video David Caviness CERTIFIED FINANCIAL PLANNER shares why high-achieving professionals often feel stuckeven when everything looks great on paper. From missed opportunities to delayed freedom its not about how much you have. Its about what you do with it. David breaks down: - The illusion of financial security vs. the reality of clarity - Why even $400K earners can feel broke - The hidden cost of" [YouTube Link](https://youtube.com/watch?v=22Ytpcl2BsE) 2025-06-21T12:25Z [----] followers, [---] engagements "Don't Miss This Costly Financial Mistake The Costly Financial Mistake Couples Make Without Realizing It Theres one financial blind spot I see all the timeand its quietly costing couples thousands each year. When one spouse earns significantly more the other often gets overlooked in the savings strategy. That means: +Missed tax advantages +Underutilized retirement accounts +Inefficient planning that quietly bleeds money +The worst part Its completely avoidable. In this video Ill walk you through how couples unintentionally leave money on the tableand what to do instead to build a more" [YouTube Link](https://youtube.com/watch?v=_l5l6574kdM) 2025-06-14T13:31Z [----] followers, [---] engagements "Financial Planning in Your 40s: What You Must Know The Truth About Financial Planning in Your 40s: What You Must Know Most people think financial planning is just about saving more. But heres the truth: real financial security comes from flexibility. In todays unpredictable world your financial plan needs to do more than growit needs to adapt. In this new video I break down the [--] essential pillars of a future-ready financial plan: ā Retirement savings strategies that give you options ā How to fund education without sacrificing your future ā Protecting what youve built from lifes curveballs" [YouTube Link](https://youtube.com/watch?v=GODvU3ks650) 2025-06-07T12:30Z [----] followers, [--] engagements "Staying Healthy: The Financial Impact of Poor Health Poor health is one of the biggest threats to your financial plan. Many individuals may not realize that their health can have a profound impact on their financial stability especially as they age. Throughout my career as a financial advisor I have encountered numerous clients with strong investment portfolios. However many of these clients faced significant financial challenges later in life due to health-related expenses. Contrary to popular belief their largest expenditures were not on travel or luxury items but rather on healthcare" [YouTube Link](https://youtube.com/watch?v=11OS4I06l44) 2025-06-05T15:53Z [----] followers, [---] engagements "Understanding the Mega Backdoor Roth IRA: A Comprehensive Guide The Mega Backdoor Roth IRA has gained popularity on social media often touted as a financial cheat code for high earners looking to maximize their retirement savings. But what exactly is it and how does it work In this guide we will break down the steps involved in utilizing this strategy its benefits and important considerations to keep in mind. What is the Mega Backdoor Roth IRA The Mega Backdoor Roth IRA is a strategy that allows individuals to contribute more to their Roth IRA than the standard contribution limits. This is" [YouTube Link](https://youtube.com/watch?v=NOamkCZ3LMs) 2025-06-05T15:53Z [----] followers, [----] engagements "Financial Life Need Clarity The Importance of a Strategic Plan In today's fast-paced world many individuals find themselves navigating a complex financial landscape. If your financial life feels like a scattered collection of good decisions without a clear direction it may be time to pause and reassess. The key to achieving financial clarity lies not in adding more complexity but in developing a comprehensive plan. By recognizing the complexity that builds over time and taking proactive steps to create a strategic financial plan you can avoid the chaos that often accompanies disorganized" [YouTube Link](https://youtube.com/watch?v=UcDIixqQfmk) 2025-06-05T15:53Z [----] followers, [---] engagements "Creating a Financial Roadmap for Early Retirement In today's fast-paced world many individuals and couples are contemplating early retirement. However the journey to achieving this goal is often fraught with uncertainty and anxiety. Questions arise about financial stability market fluctuations and the overall readiness to step away from work. When considering early retirement it is crucial to address several key concerns: 1/ Sufficiency of Funds: Will you have enough savings to support your lifestyle without a regular paycheck 2/ Market Volatility: How will you weather potential market" [YouTube Link](https://youtube.com/watch?v=o-UkYz7ZnvA) 2025-06-05T15:53Z [----] followers, [--] engagements "The Truth About "Be Your Own Banker" Using Life Insurance Financial Myth Debunked Have you heard about "becoming your own banker" through life insurance In this eye-opening video David Caviness CERTIFIED FINANCIAL PLANNER breaks down this popular but often misunderstood financial strategy. Learn why using whole life insurance as an investment vehicle might not be the smart money move many agents claim it is. David cuts through the marketing hype to reveal three major problems with the "be your own banker" approach: - The high costs and fees that eat into your returns for years - Why" [YouTube Link](https://youtube.com/watch?v=uVePvtmIdbw) 2025-05-31T12:25Z [----] followers, [---] engagements "Four Thousand Six Hundred Fifty-Three There are Four Thousand Six Hundred Fifty-Three days from the 1st day of school until the last. And a lot of time in between. Today we stroll through memory lane. -------- š' . https://www.youtube.com/@cavinesswealth/sub_confirmation=1 ā Important Link to Follow š° Newsletter Sign-up: https://cavinesswealth.com/sign-up/ š Stay Connected With Me. Facebook: https://www.facebook.com/CavinessWealthManagement# Twitter (X): https://twitter.com/CavinessWealth Linkedin: https://www.linkedin.com/company/caviness-wealth-management-llc/ Website:" [YouTube Link](https://youtube.com/watch?v=_Pxdt8ksrB0) 2025-05-24T13:14Z [----] followers, [---] engagements "Understanding Spending in Retirement: Embracing Financial Freedom Retirement is often viewed as a time to relax and enjoy the fruits of ones labor. However many retirees find themselves grappling with the concept of spending their hard-earned savings. After years of careful budgeting and saving the transition to spending can feel awkward and even wrong. The key is to shift the perspective on spending from one of guilt to one of joy and generosity. To facilitate this shift it is essential to create a comprehensive retirement income plan. This plan should include: 1/ Withdrawal Strategy 2/ Tax" [YouTube Link](https://youtube.com/watch?v=_Ao5LjnpbJQ) 2025-05-21T21:45Z [----] followers, [--] engagements ""How Much Do I Need to Retire Early" [--] Steps to Find Your Early Retirement Number If you're a high earner considering early retirement you've likely pondered the crucial question: how much do I actually need to retire With countless opinions available online including the [--] times rule and the 4% rule it can be overwhelming. This video simplifies the process into three actionable steps to help you determine your personal retirement number tailored to your unique lifestyle and financial situation. Please visit my website to get more information: https://cavinesswealth.com/ š' ." [YouTube Link](https://youtube.com/watch?v=-XyVr_Encps) 2025-05-17T12:25Z [----] followers, [--] engagements "Retirement Secrets: Age 60+ Are you standing on the edge of retirement Or already in it And wondering now what The same financial habits that served you indoor 40s or 50s could be holding you back. Find out how to work through retirement successfully in this short-video with my best retirement secrets for individuals and couples over age [--]. Please visit my website to get more information: https://cavinesswealth.com/ š' . https://www.youtube.com/@cavinesswealth/sub_confirmation=1 ā Important Link to Follow š° Newsletter Sign-up: https://cavinesswealth.com/sign-up/ š Stay Connected With" [YouTube Link](https://youtube.com/watch?v=JldNiQtGwKY) 2025-05-10T10:12Z [----] followers, [---] engagements "Understanding the Mega Backdoor Roth IRA: Pros Cons and Considerations The Mega Backdoor Roth IRA is a strategy for high-income earners to contribute significantly more to a Roth account beyond standard limits. It can also supercharge your retirement savings and offer more tax-free flexibility. While it offers advantages like increased savings and tax diversification it also has drawbacks such as potential plan restrictions and the need for strong cash flow. Many people hear the term "backdoor Roth" and think it's a must-do strategy. This is simply not true. While it is a powerful tool it" [YouTube Link](https://youtube.com/watch?v=EFfo7Ina_GY) 2025-05-03T12:30Z [----] followers, [---] engagements "Feeling Successful but Financially Scattered Heres Whyand What to Do About It Still feel like you're flying blind when it comes to your finances In your professional career youve done everything rightsolid income growing assets maybe even some equity comp or real estate. But your financial life still feels like a Jenga tower--impressive but unstable. Hi I'm David Caviness CERTIFIED FINANCIAL PLANNER and in this video I break down why so many high-achieving professionals feel overwhelmed by their financial successand what to do about it. Youll learn: - Why complexity without strategy leads to" [YouTube Link](https://youtube.com/watch?v=2NOuYbxJVak) 2025-04-26T12:15Z [----] followers, [--] engagements "Worried About Retiring in a Volatile Market Watch This First. #retirement #marketanalysis #marketnews Concerned about the market's ups and downs this year Wondering if you're going to be ok Market volatility can trigger doubteven with a solid plan. That's why it's important to "stress test" your retirement portfolio or even get a second opinion on your retirement plan. Hi I'm David Caviness CERTIFIED FINANCIAL PLANNER and in this video I share the real life story of Nick and Sarahtwo successful professionals in their 50s wondering if they could confidently retire early despite recent market" [YouTube Link](https://youtube.com/watch?v=8_RvydnnDW8) 2025-04-19T12:25Z [----] followers, [---] engagements "Retirement: How Much Should You Have Saved by [--] Are you [--] and wondering if youre on track for #retirement Do you just want someone who can tell you the answer so you can rest easy at night Youre not alone. This is a common feeling especially because the change in your life is so big. But the good news is even if you're 5-10 years away from retirement its not too late to get clear on what you need to do next. Hi I'm David Caviness CERTIFIED FINANCIAL PLANNER and in this video I walk you through how much you should have saved by age [--] why generic rules of thumb can fall short and what really" [YouTube Link](https://youtube.com/watch?v=QLw4iFTKYKo) 2025-04-12T12:20Z [----] followers, [---] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@cavinesswealth David Caviness, CFPĀ®
David Caviness, CFPĀ® posts on YouTube about david, retirement, financial, retire the most. They currently have [-----] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.
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- [--] Months [--] -36%
- [--] Year [--] +1,200%
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- [--] Week [-----] +4.30%
- [--] Month [-----] +15%
- [--] Months [-----] +544%
- [--] Year [-----] +1,026%
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Social Influence
Social category influence finance social networks technology brands automotive brands
Social topic influence david #2345, retirement #238, financial, retire, investment, money, social, social security #66, advice, finance
Top accounts mentioned or mentioned by @cavinesswealthsubconfirmation1 @cavinesswealthcom
Top Social Posts
Top posts by engagements in the last [--] hours
"Pension vs 401k vs Social Security: Which Should You Take First You could pull $20000 from your retirement account and accidentally create $37000 of taxable income. Sounds impossible but it happens all the timeand most retirees dont realize it until the IRS bill shows up. In this video I break down why the order you take income in retirement matters more than the amount you saved and how claiming Social Security pension income and 401(k) withdrawals in the wrong sequence can trigger hidden tax traps like the Social Security tax torpedo Medicare IRMAA surcharges and extra investment taxes."
YouTube Link 2026-02-13T23:45Z [----] followers, [---] engagements
"Retiring With Pension & Social Security - [--] Things You NEED to Know If youre retiring with both a pension and Social Security youve got one of the strongest foundations in retirementbut most people still make three major mistakes that shrink their income over time. In this video we break down the key things to know about income vs. expenses inflation risk and why most retirees underestimate their real spending plus a bonus mistake almost no one checks until its too late. If youre within [----] years of retirement now is the time to get clarity. #retirementplanning #pension #socialsecurity"
YouTube Link 2025-12-29T20:46Z [----] followers, 194.7K engagements
"Why Having a Pension in Retirement Changes EVERYTHING Do you ever feel like retirement planning always comes down to one formula: save in a 401(k) add Social Security and hope its enough That works for many peoplebut not if you have a pension. A pension changes everything: how much you need to save when you can retire how you invest and even whether you need to keep working at all. In this video Ill break down why a pension transforms retirement planning and the three strategies every pension holder needs to get right: How pensions reduce the amount you actually need to save. Why a pension"
YouTube Link 2025-09-05T22:00Z [----] followers, 645.9K engagements
"The Hidden Social Security Math No One Explains to Retirees Most retirees dont realize this but the Social Security break-even age calculators you see online are misleading you and in many cases flat-out lying. In this video I reveal the hidden math behind claiming at [--] vs. [--] and show why the traditional advice to always wait until [--] is often financially devastating. Once you factor in the time value of money portfolio growth real-life longevity odds and sequence of returns risk the true break-even age jumps into the late 80s or even mid-90s meaning 95% of retirees will never actually"
YouTube Link 2025-12-19T23:30Z [----] followers, [----] engagements
"Can I Retire at [--] Here's What It Takes Wondering if you can walk away from work at [--] In this video I walk through a real-world case study of a couple in their mid-40s aiming to retire in [--] years with $14000/month of income. You'll see how disciplined saving smart investment strategies and intentional planning turned their goal into a realitywith a projected $5.87M in assets and $19500/month in income (before even counting Social Security). š Well cover: How to evaluate if you can retire early The importance of tax diversification Why having a defined income goal matters What a realistic"
YouTube Link 2025-08-22T18:04Z [----] followers, [---] engagements
"What No One Tells You About Early Retirement [--] Secrets You Need to Know Before Retiring Early Everyone talks about how to retire early but no one talks about what happens after you do. In this video Certified Financial Planner David Caviness reveals seven powerful truths about early retirement that most people never hear until its too late. From the emotional shock of losing your identity and structure to the challenge of shifting from saving to spending and even how early retirement can impact your relationships and sense of purpose this video breaks down the real-life side of financial"
YouTube Link 2025-11-28T23:00Z [----] followers, [---] engagements
"How to Retire at 62: You Must Know THESE NUMBERS What if youre [----] months from retiring at [--] but arent sure if your numbers truly work In this video I'll walk through a real case studyErin age 61showing how to map income needs model expenses plan withdrawals and project portfolio growth from [--] through age [--]. Youll see exactly how $1.3M across accounts $72K annual spending and a $28K Social Security benefit play out over time how inflation changes the picture and why a steady drawdown can be a sign of a healthy plan. Ill also compare retiring at [--] vs. working part-time and delaying Social"
YouTube Link 2025-10-29T17:56Z [----] followers, [---] engagements
"Shocking Retirement Stats You Have to See to Believe Theres a retirement stat out there that completely changes how you think about what enough really means and in this video Certified Financial Planner David Caviness breaks it all down. Youll see the real numbers behind how much Americans actually have saved why so many fall short and what separates those who retire confidently from those who struggle. From inflation and taxes to income gaps and financial habits David reveals the truth behind the million-dollar myth and the behavioral traits that build lasting wealth. Plus he shares a 4-step"
YouTube Link 2025-11-14T23:00Z [----] followers, [---] engagements
"The Hidden Retirement Traps Waiting at [--] (And How to Avoid Them) Turning [--] might feel like just another birthday but financially its one of the most critical milestones of your entire life. In this video Certified Financial Planner David Caviness breaks down the key decisions youll face at this age from when to claim Social Security to how to withdraw your savings and handle health insurance and how getting them wrong could cost you tens of thousands of dollars over time. Youll learn about the hidden traps most people dont see coming why some choices at [--] cant be undone and the smartest"
YouTube Link 2025-11-21T23:00Z [----] followers, [----] engagements
"Retire TODAY If You Answer "YES" to All [--] Questions Ever catch yourself wondering Why am I still working In this video Certified Financial Planner David Caviness walks you through six powerful questions that can help reveal if youre truly ready to retire right now. From assessing your health family priorities and sense of purpose to evaluating whether your finances can support the lifestyle you want this isnt just about moneyits about timing and confidence. Youll learn how to break free from the one more year mindset balance todays life with tomorrows security and finally decide if its time"
YouTube Link 2025-11-07T23:00Z [----] followers, 10.3K engagements
"Sell These [--] Things BEFORE You Retire Retirement isnt about giving things up its about clearing space for what actually matters. In this video we walk through the hidden costs of owning too much the real tradeoffs of management-heavy real estate the danger of over-supporting adult children and a simple framework to decide what to let go of before retirement. The goal isnt deprivation. Its freedom flexibility and protecting your healthiest years. #RetirementPlanning #RetirementLifestyle #FinancialFreedom #Downsizing #RetirementMindset #LifeAfterWork #RetirementDecisions #WealthPlanning"
YouTube Link 2026-01-23T23:30Z [----] followers, [---] engagements
"TOP Overlooked Retirement Mistakes from Caviness Wealth Management #retirementplanning #retirementincome #retirementideas Think retirement is about hitting a magic number Just building up a nest egg Think again. A retirement plan that only revolves around an account balance is incomplete. And unclear retirement goals can lead to financial strain. There is so much more to consider. Watch this video to learn all the things you should be considering BEFORE taking the leap into retirement so you can enjoy your golden years without undue stress. Please visit my website to get more information:"
YouTube Link 2025-02-22T14:17Z [---] followers, [--] engagements
"What To Do With 401k Money at Retirement Most retirees overlook one powerful opportunity hiding inside their 401(k): after-tax dollars. In this video we break down how after-tax 401(k) money can often be rolled into a Roth IRA why this strategy can be one of the cleanest ways to build tax-free income later in life and how thinking of your IRA as a retirement operating system can completely change how your money works for you. If youre approaching retirement this is a decision you dont want to rush. #RetirementPlanning #401k #RothIRA #IRArollover #TaxPlanning #AfterTax401k #RetirementIncome"
YouTube Link 2026-01-13T11:37Z [----] followers, [---] engagements
"The PROVEN STRATEGY to Minimize Taxes in Retirement Most retirees are quietly handing over tens of thousands of dollars to the IRS every single year and they dont even realize it. In fact the difference between the average retiree and the smart retiree can be so dramatic that it honestly feels like cheating. While many people pay 20%-30% of their retirement income in taxes unnecessarily those who know the right strategies often cut that bill in half or more. The scary part These hidden taxes hit hardest in retirement when you can least afford them. In todays video Im exposing the traps that"
YouTube Link 2025-10-17T16:59Z [----] followers, 30.3K engagements
"The $10K Mistake You Cant Afford to Make in Retirement Think youll need the same monthly income in retirement as you do today Think again. If youre comfortable living on $10000 a month now a 3% annual inflation rate means youll need $18000 per month in future dollars just to maintain the same lifestyle. Thats a huge gapand one of the biggest reasons you need a strategy that plans for the future not just today. šŗ Check out the full video here: https://www.youtube.com/watchv=z2-IpcUSKHM #RetirementPlanning #Inflation #FinancialFreedom Please visit my website to get more information:"
YouTube Link 2025-02-01T14:54Z [----] followers, [---] engagements
"My Honest Advice To Anyone Working Past [--] Most people dont realize it but the years between [--] and [--] are the most dangerous decade of your financial lifenot because of money but because of time. This video breaks down why these years matter so much the regret pattern financial advisors see all the time and how to balance financial enough with actually living your life while you still have the health energy and freedom to enjoy it. If youre working past [--] this is the message you need before another year slips by. #retirementplanning #financialindependence #workoptional #lifeafter55"
YouTube Link 2026-01-09T21:30Z [----] followers, [---] engagements
"What Month SHOULD YOU Retire Get the Timing Right When should you retire Its one of the most important financial decisions youll ever make and getting it wrong could quietly cost you tens of thousands of dollars. In this video we break down how to pick the right retirement date by aligning your taxes Medicare Social Security and investment timing. Youll learn why retiring at the end of the year could trigger a surprise tax avalanche the smartest months to retire how key ages like [--] [--] and [--] can change everything and the most common mistakes people make when picking their date. Dont guess"
YouTube Link 2025-10-22T03:23Z [----] followers, [----] engagements
"The Importance of Diversified Investment Accounts So often we're solely focused on the investments but shouldn't lose sight and long term impact of the accounts these investments are in #short #financialplanning #investing"
YouTube Link 2023-03-23T23:59Z [----] followers, [---] engagements
"Retirees Have NO CLUE This Tax Strategy Exists Most retirees have no idea they can legally earn up to $126000 of total income in [----] and pay zero federal tax on long-term capital gains but this strategy is one of the biggest tax opportunities in early retirement. In this video I break down how the 0% capital gains bracket works for both singles and married couples how the standard deduction boosts your tax-free limit and a real case study of a retired couple generating $252000 of income completely tax-free. We walk step-by-step through cost-basis resets tax-gain harvesting and how to combine"
YouTube Link 2025-12-12T00:06Z [----] followers, [----] engagements
"Retire at [--] Shocking Average Savings vs. The REAL Number You Need If youve ever wondered how much you actually need to retire at [--] this video will completely shift the way you think about retirement. Right now nearly half of Americans believe theyll never save enough but the real problem isnt their savings its the outdated benchmarks and one-size-fits-all formulas that create unnecessary fear. In this breakdown we unpack why the popular 8x rule can force you to work years longer than needed how real retirement spending follows a natural curve and why factoring in Social Security"
YouTube Link 2025-12-04T15:20Z [----] followers, [---] engagements
"5 Years From Retirement Do These [--] Things Now Two people can hit retirement with the same income and savings but five years later one feels confident and free while the other is stressed and second-guessing every purchase. Thats because the final [--] years before retirement is the retirement red zone where small mistakes become permanent. In this video I break down the [--] most important moves you need to make before you retiresaving aggressively building an income plan protecting against market volatility optimizing taxes and designing a lifestyle you actually want. And pay close attention to"
YouTube Link 2026-02-04T18:06Z [----] followers, 16.7K engagements
"Worried About Retiring in a Volatile Market Watch This First. #retirement #marketanalysis #marketnews Concerned about the market's ups and downs this year Wondering if you're going to be ok Market volatility can trigger doubteven with a solid plan. That's why it's important to "stress test" your retirement portfolio or even get a second opinion on your retirement plan. Hi I'm David Caviness CERTIFIED FINANCIAL PLANNER and in this video I share the real life story of Nick and Sarahtwo successful professionals in their 50s wondering if they could confidently retire early despite recent market"
YouTube Link 2025-04-19T12:25Z [----] followers, [---] engagements
"Mastering the Art of Juggling Life: A Financial Planner's Guide Do you ever feel like there's just never enough time to juggle everything Between your career family obligations and personal goals it can feel overwhelming. If this resonates with you you're not alone. Many people find themselves in the same boat trying to balance various aspects of life while managing financial stress. Watch this video to learn how I help you remove the financial weight weighing you down so you can experience life to your fullest. Please visit my website to get more information: https://cavinesswealth.com/ š' "
YouTube Link 2025-03-15T12:33Z [----] followers, [--] engagements
"Is the short path worth the financial risk What's the fastest way to get from Point A to Point B in your financial life My wife a geometry teacher will tell you it's a straight line. But a straight line isn't always the fastest or best way to get there. There are other factors you have to consider if you want to retire early or buy that vacation home. Plus what happens when you encounter obstacles along the way Don't rely on the latest trend to hang your future hat on. Stop to consider the risk. There is a point in your financial life where the return on your effort diminishes and the risk"
YouTube Link 2025-03-08T13:25Z [----] followers, [--] engagements
"Four Things to Consider When Maxing Out Your 401K #401k #investing #retirement"
YouTube Link 2023-11-13T20:00Z [----] followers, [---] engagements
"The ROTH Conversion TRAP That Destroyed $1M in Tax-Free Wealth Roth conversions arent about chasing the lowest tax bracket theyre about timing tradeoffs and long-term compounding. In this video we break down the biggest Roth conversion trap why waiting can quietly cost you years of tax-free growth and how paying conversion taxes the right way can dramatically change the outcome. This is about comparing todays known tax rate to tomorrows unknown one and getting the timing right. #RothConversion #RetirementPlanning #TaxPlanning #RothIRA #FinancialPlanning #RetirementTaxes #WealthStrategy"
YouTube Link 2026-01-30T23:30Z [----] followers, [---] engagements
"Retiring Under TRS Dont Fall for the Rule of [--] Myth If youre a Texas educator planning your retirement youve probably heard about the Rule of [--]. Heres the thing: its one of the most common myths I hearand its tripping people up. In this video I break down the truth about the Teacher Retirement System (TRS) rules what the Rule of [--] actually means for your retirement eligibility and where the confusion around the Rule of [--] really comes from. Ill cover: - What the Rule of [--] is (and why its still the standard for retirement) - Why the Rule of [--] only applies to a specific option: the Partial"
YouTube Link 2025-07-29T17:15Z [----] followers, [----] engagements
"Teachers: When Am I Eligible to Retire TRS Rule of [--] We work with many great clients in the education system and one of the most common questions is: "When can I retire" In this short video I explain when teachers and those in the education system are eligible to retire also debunking the misconception of the Rule of [--] and finally we discuss the difference between when you CAN retire and when you SHOULD retire. If you work in the education system and could use the help of a financial professional please don't hesitate to reach out I work with many of your contemporaries. -- Subscribe:"
YouTube Link 2023-08-28T13:14Z [----] followers, [----] engagements
""How Much Do I Need to Retire Early" [--] Steps to Find Your Early Retirement Number If you're a high earner considering early retirement you've likely pondered the crucial question: how much do I actually need to retire With countless opinions available online including the [--] times rule and the 4% rule it can be overwhelming. This video simplifies the process into three actionable steps to help you determine your personal retirement number tailored to your unique lifestyle and financial situation. Please visit my website to get more information: https://cavinesswealth.com/ š' ."
YouTube Link 2025-05-17T12:25Z [----] followers, [--] engagements
"What's Going on With the Stock Market Walk & Talk I was recently asked by a friend: "David how's business and what's going on with the stock market" My quick answer: It depends on your perspective. If you don't have a financial advisor and could use help please reach out to me I am currently taking on new clients. Walk & Talk š„ -- Subscribe: https://www.youtube.com/channel/UC8cBlkvzL6VsiQLM4gRC_Dg -- David Caviness CFP on: LinkedIn: https://www.linkedin.com/in/dcaviness/ Twitter: https://twitter.com/CavinessWealth Website: https://cavinesswealth.com/ Thanks for watching #financialplanning"
YouTube Link 2023-10-11T15:21Z [--] followers, [--] engagements
"Staying Healthy: The Financial Impact of Poor Health Poor health is one of the biggest threats to your financial plan. Many individuals may not realize that their health can have a profound impact on their financial stability especially as they age. Throughout my career as a financial advisor I have encountered numerous clients with strong investment portfolios. However many of these clients faced significant financial challenges later in life due to health-related expenses. Contrary to popular belief their largest expenditures were not on travel or luxury items but rather on healthcare"
YouTube Link 2025-06-05T15:53Z [----] followers, [---] engagements
"TRUMP'S BIG BEAUTIFUL BILL. What Retirees Need to Know Now. The "One Big Beautiful Bill" is more than a catchy name. It's an 870-page piece of legislation that could have a big impact on your retirement plan - especially if you're already retired or planning to retire in the next decade. As the landscape of retirement planning continues to evolve understanding the implications of this significant legislation is crucial for retirees In this video David Caviness Certified Financial Planner breaks down the [--] key changes retirees need to know and how they affect your taxes Social Security"
YouTube Link 2025-08-02T11:00Z [----] followers, [--] engagements
"They Had $3M but Felt Stuck Why High Earners Still Feel Broke (And What to Do About It) Youve got the income. The investments. The spreadsheet. So why does it still feel like youre guessing In this video David Caviness CERTIFIED FINANCIAL PLANNER shares why high-achieving professionals often feel stuckeven when everything looks great on paper. From missed opportunities to delayed freedom its not about how much you have. Its about what you do with it. David breaks down: - The illusion of financial security vs. the reality of clarity - Why even $400K earners can feel broke - The hidden cost of"
YouTube Link 2025-06-21T12:25Z [----] followers, [---] engagements
"Feeling Successful but Financially Scattered Heres Whyand What to Do About It Still feel like you're flying blind when it comes to your finances In your professional career youve done everything rightsolid income growing assets maybe even some equity comp or real estate. But your financial life still feels like a Jenga tower--impressive but unstable. Hi I'm David Caviness CERTIFIED FINANCIAL PLANNER and in this video I break down why so many high-achieving professionals feel overwhelmed by their financial successand what to do about it. Youll learn: - Why complexity without strategy leads to"
YouTube Link 2025-04-26T12:15Z [----] followers, [--] engagements
"The Savings Paradox: Why Retirees Struggle More Than You Think Most people believe the hardest part of retirement is saving enough money but the real challenge begins after you retire. Its called the Savings Paradoxa psychological trap that causes millions of retirees to live far below their means not because theyre broke but because theyre afraid to spend the money theyve worked a lifetime to save. In this video Ill break down what the Savings Paradox is the research that proves its real the myths that keep retirees stuck and the strategies you can use to break free so you can finally enjoy"
YouTube Link 2025-10-03T16:12Z [----] followers, [---] engagements
"The Ultimate Guide to Sustainable Wealth Management Life doesnt follow a spreadsheetand your financial plan shouldnt either. In this video David Caviness CERTIFIED FINANCIAL PLANNER shares a better way to think about building wealth: one that actually flexes with real life. Because saving blindly and hoping for the best isnt a strategyits a gamble. Youll learn: 1/ Why most traditional financial plans fall short when life throws a curveball 2/ Three pillars of sustainable real-world planning that help you stay on track 3/ Smarter ways to save for retirement fund education protect your family"
YouTube Link 2025-06-28T12:25Z [----] followers, [---] engagements
"What's My Investing Risk Tolerance Ski & Talk I have conversations with new relationships all of the time that are simply "Frustrated." What's common among them is that they never established a real financial plan based on their particular goals and risk tolerance. This results in them frequently jumping in and out the market and looking back at long-term mediocre returns. I hope this video helps explain how I approach this situation. If you don't have a financial advisor and could use help please reach out to me I am currently taking on new clients and would love to meet and see if we're a"
YouTube Link 2024-02-21T14:18Z [---] followers, [---] engagements
"5 Things You Should Know Before Retirement Early Retirement Regrets When most people picture retirement the dream looks simple: sleeping in traveling the world sipping cocktails on a beach and living stress-free. But the truth is retirement isnt just a date on the calendarits a massive life shift filled with both joys and challenges. Whether youre still planning or already retired this video will help you prepare for the realities beyond the fantasy. Because retirement is about more than moneyits about building a meaningful life today and in the years ahead. #retirementplanning"
YouTube Link 2025-09-12T21:00Z [----] followers, [---] engagements
"Understanding the Mega Backdoor Roth IRA: Pros Cons and Considerations The Mega Backdoor Roth IRA is a strategy for high-income earners to contribute significantly more to a Roth account beyond standard limits. It can also supercharge your retirement savings and offer more tax-free flexibility. While it offers advantages like increased savings and tax diversification it also has drawbacks such as potential plan restrictions and the need for strong cash flow. Many people hear the term "backdoor Roth" and think it's a must-do strategy. This is simply not true. While it is a powerful tool it"
YouTube Link 2025-05-03T12:30Z [----] followers, [---] engagements
"Financial Planning in Your 40s: What You Must Know The Truth About Financial Planning in Your 40s: What You Must Know Most people think financial planning is just about saving more. But heres the truth: real financial security comes from flexibility. In todays unpredictable world your financial plan needs to do more than growit needs to adapt. In this new video I break down the [--] essential pillars of a future-ready financial plan: ā Retirement savings strategies that give you options ā How to fund education without sacrificing your future ā Protecting what youve built from lifes curveballs"
YouTube Link 2025-06-07T12:30Z [----] followers, [--] engagements
"How Can I Invest My Excess Business Cash Small Business Owner I work closely with many successful small business owners and early on I'm often asked: "What are my options with our excess business cash" I hope this is helpful. If you're a small business owner and could use help with your finances and are seeking a financial advisor please do not hesitate to reach out I'm currently working with many of you and I'd be happy to talk. DC -- Subscribe: https://www.youtube.com/channel/UC8cBlkvzL6VsiQLM4gRC_Dg -- David Caviness CFP on: LinkedIn: https://www.linkedin.com/in/dcaviness/ Twitter:"
YouTube Link 2023-08-30T14:20Z [---] followers, [--] engagements
"Retirement Secrets: Age 60+ Are you standing on the edge of retirement Or already in it And wondering now what The same financial habits that served you indoor 40s or 50s could be holding you back. Find out how to work through retirement successfully in this short-video with my best retirement secrets for individuals and couples over age [--]. Please visit my website to get more information: https://cavinesswealth.com/ š' . https://www.youtube.com/@cavinesswealth/sub_confirmation=1 ā
Important Link to Follow š° Newsletter Sign-up: https://cavinesswealth.com/sign-up/ š Stay Connected With"
YouTube Link 2025-05-10T10:12Z [----] followers, [---] engagements
"The #1 Mistake High Achievers Make When Planning Retirement (And How to Avoid It) For years Ive seen successful high-achieving people chase a single magic number for retirement believing that once they hit it theyll finally feel ready. But heres the truth: that number doesnt exist. In this video I share the story of one client Rob who came to me thinking he just needed to save a little more before he could retire. What he really needed was a plan not a number. Youll learn: ā Why the magic number mindset creates stress and false confidence ā What retirement actually costs (hint: it changes"
YouTube Link 2025-07-29T17:29Z [----] followers, [---] engagements
"How do you stack up Financial comparison and why it's relative. Do you ever wonder how you stack up financially The truth is that it's all relative. What works for you might not work for other people. Wonder if you need some financial help for your future Comparing to friends and family isn't the way. Let's chat. Please visit my website to get more information: https://cavinesswealth.com/ š' . https://www.youtube.com/@cavinesswealth/sub_confirmation=1 ā
Important Link to Follow š° Newsletter Sign-up: https://cavinesswealth.com/sign-up/ š Stay Connected With Me. Facebook:"
YouTube Link 2025-03-29T12:25Z [---] followers, [--] engagements
"5 SMART REASONS to File for Social Security at Age [--] When should you turn on Social Security Its one of the most important decisions in retirementand one of the most misunderstood. For years people used the break-even analysis to decide when to file but even the Social Security Administration removed it from their website after realizing it was leading to costly mistakes. In this video well break down why that method fails how factors like life expectancy cost-of-living adjustments (COLA) and spousal benefits can completely change your best strategy and when filing early might actually make"
YouTube Link 2025-10-09T21:14Z [----] followers, [----] engagements
"Understanding the Mega Backdoor Roth IRA: A Comprehensive Guide The Mega Backdoor Roth IRA has gained popularity on social media often touted as a financial cheat code for high earners looking to maximize their retirement savings. But what exactly is it and how does it work In this guide we will break down the steps involved in utilizing this strategy its benefits and important considerations to keep in mind. What is the Mega Backdoor Roth IRA The Mega Backdoor Roth IRA is a strategy that allows individuals to contribute more to their Roth IRA than the standard contribution limits. This is"
YouTube Link 2025-06-05T15:53Z [----] followers, [----] engagements
"Ready to Retire DON'T DO THIS --Insights from a CFP #retirementplanning #retireearly #retirementstrategy How do you know when you're truly ready for retirement Too many people take the advice they hear from friends co-workers or family and that is NOT the way to approach such a major life change like retirement. Watch this video for signs to see if you ARE or ARE NOT truly prepared to retire. š° Subscribe to the Newsletter to stay in touch: https://cavinesswealth.com/sign-up/ Please visit my website to get more information: https://cavinesswealth.com/ š' ."
YouTube Link 2025-03-01T14:29Z [---] followers, [---] engagements
"Afraid to Spend in Retirement Heres How to Do It Right Making the leap from saving to spending in retirement can feel overwhelming. But with the right strategy you can enjoy your retirement without second-guessing every move. In this video I walk through [--] key things to think about when building your withdrawal plan. Caviness Keys: Know your spending needs before you start pulling money out Withdraw in the right order to make your money last Watch your tax bracket to avoid surprises Plan ahead for RMDs so they dont sneak up on you Time Social Security in a way that works for your life Keep"
YouTube Link 2025-04-05T12:25Z [---] followers, [--] engagements
"Retirement: How Much Should You Have Saved by [--] Are you [--] and wondering if youre on track for #retirement Do you just want someone who can tell you the answer so you can rest easy at night Youre not alone. This is a common feeling especially because the change in your life is so big. But the good news is even if you're 5-10 years away from retirement its not too late to get clear on what you need to do next. Hi I'm David Caviness CERTIFIED FINANCIAL PLANNER and in this video I walk you through how much you should have saved by age [--] why generic rules of thumb can fall short and what really"
YouTube Link 2025-04-12T12:20Z [----] followers, [---] engagements
"The #1 Mistake High Achievers Make When Planning Retirement (And How to Avoid It) For years Ive seen successful high-achieving people chase a single magic number for retirement believing that once they hit it theyll finally feel ready. But heres the truth: that number doesnt exist. In this video I share the story of one client Rob who came to me thinking he just needed to save a little more before he could retire. What he really needed was a plan not a number. Youll learn: ā Why the magic number mindset creates stress and false confidence ā What retirement actually costs (hint: it changes"
YouTube Link 2025-07-25T12:25Z [---] followers, [---] engagements
"Financial Life Need Clarity The Importance of a Strategic Plan In today's fast-paced world many individuals find themselves navigating a complex financial landscape. If your financial life feels like a scattered collection of good decisions without a clear direction it may be time to pause and reassess. The key to achieving financial clarity lies not in adding more complexity but in developing a comprehensive plan. By recognizing the complexity that builds over time and taking proactive steps to create a strategic financial plan you can avoid the chaos that often accompanies disorganized"
YouTube Link 2025-06-05T15:53Z [----] followers, [---] engagements
"How to Stay Invested During Stock Market Volatility Client Conversations "We couldn't stomach the volatility so we moved to cash." In a recent conversation with a prospective client they revealed to me that their behavior was self sabotaging their own investment portfolio. They were in and out based on the ebb and flow of the news cycle and volatility. If this resonates with you and you could use professional help managing your finances please reach out. Client Conversations š„ -- Subscribe: https://www.youtube.com/channel/UC8cBlkvzL6VsiQLM4gRC_Dg -- David Caviness CFP on: LinkedIn:"
YouTube Link 2023-10-23T15:25Z [--] followers, [--] engagements
"Why One-Dimensional Financial Plans Fail in a Three-Dimensional World Most people build their financial plan around one ideasaving in a 401(k) minimizing taxes today or trying to guess their retirement number. But in todays world That kind of one-dimensional thinking isnt just outdatedits risky. In this video I break down what it means to have a truly flexible financial planone that adapts to changes in taxes inflation job markets and even emerging tech like AI. Youll learn how to structure your accounts across three core buckets: Pretax (for todays savings) Roth (for tax-free growth"
YouTube Link 2025-08-29T20:10Z [----] followers, [---] engagements
"Worried About MoneyEven When You're Doing Fine Heres Why Its Normal Even with a solid income or a comfortable retirement that low-level money anxiety I see it all the timeand Ive felt it myself. In this video I share two real conversations I had recently: one with a retired couple the other with a young entrepreneur. Totally different life stages. Same core worryAm I going to be okay It doesnt matter how much youve saved or how well your investments are doingif you dont have a clear adaptable plan that uneasiness never really goes away. Heres what I break down: - Why financial worry is more"
YouTube Link 2025-07-05T12:15Z [----] followers, [--] engagements
"Four Thousand Six Hundred Fifty-Three There are Four Thousand Six Hundred Fifty-Three days from the 1st day of school until the last. And a lot of time in between. Today we stroll through memory lane. -------- š' . https://www.youtube.com/@cavinesswealth/sub_confirmation=1 ā
Important Link to Follow š° Newsletter Sign-up: https://cavinesswealth.com/sign-up/ š Stay Connected With Me. Facebook: https://www.facebook.com/CavinessWealthManagement# Twitter (X): https://twitter.com/CavinessWealth Linkedin: https://www.linkedin.com/company/caviness-wealth-management-llc/ Website:"
YouTube Link 2025-05-24T13:14Z [----] followers, [---] engagements
"Don't Miss This Costly Financial Mistake The Costly Financial Mistake Couples Make Without Realizing It Theres one financial blind spot I see all the timeand its quietly costing couples thousands each year. When one spouse earns significantly more the other often gets overlooked in the savings strategy. That means: +Missed tax advantages +Underutilized retirement accounts +Inefficient planning that quietly bleeds money +The worst part Its completely avoidable. In this video Ill walk you through how couples unintentionally leave money on the tableand what to do instead to build a more"
YouTube Link 2025-06-14T13:31Z [----] followers, [---] engagements
"CERTIFIED FINANCIAL PLANNER Reveals Secrets to Hitting Financial Goals in [----] David Caviness Take control of your financial life: https://go.oncehub.com/dcaviness As we approach a new year and a fresh start it's common to set ambitious financial resolutions. But heres the truth: most of these goals dont last beyond February. Why š The Challenge: Resolutions often fail because they lack a detailed plan. Without clear guidance its easy to lose motivation. š” Heres How I Can Help You Succeed: 1/ Set SMART Goals: Together well create goals that are Specific Measurable Achievable Relevant and"
YouTube Link 2024-12-28T13:29Z [---] followers, [---] engagements
"How the Wealthy Actually Win (And Why Its Simpler Than You Think) Everyones chasing the next big thing the hot stock the secret hack the shortcut to wealth. But heres the truth: š Wealth is built on execution not gimmicks. In this video I share: ā
The biggest wealth-building myth most people believe ā
The [--] levels of execution you actually need ā
Why the wealthy keep winning even when life throws curveballs If youre tired of chasing and ready to start doing what actually works watch this. š Chapters: 00:00 The real hack to building wealth 00:18 What football taught me about money 01:00 Stop"
YouTube Link 2025-07-19T12:25Z [---] followers, [--] engagements
"š„ How the Wealthy Actually Win (And Why Its Simpler Than You Think) Everyones chasing the next big thing the hot stock the secret hack the shortcut to wealth. But heres the truth: š Wealth is built on execution not gimmicks. In this video I share: ā
The biggest wealth-building myth most people believe ā
The [--] levels of execution you actually need ā
Why the wealthy keep winning even when life throws curveballs If youre tired of chasing and ready to start doing what actually works watch this. š Chapters: 00:00 The real hack to building wealth 00:18 What football taught me about money 01:00"
YouTube Link 2025-07-29T17:23Z [----] followers, [--] engagements
"Promised High Investment Returns Dont Get Scammed. In this video I break down how a seemingly perfect investment offering "12% returns with no risk" can turn out to be a dangerous trap. I explain how to spot shady financial advisors why wise investing requires patience and strategy and how to build a reliable retirement plan without falling for investment scams. Watch now and start planning for your financial future. Caviness Keys: The hidden risks behind "too good to be true" investments The value of a second opinion before making big financial decisions How to build a stable and reliable"
YouTube Link 2025-03-22T12:25Z [---] followers, [--] engagements
"If I Claimed Social Security Again Id Do This Instead Claiming Social Security is one of the biggest financial decisions youll ever makeand its also the one most people get wrong. In this video I break down the mistakes I see over and over again what they really cost you and how to make the smartest choice for your future. Well cover why people claim early the hidden tax traps the spousal benefit impact and strategies like the golden window and reset option. Before you make your decision watch this first. #SocialSecurity #RetirementPlanning #FinancialFreedom #SocialSecurityMistakes"
YouTube Link 2025-09-19T21:00Z [----] followers, 33.9K engagements
"Retiring Under TRS Dont Fall for the Rule of [--] Myth If youre a Texas educator planning your retirement youve probably heard about the Rule of [--]. Heres the thing: its one of the most common myths I hearand its tripping people up. In this video I break down the truth about the Teacher Retirement System (TRS) rules what the Rule of [--] actually means for your retirement eligibility and where the confusion around the Rule of [--] really comes from. Ill cover: - What the Rule of [--] is (and why its still the standard for retirement) - Why the Rule of [--] only applies to a specific option: the Partial"
YouTube Link 2025-07-12T12:25Z [---] followers, [--] engagements
"Creating a Financial Roadmap for Early Retirement In today's fast-paced world many individuals and couples are contemplating early retirement. However the journey to achieving this goal is often fraught with uncertainty and anxiety. Questions arise about financial stability market fluctuations and the overall readiness to step away from work. When considering early retirement it is crucial to address several key concerns: 1/ Sufficiency of Funds: Will you have enough savings to support your lifestyle without a regular paycheck 2/ Market Volatility: How will you weather potential market"
YouTube Link 2025-06-05T15:53Z [----] followers, [--] engagements
"Are You Missing the Point of Saving Were taught to save from the moment we start earning. For retirement. For college. For the big dreams on our list. And while saving is critical theres another side of the equation we dont talk about enough spending. In this video I share why balancing saving for the future with enjoying your life today is so important and how you can start thinking about that balance in your own financial plan. Because the truth is we only have so many years when were younger healthier and able to say yes to adventure. If you want help figuring out how to create a plan that"
YouTube Link 2025-08-09T11:01Z [----] followers, [---] engagements
"This is The TOP Reason To Retire As Soon As You Can Most people believe that working longer guarantees a safer more comfortable retirement. But the truth is theres a tipping point where every extra year you work doesnt add more securityit costs you the one thing you cant replace: time. In this video I explain the law of diminishing returns in retirement why delaying too long can backfire and how to know when youve reached enough. If youve ever wondered whether one more year of work is worth it this is the video you need to see before making that decision. #RetirementPlanning #FinancialFreedom"
YouTube Link 2025-09-26T21:00Z [----] followers, [----] engagements
"Experiences are Greater Than Things Theres a theme Ive seen emerge more and more since the pandemic with those Im talking with. Experiences are greater than things. When we focus spending in areas that truly reflect our priorities the long-term payoff isnt just financial. It becomes personal fulfillment. The more your plan reflects your values the more successful and satisfying your future will feel. š Stay Connected With Me. Linkedin: https://www.linkedin.com/in/dcaviness/ Website: https://cavinesswealth.com/ ================================= š Related Phrases: #values #experiences #money"
YouTube Link 2025-08-16T03:39Z [----] followers, [--] engagements
"The Truth About "Be Your Own Banker" Using Life Insurance Financial Myth Debunked Have you heard about "becoming your own banker" through life insurance In this eye-opening video David Caviness CERTIFIED FINANCIAL PLANNER breaks down this popular but often misunderstood financial strategy. Learn why using whole life insurance as an investment vehicle might not be the smart money move many agents claim it is. David cuts through the marketing hype to reveal three major problems with the "be your own banker" approach: - The high costs and fees that eat into your returns for years - Why"
YouTube Link 2025-05-31T12:25Z [----] followers, [---] engagements
"I'm Afraid to Invest Because the Stock Market Might Crash Walk & Talk I'm Afraid to Invest Because the Stock Market Might Crash Walk & Talk I recently heard from an investor: "This feels easy (good) now but what's the plan when the stock market crashes" Here's a couple minutes on how I explain this to clients. If you don't have a financial advisor and could use help please reach out to me I am currently taking on new clients and would love to meet and see if we're a great fit. Walk & Talk š„ I'm Afraid to Invest Because the Stock Market Might Crash Walk & Talk -- Subscribe:"
YouTube Link 2024-04-12T13:01Z [---] followers, [---] engagements
"Pension vs 401k vs Social Security: Which Should You Take First You could pull $20000 from your retirement account and accidentally create $37000 of taxable income. Sounds impossible but it happens all the timeand most retirees dont realize it until the IRS bill shows up. In this video I break down why the order you take income in retirement matters more than the amount you saved and how claiming Social Security pension income and 401(k) withdrawals in the wrong sequence can trigger hidden tax traps like the Social Security tax torpedo Medicare IRMAA surcharges and extra investment taxes."
YouTube Link 2026-02-13T23:45Z [----] followers, [---] engagements
"5 Years From Retirement Do These [--] Things Now Two people can hit retirement with the same income and savings but five years later one feels confident and free while the other is stressed and second-guessing every purchase. Thats because the final [--] years before retirement is the retirement red zone where small mistakes become permanent. In this video I break down the [--] most important moves you need to make before you retiresaving aggressively building an income plan protecting against market volatility optimizing taxes and designing a lifestyle you actually want. And pay close attention to"
YouTube Link 2026-02-04T18:06Z [----] followers, 16.7K engagements
"The ROTH Conversion TRAP That Destroyed $1M in Tax-Free Wealth Roth conversions arent about chasing the lowest tax bracket theyre about timing tradeoffs and long-term compounding. In this video we break down the biggest Roth conversion trap why waiting can quietly cost you years of tax-free growth and how paying conversion taxes the right way can dramatically change the outcome. This is about comparing todays known tax rate to tomorrows unknown one and getting the timing right. #RothConversion #RetirementPlanning #TaxPlanning #RothIRA #FinancialPlanning #RetirementTaxes #WealthStrategy"
YouTube Link 2026-01-30T23:30Z [----] followers, [---] engagements
"Sell These [--] Things BEFORE You Retire Retirement isnt about giving things up its about clearing space for what actually matters. In this video we walk through the hidden costs of owning too much the real tradeoffs of management-heavy real estate the danger of over-supporting adult children and a simple framework to decide what to let go of before retirement. The goal isnt deprivation. Its freedom flexibility and protecting your healthiest years. #RetirementPlanning #RetirementLifestyle #FinancialFreedom #Downsizing #RetirementMindset #LifeAfterWork #RetirementDecisions #WealthPlanning"
YouTube Link 2026-01-23T23:30Z [----] followers, [---] engagements
"What To Do With 401k Money at Retirement Most retirees overlook one powerful opportunity hiding inside their 401(k): after-tax dollars. In this video we break down how after-tax 401(k) money can often be rolled into a Roth IRA why this strategy can be one of the cleanest ways to build tax-free income later in life and how thinking of your IRA as a retirement operating system can completely change how your money works for you. If youre approaching retirement this is a decision you dont want to rush. #RetirementPlanning #401k #RothIRA #IRArollover #TaxPlanning #AfterTax401k #RetirementIncome"
YouTube Link 2026-01-13T11:37Z [----] followers, [---] engagements
"My Honest Advice To Anyone Working Past [--] Most people dont realize it but the years between [--] and [--] are the most dangerous decade of your financial lifenot because of money but because of time. This video breaks down why these years matter so much the regret pattern financial advisors see all the time and how to balance financial enough with actually living your life while you still have the health energy and freedom to enjoy it. If youre working past [--] this is the message you need before another year slips by. #retirementplanning #financialindependence #workoptional #lifeafter55"
YouTube Link 2026-01-09T21:30Z [----] followers, [---] engagements
"Retiring With Pension & Social Security - [--] Things You NEED to Know If youre retiring with both a pension and Social Security youve got one of the strongest foundations in retirementbut most people still make three major mistakes that shrink their income over time. In this video we break down the key things to know about income vs. expenses inflation risk and why most retirees underestimate their real spending plus a bonus mistake almost no one checks until its too late. If youre within [----] years of retirement now is the time to get clarity. #retirementplanning #pension #socialsecurity"
YouTube Link 2025-12-29T20:46Z [----] followers, 194.7K engagements
"The Hidden Social Security Math No One Explains to Retirees Most retirees dont realize this but the Social Security break-even age calculators you see online are misleading you and in many cases flat-out lying. In this video I reveal the hidden math behind claiming at [--] vs. [--] and show why the traditional advice to always wait until [--] is often financially devastating. Once you factor in the time value of money portfolio growth real-life longevity odds and sequence of returns risk the true break-even age jumps into the late 80s or even mid-90s meaning 95% of retirees will never actually"
YouTube Link 2025-12-19T23:30Z [----] followers, [----] engagements
"Retirees Have NO CLUE This Tax Strategy Exists Most retirees have no idea they can legally earn up to $126000 of total income in [----] and pay zero federal tax on long-term capital gains but this strategy is one of the biggest tax opportunities in early retirement. In this video I break down how the 0% capital gains bracket works for both singles and married couples how the standard deduction boosts your tax-free limit and a real case study of a retired couple generating $252000 of income completely tax-free. We walk step-by-step through cost-basis resets tax-gain harvesting and how to combine"
YouTube Link 2025-12-12T00:06Z [----] followers, [----] engagements
"Retire at [--] Shocking Average Savings vs. The REAL Number You Need If youve ever wondered how much you actually need to retire at [--] this video will completely shift the way you think about retirement. Right now nearly half of Americans believe theyll never save enough but the real problem isnt their savings its the outdated benchmarks and one-size-fits-all formulas that create unnecessary fear. In this breakdown we unpack why the popular 8x rule can force you to work years longer than needed how real retirement spending follows a natural curve and why factoring in Social Security"
YouTube Link 2025-12-04T15:20Z [----] followers, [---] engagements
"What No One Tells You About Early Retirement [--] Secrets You Need to Know Before Retiring Early Everyone talks about how to retire early but no one talks about what happens after you do. In this video Certified Financial Planner David Caviness reveals seven powerful truths about early retirement that most people never hear until its too late. From the emotional shock of losing your identity and structure to the challenge of shifting from saving to spending and even how early retirement can impact your relationships and sense of purpose this video breaks down the real-life side of financial"
YouTube Link 2025-11-28T23:00Z [----] followers, [---] engagements
"The Hidden Retirement Traps Waiting at [--] (And How to Avoid Them) Turning [--] might feel like just another birthday but financially its one of the most critical milestones of your entire life. In this video Certified Financial Planner David Caviness breaks down the key decisions youll face at this age from when to claim Social Security to how to withdraw your savings and handle health insurance and how getting them wrong could cost you tens of thousands of dollars over time. Youll learn about the hidden traps most people dont see coming why some choices at [--] cant be undone and the smartest"
YouTube Link 2025-11-21T23:00Z [----] followers, [----] engagements
"Shocking Retirement Stats You Have to See to Believe Theres a retirement stat out there that completely changes how you think about what enough really means and in this video Certified Financial Planner David Caviness breaks it all down. Youll see the real numbers behind how much Americans actually have saved why so many fall short and what separates those who retire confidently from those who struggle. From inflation and taxes to income gaps and financial habits David reveals the truth behind the million-dollar myth and the behavioral traits that build lasting wealth. Plus he shares a 4-step"
YouTube Link 2025-11-14T23:00Z [----] followers, [---] engagements
"Retire TODAY If You Answer "YES" to All [--] Questions Ever catch yourself wondering Why am I still working In this video Certified Financial Planner David Caviness walks you through six powerful questions that can help reveal if youre truly ready to retire right now. From assessing your health family priorities and sense of purpose to evaluating whether your finances can support the lifestyle you want this isnt just about moneyits about timing and confidence. Youll learn how to break free from the one more year mindset balance todays life with tomorrows security and finally decide if its time"
YouTube Link 2025-11-07T23:00Z [----] followers, 10.3K engagements
"How to Retire at 62: You Must Know THESE NUMBERS What if youre [----] months from retiring at [--] but arent sure if your numbers truly work In this video I'll walk through a real case studyErin age 61showing how to map income needs model expenses plan withdrawals and project portfolio growth from [--] through age [--]. Youll see exactly how $1.3M across accounts $72K annual spending and a $28K Social Security benefit play out over time how inflation changes the picture and why a steady drawdown can be a sign of a healthy plan. Ill also compare retiring at [--] vs. working part-time and delaying Social"
YouTube Link 2025-10-29T17:56Z [----] followers, [---] engagements
"What Month SHOULD YOU Retire Get the Timing Right When should you retire Its one of the most important financial decisions youll ever make and getting it wrong could quietly cost you tens of thousands of dollars. In this video we break down how to pick the right retirement date by aligning your taxes Medicare Social Security and investment timing. Youll learn why retiring at the end of the year could trigger a surprise tax avalanche the smartest months to retire how key ages like [--] [--] and [--] can change everything and the most common mistakes people make when picking their date. Dont guess"
YouTube Link 2025-10-22T03:23Z [----] followers, [----] engagements
"The PROVEN STRATEGY to Minimize Taxes in Retirement Most retirees are quietly handing over tens of thousands of dollars to the IRS every single year and they dont even realize it. In fact the difference between the average retiree and the smart retiree can be so dramatic that it honestly feels like cheating. While many people pay 20%-30% of their retirement income in taxes unnecessarily those who know the right strategies often cut that bill in half or more. The scary part These hidden taxes hit hardest in retirement when you can least afford them. In todays video Im exposing the traps that"
YouTube Link 2025-10-17T16:59Z [----] followers, 30.3K engagements
"5 SMART REASONS to File for Social Security at Age [--] When should you turn on Social Security Its one of the most important decisions in retirementand one of the most misunderstood. For years people used the break-even analysis to decide when to file but even the Social Security Administration removed it from their website after realizing it was leading to costly mistakes. In this video well break down why that method fails how factors like life expectancy cost-of-living adjustments (COLA) and spousal benefits can completely change your best strategy and when filing early might actually make"
YouTube Link 2025-10-09T21:14Z [----] followers, [----] engagements
"The Savings Paradox: Why Retirees Struggle More Than You Think Most people believe the hardest part of retirement is saving enough money but the real challenge begins after you retire. Its called the Savings Paradoxa psychological trap that causes millions of retirees to live far below their means not because theyre broke but because theyre afraid to spend the money theyve worked a lifetime to save. In this video Ill break down what the Savings Paradox is the research that proves its real the myths that keep retirees stuck and the strategies you can use to break free so you can finally enjoy"
YouTube Link 2025-10-03T16:12Z [----] followers, [---] engagements
"This is The TOP Reason To Retire As Soon As You Can Most people believe that working longer guarantees a safer more comfortable retirement. But the truth is theres a tipping point where every extra year you work doesnt add more securityit costs you the one thing you cant replace: time. In this video I explain the law of diminishing returns in retirement why delaying too long can backfire and how to know when youve reached enough. If youve ever wondered whether one more year of work is worth it this is the video you need to see before making that decision. #RetirementPlanning #FinancialFreedom"
YouTube Link 2025-09-26T21:00Z [----] followers, [----] engagements
"If I Claimed Social Security Again Id Do This Instead Claiming Social Security is one of the biggest financial decisions youll ever makeand its also the one most people get wrong. In this video I break down the mistakes I see over and over again what they really cost you and how to make the smartest choice for your future. Well cover why people claim early the hidden tax traps the spousal benefit impact and strategies like the golden window and reset option. Before you make your decision watch this first. #SocialSecurity #RetirementPlanning #FinancialFreedom #SocialSecurityMistakes"
YouTube Link 2025-09-19T21:00Z [----] followers, 33.9K engagements
"5 Things You Should Know Before Retirement Early Retirement Regrets When most people picture retirement the dream looks simple: sleeping in traveling the world sipping cocktails on a beach and living stress-free. But the truth is retirement isnt just a date on the calendarits a massive life shift filled with both joys and challenges. Whether youre still planning or already retired this video will help you prepare for the realities beyond the fantasy. Because retirement is about more than moneyits about building a meaningful life today and in the years ahead. #retirementplanning"
YouTube Link 2025-09-12T21:00Z [----] followers, [---] engagements
"Why Having a Pension in Retirement Changes EVERYTHING Do you ever feel like retirement planning always comes down to one formula: save in a 401(k) add Social Security and hope its enough That works for many peoplebut not if you have a pension. A pension changes everything: how much you need to save when you can retire how you invest and even whether you need to keep working at all. In this video Ill break down why a pension transforms retirement planning and the three strategies every pension holder needs to get right: How pensions reduce the amount you actually need to save. Why a pension"
YouTube Link 2025-09-05T22:00Z [----] followers, 645.9K engagements
"Why One-Dimensional Financial Plans Fail in a Three-Dimensional World Most people build their financial plan around one ideasaving in a 401(k) minimizing taxes today or trying to guess their retirement number. But in todays world That kind of one-dimensional thinking isnt just outdatedits risky. In this video I break down what it means to have a truly flexible financial planone that adapts to changes in taxes inflation job markets and even emerging tech like AI. Youll learn how to structure your accounts across three core buckets: Pretax (for todays savings) Roth (for tax-free growth"
YouTube Link 2025-08-29T20:10Z [----] followers, [---] engagements
"Can I Retire at [--] Here's What It Takes Wondering if you can walk away from work at [--] In this video I walk through a real-world case study of a couple in their mid-40s aiming to retire in [--] years with $14000/month of income. You'll see how disciplined saving smart investment strategies and intentional planning turned their goal into a realitywith a projected $5.87M in assets and $19500/month in income (before even counting Social Security). š Well cover: How to evaluate if you can retire early The importance of tax diversification Why having a defined income goal matters What a realistic"
YouTube Link 2025-08-22T18:04Z [----] followers, [---] engagements
"Experiences are Greater Than Things Theres a theme Ive seen emerge more and more since the pandemic with those Im talking with. Experiences are greater than things. When we focus spending in areas that truly reflect our priorities the long-term payoff isnt just financial. It becomes personal fulfillment. The more your plan reflects your values the more successful and satisfying your future will feel. š Stay Connected With Me. Linkedin: https://www.linkedin.com/in/dcaviness/ Website: https://cavinesswealth.com/ ================================= š Related Phrases: #values #experiences #money"
YouTube Link 2025-08-16T03:39Z [----] followers, [--] engagements
"Are You Missing the Point of Saving Were taught to save from the moment we start earning. For retirement. For college. For the big dreams on our list. And while saving is critical theres another side of the equation we dont talk about enough spending. In this video I share why balancing saving for the future with enjoying your life today is so important and how you can start thinking about that balance in your own financial plan. Because the truth is we only have so many years when were younger healthier and able to say yes to adventure. If you want help figuring out how to create a plan that"
YouTube Link 2025-08-09T11:01Z [----] followers, [---] engagements
"The Biggest Mistake Investors Make (and it's not what you think) I've been a financial advisor for [--] years. There's one mistake I see people make time and time again. We fully fund our retirement accounts at work. We fully fund our IRA's and HSA's. We're allocating money to our kids college savings accounts. And now we've maxed out our investable dollars. There's no more to go around. š' . https://www.youtube.com/@cavinesswealth/sub_confirmation=1 š° Newsletter Sign-up: https://cavinesswealth.com/sign-up/ š Stay Connected With Me. Linkedin: https://www.linkedin.com/in/dcaviness/"
YouTube Link 2025-08-06T15:10Z [----] followers, [---] engagements
"TRUMP'S BIG BEAUTIFUL BILL. What Retirees Need to Know Now. The "One Big Beautiful Bill" is more than a catchy name. It's an 870-page piece of legislation that could have a big impact on your retirement plan - especially if you're already retired or planning to retire in the next decade. As the landscape of retirement planning continues to evolve understanding the implications of this significant legislation is crucial for retirees In this video David Caviness Certified Financial Planner breaks down the [--] key changes retirees need to know and how they affect your taxes Social Security"
YouTube Link 2025-08-02T11:00Z [----] followers, [--] engagements
"The #1 Mistake High Achievers Make When Planning Retirement (And How to Avoid It) For years Ive seen successful high-achieving people chase a single magic number for retirement believing that once they hit it theyll finally feel ready. But heres the truth: that number doesnt exist. In this video I share the story of one client Rob who came to me thinking he just needed to save a little more before he could retire. What he really needed was a plan not a number. Youll learn: ā Why the magic number mindset creates stress and false confidence ā What retirement actually costs (hint: it changes"
YouTube Link 2025-07-29T17:29Z [----] followers, [---] engagements
"š„ How the Wealthy Actually Win (And Why Its Simpler Than You Think) Everyones chasing the next big thing the hot stock the secret hack the shortcut to wealth. But heres the truth: š Wealth is built on execution not gimmicks. In this video I share: ā
The biggest wealth-building myth most people believe ā
The [--] levels of execution you actually need ā
Why the wealthy keep winning even when life throws curveballs If youre tired of chasing and ready to start doing what actually works watch this. š Chapters: 00:00 The real hack to building wealth 00:18 What football taught me about money 01:00"
YouTube Link 2025-07-29T17:23Z [----] followers, [--] engagements
"Retiring Under TRS Dont Fall for the Rule of [--] Myth If youre a Texas educator planning your retirement youve probably heard about the Rule of [--]. Heres the thing: its one of the most common myths I hearand its tripping people up. In this video I break down the truth about the Teacher Retirement System (TRS) rules what the Rule of [--] actually means for your retirement eligibility and where the confusion around the Rule of [--] really comes from. Ill cover: - What the Rule of [--] is (and why its still the standard for retirement) - Why the Rule of [--] only applies to a specific option: the Partial"
YouTube Link 2025-07-29T17:15Z [----] followers, [----] engagements
"Worried About MoneyEven When You're Doing Fine Heres Why Its Normal Even with a solid income or a comfortable retirement that low-level money anxiety I see it all the timeand Ive felt it myself. In this video I share two real conversations I had recently: one with a retired couple the other with a young entrepreneur. Totally different life stages. Same core worryAm I going to be okay It doesnt matter how much youve saved or how well your investments are doingif you dont have a clear adaptable plan that uneasiness never really goes away. Heres what I break down: - Why financial worry is more"
YouTube Link 2025-07-05T12:15Z [----] followers, [--] engagements
"The Ultimate Guide to Sustainable Wealth Management Life doesnt follow a spreadsheetand your financial plan shouldnt either. In this video David Caviness CERTIFIED FINANCIAL PLANNER shares a better way to think about building wealth: one that actually flexes with real life. Because saving blindly and hoping for the best isnt a strategyits a gamble. Youll learn: 1/ Why most traditional financial plans fall short when life throws a curveball 2/ Three pillars of sustainable real-world planning that help you stay on track 3/ Smarter ways to save for retirement fund education protect your family"
YouTube Link 2025-06-28T12:25Z [----] followers, [---] engagements
"They Had $3M but Felt Stuck Why High Earners Still Feel Broke (And What to Do About It) Youve got the income. The investments. The spreadsheet. So why does it still feel like youre guessing In this video David Caviness CERTIFIED FINANCIAL PLANNER shares why high-achieving professionals often feel stuckeven when everything looks great on paper. From missed opportunities to delayed freedom its not about how much you have. Its about what you do with it. David breaks down: - The illusion of financial security vs. the reality of clarity - Why even $400K earners can feel broke - The hidden cost of"
YouTube Link 2025-06-21T12:25Z [----] followers, [---] engagements
"Don't Miss This Costly Financial Mistake The Costly Financial Mistake Couples Make Without Realizing It Theres one financial blind spot I see all the timeand its quietly costing couples thousands each year. When one spouse earns significantly more the other often gets overlooked in the savings strategy. That means: +Missed tax advantages +Underutilized retirement accounts +Inefficient planning that quietly bleeds money +The worst part Its completely avoidable. In this video Ill walk you through how couples unintentionally leave money on the tableand what to do instead to build a more"
YouTube Link 2025-06-14T13:31Z [----] followers, [---] engagements
"Financial Planning in Your 40s: What You Must Know The Truth About Financial Planning in Your 40s: What You Must Know Most people think financial planning is just about saving more. But heres the truth: real financial security comes from flexibility. In todays unpredictable world your financial plan needs to do more than growit needs to adapt. In this new video I break down the [--] essential pillars of a future-ready financial plan: ā Retirement savings strategies that give you options ā How to fund education without sacrificing your future ā Protecting what youve built from lifes curveballs"
YouTube Link 2025-06-07T12:30Z [----] followers, [--] engagements
"Staying Healthy: The Financial Impact of Poor Health Poor health is one of the biggest threats to your financial plan. Many individuals may not realize that their health can have a profound impact on their financial stability especially as they age. Throughout my career as a financial advisor I have encountered numerous clients with strong investment portfolios. However many of these clients faced significant financial challenges later in life due to health-related expenses. Contrary to popular belief their largest expenditures were not on travel or luxury items but rather on healthcare"
YouTube Link 2025-06-05T15:53Z [----] followers, [---] engagements
"Understanding the Mega Backdoor Roth IRA: A Comprehensive Guide The Mega Backdoor Roth IRA has gained popularity on social media often touted as a financial cheat code for high earners looking to maximize their retirement savings. But what exactly is it and how does it work In this guide we will break down the steps involved in utilizing this strategy its benefits and important considerations to keep in mind. What is the Mega Backdoor Roth IRA The Mega Backdoor Roth IRA is a strategy that allows individuals to contribute more to their Roth IRA than the standard contribution limits. This is"
YouTube Link 2025-06-05T15:53Z [----] followers, [----] engagements
"Financial Life Need Clarity The Importance of a Strategic Plan In today's fast-paced world many individuals find themselves navigating a complex financial landscape. If your financial life feels like a scattered collection of good decisions without a clear direction it may be time to pause and reassess. The key to achieving financial clarity lies not in adding more complexity but in developing a comprehensive plan. By recognizing the complexity that builds over time and taking proactive steps to create a strategic financial plan you can avoid the chaos that often accompanies disorganized"
YouTube Link 2025-06-05T15:53Z [----] followers, [---] engagements
"Creating a Financial Roadmap for Early Retirement In today's fast-paced world many individuals and couples are contemplating early retirement. However the journey to achieving this goal is often fraught with uncertainty and anxiety. Questions arise about financial stability market fluctuations and the overall readiness to step away from work. When considering early retirement it is crucial to address several key concerns: 1/ Sufficiency of Funds: Will you have enough savings to support your lifestyle without a regular paycheck 2/ Market Volatility: How will you weather potential market"
YouTube Link 2025-06-05T15:53Z [----] followers, [--] engagements
"The Truth About "Be Your Own Banker" Using Life Insurance Financial Myth Debunked Have you heard about "becoming your own banker" through life insurance In this eye-opening video David Caviness CERTIFIED FINANCIAL PLANNER breaks down this popular but often misunderstood financial strategy. Learn why using whole life insurance as an investment vehicle might not be the smart money move many agents claim it is. David cuts through the marketing hype to reveal three major problems with the "be your own banker" approach: - The high costs and fees that eat into your returns for years - Why"
YouTube Link 2025-05-31T12:25Z [----] followers, [---] engagements
"Four Thousand Six Hundred Fifty-Three There are Four Thousand Six Hundred Fifty-Three days from the 1st day of school until the last. And a lot of time in between. Today we stroll through memory lane. -------- š' . https://www.youtube.com/@cavinesswealth/sub_confirmation=1 ā
Important Link to Follow š° Newsletter Sign-up: https://cavinesswealth.com/sign-up/ š Stay Connected With Me. Facebook: https://www.facebook.com/CavinessWealthManagement# Twitter (X): https://twitter.com/CavinessWealth Linkedin: https://www.linkedin.com/company/caviness-wealth-management-llc/ Website:"
YouTube Link 2025-05-24T13:14Z [----] followers, [---] engagements
"Understanding Spending in Retirement: Embracing Financial Freedom Retirement is often viewed as a time to relax and enjoy the fruits of ones labor. However many retirees find themselves grappling with the concept of spending their hard-earned savings. After years of careful budgeting and saving the transition to spending can feel awkward and even wrong. The key is to shift the perspective on spending from one of guilt to one of joy and generosity. To facilitate this shift it is essential to create a comprehensive retirement income plan. This plan should include: 1/ Withdrawal Strategy 2/ Tax"
YouTube Link 2025-05-21T21:45Z [----] followers, [--] engagements
""How Much Do I Need to Retire Early" [--] Steps to Find Your Early Retirement Number If you're a high earner considering early retirement you've likely pondered the crucial question: how much do I actually need to retire With countless opinions available online including the [--] times rule and the 4% rule it can be overwhelming. This video simplifies the process into three actionable steps to help you determine your personal retirement number tailored to your unique lifestyle and financial situation. Please visit my website to get more information: https://cavinesswealth.com/ š' ."
YouTube Link 2025-05-17T12:25Z [----] followers, [--] engagements
"Retirement Secrets: Age 60+ Are you standing on the edge of retirement Or already in it And wondering now what The same financial habits that served you indoor 40s or 50s could be holding you back. Find out how to work through retirement successfully in this short-video with my best retirement secrets for individuals and couples over age [--]. Please visit my website to get more information: https://cavinesswealth.com/ š' . https://www.youtube.com/@cavinesswealth/sub_confirmation=1 ā
Important Link to Follow š° Newsletter Sign-up: https://cavinesswealth.com/sign-up/ š Stay Connected With"
YouTube Link 2025-05-10T10:12Z [----] followers, [---] engagements
"Understanding the Mega Backdoor Roth IRA: Pros Cons and Considerations The Mega Backdoor Roth IRA is a strategy for high-income earners to contribute significantly more to a Roth account beyond standard limits. It can also supercharge your retirement savings and offer more tax-free flexibility. While it offers advantages like increased savings and tax diversification it also has drawbacks such as potential plan restrictions and the need for strong cash flow. Many people hear the term "backdoor Roth" and think it's a must-do strategy. This is simply not true. While it is a powerful tool it"
YouTube Link 2025-05-03T12:30Z [----] followers, [---] engagements
"Feeling Successful but Financially Scattered Heres Whyand What to Do About It Still feel like you're flying blind when it comes to your finances In your professional career youve done everything rightsolid income growing assets maybe even some equity comp or real estate. But your financial life still feels like a Jenga tower--impressive but unstable. Hi I'm David Caviness CERTIFIED FINANCIAL PLANNER and in this video I break down why so many high-achieving professionals feel overwhelmed by their financial successand what to do about it. Youll learn: - Why complexity without strategy leads to"
YouTube Link 2025-04-26T12:15Z [----] followers, [--] engagements
"Worried About Retiring in a Volatile Market Watch This First. #retirement #marketanalysis #marketnews Concerned about the market's ups and downs this year Wondering if you're going to be ok Market volatility can trigger doubteven with a solid plan. That's why it's important to "stress test" your retirement portfolio or even get a second opinion on your retirement plan. Hi I'm David Caviness CERTIFIED FINANCIAL PLANNER and in this video I share the real life story of Nick and Sarahtwo successful professionals in their 50s wondering if they could confidently retire early despite recent market"
YouTube Link 2025-04-19T12:25Z [----] followers, [---] engagements
"Retirement: How Much Should You Have Saved by [--] Are you [--] and wondering if youre on track for #retirement Do you just want someone who can tell you the answer so you can rest easy at night Youre not alone. This is a common feeling especially because the change in your life is so big. But the good news is even if you're 5-10 years away from retirement its not too late to get clear on what you need to do next. Hi I'm David Caviness CERTIFIED FINANCIAL PLANNER and in this video I walk you through how much you should have saved by age [--] why generic rules of thumb can fall short and what really"
YouTube Link 2025-04-12T12:20Z [----] followers, [---] engagements
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