#  @seetheforestthroughthetrees See the Forest Through the Trees See the Forest Through the Trees posts on YouTube about retirement, financial planner, finance, business the most. They currently have [------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours. ### Engagements: [------] [#](/creator/youtube::UC13s0hQVkEv-azgzhOe8QXA/interactions)  - [--] Week [------] +38% - [--] Month [-------] -5.30% - [--] Months [---------] -24% - [--] Year [---------] +33% ### Mentions: [--] [#](/creator/youtube::UC13s0hQVkEv-azgzhOe8QXA/posts_active)  - [--] Week [--] +174% - [--] Month [--] +120% - [--] Months [--] +14% - [--] Year [--] +45% ### Followers: [------] [#](/creator/youtube::UC13s0hQVkEv-azgzhOe8QXA/followers)  - [--] Week [------] +0.37% - [--] Month [------] +2.50% - [--] Months [------] +24% - [--] Year [------] +196% ### CreatorRank: [-------] [#](/creator/youtube::UC13s0hQVkEv-azgzhOe8QXA/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [countries](/list/countries) [technology brands](/list/technology-brands) [stocks](/list/stocks) [celebrities](/list/celebrities) [automotive brands](/list/automotive-brands) [financial services](/list/financial-services) [nba](/list/nba) [social networks](/list/social-networks) [us election](/list/us-election) **Social topic influence** [retirement](/topic/retirement) #320, [financial planner](/topic/financial-planner) #39, [finance](/topic/finance) #823, [business](/topic/business) #2980, [financial](/topic/financial) #500, [forest](/topic/forest) #1506, [trees](/topic/trees), [how to](/topic/how-to), [retire](/topic/retire), [money](/topic/money) **Top accounts mentioned or mentioned by** [@celestialwealthmgmt](/creator/undefined) ### Top Social Posts Top posts by engagements in the last [--] hours "Pros and Cons of High Yield Savings Accounts - You Won't Believe What We Found In this video High Yield Savings Accounts are explained by Colin Exelby CFP giving you the pros and the cons. It seems that almost weekly I have a conversation with someone about finances and I ask do you have a high yield savings account and the answer is no. According to a recent survey from Time Magazines NextAdvisor Just 21% of adults with bank accounts have a high yield savings account. And 35% of people put money directly into low yield savings accounts at a traditional brick and mortar bank. Lets fix that." [YouTube Link](https://youtube.com/watch?v=8mCYXuGzM-U) 2023-01-26T18:00Z 81K followers, 222K engagements "401k Loans Explained (You Should Take them More Often Than You May Think) Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Should You Borrow against your 401(k) In this video CERTIFIED FINANCIAL PLANNER Professional Colin Exelby discusses this controversial topic. Some people think 401k loans are great planning tools and others say they are horrible. Which is it Have you ever been told never ever borrow against your 401k Were you taught this by your parents Did some financial advisor tell you that Did you ask why In my opinion taking a 401k loan or TSP loan" [YouTube Link](https://youtube.com/watch?v=3ZaKqHL-U_g) 2022-07-21T17:00Z 81K followers, 102.8K engagements "Avoid the Retirement Tax Trap: Find Your Ideal IRA & 401(k) Balance (2026) Most people dont realize theres an ideal amount to keep in pre-tax retirement accountsand going above or below it can dramatically increase your lifetime tax bill. In this video I show couples and single retirees how to find their sweet spot for truly tax-free income by aligning RMDs Social Security taxation and the standard deduction. Youll see real examples why the traditional max out pre-tax advice often backfires and how to calculate the exact IRA balance that keeps your withdrawals tax-free. If you want a" [YouTube Link](https://youtube.com/watch?v=7zTXncvmk4k) 2025-12-05T20:39Z 81K followers, 52.8K engagements "No Taxes on Social Security What You Need to Know In this video Colin Exelby CFP breaks down Trump's plan for eliminating taxes on Social Security. Nearly 40% of retirees pay taxes on their benefits despite contributing 12.4% of their income for years. Now Trump is proposing to eliminate these taxespotentially the biggest Social Security change in [--] years. But can America afford it Will it actually happen Support the Channel by Becoming a Community Member 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join #SocialSecurity #Retirement #Trump #Taxes #PersonalFinance #Wealth" [YouTube Link](https://youtube.com/watch?v=Eg1LvgurJ8A) 2025-03-13T14:24Z 81K followers, 79.8K engagements "The BEST REASON to Retire As Soon As Possible In this video Colin Exelby CFP explains the top reason you should consider retirement sooner rather than later. If youve saved enough to retire waiting longer might be the biggest mistake you ever make. Money gives you security and freedom but once you reach enough extra years of work dont add real value they only cost you time. In this video Ill show you why your healthiest most vibrant years are too precious to trade for money you may never use and why retiring sooner could change your life. #RetirementPlanning #FinancialFreedom #RetireEarly" [YouTube Link](https://youtube.com/watch?v=HQdumbrkbfc) 2025-08-22T20:30Z 81K followers, 76.3K engagements "How Much of Your Social Security Income Will Be Taxed. A Second Time In this video Colin Exelby CFP breaks down how social security is taxed and he provides three specific examples of social security taxation in retirement. Want to know if your Social Security benefits will be taxed In this video I break down the government's complex formula that determines how muchif anyof your Social Security is taxable. While some retirees pay taxes on up to 85% of their benefits others pay nothing at all. And its not just the wealthy getting hitnearly 40% of Americans are taxed on their Social Security" [YouTube Link](https://youtube.com/watch?v=K0oyEadmIe4) 2025-03-07T16:24Z 81K followers, 76.6K engagements "Should You Pay Off Your Mortgage Early or Invest (Real Life Example) Should you pay off your mortgage earlyor keep it and invest instead In this video we break down both sides using real numbers based on todays interest rates expected investment returns and even a real client scenario. Youll learn about mortgage efficiency how to compare debt costs to investment potential and the emotional side of being debt-free. By the end youll know exactly how to decide whats right for your situationwhether thats paying it off investing the difference or taking a balanced approach. #mortgage #mortgagetips" [YouTube Link](https://youtube.com/watch?v=PaApskRrlpU) 2025-08-08T20:00Z 81K followers, 17.3K engagements "7 Traps Investors Worry About That Dont Actually Matter Also called: Selective Indifference in Investing. In this video CFP professional Colin Exelby explains the concept of selective indifference in investing the practice of intentionally ignoring short-term market information that does not affect long-term financial outcomes. Many investors believe success comes from predicting markets or reacting quickly to economic news. In reality long-term investment success is driven primarily by behavior: staying invested avoiding panic decisions and following a consistent financial plan. Topics" [YouTube Link](https://youtube.com/watch?v=QYagO5dTvNw) 2026-02-13T21:15Z 81K followers, [---] engagements "4 Things you MUST KNOW if You're Retiring With A Pension In this video Colin Exelby CFP explains how a pension changes your retirement planning. Retirement planning looks completely different when you have a pension and only 24% of working Americans do. That extra stream of guaranteed income can be a huge advantage but it also comes with unique challenges for taxes Social Security timing survivor benefits and investing. In this video well cover the four biggest things every pension holder must know: understanding exactly how your pension works avoiding tax traps (including the widows penalty)" [YouTube Link](https://youtube.com/watch?v=ZAssP8_dHV8) 2025-08-15T16:42Z 81K followers, 208.8K engagements "Social Security Spousal Benefit Mistakes (The Truth Will Surprise You) In this video Colin Exelby CFP breaks down how spousal social security works. You may have heard that spousal Social Security benefits can pay up to half of your spouses benefitbut thats not always how it works. In fact many people are surprised when they receive much less than expected often because they misunderstood the rules or listened to outdated advice. In this video I break down exactly how spousal benefits are calculated the common misconceptions around getting half and why timing matters more than most people" [YouTube Link](https://youtube.com/watch?v=ZmjUpG1GM28) 2025-07-11T20:00Z 81K followers, 17.3K engagements "Retiring Soon Heres What to Do With Your 401(k) What to do with your 401(k) at retirement This is one of the biggest (and most stressful) financial decisions retirees face and the wrong move can trigger massive taxes or cost you long-term control. In this video I break down the three real options you have with your 401(k) explain how each one works and show you why rolling into an IRA is often the most flexible choice. I also share a free e-book that lays everything out side by side so you can choose confidently and avoid costly mistakes. ★☆★Get My Free E-Book.➡" [YouTube Link](https://youtube.com/watch?v=d0mXVn6A8Ck) 2025-12-19T21:30Z 81K followers, 56.1K engagements "5 High-Yield Savings Mistakes I Made (So You Don't Have To) In this video Colin Exelby CFP explains [--] things you need to know before opening up a High Yield Savings Account. I've had a high-yield savings account since [----]. I'm sharing [--] lessons I learned with my first HYSA so you don't have the same surprises. #PersonalFinance #HighYieldSavings #MoneyTips #FinancialFreedom #SavingsAccount #WealthBuilding #InvestSmart #MoneyManagement #FinanceTips #Savings 00:00-Introduction 01:00-The interest rate reality check 02:07-The multiple account advantage 03:45-The tax drawback 05:34-HYSAs Arent The" [YouTube Link](https://youtube.com/watch?v=ilYD8bqafNo) 2025-01-31T21:00Z 81K followers, 112.2K engagements "The FIRE Movement is One of the DUMBEST Mistakes You Can Make Youve heard of FIRE right FIRE stands for: Financial Independence Retire Early. The basic idea of FIRE is that if you learn to live a minimalist lifestyle while saving and investing between 60% and 80% of your income within a decade or so youll have created enough wealth to live on the interest and quit working for someone else giving you the financial independence to do what you want when you want. Now in order to do this it requires significant sacrifice. But Colin Exelby CFP believes the FIRE movement is one of the dumbest" [YouTube Link](https://youtube.com/watch?v=DGZscyViNu8) 2023-02-09T18:00Z 81K followers, 23.9K engagements "7 GREAT REASONS to File for Social Security at Age [--] Navigating Social Security benefits can be complex and this video explanation with Colin Exelby CFP breaks down key strategies for deciding when to file for benefits. Discover why the traditional break-even analysis is outdated learn [--] compelling reasons to collect benefits early and understand how personal circumstances like health family dynamics and financial markets can influence your optimal filing strategy. Whether you're approaching retirement or helping a loved one plan this guide offers crucial insights to make an informed" [YouTube Link](https://youtube.com/watch?v=lVj3O4GiMEc) 2025-01-24T21:00Z 81K followers, 2.7M engagements "Roth IRA: The Two 5-Year Rules You NEED to Know (Don't Lose Your Money) In this video Colin Exelby CFP explains the Roth IRA Five Year Rules for both contributions and conversions. You will learn what they both mean how they affect you and see specific examples. Well also cover exceptions that allow penalty-free withdrawals for specific life events ensuring you can make the most of your Roth IRA without financial setbacks. Join us to master these critical rules and secure a tax-efficient future. 00:00- Introduction 0:45- The Contribution Rule 2:25- Exceptions to the Rule 3:50- Inheriting a" [YouTube Link](https://youtube.com/watch?v=ax_ygGrmQWE) 2024-04-25T15:00Z 80.4K followers, [----] engagements "Are 401(k) Loans Really a Terrible Idea 401(k) loans are often misunderstood this video explains when they can help and when they absolutely shouldnt be used. With credit card rates soaring and emergencies hitting harder than ever a 401(k) loan can sometimes be a smart low-cost tool when used correctly. In this video I break down when a 401(k) loan makes sense the risks you must understand and how to avoid the mistakes that actually damage retirement plans in [----]. #401k #PersonalFinance #RetirementPlanning #FinancialAdvice #MoneyMistakes #DebtStrategy #EmergencyFund #Investing" [YouTube Link](https://youtube.com/watch?v=fLfryuvGeXU) 2026-01-30T21:15Z 81K followers, [---] engagements "Pros and Cons of Paying Off Your Mortgage Early I've been in the business of giving financial advice for over [--] years and during my time in the business one of the most asked questions is "Should I pay off my home mortgage early" In this video learn about the pros and cons of paying off a 3% a 6% or a 9% mortgage early from CERTIFIED FINANCIAL PLANNER Professional Colin Exelby. ★☆★ Link to Free Training Video ★☆★ https://celestialwm.com/free-training-video/ I am a Certified Financial Planner Professional or CFP. See the Forest Through the Trees is a personal finance health and wellness blog" [YouTube Link](https://youtube.com/watch?v=-Gzr3h9KWhU) 2021-10-06T17:00Z 61.1K followers, 10.1K engagements "Why Art Should Be In Your Investment Portfolio & How to Buy It In this video Colin Exelby CFP explains if art investing is a good idea. Colin discusses the benefits of art investing the risks of art investing and if you can make money owning art. Art is an alternative investment that may help diversify your portfolio. It's an emerging asset class made up of fine art contemporary art and blue chip art. What's the best platform for art investing That is up for debate but one of the first to market is Masterworks. How does fractional art investing work Watch this video to learn about art" [YouTube Link](https://youtube.com/watch?v=00wtGpF1uSY) 2024-06-13T17:00Z [--] followers, [--] engagements "Trumps Tariff Plan: Will it SAVE or WRECK the Economy Are tariffs the key to reclaiming American innovation or just another cost for consumers In this video we dive into Trumps proposed tariffs their impact on U.S. manufacturing jobs and your wallet. From historical lessons to future implications well uncover how these policies could reshape the economy and your investments. #Tariffs #AmericanEconomy #TrumpPolicy #USManufacturing #TradeWar #Investments #PersonalFinance #innovationinhealth 00:00-Introduction 00:50-Why Are Tariffs Such A Big Deal 03:40-What Are Tariffs 06:30-Top [--] Countries" [YouTube Link](https://youtube.com/watch?v=0KO8K8x8YQY) 2024-11-22T21:00Z 12K followers, 14.3K engagements "Retire ASAP If You Answer YES to These [--] Questions Ever found yourself working late and asking Why havent I retired yet Retirement is one of the biggest decisions youll ever make and knowing when its time can be tough. From health concerns to reconnecting with family and even deciding what your retirement could look like theres so much to consider. In this video Ill guide you through [--] essential questions to help you decide if youre ready to retire. If youre answering yes to most of these it might be time to plan for your next chapter. Remember retirement isnt about stoppingits about starting" [YouTube Link](https://youtube.com/watch?v=0l50Ohee1C0) 2024-12-20T21:00Z 12.3K followers, [----] engagements "Where to Pull Funds from First in Retirement ➤ Related Strategy Video How Some Retirees Pay $0 Tax on $100000 of Income https://youtu.be/BCcWPAAS-7o In this new example I layer Social Security dividends IRA and Roth withdrawals to minimize taxes for viewers who want to go beyond withdrawal order. Colin Exelby CFP Explains Strategies to access your retirement accounts in the right order. How you access your nest egg can significantly impact how long your savings last and how much you pay in taxes. Its not just about saving for retirement but about strategically pulling from the right accounts" [YouTube Link](https://youtube.com/watch?v=0zxCJhufBNs) 2025-05-16T14:31Z 81K followers, [----] engagements "Joint Bank Accounts = Happy Marriage 😀💰 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Imagine being part of a team as legendary as the Celtics and Lakers or Patriots and Yankees - that's what marriage is like When you get married your income becomes OUR income. Joint accounts = more communication transparency and teamwork. See spending patterns manage cash flow together and build a stronger relationship knowing you're on the same financial page. . Want to master managing your finances as a couple 💰👫 Check out this video where I reveal the top" [YouTube Link](https://youtube.com/watch?v=29tt5cPbpzc) 2024-06-29T00:14Z 10.6K followers, [---] engagements "🎉 Inherited a ROTH IRA Herss How to Score Tax-Free Withdrawals 💸✨ Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Attention Roth IRA Beneficiaries Did you know you can still get tax-free and penalty-free distributions even if you just inherited the account Here's the key: wait until the five-year holding period is met. If the original owner had the account for three years just wait another two before withdrawing. Patience pays off in the long run Looking for a deep dive into the 5-year Rules of ROTH IRAS so you dont BLOW UP your strategy click the link" [YouTube Link](https://youtube.com/watch?v=355ziLsEgbk) 2024-06-15T00:30Z 10.4K followers, [---] engagements "How to Make Social Security Tax-Free (The Secret IRS Formula) Are your Social Security benefits being taxed In this video Colin Exelby CFP breaks down the secret IRS math that determines how much of your Social Security is taxable and more importantly how to make your Social Security tax-free using smart retirement income planning. Youll learn: ➡ The exact Social Security combined income formula the IRS uses ➡ The key income thresholds for single and married filers ➡ Simple ways to avoid paying taxes on Social Security benefits ➡ How strategies like Roth conversions charitable giving and" [YouTube Link](https://youtube.com/watch?v=4iJLIAr65So) 2025-10-10T20:30Z 81K followers, [----] engagements "Are You Making this EXPENSIVE RMD Mistake 84% Of Retirees Are In this video Colin Exelby CFP explains the most common RMD mistake 84% of people might be makingtaking only the minimum withdrawalwhy it's happening and how it could quietly cost you thousands in taxes and missed opportunities. You'll learn how RMDs are calculated the tax implications of growing account balances and when it might make sense to take more than the minimum. We also cover tax-efficient strategies like Roth conversions and reinvesting in non-retirement accounts plus how to avoid IRMAA surcharges and leaving a smarter" [YouTube Link](https://youtube.com/watch?v=6f81S0ilswo) 2025-04-04T17:20Z 81K followers, [----] engagements "Surprising Impact of the [----] Financial Crisis on YOUR savings #highyield #hysa #personalfinance In this video Colin Exelby CFP explains how the banking industry changed after the [----] financial crisis and how it negatively effects your savings. #hysa #highyieldsavings #financialcrisis #2008financialcrisis #recession #stockmarket #finance #personalfinance #savingsaccount #financialsecurity Learn all about the Pros and Cons of High Yield Savings Account 👉 https://youtu.be/8mCYXuGzM-U DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland" [YouTube Link](https://youtube.com/watch?v=6oy8O_y-SaA) 2023-08-09T00:15Z 63.9K followers, [----] engagements "DIY Finances: Who Really Doesnt Need a Financial Advisor 🤔 In this video I'm sharing my thoughts on who shouldn't use a financial advisor. #personalfinance #financialadvisor #wealth #certifiedfinancialplanner #moneymanagement #financialplanning #personalfinance #financialeducation Heres why you dont probably need a financial advisor 👉 YouDon'tNeedaFinancialAdvisor. DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation to make an offer to buy or sell" [YouTube Link](https://youtube.com/watch?v=7gXY6ZDDizI) 2023-08-31T23:04Z [----] followers, [---] engagements "My Honest Advice on Working Past Age [--] Retire NOW Is working one more year really worth it In this video I break down a real-world retirement scenario of Marcus and Sophiaboth [--] and financially prepared to retire yet tempted to delay for more security. On paper working another year boosts their success rate dramatically. But what about their health dreams and time We explore how delaying retirement can cost more than moneyand why healthy life expectancy should be a central part of your plan. If youre approaching retirement this is a must-watch. #retirementplanning #retireearly" [YouTube Link](https://youtube.com/watch?v=7jc1e8ZCsd8) 2025-05-09T15:58Z 81K followers, 10.7K engagements "4 Ways to Pay Off Your Mortgage Early (Ugly TRUTH About Mortgage Interest) Most people think their mortgage is just about the monthly paymentbut thats only part of the story. In this video we break down the real cost of mortgage interest how its calculated and how much youre really paying over the life of the loan. Then we dive into [--] proven strategies (plus one powerful bonus tactic) to help you pay off your mortgage faster and save tensif not hundredsof thousands in interest. No gimmicks. No refinancing needed. Just smart actionable steps you can take starting today. Whether you're a" [YouTube Link](https://youtube.com/watch?v=ABl1yvSPl-o) 2025-07-25T20:30Z 81K followers, 10.5K engagements "Hoarding Your Nest Egg Overcome the Fear of Outliving Your Savings😲 #money Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Retirement is supposed to be a time to enjoy the fruits of your labor but why is it so difficult for many to spend their hard-earned savings Even those with substantial wealth often face challenges when it comes to using their nest egg. From the fear of running out of money to adapting to a new lifestyle there are key factors that hold us back. Tune in to learn how to master the skill of spending wisely in retirement and make the most" [YouTube Link](https://youtube.com/watch?v=ASB_YDU2wvU) 2024-10-12T17:30Z 11.6K followers, [---] engagements "Using a Hidden Formula to Maximize Your Social Security Benefits In this video Colin Exelby CFP breaks down what a bend point is and how to use it to calculate your social security earnings. Curious about how your Social Security benefit is actually calculated Its not as simple as just working for [--] years In this video I break down the secret government formulaincluding "bend points"that determine how much of your income actually counts toward your benefits. Spoiler: the more you earn the less you get back This is especially important for business owners as how you pay yourself could" [YouTube Link](https://youtube.com/watch?v=BGHGsdLUZXY) 2025-03-28T17:52Z 46.5K followers, [--] engagements "Financial Planner Explains: Everyday Money Habits That Keep You Poor Are your money habits silently sabotaging your financial future In this video I expose [--] common bad money habits that could be holding you back from achieving true financial freedom. These habits might seem harmless but they could be the reason youre stuck living paycheck to paycheck or struggling to build wealth. #MoneyHabits #PersonalFinance #FinancialFreedom #WealthBuilding #InvestingTips #SaveMoney #DebtFree #FinancialPlanning #MoneyManagement #smartinvesting 00:00-Introduction 00:45-9 Most Common Bad Money Habits" [YouTube Link](https://youtube.com/watch?v=CNzPNJJ6Tvc) 2024-12-04T01:56Z 67.1K followers, [----] engagements "Do This Every Time You Get Paid. Payday Routine from CERTIFIED FINANCIAL PLANNER Part [--] In this video Colin Exelby CFP explains the ideal payday paycheck routine. As payday swiftly comes and goes most people don't have a set payday routine leaving many to wonder where their hard-earned money has vanished. Today we delve into the crucial steps every individual should take the moment their paycheck lands. This video aims to unravel the complexities of paycheck management. From building an emergency fund to maximizing employer 401(k) matches. Despite common misconceptions and the looming shadow" [YouTube Link](https://youtube.com/watch?v=Ce-UuYjMNmI) 2024-04-11T17:00Z 11.7K followers, [----] engagements "Watch Out [--] Common Investment Blunders that can Wreck your Personal Finances 🫣 Watch Out [--] Common Investment Blunders that can Wreck your Finances Stay away from these three common investment pitfalls. Losing money is never fun. Its even worse when you should have known better. Follow these three tips to help safeguard your wealth. #investing #scam #fraud #financialadvice #personalfinance #financialeducation #finance #savings Safeguard your wealth by watching the full video 👉 https://www.youtube.com/watchv=GmtfjqIw0Ps DISCLAIMER : https://celestialwm.com/social-media-disclosures/" [YouTube Link](https://youtube.com/watch?v=F_b1mXnzVWU) 2023-10-02T23:30Z 11.7K followers, [---] engagements "Pre-Tax vs. Roth 401k: How to Pick Correctly✨ #personalfinance #money Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf If you're wrestling with the decision between traditional and Roth contributions remember this: the future is uncertain but your strategy doesnt have to be. Many assume lower tax rates post-retirement but surprises aren't always pleasant. Consider hedging your betssplit your investments between traditional and Roth. Its like having the best of both worlds giving you a buffer against future tax uncertainties. Invest wisely because when it" [YouTube Link](https://youtube.com/watch?v=HrLETtmdXWk) 2024-04-22T23:00Z 59.7K followers, [----] engagements "I Bonds Explained by a CERTIFIED FINANCIAL PLANNER Professional. Interest Rates Headed Higher Looking to protect against inflation Then learn about I bonds in this video ★ The Complete Guide To Investing In I bonds From Certified Financial Planner Colin Exelby. ★ Earn 6.89% Interest With This Government I Bond I bonds also called Inflation Linked Bonds are issued by the United States Government and are designed to protect the value of your cash from inflation. How do they work Check out this video and Ill explain the ins and outs of I bonds and whether they may deserve a place in your" [YouTube Link](https://youtube.com/watch?v=IXY0zH6SekE) 2021-12-07T16:30Z 63.8K followers, 29.1K engagements "Trumps Trade Playbook: Will Tariffs Work 🛒 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Trump's Tariffs. Trumps economic plan hinges on one key word: tariffs. He calls them 'beautiful' and sees them as a way to protect American jobs generate government revenue and hold other countries accountable. But will this long-term strategy to reset trade agreements and stimulate U.S. economic growth pay off Lets unpack what it means for your wallet and the global economy. #TrumpEconomics #Tariffs #AmericanJobs #TradePolicy #EconomicStrategy #USGrowth #Imports" [YouTube Link](https://youtube.com/watch?v=IdYgXW34b4w) 2024-12-19T18:00Z 12.3K followers, [----] engagements "Secure Income = Confident Spending 💪💰#retirementplanning Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Wondering why some retirees spend more freely It often comes down to how their wealth is allocated. Those with guaranteed income streams like treasury bonds or fixed annuities tend to feel more secure spending than those heavily invested in fluctuating markets. You can even set up your retirement income to feel like a paycheck with regular deposits helping you enjoy your hard-earned money without hesitation . #RetirementIncome #SmartInvesting" [YouTube Link](https://youtube.com/watch?v=JJA_pUanUbg) 2024-11-07T23:00Z 11.7K followers, [---] engagements "The #1 American WEALTH TRAP No One Is Talking About How is it that so many people work hard every day yet feel stuck financially The answer might surprise youits a hidden wealth trap thats quietly draining middle-class Americans. Discover what it is and how you can take control of your financial future. 00:00-Introduction 00:21-The Wealth Trap Revealed 01:36-Costs of Buying a New Car 04:44-Cost of Buying a Used Car Instead 07:13-The Opportunity Cost of Investing Instead 08:01-Looking At The Numbers of Investing the Savings 10:46-What We Need VS. What We Want #MoneyTips #FinancialFreedom" [YouTube Link](https://youtube.com/watch?v=JVHqHcG9vYk) 2024-11-28T18:04Z 73.3K followers, [----] engagements "Is Your Driveway Keeping You Broke🏠🚗 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf What if your car is the biggest obstacle to building wealth 🚘💸 Hidden costs like depreciation and insurance add up faster than you think. Take the Ford F-150while the sticker price is $45000 the 5-year cost of ownership exceeds $57000 including a staggering $20000 in depreciation alone. Check out my previous video for smarter alternatives to set yourself up for financial success: #CarCosts #FinancialFreedom #WealthBuilding #HiddenExpenses #FordF150 #MoneyTips" [YouTube Link](https://youtube.com/watch?v=JZqVsFFjIqQ) 2024-12-01T01:00Z 12.2K followers, [---] engagements "💰 Seize the Youthful Wisdom 💡 Learn Personal Finance Early In your 20s and 30s your mind is a sponge absorbing financial knowledge like a pro Maximize this phase by soaking up personal finance wisdom to compensate for your lack of experience. As you age your financial expertise grows witnessing both successes and failures among family and friends. You gain clarity on your strengths and weaknesses and your humility increases making you more open to seeking guidance from those who've walked in your shoes. #FinancialWisdom #YouthfulSavings #LifeSkills #PersonalFinance #GrowYourWealth" [YouTube Link](https://youtube.com/watch?v=Kovlu8erKE8) 2024-01-10T00:00Z 11.7K followers, [---] engagements "Cash is King: Build Your Financial Safety Net 💰👑 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf A solid financial foundation starts with being prepared for the unexpected. Evaluate your cash reserves and ensure you have enough to cover deductibles and emergencies. Aim for six months of living expenses in a high-yield savings account to protect your peace of mind. Dont let life catch you off guardplan ahead . Watch the full video here for an in-depth look at each step: . #EmergencyFund #CashReserve #FinancialTips #MoneyMatters #Budgeting101 #SaveSmart" [YouTube Link](https://youtube.com/watch?v=MOIxcK6iFaA) 2024-11-19T01:00Z 12.1K followers, [---] engagements "Build Your Full Emergency Fund Step 4💰 #money #shorts Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Step [--] is all about security: Building a robust emergency fund in a high yield savings account. Struggle to manage your funds after payday Watch the payday routine of a CERTIFIED FINANCIAL PLANNERProfessional👉 https://www.youtube.com/watchv=Ce-UuYjMNmI&t=2s #EmergencyFund #FinancialSecurity #HighYieldSavings #DebtFree #SmartSavings DISCLAIMER: https://celestialwm.com/social-media-disclosures/" [YouTube Link](https://youtube.com/watch?v=Owp9nu0wCmk) 2024-05-08T23:15Z 11.7K followers, [---] engagements "Retire at [--] The Shocking Average Savings vs. What You Actually Need In this video Colin Exelby CFP breaks down the average savings in America vs the number you actually need for retirement. Wondering how much you really need to retire at [--] Youre not aloneand the answer might surprise you. While headlines throw out scary numbers like $800000 based on outdated rules of thumb the truth is far more personal. In this video we break down the real average and median retirement savings why the popular 8X rule can be misleading and how Social Security and realistic spending patterns in retirement" [YouTube Link](https://youtube.com/watch?v=OxZF_IaP_w4) 2025-07-18T20:00Z 81K followers, [----] engagements "This Mistake Can Cost You The Importance of Diversification 🥚 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Dont put all your eggs in one basket" applies to investing too Instead of relying on a single type of fund like a money market or stable value fund consider diversifying with index and target date funds. They simplify access to the global stock market's growth and spread your risk over time. It's all about smarter more balanced investing Want to dive deeper into the state of 401k savings in America and explore whether you're on track for" [YouTube Link](https://youtube.com/watch?v=PKAVGqn54C4) 2024-10-15T00:00Z 11.6K followers, [---] engagements "High Yield Savings are a great start but lets think LONG-TERM wealth creation #money #hysa High yield savings accounts (HYSA) are a huge upgrade over a traditional savings account. But they arent your ticket to long-term wealth creation. Once a solid foundation is built with a HYSA think bigger. Automated Investment Strategies can create and build wealth over time. #hysa #highyieldsaving #investing #stockmarket #realestate #investment #cryptocurrency #finance #personalfinance #savingsaccount #financialplanning Learn more about the Pros and Cons of High Yield Savings Account 👉" [YouTube Link](https://youtube.com/watch?v=PUCUhF2VDxM) 2023-08-10T23:00Z 73.8K followers, [----] engagements "Avoid These Money Mistakes Before [--] In this video Colin Exelby CFP explains the biggest money mistakes made before turning [--] and how to avoid them. In a financial landscape where literacy peaks at [--] accelerate your personal finance education to avoid pitfalls. Break free from peer spending habits in your 20s living on 90% of your after-tax income for a secure financial future. Establish an emergency fund and investing plan in your 30s disrupting the cycle of neglecting insurance needs. Explore opportunities with high deductible health plans and Triple Tax-Free Health Savings Accounts while" [YouTube Link](https://youtube.com/watch?v=Pwa-cupp5Gc) 2023-11-16T21:00Z 11.7K followers, [----] engagements "FDIC Insurance is a CRUCIAL Part of a Banking Strategy. Are You Protected We just saw two of the largest bank failures in U.S. history. In this video Colin Exelby CFP explains what FDIC Insurance is what the limits are as well as the potential risks. #FDIC #SiliconValleyBank #SignatureBank #personalfinance #banking #FinancialEducation #financetips #savings #money DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation to make an offer to buy or sell any" [YouTube Link](https://youtube.com/watch?v=RfGh6MfI_jY) 2023-03-22T00:35Z 64.1K followers, [----] engagements "Avoid HUGE Tax Mistakes Roth IRA 5-Year Rule(s) Explained. [--] Year Roth IRA Rules That Could Blow Up Your Retirement Planning 🚫💥 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Dive into the world of finance where the secrets of Roth IRAs unravel Did you know these tools are key to a 100% tax-free retirement But beware the infamous five-year rules might just trip you up Yes thats rightthere are TWO crucial rules: the contribution rule and the conversion rule. Many arent aware that you can access your own funds anytime penalty-free. Yet to enjoy your" [YouTube Link](https://youtube.com/watch?v=SxpIqrREWko) 2024-04-29T23:15Z 74.5K followers, [----] engagements "How I Reached [-----] subscribers on a Personal Finance Channel In this video Colin Exelby CFP Reaches out to show his appreciation and excitement of hitting the [-----] subscriber milestone Just hit [-----] subscribers To everyone who's been a part of this journey THANK YOU Your engagement and support have been incredible. If you're new here join our active community by subscribing. And now there's something special for youclick the "Join" button on my page to explore ways you can support the channel. Here's to the next exciting chapter #youtube #subscribe #subscribetomychannel #subscribers" [YouTube Link](https://youtube.com/watch?v=T5EDjb_09KA) 2024-05-16T17:45Z 10K followers, [--] engagements "New HSA Limits for 2024: What you need to know 😉 #hsa The IRS has announced the [----] HSA contribution limits and they're going up In this short we'll explain how much more you can save in your HSA in [----] and we'll give you some tips on how to take advantage of the increased limits. Check out the entire video here: Why Should You Consider an HSA for [----] 👉 https://youtu.be/OCtxLS_dT3w #HSA #healthsavingsaccount #hsacontributionlimits #2024hsa #taxfree #healthcare #personalfinance #financialeducation #moneytips DISCLAIMER : https://celestialwm.com/social-media-disclosures/" [YouTube Link](https://youtube.com/watch?v=TQbNShLTCf8) 2023-10-24T11:45Z 47.5K followers, [----] engagements "What the Trump Tax Bill Really Means for Your Wallet Colin Exelby CFP Explains Trumps new "Big Beautiful Bill" and how it will impact you. In this video we dive deep into President Trumps newly introduced "Big Beautiful Bill" a sweeping tax proposal with major implications for nearly every American. From making tips and overtime tax-free to boosting the standard deduction expanding the child tax credit and reviving 2017s tax cuts this bill could reshape your finances starting in [----]. Well break down whats in the bill who stands to benefit and who might lose out. Whether you're a retiree" [YouTube Link](https://youtube.com/watch?v=U3Ku1JFdW0Y) 2025-05-23T17:18Z 54.1K followers, [----] engagements "What Age do we make the SMARTEST financial choices 🤔 #financialliteracy #financialeducation Ever ask yourself at what age do we make the smartest financial decisions 🤔 Well I recently did. In fact I asked Google. Here's what I found out. We make the smartest financial decisions at Age [--]. Here's why. ❓ At that point in life we've accumulated a wealth of knowledge and life experience related to money spending saving and investing. Yet we haven't lost any of the key analytical and cognitive skills that typically decline as we get older. 🧠 As we age we rely more on past experiences both the" [YouTube Link](https://youtube.com/watch?v=UKTzmB1l7oE) 2023-11-11T00:00Z [----] followers, [---] engagements "Debt Relief Bombshell: Biden's $127B Student Loan Cancellation Revealed President Biden has cancelled more student debt than any president in history. Here are the links to each program to see if you qualify: ➡Income-Driven: https://studentaid.gov/manage-loans/repayment/plans/income-driven ➡Public Service Forgiveness: https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service ➡Total and Permanent Disability: https://studentaid.gov/manage-loans/forgiveness-cancellation/disability-discharge ➡Borrower Defense: https://studentaid.gov/borrower-defense/ #studentdebt #studentloan" [YouTube Link](https://youtube.com/watch?v=VgjJmO3troI) 2023-11-08T00:00Z [----] followers, [---] engagements "Why Your Net Worth EXPLODES After 100k: And How to Get There FAST Ever wonder why the rich keep getting richer After hitting the first $100K your net worth can start snowballing thanks to the magic of compound interest. Each dollar you invest begins working for you accelerating your wealth growth as you cross key milestones. Reinvested returns generate their own returns creating a self-sustaining cycle that speeds up with every year. Thats why its crucial to focus on reaching $100K as your first goalit sets the stage for exponential financial growth. In this video I'll break down why that" [YouTube Link](https://youtube.com/watch?v=XBLjHCS82Qw) 2024-10-30T17:52Z 11.7K followers, [---] engagements "Retire at [--] What About Social Security Planning to retire at [--] How will your social security be impacted We know Social Security wont kick in yet but there are two strategies (not well known) allowing access to retirement funds before [--] 1/2. Learn how to use your IRA and 401K without penalties and fund those early retirement years. Dive deeper into early retirement strategies and how your social security is impacted in this high-level early retirement planning video. Wanna dive deeper into how an early retirement impacts your social security benefits Watch here:" [YouTube Link](https://youtube.com/watch?v=XKM4k_pZiFU) 2024-12-15T01:00Z 12.3K followers, [---] engagements "Retire Tax-Free: The Secret is systematic Roth IRA conversions. #rothira #personalfinance At the time of this video currently anyone can perform a Roth Conversion. That wasnt always true and that may become limited in the future. The time is now to explore whether Roth IRA conversions make sense in your situation. Dont miss the opportunity. #roth #rothconversion #retirement #retirementplanning #financialeducation #financialfreedom Are you in the sweet spot for Roth Conversions Watch the full video here 👉https://www.youtube.com/watchv=cF5FeFUaPWU DISCLAIMER : Celestial Wealth Management LLC" [YouTube Link](https://youtube.com/watch?v=XtjDFbmNy0A) 2023-09-15T00:01Z [----] followers, [---] engagements "9 Essential Financial Moves to Make Before Year-End [----] With [----] winding down its time for a financial reality check How many times have you promised yourself to get your finances in order only for those goals to fade by February Not this time In this video Im covering [--] crucial financial moves to make before the year ends. These steps will set you up for a successful [----] and build long-term momentum. Ill walk you through: Strengthening your cash reserves Optimizing retirement contributions Tracking your net worth and tackling debt And much more If you're serious about achieving financial" [YouTube Link](https://youtube.com/watch?v=YHwD-tHXKPc) 2024-11-14T19:57Z 11.8K followers, [---] engagements "Are You Using the Right 401(k) for Your Tax Bracket 📉💼 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Choosing between a Roth and Traditional 401k can significantly impact your financial future. If youre younger or in a lower tax bracket a Roth 401k could mean tax-free growth for decades and tax-free withdrawals later. Plan smart today to enjoy financial freedom tomorrow #RetirementPlanning #RothIRA #TaxFreeGrowth #FinancialFreedom #WealthBuilding #IRAContributions #TaxStrategy #RetirementSavings #SmartInvesting #financialtips DISCLAIMER:" [YouTube Link](https://youtube.com/watch?v=YZ55fsIUHgw) 2024-12-02T23:00Z 12.2K followers, [---] engagements "Struggling to find the right investment strategy Core-Satellite may be your answer 💡 #investing I've said it before and I'll say it again. The BEST investment strategy is one that you will stick with Unfortunately for many people I meet their investment portfolios are a mish-mash of tips from friends ETFs index funds high-cost mutual funds and other random investments. 🤷♂ Maybe this investment strategy is the one for you. The Core and Satellite Strategy or sometimes called the Core and Explore Strategy. 🚀 It can help you align your assets for long-term success while also pursuing" [YouTube Link](https://youtube.com/watch?v=ZQ48y41kvkY) 2023-09-30T12:30Z 11.7K followers, [---] engagements "Say Goodbye to Taxes in Retirement - The Ultimate Guide for 100% Tax-Free Income Are you looking for ways to create a future tax-free retirement income In this video Colin Exelby CFP shows you how to create a tax-free retirement income that's independent of your job. This video is a combination of the best parts of the playlist "How to Create a 100% Tax-Free Retirement Income". There are a few important keys to ensuring your retirement income is tax-free. In this video we'll discuss ways to save invest and create a retirement income that can be 100% tax-free By following these tips you can" [YouTube Link](https://youtube.com/watch?v=ZU1cHiPAEQ0) 2022-12-20T18:00Z 45.2K followers, 28K engagements "Student Loans Do this Get $2500 📚🚀 #studentloans #taxtips Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Dive into the world of smart finances with the student loan interest deduction Imagine deducting up to $2500 of the interest paid on your qualified student loansyes it's real and it's all about making your education investment work smarter not harder. Just keep in mind it's all about those income limits and phase-outs. Remember every penny saved is a step closer to financial freedom. Click the link to check out the other tax deduction/credit that" [YouTube Link](https://youtube.com/watch?v=ZYXc87fU3jg) 2024-03-26T23:15Z 11.7K followers, [---] engagements "Roth IRA Also an Emergency Fund💡🤔 #money #rothira Access Your Cash Anytime Roth IRA Contribution Rules Explained. Need Cash Now But Worried About Penalties Roth IRA Contributions Might Be Your Secret Weapon Did you know you can access part of your Roth IRA tax-free and penalty-free anytime It's true This video breaks down the contribution access rules of Roth IRAs so you can make informed decisions about your retirement savings. While I believe removing money early from a Roth IRA is generally a last resort idea it can be much better than some alternatives like high-interest debt or" [YouTube Link](https://youtube.com/watch?v=_t66DHhDwa4) 2024-06-05T00:00Z 11.7K followers, [----] engagements "Tesla Affordability Check: The 20/4/10 Rule ✅💰 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Wondering if you can afford a Tesla Model [--] Lets break it down with the 20/4/10 rule. From down payment to monthly expenses well see if a Tesla fits your budgetand whether its the best choice for your financial future. Watch to learn if Tesla ownership aligns with your bigger goals For the monthly payment affordability we made some assumptions: Loan of $40000 at 6% for [--] years = $939 per month Insurance of $150 a month Charging of $11 a month . #TeslaBudget" [YouTube Link](https://youtube.com/watch?v=aD1dOnX-FXM) 2024-11-14T01:00Z 63.6K followers, [----] engagements "Medicare Advantage Plans LEAVING 2026: 1000000+ Seniors Affected In this video Colin Exelby CFP explains why over [-------] Seniors Are Losing Medicare Advantage Plans in [----]. United Healthcare announced plan exits that will impact 600000+ members. Other large and small carriers will follow suit. Stay informed with this video explaining upcoming changes to Medicare Advantage plans in [----] which could impact millions. Understand your Medicare eligibility and how these changes to Medicare affect your Medicare premiums. Get insurance tips to navigate your Medicare sign up and find medicare plans" [YouTube Link](https://youtube.com/watch?v=aYz7QZ33LYs) 2025-09-19T20:00Z 81K followers, [----] engagements "Roth IRA Conversion Pros and Cons in [----] In this video CERTIFIED FINANCIAL PLANNER Professional Colin Exelby discusses the most powerful way to build tax-free wealth. There used to be an income cap. But that tax law was changed back in [----] to allow anyone the opportunity to convert. But that huge advantage may be slipping away. As a reminder if you have Traditional IRA assets you took a tax deduction at some point in the past and you will owe taxes on those funds at some point in the future and Congress is counting on it salivating at the chance to grab a large portion of those assets. As" [YouTube Link](https://youtube.com/watch?v=cF5FeFUaPWU) 2022-02-18T20:30Z 64.3K followers, 56.2K engagements "Are Trump's Tariffs Going to Help or Hurt 🤔🛒 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Trump's Tariffs Explained. Did you know that tariffs are like invisible price tags on imported goods These taxes are designed to make foreign products more expensive encouraging us to buy locally made items instead. While they aim to boost local businesses and level the playing field they can also affect what we pay at the store. #Tariffs #Imports #EconomyExplained #USGoods #EconomicBasics #BuyLocal #FinanceTips #TradePolicy #MoneyMatters #economicgrowth" [YouTube Link](https://youtube.com/watch?v=dBDl3isUe8Y) 2024-12-18T00:00Z 12.3K followers, [---] engagements "Year-End Financial Checklist: Retirement Account Edition [----] In this video Colin Exelby CFP explains the key retirement plan deadlines you need to know before the year ends Whether you're a business owner have a SIMPLE or SEP IRA or found yourself over-contributing to a Roth IRA in [----] we've got you covered. Make sure your financial strategy is on track as we approach the new year Top Personal Finance Tools: #1: ★☆★ Rocket Money (originally called TrueBill) ★☆★ https://rocketmoney.sjv.io/CelestialWM #2: ★☆★Personal Capital ★☆★ https://personalcapital.sjv.io/c/3206925/1129210/13439 OTHER" [YouTube Link](https://youtube.com/watch?v=dXDeKUdOLIk) 2023-10-05T23:28Z [----] followers, [---] engagements "The Inverted Yield Curve Explained in [--] Seconds. Predicting Every Recession in Past [--] Years. In this video Colin Exelby CFP explains what can happen when interest rates invert. It's an indicator a recession is coming. If fact an inverted yield curve has happened before every single recession in the last [--] years. #shorts #investing #interestrates DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation to make an offer to buy or sell any securities or" [YouTube Link](https://youtube.com/watch?v=gUmLMZFlSc4) 2022-07-20T15:20Z 55.6K followers, [----] engagements "You Sold Your Business: What You Need to Know CERTIFIED FINANCIAL PLANNER Professional Colin Exelby gives his [--] Rules to follow after selling your business. You sold your business. But what do you do with your money now You are probably unsure of the next steps and why am I feeling so many different emotions Should you invest the funds right away What holes could derail your financial future What sharks should you watch out for ★☆★Truebill Find & Cancel Subscriptions★☆★ https://rocketmoney.sjv.io/c/3206925/616684/10034 ★☆★ The True Failure Rate of Small Businesses ★☆★" [YouTube Link](https://youtube.com/watch?v=gnPZJhjYEBI) 2022-01-25T22:30Z 66.7K followers, [----] engagements "Build REAL Wealth not Just the Appearance of it. 🏦🌟 #wealthmindset True wealth isn't flaunting luxury but choosing assets that grow. Skip the splurge invest in appreciating assets and let your money multiply. Build not just wealth but a legacy. Ready to invest in your future Want to think like the rich Learn more about how the rich think in this video: 👉 https://youtu.be/nmY-y9JIpoksi=rMzWzBZSlP1PrMPv #WealthMindset #InvestmentWisdom #AssetBuilding #FinancialGrowth #SecureTheFuture #GenerationalWealth #SmartInvesting #FinancialFreedom #GettingRich #MoneyMindset DISCLAIMER:" [YouTube Link](https://youtube.com/watch?v=goPTsSSQbAo) 2024-01-24T00:45Z 63.4K followers, [----] engagements "Unveiling the dark side of the FIRE movement: Sacrifices Misery & Toll it can take on your life.😱 Are you considering FIRE This video challenges the popular trend and reveals the potential downsides of extreme savings. #FIRE #FinancialIndependence #Retirement #EarlyRetirement #money #finance #financialsecurity #financialfreedom Learn more about your Family Inc. 👉 https://youtu.be/DGZscyViNu8 DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation to" [YouTube Link](https://youtube.com/watch?v=hNrLj2Kez-k) 2023-06-06T23:00Z 64.6K followers, 21.8K engagements "The Savings Dilemma: The Secret Struggle of Most Retirees Retirement isnt just about savingits about learning to spend without fear. Many retirees struggle to use the wealth theyve built stuck in a savings trap. In this video well tackle why this happens and how to confidently enjoy your retirement. #RetirementPlanning #FinancialFreedom #WealthManagement #RetireSmart #MoneyMindset #SavingsTrap #RetirementGoals #FinancialPlanning #SpendWisely #retirementwealth 00:00-Introduction 01:50-The Savings Trap 04:22-Why Spending Feels Like Losing 05:45-Unspent Wealth: The Missed Opportunities 08:40-" [YouTube Link](https://youtube.com/watch?v=ifAz6k1tg9I) 2025-01-03T21:00Z 80.8K followers, 202.3K engagements "How Much Gold Should You Hold in a Portfolio 🤔💰 #financeliteracy #money#goldinvestment What is the ideal amount of gold in a portfolio to optimize risk-adjusted returns Watch this #short to find out. Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Did you know that adding a touch of gold to your retirement portfolio might just be the golden ticket to optimizing your investments A study diving into the classic 60% stocks and 40% bonds portfolio found something intriguing. By sprinkling in gold in 5% increments investors could potentially boost their" [YouTube Link](https://youtube.com/watch?v=jNE87pQ3if8) 2024-04-10T23:15Z 11.7K followers, [---] engagements "What is a High Net Worth Investor 🤔 #shorts #personalfinance What does it take to become a High Net Worth Investor🤔 👉 The closest thing to a standardized definition of a high net worth investor comes from the (SEC) which defines it as someone with a net worth of at least $2.2 million or $1.1 million in liquid investments. Liquid assets include checking savings or money market accounts stocks and bonds cryptocurrency and shares of mutual funds and exchange-traded funds (ETFs). Illiquid assets typically include business interests real estate and land but does not include your primary home." [YouTube Link](https://youtube.com/watch?v=jug_a_Qx4eg) 2023-06-27T23:05Z 49.5K followers, [----] engagements "Managing Bank Accounts as a Couple: The Optimal Structure In this video Colin Exelby CFP explains two of the most effective ways to manage finances as a married couple. Financial planning for couples and budgeting for newlyweds are important parts of personal finance. We discuss the common dilemma couples facewhether to merge bank accounts or keep them separate. Through his extensive experience working with families Colin will outline two highly effective strategies for joint financial management and one approach to avoid supported by research and discuss the pitfalls to avoid to maintain a" [YouTube Link](https://youtube.com/watch?v=kcLRYjGYDRs) 2024-06-27T17:00Z 10.6K followers, [---] engagements "Can You Contribute to an Inherited IRA 🤔 The Inherited IRA or Beneficiary IRA play by their own rules 🗝. You can't blend it with others as tempting as it might be. It's a separate journey defined by distinct guidelines. Remember navigating this path wisely can amplify your legacy. Find out the other rules of inherited IRAs in the full video: https://www.youtube.com/watchv=q8l2_VC5be4&t=4s #InheritedIRA #beneficiaryIRA #FinancialFreedom #InvestSmart #WealthManagement #FinancialTips #MoneyMindset #WealthBuilding #InvestingTips #FinancialFreedom #Budgeting #SavingsGoals #StockMarket" [YouTube Link](https://youtube.com/watch?v=ktcw-40PhMo) 2024-02-29T01:15Z 72.5K followers, [----] engagements "Real Estate HACK to Pay for Your Childs Education 🏠🎓💰 Imagine turning your child's future education into a profitable investment Several savvy clients of mine are doing just that by purchasing a rental property when their child is born. Here's how it works: All rental income is reinvested back into the property to pay down the mortgage. By the time their child goes to college they often have a fully paid-for property You can then sell the property or pull out the equity tax-free by taking a loan against its value. Yes there's interest on the loan but you keep the rental income and the tax" [YouTube Link](https://youtube.com/watch?v=l4bC943GS_s) 2024-05-30T23:15Z 10.2K followers, [----] engagements "Debt Snowball vs. Avalanche: We Race to be Debt-Free FIRST (Who Wins)🤷 #money Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Can you become debt-free FASTER We put these two popular methods to the TEST to see which one DOMINATES **Is the momentum-building Snowball unstoppable ❄ Or will the Avalanche crush debt with its high-interest targeting ** Find out in this EPIC race and discover which method is RIGHT for YOU #debtfree #debtpayoff #snowball #avalanche #personalfinance Struggle to manage your funds after payday Get the payday routine of a CERTIFIED" [YouTube Link](https://youtube.com/watch?v=lNv167KQ1qY) 2024-05-06T23:16Z [----] followers, [---] engagements "I Bonds Crash Course: The Updated Guide to Investing in Bonds I bonds Explained in under [--] minutes by Colin Exelby CFP. This video is a quick introduction to I bonds. How they work what their limitations are the [--] steps to invest and why they may be a perfect fit for your investment portfolio. 00:00 Introduction 01:15 Inflation Linked Bonds 02:18 What Is An I bond 02:37 How is I Bond Interest Calculated 03:14 How Are I-Bonds Taxed 03:45 Can I Bonds Act Like a Savings Account 05:03 How Much Can You Invest in I Bonds. 06:08 How Do You Actually Invest Your Money In I Bonds 06:55 Summary ★☆★" [YouTube Link](https://youtube.com/watch?v=mUUSDDdG9_0) 2022-05-17T16:30Z 63.8K followers, [---] engagements "Retire TODAY if you can answer YES to these SIX Questions #financialfreedom #wealthplan In this video Ill guide you through [--] essential questions to help you decide if youre ready to retire. If youre answering yes to most of these it might be time to plan for your next chapter. Remember retirement isnt about stoppingits about starting something extraordinary #RetirementPlanning #FinancialFreedom #RetireSmart #FinancialGoals #WorkLifeBalance #TimeForFamily #HealthAndWealth #PersonalFinanceTips #RetirementGoals #wealthmanagement DISCLAIMER: https://celestialwm.com/social-media-disclosures/" [YouTube Link](https://youtube.com/watch?v=nlkwkMEYO2k) 2024-12-24T00:00Z 12.3K followers, [---] engagements "Search for Unclaimed Money NOW Step-by-Step Guide (Short)💰🔎 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Ever heard of MissingMoney.com Its like a treasure map for your forgotten dollars. Bonds stocks mutual funds and even that old Verizon bill could be sitting there waiting to be claimed. With a click on your state via the National Association of Unclaimed Property Administrators' website you might uncover money you never knew you had Dont let your cash collect dust. Log on and discover whats yours #UnclaimedMoney #TaxSeason #FindYourCash" [YouTube Link](https://youtube.com/watch?v=oQd981pyEyc) 2024-04-23T23:00Z 11.7K followers, [---] engagements "Can Tariffs Save Americas Innovation Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Tariffs arent just about prices; they impact American jobs innovation and national security. Trumps proposed 100% car tariff aims to bring manufacturing back to the U.S. but at what cost Experts warn about rising prices especially on top of recent inflation. Understanding how trade barriers and import tax affect global commerce has never been more crucial. The impact of international trade policies continues to shape our economic landscape while protectionism measures" [YouTube Link](https://youtube.com/watch?v=oUsTdYUk-4s) 2024-11-24T01:00Z 69.5K followers, [----] engagements "Did Elon Musk Discover the BIGGEST Financial Fraud in History In this video Colin Exelby CFP breaks down Elon Musks shocking claim about [--] million active Social Security numbers belonging to people over [---] years old. Is this a lie If he is correct it could be a huge deal for the solvency of the Social Security System. Join me and uncover whether this is a massive fraud if there are millions of payments to [---] year old people and if there is truly a government data error. Elon Musk just exposed what could be the biggest fraud in historyclaiming that over [--] million active Social Security" [YouTube Link](https://youtube.com/watch?v=p4e20l8RvNo) 2025-02-28T18:59Z 81K followers, 394.4K engagements "The Hidden Social Security Formula THEY Dont Want You to Know In this video Colin Exelby CFP breaks down what a bend point is and how to use it to calculate your social security earnings. Curious about how your Social Security benefit is actually calculated Its not as simple as just working for [--] years In this video I break down the secret government formulaincluding "bend points"that determine how much of your income actually counts toward your benefits. Spoiler: the more you earn the less you get back This is especially important for business owners as how you pay yourself could" [YouTube Link](https://youtube.com/watch?v=pTeV9JJdu-k) 2025-03-17T16:34Z 45.7K followers, [--] engagements "Inherited IRA Gotchas: [--] Rules to Avoid Financial Disaster In this video Colin Exelby CFP breaks down the important rules for handling your inherited IRA. Inheriting an Individual Retirement Account (IRA) comes with different rules and considerations that may significantly impact your financial planning. Understanding these inherited IRA distribution rules can have a significant impact on your short-term and long-term financial situation. Tax planning is about making strategic choices within the tax code and knowing your options will help you maximize tax efficiency and preserve your" [YouTube Link](https://youtube.com/watch?v=q8l2_VC5be4) 2023-10-26T14:30Z 63.2K followers, 16.3K engagements "How Money Became Worthless: Gold vs Gasoline #money Is gold really an inflation hedge Check out this analysis that compares the value of gold to gasoline over time. Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf #GoldInvesting #InflationHedge #EconomicInsight #WealthProtection #FinancialFreedom DISCLAIMER: https://celestialwm.com/social-media-disclosures/" [YouTube Link](https://youtube.com/watch?v=qX83ctSCkYo) 2024-04-26T23:00Z 74.5K followers, 15.7K engagements "Social Security 2025: [--] Changes to Look Out For Changes are coming to Social Security in [----] including a Cost of Living Adjustment higher taxable income limits and new earnings thresholds for those working while collecting benefits. These updates could impact your finances whether you're receiving benefits or still paying into the system. Stay informed to maximize your Social Security and minimize costly surprises. #SocialSecurity #RetirementPlanning #FinancialTips #WealthBuilding #COLA2025 #SocialSecurityChanges #MoneyManagement #RetirementSavings #FinancialFreedom #InvestSmart Outstanding" [YouTube Link](https://youtube.com/watch?v=r2gnAygfStI) 2024-12-25T01:35Z 12.3K followers, [--] engagements "Retired At [--] This is What Happens to Your Social Security Thinking of retiring at [--] Leaving the 9-to-5 grind early is an incredible milestone but it comes with unique challenges. Social Security benefits wont kick in until at least age [--] which means youll need a solid plan to cover your living expenses in the interim. In this video well break down how retiring early affects your Social Security payments explore strategies like the Rule of [--] and 72T distributions to access retirement funds penalty-free and discuss why your work history plays a critical role in your benefits calculation." [YouTube Link](https://youtube.com/watch?v=rAv-1Cpvhoo) 2024-12-13T21:00Z 12.3K followers, [----] engagements "Can You Deduct Your Second Home Mortgage 🤔Beach House tax Deduction Explained #taxsavings Whether it's your cozy primary residence or that charming summer cottage your winter ski cabin or a serene fishing retreat this perk lets you subtract the interest you pay from your taxable income. If you use the house as a second home(Renting it out less than [--] days per year)interest on the second home mortgage is deductible within the same limits as the interest on the mortgage on your first home. For tax years before [----] you can write off 100% of the interest you pay on up to $1.1 million of debt" [YouTube Link](https://youtube.com/watch?v=s4Yq91qwFyE) 2024-03-12T00:15Z 11.7K followers, [---] engagements "Mark Cubans Strategy for Stock Market Uncertainty #investing #stockmarket #personalfinance Mark Cuban's Investment Strategy for Stock Market Uncertainty. #markcuban #stockmarket #cryptocurrency #crypto #investing #recession #sharktank #personalfinance #financialeducation #financialfreedom See all [--] Tips from Mark Cuban in this full video 👉 https://youtu.be/U6ly7laWfNM DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation to make an offer to buy or" [YouTube Link](https://youtube.com/watch?v=sgO_GVAKzA8) 2023-08-21T22:30Z 54.8K followers, [----] engagements "What Age Do We Make the Smartest Financial Decisions In this video Colin Exelby CFP revealstheage we make the smartest financial decisions. Discover how age plays a pivotal role in the financial decision-making process and the importance of adapting your strategies as you progress through life. We also touch upon a common financial mistake made by 50-year-oldsunderestimating their life expectancyand why it's crucial to be conservative in your assumptions especially when planning for retirement. DISCLAIMER : https://celestialwm.com/social-media-disclosures/ Outstanding Personal Finance Tools👇" [YouTube Link](https://youtube.com/watch?v=sjk7vsi1lD8) 2023-11-10T00:00Z 11.7K followers, [---] engagements "Inflation Nibbles Away Your Net Worth #inflation #shorts #bidenomics Let's not forget while President Biden assures us of easing inflation the reality for our savings and daily costs paints a complex picture. Prices may not surge as before but they haven't retreated. In this landscape gold emerges not just as a metal but as a potential strategy to hedge against the stealthy advance of inflation helping our hard-earned money to hold its ground. 👉 Click the link to explore the full video and discover if you're set to infuse your portfolio with a radiant golden shine:" [YouTube Link](https://youtube.com/watch?v=spC6L3jRggU) 2024-04-03T23:31Z 11.7K followers, [----] engagements "$1 Million Dollars or Magic Penny 💸🤔 #compoundingwealth Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Would you rather have $1 million today or a penny that doubles for [--] days Most would take the million but the pennys true value lies in compound growth. By day [--] that penny surpasses $10.7 million It's a powerful lesson on patience and exponential growth. . #CompoundGrowth #InvestSmart #WealthBuilding #MoneyMindset #FinancialTips #ChooseWisely #PowerOfPatience #ExponentialGrowth #MoneyMatters #PersonalFinance . DISCLAIMER:" [YouTube Link](https://youtube.com/watch?v=tJ9VxVlYqaY) 2024-11-07T01:00Z 11.7K followers, [---] engagements "Insider Look: Reasons Behind Upcoming Fed Interest Rate Cut Colin Exelby CFP explains interest rate cycles and why he believes the Federal Reserve will CUT interest rates in [----]. In all the rate hike cycles going back to the great inflation of the 1970s the Fed has never maintained rates at the peak for more than nine months. The Fed always seems to tighten too much probably because of the lag. It can take six months from a rate cut to see its effects. The bond market is already anticipating rate cuts. Some market gurus think the Fed has been able to orchestrate a soft landing without a" [YouTube Link](https://youtube.com/watch?v=tOSXrwKJCyM) 2023-09-21T17:00Z 47.5K followers, [----] engagements "Max Out Your Social Security with THIS Formula In this video Colin Exelby CFP breaks down what a bend point is and how to use it to calculate your social security earnings. Curious about how your Social Security benefit is actually calculated Its not as simple as just working for [--] years In this video I break down the secret government formulaincluding "bend points"that determine how much of your income actually counts toward your benefits. Spoiler: the more you earn the less you get back This is especially important for business owners as how you pay yourself could significantly impact your" [YouTube Link](https://youtube.com/watch?v=tbmc-nk9z1A) 2025-03-28T19:29Z 81K followers, [----] engagements "Boost Your 401k Savings 1% at a Time 💡💰 #wealthbuilding Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Want a successful retirement It starts with saving and investing. If youve got excess cash flow and your emergency fund & debt are in check it's time to level up Increase your 401K contributionsespecially if your employer matches (that's free money). Aim to boost your savings rate by 1% each year until you're maxed out. Small steps can have a big impact over time and youll hardly notice the difference. . Want to dive deeper into the state of 401k" [YouTube Link](https://youtube.com/watch?v=xJVHDmyx7GQ) 2024-09-30T23:00Z 12.1K followers, [---] engagements "The Holy Grail of Investing Private Equity on the Blockchain. In this video Colin Exelby CFP interviews Jamie Finn the co-founder and president of Securitize to explore how the Blockchain and tokenization allows additional access to private equity. Colin shows historical returns of private equity versus stocks and explains how private equity works. Learn more about Securitize👇 ★☆★ https://securitize.io/ ★☆★ Are you curious where the next big companies like Apple Amazon or Nvidia come from It's often not in the public markets but in private equity. Over the past [--] years private equity has" [YouTube Link](https://youtube.com/watch?v=xp_eRcR2ZsM) 2024-09-12T17:00Z 11.7K followers, [---] engagements "Nvidia Stock Splits [--] for 1: Compare to Berkshire Hathaway 😮 #nvidia #cryptonews #stocks Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf In just [--] trading days Nvidia stock has added a staggering $1 trillion in market cap and announced a 10-for-1 stock split To put that in perspective Warren Buffett's Berkshire Hathaway hasnt even reached $1 trillion in market cap over the last [--] years (Hat tip to Jesse Felder at the Felder Report) Now Nvidia makes up 13% of the S&P [---] So where does Nvidia go next Let me know your thoughts in the comments 💬👇 ." [YouTube Link](https://youtube.com/watch?v=yUAxx4JCXCE) 2024-06-10T23:30Z 11.7K followers, [----] engagements "Where Does 401k Loan Interest Go 🤔 #401k #loan In this video we'll answer a question many people are curious about: Where does 401k loan interest go How does a 401k loan work We'll discuss the key parts of a 401k loan how much interest is charged why you should pay it off quickly and when it may make the most sense. When Should You Take a 401k Loan More often than you think. Watch the Full Video Here 👉 https://youtu.be/3ZaKqHL-U_gsi=FkzV0hwK2L0KdxVv #401k #retirement #retirementstrategy #loan #finance #financialplanning #personalfinance #financialeducation DISCLAIMER :" [YouTube Link](https://youtube.com/watch?v=yaIYE164iXc) 2023-11-02T23:00Z 59.4K followers, 10.2K engagements "What RICH people know about 401ks that YOU DONT 🚨 Why Traditional 401(k)s No Longer Make Sense for a significant amount of people. The era of traditional 401(k) deferral may be over. It's important to look at all your options and the Roth 401k may be the number one alternative. Traditional 401(k)s made sense when rates were high but in today's low-tax era contributing to a Roth 401(k) offers a smarter financial future. Learn more about Tax-Free Retirement planning by watching my playlist: How To Create a 💯 % Tax-Free Retirement Income:👉" [YouTube Link](https://youtube.com/watch?v=zRGyEVzCwJg) 2023-11-24T17:15Z 59K followers, [----] engagements "Disney Vacation Cost [----] + [--] Money-Saving Tips Planning a Disney vacation can be exciting but it comes with a hefty price tag. In this video I break down the real costs of a Disney family trip in [----] exploring how much a typical vacation costs and how you can avoid going into debt to make it happen. From average expenses like park tickets hotels and meals to tips on saving budgeting and even creating a long-term "Disney fund" I share strategies to help you plan the perfect Disney trip without breaking the bank. Watch now for financial insights and tips to make your dream vacation a reality" [YouTube Link](https://youtube.com/watch?v=zjFRyxDBQc8) 2024-10-17T16:48Z 11.6K followers, [--] engagements "Ideal Time to Claim Social Security: Age [--] vs. [--] What if you could be leaving $250000 on the table with ONE retirement decision 🤔 In this video we compare two retirees - Professor Pat and Nurse Nancy - to show how their different Social Security claiming strategies lead to drastically different outcomes in retirement. We break down: - The basics of how Social Security benefits are calculated - Why claiming Social Security at [--] vs [--] could make a $250K+ difference - A real-world comparison with $1M portfolios - The looming [----] Social Security crisis you need to know about - Critical" [YouTube Link](https://youtube.com/watch?v=0HeiCspa9-c) 2025-01-10T18:23Z 81K followers, 191.8K engagements "Financial Planner REACTS To Dave Ramseys Social Security Advice In this video Colin Exelby CFP breaks down a key segment from Dave Ramsey's discussion on the best time to collect Social Security. With over [--] years of experience as a financial advisor Ive seen firsthand that theres no one-size-fits-all answer. Together well analyze the pros and cons of filing early the impact of income limits potential tax consequences and whether investing early benefits can truly outperform delaying. Daves advice works for manybut is it the right fit for you Lets dive in and see Dont miss my final takeaway" [YouTube Link](https://youtube.com/watch?v=0pmqdpFgtbs) 2025-02-07T21:00Z 81K followers, 371K engagements "The Financial Troubles of Gen X - Here's How to Fix it In this video Colin Exelby CFP explains the financial struggles facing Gen X also called "the sandwich generation" and shares actionable strategies to overcome them. Gen X is in financial trouble and many wont realize it until its too late. With the oldest Gen Xers turning [--] major retirement decisions are looming yet many are vastly underprepared. This generation faces unique challengesfrom skyrocketing housing costs to inadequate retirement savingsleaving many on track to be worse off financially than their parents. In this video I" [YouTube Link](https://youtube.com/watch?v=2NRZTxHJ5ao) 2025-02-21T14:26Z 81K followers, 37.6K engagements "Tax Season 2023: What is Taxable Income💰💸 #TaxIncome #TaxSeason #Taxes #Income #PersonalFinance #GrossIncome #financetips #FinancialEducation #financialadvisor Do you know the difference between your income and taxable income It's an important number to keep in mind come tax season Discover the sweet spot for creating a tax-free retirement with the full video. ✔. 👉 https://youtu.be/AYPiBpqigX4 DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation" [YouTube Link](https://youtube.com/watch?v=58l13D1FqAw) 2023-04-11T23:00Z 47.5K followers, [----] engagements "Have You Heard of the Retirement Red Zone 🤔 #StockMarket #Investing #FinancialFreedom #RetirementPlanning #Retirement #financialeducation Depending on your age this stock market and bond market sell-off may present the last best opportunity to increase your wealth before you retire. The stock market is still down significantly from where it was at the end of [----]. And. it could get worse in the coming months. Is that opportunity Depending upon your age and financial situation it could be. In this video Colin Exelby CFP explains the retirement red zone and its impact on retirement planning." [YouTube Link](https://youtube.com/watch?v=6-s68-ySRvI) 2023-02-16T01:24Z 79.5K followers, [----] engagements "Retiring at [--] The BEST Healthcare Strategy for an Early Retirement Retiring before you are eligible for Medicare In this video Colin Exelby CFP Shows you strategies for covering the healthcare gap in early retirement. Retiring at [--] might sound exciting but theres one huge challenge that catches most people off guard healthcare. You wont qualify for Medicare until [--] and those three years in between can cost $20000 to $30000 per year if youre not prepared. In this video I break down exactly how to bridge that healthcare gap without draining your savings from using Roth IRA and HSA" [YouTube Link](https://youtube.com/watch?v=60cRpRNWLI8) 2025-10-17T20:26Z 81K followers, [----] engagements "Personal Finance Without the Noise Fear or Hype This channel focuses on personal finance strategy across every stage of life with a deeper emphasis on the decisions that matter most as retirement approaches. Personal finance changes as you move through lifebut every decision is connected. In this video I explain what See the Forest Through the Trees is really about: cutting through the noise focusing on strategy over hype and helping you make smarter financial and retirement decisions with clarity and confidenceno matter what stage youre in. Heres what to expect from the channel as we head" [YouTube Link](https://youtube.com/watch?v=7O9rTzDTYl4) 2025-12-19T15:31Z 81K followers, [----] engagements "Retiring at [--] May Be TOO LATE: Retirement Expert Explains Why In this video Colin Exelby CFP explains the reason why retiring at [--] may be a huge mistake Most people plan to retire at 65but what if thats too late In this video I explain why healthy life expectancynot just how long you live but how long you stay active and mobileis the real factor that could make or break your retirement. Ill break down what the data actually shows why the U.S. ranks so low and how waiting too long to retire could mean missing your best years. Youll also learn four key steps to retire earlier healthier and" [YouTube Link](https://youtube.com/watch?v=8xe2Fb2hApU) 2025-05-01T17:26Z 81K followers, 11.6K engagements "What Happens to Leftover [---] Funds CERTIFIED FINANCIAL PLANNER Explains Your Options In this video Colin Exelby CFP explains leftover [---] college savings funds and four ways to use those funds optimally. College is expensive and many parents take advantage of [---] plans for the tax breaks and growth opportunities they offer. But what happens when you end up with extra funds after your child graduates Whether its because of scholarships staying local or choosing a different path having leftover money in a [---] plan is more common than you might think. Don't worry We'll explore four smart" [YouTube Link](https://youtube.com/watch?v=BWnkxFnfWo4) 2024-09-26T17:00Z 76.7K followers, [----] engagements "401k Balances Near Record Highs [--] Tips to Increase your 401k Value In this video Colin Exelby CFP dives into the state of 401k savings in America and explore whether you're on track for retirement. While many Americans are contributing more to their 401k plans thanks to automatic enrollment and a booming stock market there's still a concerning gap in retirement savings. We break down the latest numbers discuss why the median 401k balance remains surprisingly low and offer practical tips to help boost your savings. If you're wondering how your 401k measures up and what steps you can take to" [YouTube Link](https://youtube.com/watch?v=EGYXzkoILTY) 2024-09-19T17:00Z 78.7K followers, [---] engagements "Joint Bank Accounts: A Simple Secret to Financial Success💯💰 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf When you get married you're now a team. Your income becomes our income. Joint accounts promote communication and transparency crucial for a healthy relationship. You can both see spending patterns manage cash flow together and create a sense of unity knowing that you're on the same financial page. Click here to learn the optimal way to manage your finances as a couple https://www.youtube.com/watchv=kcLRYjGYDRs&t=10s #MarriageGoals #FinancialUnity" [YouTube Link](https://youtube.com/watch?v=HzbJxkaV54o) 2024-07-26T23:45Z 76K followers, [----] engagements "The IRS Is Watching: Practical Tips for Avoiding an Audit With $80 billion added to the budget of the IRS you can bet one thing they are coming for you. With all this out-of-control government spending the Feds desperately need to raise money to pay for it. One of the easiest ways to do it is more enforcement of the existing tax laws. The IRS believes that this funding will result in an additional $124 billion in additional tax revenue from audits without raising tax rates. If you are watching this I bet you are a law abiding citizen happy to pay your fair share of taxes but not a penny more." [YouTube Link](https://youtube.com/watch?v=JuBmet5rqm0) 2022-08-30T17:00Z 75K followers, [----] engagements "High-yield savings accounts: Downsides you should know before opening one.❌ High-yield savings accounts: Downsides you should know before opening one.❌ #hysa #highyieldsavings #money #financialeducation #finance #personalfinance #interestrates #financialsecurity #financialfreedom Watch the entire video on HYSA here: 👉 https://youtu.be/8mCYXuGzM-U DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation to make an offer to buy or sell any securities or" [YouTube Link](https://youtube.com/watch?v=KODGum6v9sY) 2023-06-20T21:04Z 76.4K followers, 27.2K engagements "#1 Reason People Don't Have an HSA Yet (Health SavingsAccounts) In this video Colin Exelby CFP discusses the exciting changes coming in [----] for Health Savings Accounts (HSAs) including increased contribution limits the triple tax-free benefits and the strategic financial considerations for individuals and families. HSA enrollment continues to grow as Americans learn about these plans. In fact more employers also are offering matching contributions to your HSA account. Or if you work for the government in some capacity there is a healthy contribution waiting for you. At the end of 2022" [YouTube Link](https://youtube.com/watch?v=OCtxLS_dT3w) 2023-10-19T23:00Z 76K followers, [----] engagements "The Truth Behind 401K Loans: Debunking the Double Tax Myth You are Not Taxed Twice when taking and repaying a 401k Loan. Learn why and how you are taxed on a 401k loan in this video. Watch the entire video When Should You Take a 401k Loan 👉 https://youtu.be/3ZaKqHL-U_gsi=FkzV0hwK2L0KdxVv #401k #retirement #retirementstrategy #loan #finance #financialplanning #personalfinance #financialeducation DISCLAIMER : https://celestialwm.com/social-media-disclosures/" [YouTube Link](https://youtube.com/watch?v=OotBirEdeic) 2023-11-01T23:00Z 75.2K followers, [----] engagements "Welcome to the Members Elite Tier How This Works This is the introductory video for the See the Forest Through the Trees Members Elite Tier. In this video I explain why this membership exists how Ill use it and how its meant to help you filter financial tax and retirement information without adding noise. Inside the Member's Elite Tier I focus on: ➡ What actually changes when new tax or retirement rules are released ➡ Who those changes affect and who they dont ➡ When the correct response is to act and when its best to do nothing ➡ How I think through these issues in real planning scenarios" [YouTube Link](https://youtube.com/watch?v=PiLZUEuwsyk) 2026-01-20T18:15Z 79.7K followers, [--] engagements "Why the Roth Is the Most Powerful Tool for Tax-Free Retirement Income One of the biggest mistakes in retirement planning isnt how you invest its when and where your money gets taxed. In this video I break down why the Roth isnt just an account but a powerful strategy for creating tax-free retirement income. Youll learn how Roth money works differently why waiting for a lower tax bracket often backfires and how Roth strategies can protect Social Security reduce Medicare costs and give you more control no matter what Congress does next. This is part four in my series on building a 100% tax-free" [YouTube Link](https://youtube.com/watch?v=Qa_VQ7o2baE) 2026-01-09T21:30Z 81K followers, [----] engagements "The SECRET Social Security Math Nobody Shows Retirees Many retirees are often shown the same misleading Social Security break-even age but that number is misleading once you factor in the real math. Portfolio returns time value of money sequence-of-returns risk and lifestyle trade-offs are often never shown. This video is sponsored by Chapter. Find out more about your Medicare options by speaking with a real human in the U.S. Call Chapter to schedule your complimentary appointment at ➡ (818) 924-2041 or visit ➡ https://askchapter.org/CWM In this video I walk through a real example using new" [YouTube Link](https://youtube.com/watch?v=QaaV4FW3xGk) 2025-11-21T18:43Z 81K followers, 21.8K engagements "This is not a joke. [---] Funds Can Now Be Rolled Over into a Roth IRA Starting in 2024🫶 #personalfinance personalfinance #529 #collegeplanning #shorts #secureact2.0 The new Secure Act [---] that went into effect on Dec. 31st created the ability for anyone with a [---] Plan to rollover unused funds into a Roth IRA for the beneficiary if a few rules are followed starting in [----]. Previously some families were hesitant to fully maximize educational savings in the [---] plan because if too much money was in there penalties and taxes were levied on any distributions not used for educational purposes." [YouTube Link](https://youtube.com/watch?v=VkA4YluUMFQ) 2023-02-25T13:00Z 75.4K followers, 12.8K engagements "FINANCIAL ADVISOR EXPLAINS: The [--] Levels of Wealth In America In this video Colin Exelby CFP explains the [--] levels of wealth in America Most people focus on how much money they makebut thats the wrong question. In this video we reveal the real measure of financial success: your net worth not your income. Using the latest data from the Federal Reserve we break down the six wealth levels that define where you stand in todays economyfrom financial survival to the top 1%. You'll learn why high earners can still struggle how net worth is built and what key behaviors separate the wealthy from the" [YouTube Link](https://youtube.com/watch?v=aVv_igJ7cEo) 2025-06-27T20:00Z 81K followers, 117.1K engagements "The Surprising Reality of Retirement: Uncovering the Cheapest State to Live In 🤯 Which is the most affordable state to retire in🤔 #affordability #retire #retirementplan #happyretirement #retirementstrategy #usa #personalfinance #financialsecurity #financialfreedom #rolltide DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation to make an offer to buy or sell any securities or other financial instruments. This video is not intended to provide" [YouTube Link](https://youtube.com/watch?v=fWmN3IXTv9k) 2023-05-31T23:00Z 74.9K followers, [----] engagements "Why Current Tax Laws are a GAME CHANGER for Retirement Savings In todays video we break down why the current tax code is one of the biggest opportunities youll ever have to build tax-free retirement income. With historically low tax brackets massive standard deductions new senior bonus deductions and wide sweet spots that allow you to reposition income strategically the window for smart planning has never been better. Whether youre doing Roth conversions managing taxable income or optimizing long-term capital gains at 0% understanding the difference between income and taxable income could" [YouTube Link](https://youtube.com/watch?v=isj3zbvq35U) 2025-11-14T20:54Z 81K followers, [----] engagements "Forbes 2024: Inside America's Richest Black Billionaires #wealth #forbes Counting down the top [--] Black billionaires in the U.S. 💸🚀 Who will be new to the list next year Let me know in the comments. Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf 🔟 LeBron James - $1.2B [--] Tiger Woods - $1.3B [--] Tyler Perry - $1.4B [--] Rihanna - $1.4B [--] Alex Karp - $1.9B [--] Jay-Z - $2.5B [--] Oprah Winfrey - $2.8B [--] Michael Jordan - $3.2B [--] David Steward - $7.6B [--] Robert F. Smith - $9.2B #Top10 #Billionaires #LeBronJames #TigerWoods #TylerPerry #Rihanna #AlexKarp #JayZ" [YouTube Link](https://youtube.com/watch?v=rAI1oOlgIoM) 2024-07-10T00:30Z 75K followers, [----] engagements "Trump & Musk's NEW PLAN: Impact On Your Social Security During his campaign President Trump promised not to cut Social Security or Medicare benefits and proposed eliminating federal taxes on Social Security distributionsa move that could benefit millions of retirees. But how realistic is this plan and what are the potential consequences In this video Colin Exelby CFP unpacks the history of Social Security taxation analyzes the impact of Trump's proposal and explores alternative ideas from figures like Vivek Ramaswamy JD Vance and Elon Musk. With rising concerns about the Social Security trust" [YouTube Link](https://youtube.com/watch?v=rBStWjOwokk) 2025-01-17T21:00Z 81K followers, 1.9M engagements "The BIGGEST Retirement Myths Told By Finance Gurus In this video Im breaking down two of the most misleading retirement rules that continue to circulate online Dave Ramseys 8% withdrawal rule and Suze Ormans $5 million to retire claim. While these ideas might sound empowering they can actually set you up for disaster if you follow them blindly. This video is sponsored by Chapter. Find out more about your Medicare options by speaking with a real human in the U.S. Call Chapter to schedule your complimentary appointment at ➡ (818) 924-2041 or visit ➡ https://askchapter.org/CWM" [YouTube Link](https://youtube.com/watch?v=s4SHLb-fOU8) 2025-10-24T20:30Z 81K followers, 14.1K engagements "The Government Wants to Stop Wall Street from Buying Homes: Heres What Happens Next Buying a home has never felt harder and its not just because of interest rates. A new proposal aims to limit large institutional investors from buying single-family homes raising significant questions about who actually has access to housing in America. In this video we break down whats really happening in the housing market why so many people feel locked out and what this proposed change could mean for homeowners renters and anyone hoping to buy a home in the future. In this video institutional investors" [YouTube Link](https://youtube.com/watch?v=wyFRGZVlrTA) 2026-01-23T21:15Z 81K followers, [---] engagements "Stop Wasting Thousands in Retirement (The Money Leak No One Warns You About) What expenses to cut in retirement Most retirees worry about running out of money. In this video I break down the hidden costs draining thousands from retirees every year the fastest 5-minute fix that can put real money back in your pocket and the one expense almost every household needs to cut immediately. These small tweaks can completely transform your financial confidence in retirement. Watch to protect your savings and build a retirement you actually enjoy. #retirementplanning #retirehappy #financialfreedom" [YouTube Link](https://youtube.com/watch?v=zZMMu5s0WNo) 2025-12-12T21:30Z 81K followers, [----] engagements "Can the TRUMP Account Change Your Childs Future Is Trump really offering $1000 for every child through a new TRUMP Account In this video Certified Financial Planner Colin Exelby breaks down what the TRUMP Account actually is how it works and whether its a smart move for your childs financial future. From federal contributions and compounding investment growth to the pros and cons of contributing your own money Colin compares it to [---] plans tax credits and past government proposals. He explains whats at stake how the account could be used for education a first home or even starting a" [YouTube Link](https://youtube.com/watch?v=-yHK3HVCAwY) 2025-05-30T20:00Z 81K followers, [----] engagements "5 Things to Sell BEFORE Retiring In this video Colin Exelby CFP explains [--] things you should consider selling before you retire Retirement isnt just about what you add sometimes the real freedom comes from what you let go of. From oversized homes and extra cars to complicated investments and unused toys downsizing can give you back your time money and energy. In this video Ill show you why letting go of the right things before retirement can help you live lighter freer and with more peace of mind in your next chapter. #retirementplanning #financialfreedom #downsizing #retirementtips" [YouTube Link](https://youtube.com/watch?v=B-qQggvynvk) 2025-09-12T20:00Z 81K followers, [----] engagements "How to Pay $0 Taxes on a $100k Retirement Income (Easier Than You Think) Can retirees really generate $100000 of income and pay $0 in federal taxes In this video I walk through a real retirement example showing how Social Security dividends IRA withdrawals capital gains and Roth distributions interact under current U.S. tax law. Its possible to legally structure $100000 of income with little to no federal tax - the key to keeping more of your money in retirement. #retirementplanning #taxstrategy #retirementincome #taxfreeincome #financialplanning #retirementsavings #socialsecurity #rothira" [YouTube Link](https://youtube.com/watch?v=BCcWPAAS-7o) 2026-01-16T21:15Z 81K followers, 12.9K engagements "New Tax Bill Just Changed Retirement Rules Financial Planner Explains In this video Colin Exelby CFP dives deep into the new "Big Beautiful Bill" tax law. A brand-new 870-page bill just passed and its filled with changes that could have a major impact on your retirement. If you're already retired or just a few years away nows the time to pay attention. In this video Ill break down the most important updateswithout wasting your time. Were talking about permanent tax bracket changes a bigger standard deduction a brand-new Senior Bonus Deduction updates to Social Security taxation and even a few" [YouTube Link](https://youtube.com/watch?v=BL_Y9UDd6VY) 2025-08-01T20:30Z 81K followers, 26.5K engagements "Why Retirement Changes Once You Save $2M In Retirement Reaching the $2 million milestone in retirement isnt the finish lineits a turning point. In this video well unpack the five biggest traps that quietly drain wealth from retirees and the four-pillar framework you can use to protect and grow what youve built. From hidden tax risks to poor portfolio alignment and legacy blind spots youll discover how to shift from accumulation to preservation with confidence. Whether youre approaching retirement or already there this video will show you how to keep more of what youve earned simplify your" [YouTube Link](https://youtube.com/watch?v=C5XR8O13BOI) 2025-11-01T14:00Z 81K followers, 11.3K engagements "5 Years Out From Retirement Heres What You Must Do Now In this video Colin Exelby CFP explains [--] crucial things you must do now if you are planning on retiring in [--] years. Imagine two 60-year-oldssame age same income same timeline to retirement. Yet in just five years one comfortably retires while the other runs out of money. What made the difference In this video Ill break down the [--] guiding principles you need to take in the final [--] years before retirement. From supercharging your savings and building a bulletproof income plan to shielding your nest egg from market crashes and minimizing" [YouTube Link](https://youtube.com/watch?v=JbCiT99TXXw) 2025-07-05T13:15Z 81K followers, 223.7K engagements "IRS Releases NEW [----] IRS Tax Brackets - What You Need to Know In this video Colin Exelby CFP explains the new [----] IRS Tax Bracket Changes and how they'll impact you. The [----] tax season is here and there are some key changes you need to know In this video we break down updates to the standard deduction income and capital gains tax brackets the net investment income tax and Medicare premium surcharges. Plus Ill share smart strategies to lower your tax bill and keep more money in your pocket. Understanding how these updates impact your finances is crucial for effective tax planning. Dont" [YouTube Link](https://youtube.com/watch?v=Kzw-f9v-h2E) 2025-02-14T14:59Z 81K followers, 30.5K engagements "Should You Borrow to Invest Thanks for watching: Should You Borrow to Invest In this video Colin Exelby discusses when it may make sense to borrow to buy assets what risks are involved and how to structure the borrowing. Real Estate Crypto Business stocks.when does it make sense to borrow I am a Certified Financial Planner Professional or CFP. See the Forest Through the Trees is a personal finance health and wellness blog and YouTube Channel that aims to help you see the bigger picture. My goal is to help you think outside the box about your life your money and your health to be the best you" [YouTube Link](https://youtube.com/watch?v=P85Tjs8qs40) 2021-09-28T15:00Z 80.8K followers, 15.8K engagements "6 Retirement Purchases People Realize Too Late They Cant Afford Most retirement plans dont fail because of bad investing or market crashes they fail quietly through everyday spending decisions that feel earned at the time. In this video we break down six big purchases retirees almost always regret years later when changing course is no longer easy. This isnt about cutting joy out of retirement its about awareness so you dont accidentally undo decades of smart planning. #RetirementPlanning #RetirementMistakes #RetireSmart #FinancialFreedom #RetirementIncome #PersonalFinance #RetirementTips" [YouTube Link](https://youtube.com/watch?v=PDfUm_kqsO4) 2026-02-06T21:30Z 81K followers, [----] engagements "Why EVERYTHING in Retirement Changes When You Have a Pension Colin Exelby CFP explains how retirement changes when you have a pension. After [--] years of helping retirees navigate life after work I can tell youyour pension decision might be one of the most critical financial moves you ever make. Whether youre choosing between a lump sum or monthly payments weighing the risk of outliving your money or deciding how to protect your spouse theres a lot to unpack. In this video I break down everything you need to know about pensionshow they work the tradeoffs how PBGC protection fits in and" [YouTube Link](https://youtube.com/watch?v=bs3x9YUqxes) 2025-06-20T20:00Z 81K followers, 152.2K engagements "5 Eye-Opening Lessons Every New Retiree Learns In this video Colin Exelby CFP explains [--] things you should expect in year [--] of retirement. Most people think about what they are retiring from.but what are you retiring to Retirement isnt a finish lineits the starting point. The first year after you stop working is full of surprises that no spreadsheet can prepare you for: shifting routines relationship adjustments identity changes and financial realities that feel different when your portfolio becomes your paycheck. In this video Ill share five of the most common curveballs new retirees face" [YouTube Link](https://youtube.com/watch?v=etMYPyF1OD0) 2025-09-05T20:00Z 81K followers, 17.6K engagements "Retiring at 62: Smart Move or Costly Mistake Retiring at [--] can either be the best decision you ever make or a costly mistake that quietly drains your income for decades. In this video I break down the hidden costs and surprising benefits of retiring at [--] so you can decide if its right for you. *How early Social Security claiming really impacts lifetime income *The healthcare gap before Medicare and how expensive it can be *The hidden market risk most early retirees ignore *Why retiring at [--] can actually improve taxes health and quality of life *A simple framework to know if [--] works for" [YouTube Link](https://youtube.com/watch?v=fWz0b8A6vVQ) 2026-01-02T21:30Z 81K followers, [----] engagements "Is A Fully Paid Off Home in Retirement ACTUALLY Worth it Colin Exelby CFP breaks down if a fully paid off home is actually worth it in retirement. Is it always best to retire mortgage-free In this video we dive into one of the biggest retirement debates: should you pay off your mortgage or keep it While conventional wisdom suggests eliminating all debt before retirement the numbers tell a more nuanced story. From average housing expenses across the U.S. to investment returns on home equity and emotional ties to the family home we break down the real costsand benefitsof each path. Whether" [YouTube Link](https://youtube.com/watch?v=j-3MlzHHzMw) 2025-06-13T04:00Z 81K followers, 15.2K engagements "60 Years Old and Nothing Saved for Retirement - Top [--] Recommendations In this video Colin Exelby CFP covers his top [--] recommendations if you are [--] years old and have nothing saved for retirement. If youre [--] years old and dont have anything saved for retirement youre not aloneand its not too late to turn things around. In this video I share [--] powerful strategies to help you gain control of your finances reduce stress and create a retirement you can feel confident about. From cutting expenses and paying off debt to automating savings rethinking work and even improving your health these" [YouTube Link](https://youtube.com/watch?v=lkrs9hzhAA4) 2025-09-26T20:30Z 81K followers, [----] engagements "J.P. Morgan Studied [--] Million Retirees and found [--] SHOCKING Spending Surprises Colin Exelby CFP Dives Deep into the JP Morgan study breaking down [--] shocking retirement spending surprises. Are you still planning your retirement with outdated advice This video breaks down groundbreaking research from JP Morgan that analyzed over [--] million Chase households and revealed how real retiree spending patterns differ dramatically from what most financial planners still use. From the retirement honeymoon phase to the Go-Go Slow-Go and No-Go years Ill show you how understanding these patterns can help" [YouTube Link](https://youtube.com/watch?v=prYp3mB0wCc) 2025-06-06T20:00Z 81K followers, 182.5K engagements "Elder Care Planning [---] When to Hire an Attorney Thanks For Watching - Elder Care Planning [---] What Am I Missing According to recent Census data the oldest baby boomers will turn [--] next year. By [----] all baby boomers will be at least age [--]. 👴 Many of us are having to help our aging parents make both health and financial decisions. Planning for aging parents is becoming a larger and larger part of peoples wealth planning. 📝 Unfortunately in the financial planning profession far too often we are consulted when it is too late to do ideal planning for an aging parent. That is why I have a" [YouTube Link](https://youtube.com/watch?v=roRHZc2LjtA) 2021-11-17T16:30Z 80.6K followers, [----] engagements "High Yield Savings vs. Bank CDs vs. Treasury Bonds: Which One is Better for You With interest rates at some of the highest levels in the past twenty years should I keep my funds in my high yield savings lock them up in a bank CD for a year or invest in a Treasury Bond A key point to understand is that when locking up your funds you want to understand the risks involved. What if you need the funds early What are the potential penalties How much should you lock up and at what maturity In this video Colin Exelby CFP explains why it's important to diversify your funds across high yield savings" [YouTube Link](https://youtube.com/watch?v=8B5kBEIheBM) 2023-05-18T17:00Z 80.9K followers, 66.3K engagements "How Many Americans ACTUALLY Have $1 Million or More Ever wonder how many Americans are millionaires 💰 In this video we break down what it really means to have a $1 million net worth and the surprising truth behind the stats. Using data from the [----] UBS Global Wealth Report well show you how many people truly fit the definition what counts toward millionaire status and why the averages you see online can be so misleading. This video is sponsored by Chapter. Find out more about your Medicare options by speaking with a real human in the U.S. Call Chapter to schedule your complimentary" [YouTube Link](https://youtube.com/watch?v=AC-BpG4djxo) 2025-11-07T21:30Z 81K followers, 132.6K engagements "When Borrowing Against Your 401(k) is Actually a Good Idea 😲👍 #moneywisdom #401k Borrowing against your 401(k) is often seen as a financial taboo but there are actually some situations where it can be a good idea. In this short we'll discuss when it may be ideal to borrow against your 401k. Here are some situations where borrowing against your 401(k) may be a good idea: *To consolidate high-interest debt: If you have a lot of high-interest debt such as credit card debt borrowing against your 401(k) to consolidate it can save you money on interest. *To cover unexpected expenses: If you have" [YouTube Link](https://youtube.com/watch?v=dQX81KHl9jk) 2023-10-24T21:45Z 80.9K followers, 35.6K engagements "Solo 401k vs SEP IRA: Which is best for you SEP IRA vs Solo 401k. If you are a business owner AND you have a SEP IRA dont invest a dollar more until you watch this video on what I believe is the best-kept retirement plan secret in the industry. the Solo 401(k). Today I wanted to take some time to discuss a lesser-known retirement savings strategy for business owners. I almost want to call it a secret because so few business owners CPAs financial advisors or attorneys really know about what it is and what a benefit it can be. So stay tuned and I will discuss my [--] Reasons a business owner" [YouTube Link](https://youtube.com/watch?v=rty5oEnVR54) 2021-10-19T17:00Z 80.9K followers, [----] engagements "How to Become a CFP professional What is a Certified Financial Planner What is the difference between a CFP Professional or CERTIFIED FINANCIAL PLANNER and a Financial Advisor Broker Insurance Agent Registered Representative Financial Planner or Financial Consultant In this video we'll be talking about what a CERTIFIED FINANCIAL PLANNER Professional is. We'll also be discussing the difference between a financial advisor and a CERTIFIED FINANCIAL PLANNER. Finally we'll give you a few tips on how to become a CERTIFIED FINANCIAL PLANNER. If you're looking for information about becoming a" [YouTube Link](https://youtube.com/watch?v=zmptOwVlqIQ) 2019-04-30T12:58Z 80.9K followers, 46.5K engagements "7 Traps Investors Worry About That Dont Actually Matter Also called: Selective Indifference in Investing. In this video CFP professional Colin Exelby explains the concept of selective indifference in investing the practice of intentionally ignoring short-term market information that does not affect long-term financial outcomes. Many investors believe success comes from predicting markets or reacting quickly to economic news. In reality long-term investment success is driven primarily by behavior: staying invested avoiding panic decisions and following a consistent financial plan. Topics" [YouTube Link](https://youtube.com/watch?v=QYagO5dTvNw) 2026-02-13T21:15Z 81K followers, [---] engagements "6 Retirement Purchases People Realize Too Late They Cant Afford Most retirement plans dont fail because of bad investing or market crashes they fail quietly through everyday spending decisions that feel earned at the time. In this video we break down six big purchases retirees almost always regret years later when changing course is no longer easy. This isnt about cutting joy out of retirement its about awareness so you dont accidentally undo decades of smart planning. #RetirementPlanning #RetirementMistakes #RetireSmart #FinancialFreedom #RetirementIncome #PersonalFinance #RetirementTips" [YouTube Link](https://youtube.com/watch?v=PDfUm_kqsO4) 2026-02-06T21:30Z 81K followers, [----] engagements "Are 401(k) Loans Really a Terrible Idea 401(k) loans are often misunderstood this video explains when they can help and when they absolutely shouldnt be used. With credit card rates soaring and emergencies hitting harder than ever a 401(k) loan can sometimes be a smart low-cost tool when used correctly. In this video I break down when a 401(k) loan makes sense the risks you must understand and how to avoid the mistakes that actually damage retirement plans in [----]. #401k #PersonalFinance #RetirementPlanning #FinancialAdvice #MoneyMistakes #DebtStrategy #EmergencyFund #Investing" [YouTube Link](https://youtube.com/watch?v=fLfryuvGeXU) 2026-01-30T21:15Z 81K followers, [---] engagements "The Government Wants to Stop Wall Street from Buying Homes: Heres What Happens Next Buying a home has never felt harder and its not just because of interest rates. A new proposal aims to limit large institutional investors from buying single-family homes raising significant questions about who actually has access to housing in America. In this video we break down whats really happening in the housing market why so many people feel locked out and what this proposed change could mean for homeowners renters and anyone hoping to buy a home in the future. In this video institutional investors" [YouTube Link](https://youtube.com/watch?v=wyFRGZVlrTA) 2026-01-23T21:15Z 81K followers, [---] engagements "How to Pay $0 Taxes on a $100k Retirement Income (Easier Than You Think) Can retirees really generate $100000 of income and pay $0 in federal taxes In this video I walk through a real retirement example showing how Social Security dividends IRA withdrawals capital gains and Roth distributions interact under current U.S. tax law. Its possible to legally structure $100000 of income with little to no federal tax - the key to keeping more of your money in retirement. #retirementplanning #taxstrategy #retirementincome #taxfreeincome #financialplanning #retirementsavings #socialsecurity #rothira" [YouTube Link](https://youtube.com/watch?v=BCcWPAAS-7o) 2026-01-16T21:15Z 81K followers, 12.9K engagements "Why the Roth Is the Most Powerful Tool for Tax-Free Retirement Income One of the biggest mistakes in retirement planning isnt how you invest its when and where your money gets taxed. In this video I break down why the Roth isnt just an account but a powerful strategy for creating tax-free retirement income. Youll learn how Roth money works differently why waiting for a lower tax bracket often backfires and how Roth strategies can protect Social Security reduce Medicare costs and give you more control no matter what Congress does next. This is part four in my series on building a 100% tax-free" [YouTube Link](https://youtube.com/watch?v=Qa_VQ7o2baE) 2026-01-09T21:30Z 81K followers, [----] engagements "Retiring at 62: Smart Move or Costly Mistake Retiring at [--] can either be the best decision you ever make or a costly mistake that quietly drains your income for decades. In this video I break down the hidden costs and surprising benefits of retiring at [--] so you can decide if its right for you. *How early Social Security claiming really impacts lifetime income *The healthcare gap before Medicare and how expensive it can be *The hidden market risk most early retirees ignore *Why retiring at [--] can actually improve taxes health and quality of life *A simple framework to know if [--] works for" [YouTube Link](https://youtube.com/watch?v=fWz0b8A6vVQ) 2026-01-02T21:30Z 81K followers, [----] engagements "Personal Finance Without the Noise Fear or Hype This channel focuses on personal finance strategy across every stage of life with a deeper emphasis on the decisions that matter most as retirement approaches. Personal finance changes as you move through lifebut every decision is connected. In this video I explain what See the Forest Through the Trees is really about: cutting through the noise focusing on strategy over hype and helping you make smarter financial and retirement decisions with clarity and confidenceno matter what stage youre in. Heres what to expect from the channel as we head" [YouTube Link](https://youtube.com/watch?v=7O9rTzDTYl4) 2025-12-19T15:31Z 81K followers, [----] engagements "Retiring Soon Heres What to Do With Your 401(k) What to do with your 401(k) at retirement This is one of the biggest (and most stressful) financial decisions retirees face and the wrong move can trigger massive taxes or cost you long-term control. In this video I break down the three real options you have with your 401(k) explain how each one works and show you why rolling into an IRA is often the most flexible choice. I also share a free e-book that lays everything out side by side so you can choose confidently and avoid costly mistakes. ★☆★Get My Free E-Book.➡" [YouTube Link](https://youtube.com/watch?v=d0mXVn6A8Ck) 2025-12-19T21:30Z 81K followers, 56.1K engagements "Stop Wasting Thousands in Retirement (The Money Leak No One Warns You About) What expenses to cut in retirement Most retirees worry about running out of money. In this video I break down the hidden costs draining thousands from retirees every year the fastest 5-minute fix that can put real money back in your pocket and the one expense almost every household needs to cut immediately. These small tweaks can completely transform your financial confidence in retirement. Watch to protect your savings and build a retirement you actually enjoy. #retirementplanning #retirehappy #financialfreedom" [YouTube Link](https://youtube.com/watch?v=zZMMu5s0WNo) 2025-12-12T21:30Z 81K followers, [----] engagements "Avoid the Retirement Tax Trap: Find Your Ideal IRA & 401(k) Balance (2026) Most people dont realize theres an ideal amount to keep in pre-tax retirement accountsand going above or below it can dramatically increase your lifetime tax bill. In this video I show couples and single retirees how to find their sweet spot for truly tax-free income by aligning RMDs Social Security taxation and the standard deduction. Youll see real examples why the traditional max out pre-tax advice often backfires and how to calculate the exact IRA balance that keeps your withdrawals tax-free. If you want a" [YouTube Link](https://youtube.com/watch?v=7zTXncvmk4k) 2025-12-05T20:39Z 81K followers, 52.8K engagements "The SECRET Social Security Math Nobody Shows Retirees Many retirees are often shown the same misleading Social Security break-even age but that number is misleading once you factor in the real math. Portfolio returns time value of money sequence-of-returns risk and lifestyle trade-offs are often never shown. This video is sponsored by Chapter. Find out more about your Medicare options by speaking with a real human in the U.S. Call Chapter to schedule your complimentary appointment at ➡ (818) 924-2041 or visit ➡ https://askchapter.org/CWM In this video I walk through a real example using new" [YouTube Link](https://youtube.com/watch?v=QaaV4FW3xGk) 2025-11-21T18:43Z 81K followers, 21.8K engagements "Why Current Tax Laws are a GAME CHANGER for Retirement Savings In todays video we break down why the current tax code is one of the biggest opportunities youll ever have to build tax-free retirement income. With historically low tax brackets massive standard deductions new senior bonus deductions and wide sweet spots that allow you to reposition income strategically the window for smart planning has never been better. Whether youre doing Roth conversions managing taxable income or optimizing long-term capital gains at 0% understanding the difference between income and taxable income could" [YouTube Link](https://youtube.com/watch?v=isj3zbvq35U) 2025-11-14T20:54Z 81K followers, [----] engagements "How Many Americans ACTUALLY Have $1 Million or More Ever wonder how many Americans are millionaires 💰 In this video we break down what it really means to have a $1 million net worth and the surprising truth behind the stats. Using data from the [----] UBS Global Wealth Report well show you how many people truly fit the definition what counts toward millionaire status and why the averages you see online can be so misleading. This video is sponsored by Chapter. Find out more about your Medicare options by speaking with a real human in the U.S. Call Chapter to schedule your complimentary" [YouTube Link](https://youtube.com/watch?v=AC-BpG4djxo) 2025-11-07T21:30Z 81K followers, 132.6K engagements "Why Retirement Changes Once You Save $2M In Retirement Reaching the $2 million milestone in retirement isnt the finish lineits a turning point. In this video well unpack the five biggest traps that quietly drain wealth from retirees and the four-pillar framework you can use to protect and grow what youve built. From hidden tax risks to poor portfolio alignment and legacy blind spots youll discover how to shift from accumulation to preservation with confidence. Whether youre approaching retirement or already there this video will show you how to keep more of what youve earned simplify your" [YouTube Link](https://youtube.com/watch?v=C5XR8O13BOI) 2025-11-01T14:00Z 81K followers, 11.3K engagements "The BIGGEST Retirement Myths Told By Finance Gurus In this video Im breaking down two of the most misleading retirement rules that continue to circulate online Dave Ramseys 8% withdrawal rule and Suze Ormans $5 million to retire claim. While these ideas might sound empowering they can actually set you up for disaster if you follow them blindly. This video is sponsored by Chapter. Find out more about your Medicare options by speaking with a real human in the U.S. Call Chapter to schedule your complimentary appointment at ➡ (818) 924-2041 or visit ➡ https://askchapter.org/CWM" [YouTube Link](https://youtube.com/watch?v=s4SHLb-fOU8) 2025-10-24T20:30Z 81K followers, 14.1K engagements "Retiring at [--] The BEST Healthcare Strategy for an Early Retirement Retiring before you are eligible for Medicare In this video Colin Exelby CFP Shows you strategies for covering the healthcare gap in early retirement. Retiring at [--] might sound exciting but theres one huge challenge that catches most people off guard healthcare. You wont qualify for Medicare until [--] and those three years in between can cost $20000 to $30000 per year if youre not prepared. In this video I break down exactly how to bridge that healthcare gap without draining your savings from using Roth IRA and HSA" [YouTube Link](https://youtube.com/watch?v=60cRpRNWLI8) 2025-10-17T20:26Z 81K followers, [----] engagements "How to Make Social Security Tax-Free (The Secret IRS Formula) Are your Social Security benefits being taxed In this video Colin Exelby CFP breaks down the secret IRS math that determines how much of your Social Security is taxable and more importantly how to make your Social Security tax-free using smart retirement income planning. Youll learn: ➡ The exact Social Security combined income formula the IRS uses ➡ The key income thresholds for single and married filers ➡ Simple ways to avoid paying taxes on Social Security benefits ➡ How strategies like Roth conversions charitable giving and" [YouTube Link](https://youtube.com/watch?v=4iJLIAr65So) 2025-10-10T20:30Z 81K followers, [----] engagements "60 Years Old and Nothing Saved for Retirement - Top [--] Recommendations In this video Colin Exelby CFP covers his top [--] recommendations if you are [--] years old and have nothing saved for retirement. If youre [--] years old and dont have anything saved for retirement youre not aloneand its not too late to turn things around. In this video I share [--] powerful strategies to help you gain control of your finances reduce stress and create a retirement you can feel confident about. From cutting expenses and paying off debt to automating savings rethinking work and even improving your health these" [YouTube Link](https://youtube.com/watch?v=lkrs9hzhAA4) 2025-09-26T20:30Z 81K followers, [----] engagements "Medicare Advantage Plans LEAVING 2026: 1000000+ Seniors Affected In this video Colin Exelby CFP explains why over [-------] Seniors Are Losing Medicare Advantage Plans in [----]. United Healthcare announced plan exits that will impact 600000+ members. Other large and small carriers will follow suit. Stay informed with this video explaining upcoming changes to Medicare Advantage plans in [----] which could impact millions. Understand your Medicare eligibility and how these changes to Medicare affect your Medicare premiums. Get insurance tips to navigate your Medicare sign up and find medicare plans" [YouTube Link](https://youtube.com/watch?v=aYz7QZ33LYs) 2025-09-19T20:00Z 81K followers, [----] engagements "5 Things to Sell BEFORE Retiring In this video Colin Exelby CFP explains [--] things you should consider selling before you retire Retirement isnt just about what you add sometimes the real freedom comes from what you let go of. From oversized homes and extra cars to complicated investments and unused toys downsizing can give you back your time money and energy. In this video Ill show you why letting go of the right things before retirement can help you live lighter freer and with more peace of mind in your next chapter. #retirementplanning #financialfreedom #downsizing #retirementtips" [YouTube Link](https://youtube.com/watch?v=B-qQggvynvk) 2025-09-12T20:00Z 81K followers, [----] engagements "5 Eye-Opening Lessons Every New Retiree Learns In this video Colin Exelby CFP explains [--] things you should expect in year [--] of retirement. Most people think about what they are retiring from.but what are you retiring to Retirement isnt a finish lineits the starting point. The first year after you stop working is full of surprises that no spreadsheet can prepare you for: shifting routines relationship adjustments identity changes and financial realities that feel different when your portfolio becomes your paycheck. In this video Ill share five of the most common curveballs new retirees face" [YouTube Link](https://youtube.com/watch?v=etMYPyF1OD0) 2025-09-05T20:00Z 81K followers, 17.6K engagements "The BEST REASON to Retire As Soon As Possible In this video Colin Exelby CFP explains the top reason you should consider retirement sooner rather than later. If youve saved enough to retire waiting longer might be the biggest mistake you ever make. Money gives you security and freedom but once you reach enough extra years of work dont add real value they only cost you time. In this video Ill show you why your healthiest most vibrant years are too precious to trade for money you may never use and why retiring sooner could change your life. #RetirementPlanning #FinancialFreedom #RetireEarly" [YouTube Link](https://youtube.com/watch?v=HQdumbrkbfc) 2025-08-22T20:30Z 81K followers, 76.3K engagements "4 Things you MUST KNOW if You're Retiring With A Pension In this video Colin Exelby CFP explains how a pension changes your retirement planning. Retirement planning looks completely different when you have a pension and only 24% of working Americans do. That extra stream of guaranteed income can be a huge advantage but it also comes with unique challenges for taxes Social Security timing survivor benefits and investing. In this video well cover the four biggest things every pension holder must know: understanding exactly how your pension works avoiding tax traps (including the widows penalty)" [YouTube Link](https://youtube.com/watch?v=ZAssP8_dHV8) 2025-08-15T16:42Z 81K followers, 208.8K engagements "Should You Pay Off Your Mortgage Early or Invest (Real Life Example) Should you pay off your mortgage earlyor keep it and invest instead In this video we break down both sides using real numbers based on todays interest rates expected investment returns and even a real client scenario. Youll learn about mortgage efficiency how to compare debt costs to investment potential and the emotional side of being debt-free. By the end youll know exactly how to decide whats right for your situationwhether thats paying it off investing the difference or taking a balanced approach. #mortgage #mortgagetips" [YouTube Link](https://youtube.com/watch?v=PaApskRrlpU) 2025-08-08T20:00Z 81K followers, 17.3K engagements "New Tax Bill Just Changed Retirement Rules Financial Planner Explains In this video Colin Exelby CFP dives deep into the new "Big Beautiful Bill" tax law. A brand-new 870-page bill just passed and its filled with changes that could have a major impact on your retirement. If you're already retired or just a few years away nows the time to pay attention. In this video Ill break down the most important updateswithout wasting your time. Were talking about permanent tax bracket changes a bigger standard deduction a brand-new Senior Bonus Deduction updates to Social Security taxation and even a few" [YouTube Link](https://youtube.com/watch?v=BL_Y9UDd6VY) 2025-08-01T20:30Z 81K followers, 26.5K engagements "4 Ways to Pay Off Your Mortgage Early (Ugly TRUTH About Mortgage Interest) Most people think their mortgage is just about the monthly paymentbut thats only part of the story. In this video we break down the real cost of mortgage interest how its calculated and how much youre really paying over the life of the loan. Then we dive into [--] proven strategies (plus one powerful bonus tactic) to help you pay off your mortgage faster and save tensif not hundredsof thousands in interest. No gimmicks. No refinancing needed. Just smart actionable steps you can take starting today. Whether you're a" [YouTube Link](https://youtube.com/watch?v=ABl1yvSPl-o) 2025-07-25T20:30Z 81K followers, 10.5K engagements "Retire at [--] The Shocking Average Savings vs. What You Actually Need In this video Colin Exelby CFP breaks down the average savings in America vs the number you actually need for retirement. Wondering how much you really need to retire at [--] Youre not aloneand the answer might surprise you. While headlines throw out scary numbers like $800000 based on outdated rules of thumb the truth is far more personal. In this video we break down the real average and median retirement savings why the popular 8X rule can be misleading and how Social Security and realistic spending patterns in retirement" [YouTube Link](https://youtube.com/watch?v=OxZF_IaP_w4) 2025-07-18T20:00Z 81K followers, [----] engagements "Social Security Spousal Benefit Mistakes (The Truth Will Surprise You) In this video Colin Exelby CFP breaks down how spousal social security works. You may have heard that spousal Social Security benefits can pay up to half of your spouses benefitbut thats not always how it works. In fact many people are surprised when they receive much less than expected often because they misunderstood the rules or listened to outdated advice. In this video I break down exactly how spousal benefits are calculated the common misconceptions around getting half and why timing matters more than most people" [YouTube Link](https://youtube.com/watch?v=ZmjUpG1GM28) 2025-07-11T20:00Z 81K followers, 17.3K engagements "5 Years Out From Retirement Heres What You Must Do Now In this video Colin Exelby CFP explains [--] crucial things you must do now if you are planning on retiring in [--] years. Imagine two 60-year-oldssame age same income same timeline to retirement. Yet in just five years one comfortably retires while the other runs out of money. What made the difference In this video Ill break down the [--] guiding principles you need to take in the final [--] years before retirement. From supercharging your savings and building a bulletproof income plan to shielding your nest egg from market crashes and minimizing" [YouTube Link](https://youtube.com/watch?v=JbCiT99TXXw) 2025-07-05T13:15Z 81K followers, 223.7K engagements "FINANCIAL ADVISOR EXPLAINS: The [--] Levels of Wealth In America In this video Colin Exelby CFP explains the [--] levels of wealth in America Most people focus on how much money they makebut thats the wrong question. In this video we reveal the real measure of financial success: your net worth not your income. Using the latest data from the Federal Reserve we break down the six wealth levels that define where you stand in todays economyfrom financial survival to the top 1%. You'll learn why high earners can still struggle how net worth is built and what key behaviors separate the wealthy from the" [YouTube Link](https://youtube.com/watch?v=aVv_igJ7cEo) 2025-06-27T20:00Z 81K followers, 117.1K engagements "Why EVERYTHING in Retirement Changes When You Have a Pension Colin Exelby CFP explains how retirement changes when you have a pension. After [--] years of helping retirees navigate life after work I can tell youyour pension decision might be one of the most critical financial moves you ever make. Whether youre choosing between a lump sum or monthly payments weighing the risk of outliving your money or deciding how to protect your spouse theres a lot to unpack. In this video I break down everything you need to know about pensionshow they work the tradeoffs how PBGC protection fits in and" [YouTube Link](https://youtube.com/watch?v=bs3x9YUqxes) 2025-06-20T20:00Z 81K followers, 152.2K engagements "Is A Fully Paid Off Home in Retirement ACTUALLY Worth it Colin Exelby CFP breaks down if a fully paid off home is actually worth it in retirement. Is it always best to retire mortgage-free In this video we dive into one of the biggest retirement debates: should you pay off your mortgage or keep it While conventional wisdom suggests eliminating all debt before retirement the numbers tell a more nuanced story. From average housing expenses across the U.S. to investment returns on home equity and emotional ties to the family home we break down the real costsand benefitsof each path. Whether" [YouTube Link](https://youtube.com/watch?v=j-3MlzHHzMw) 2025-06-13T04:00Z 81K followers, 15.2K engagements "J.P. Morgan Studied [--] Million Retirees and found [--] SHOCKING Spending Surprises Colin Exelby CFP Dives Deep into the JP Morgan study breaking down [--] shocking retirement spending surprises. Are you still planning your retirement with outdated advice This video breaks down groundbreaking research from JP Morgan that analyzed over [--] million Chase households and revealed how real retiree spending patterns differ dramatically from what most financial planners still use. From the retirement honeymoon phase to the Go-Go Slow-Go and No-Go years Ill show you how understanding these patterns can help" [YouTube Link](https://youtube.com/watch?v=prYp3mB0wCc) 2025-06-06T20:00Z 81K followers, 182.5K engagements "Can the TRUMP Account Change Your Childs Future Is Trump really offering $1000 for every child through a new TRUMP Account In this video Certified Financial Planner Colin Exelby breaks down what the TRUMP Account actually is how it works and whether its a smart move for your childs financial future. From federal contributions and compounding investment growth to the pros and cons of contributing your own money Colin compares it to [---] plans tax credits and past government proposals. He explains whats at stake how the account could be used for education a first home or even starting a" [YouTube Link](https://youtube.com/watch?v=-yHK3HVCAwY) 2025-05-30T20:00Z 81K followers, [----] engagements "Where to Pull Funds from First in Retirement ➤ Related Strategy Video How Some Retirees Pay $0 Tax on $100000 of Income https://youtu.be/BCcWPAAS-7o In this new example I layer Social Security dividends IRA and Roth withdrawals to minimize taxes for viewers who want to go beyond withdrawal order. Colin Exelby CFP Explains Strategies to access your retirement accounts in the right order. How you access your nest egg can significantly impact how long your savings last and how much you pay in taxes. Its not just about saving for retirement but about strategically pulling from the right accounts" [YouTube Link](https://youtube.com/watch?v=0zxCJhufBNs) 2025-05-16T14:31Z 81K followers, [----] engagements "My Honest Advice on Working Past Age [--] Retire NOW Is working one more year really worth it In this video I break down a real-world retirement scenario of Marcus and Sophiaboth [--] and financially prepared to retire yet tempted to delay for more security. On paper working another year boosts their success rate dramatically. But what about their health dreams and time We explore how delaying retirement can cost more than moneyand why healthy life expectancy should be a central part of your plan. If youre approaching retirement this is a must-watch. #retirementplanning #retireearly" [YouTube Link](https://youtube.com/watch?v=7jc1e8ZCsd8) 2025-05-09T15:58Z 81K followers, 10.7K engagements "Retiring at [--] May Be TOO LATE: Retirement Expert Explains Why In this video Colin Exelby CFP explains the reason why retiring at [--] may be a huge mistake Most people plan to retire at 65but what if thats too late In this video I explain why healthy life expectancynot just how long you live but how long you stay active and mobileis the real factor that could make or break your retirement. Ill break down what the data actually shows why the U.S. ranks so low and how waiting too long to retire could mean missing your best years. Youll also learn four key steps to retire earlier healthier and" [YouTube Link](https://youtube.com/watch?v=8xe2Fb2hApU) 2025-05-01T17:26Z 81K followers, 11.6K engagements "Are You Making this EXPENSIVE RMD Mistake 84% Of Retirees Are In this video Colin Exelby CFP explains the most common RMD mistake 84% of people might be makingtaking only the minimum withdrawalwhy it's happening and how it could quietly cost you thousands in taxes and missed opportunities. You'll learn how RMDs are calculated the tax implications of growing account balances and when it might make sense to take more than the minimum. We also cover tax-efficient strategies like Roth conversions and reinvesting in non-retirement accounts plus how to avoid IRMAA surcharges and leaving a smarter" [YouTube Link](https://youtube.com/watch?v=6f81S0ilswo) 2025-04-04T17:20Z 81K followers, [----] engagements "Max Out Your Social Security with THIS Formula In this video Colin Exelby CFP breaks down what a bend point is and how to use it to calculate your social security earnings. Curious about how your Social Security benefit is actually calculated Its not as simple as just working for [--] years In this video I break down the secret government formulaincluding "bend points"that determine how much of your income actually counts toward your benefits. Spoiler: the more you earn the less you get back This is especially important for business owners as how you pay yourself could significantly impact your" [YouTube Link](https://youtube.com/watch?v=tbmc-nk9z1A) 2025-03-28T19:29Z 81K followers, [----] engagements "No Taxes on Social Security What You Need to Know In this video Colin Exelby CFP breaks down Trump's plan for eliminating taxes on Social Security. Nearly 40% of retirees pay taxes on their benefits despite contributing 12.4% of their income for years. Now Trump is proposing to eliminate these taxespotentially the biggest Social Security change in [--] years. But can America afford it Will it actually happen Support the Channel by Becoming a Community Member 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join #SocialSecurity #Retirement #Trump #Taxes #PersonalFinance #Wealth" [YouTube Link](https://youtube.com/watch?v=Eg1LvgurJ8A) 2025-03-13T14:24Z 81K followers, 79.8K engagements "How Much of Your Social Security Income Will Be Taxed. A Second Time In this video Colin Exelby CFP breaks down how social security is taxed and he provides three specific examples of social security taxation in retirement. Want to know if your Social Security benefits will be taxed In this video I break down the government's complex formula that determines how muchif anyof your Social Security is taxable. While some retirees pay taxes on up to 85% of their benefits others pay nothing at all. And its not just the wealthy getting hitnearly 40% of Americans are taxed on their Social Security" [YouTube Link](https://youtube.com/watch?v=K0oyEadmIe4) 2025-03-07T16:24Z 81K followers, 76.6K engagements "Did Elon Musk Discover the BIGGEST Financial Fraud in History In this video Colin Exelby CFP breaks down Elon Musks shocking claim about [--] million active Social Security numbers belonging to people over [---] years old. Is this a lie If he is correct it could be a huge deal for the solvency of the Social Security System. Join me and uncover whether this is a massive fraud if there are millions of payments to [---] year old people and if there is truly a government data error. Elon Musk just exposed what could be the biggest fraud in historyclaiming that over [--] million active Social Security" [YouTube Link](https://youtube.com/watch?v=p4e20l8RvNo) 2025-02-28T18:59Z 81K followers, 394.4K engagements "The Financial Troubles of Gen X - Here's How to Fix it In this video Colin Exelby CFP explains the financial struggles facing Gen X also called "the sandwich generation" and shares actionable strategies to overcome them. Gen X is in financial trouble and many wont realize it until its too late. With the oldest Gen Xers turning [--] major retirement decisions are looming yet many are vastly underprepared. This generation faces unique challengesfrom skyrocketing housing costs to inadequate retirement savingsleaving many on track to be worse off financially than their parents. In this video I" [YouTube Link](https://youtube.com/watch?v=2NRZTxHJ5ao) 2025-02-21T14:26Z 81K followers, 37.6K engagements "IRS Releases NEW [----] IRS Tax Brackets - What You Need to Know In this video Colin Exelby CFP explains the new [----] IRS Tax Bracket Changes and how they'll impact you. The [----] tax season is here and there are some key changes you need to know In this video we break down updates to the standard deduction income and capital gains tax brackets the net investment income tax and Medicare premium surcharges. Plus Ill share smart strategies to lower your tax bill and keep more money in your pocket. Understanding how these updates impact your finances is crucial for effective tax planning. Dont" [YouTube Link](https://youtube.com/watch?v=Kzw-f9v-h2E) 2025-02-14T14:59Z 81K followers, 30.5K engagements "Financial Planner REACTS To Dave Ramseys Social Security Advice In this video Colin Exelby CFP breaks down a key segment from Dave Ramsey's discussion on the best time to collect Social Security. With over [--] years of experience as a financial advisor Ive seen firsthand that theres no one-size-fits-all answer. Together well analyze the pros and cons of filing early the impact of income limits potential tax consequences and whether investing early benefits can truly outperform delaying. Daves advice works for manybut is it the right fit for you Lets dive in and see Dont miss my final takeaway" [YouTube Link](https://youtube.com/watch?v=0pmqdpFgtbs) 2025-02-07T21:00Z 81K followers, 371K engagements "5 High-Yield Savings Mistakes I Made (So You Don't Have To) In this video Colin Exelby CFP explains [--] things you need to know before opening up a High Yield Savings Account. I've had a high-yield savings account since [----]. I'm sharing [--] lessons I learned with my first HYSA so you don't have the same surprises. #PersonalFinance #HighYieldSavings #MoneyTips #FinancialFreedom #SavingsAccount #WealthBuilding #InvestSmart #MoneyManagement #FinanceTips #Savings 00:00-Introduction 01:00-The interest rate reality check 02:07-The multiple account advantage 03:45-The tax drawback 05:34-HYSAs Arent The" [YouTube Link](https://youtube.com/watch?v=ilYD8bqafNo) 2025-01-31T21:00Z 81K followers, 112.2K engagements "7 GREAT REASONS to File for Social Security at Age [--] Navigating Social Security benefits can be complex and this video explanation with Colin Exelby CFP breaks down key strategies for deciding when to file for benefits. Discover why the traditional break-even analysis is outdated learn [--] compelling reasons to collect benefits early and understand how personal circumstances like health family dynamics and financial markets can influence your optimal filing strategy. Whether you're approaching retirement or helping a loved one plan this guide offers crucial insights to make an informed" [YouTube Link](https://youtube.com/watch?v=lVj3O4GiMEc) 2025-01-24T21:00Z 81K followers, 2.7M engagements "Trump & Musk's NEW PLAN: Impact On Your Social Security During his campaign President Trump promised not to cut Social Security or Medicare benefits and proposed eliminating federal taxes on Social Security distributionsa move that could benefit millions of retirees. But how realistic is this plan and what are the potential consequences In this video Colin Exelby CFP unpacks the history of Social Security taxation analyzes the impact of Trump's proposal and explores alternative ideas from figures like Vivek Ramaswamy JD Vance and Elon Musk. With rising concerns about the Social Security trust" [YouTube Link](https://youtube.com/watch?v=rBStWjOwokk) 2025-01-17T21:00Z 81K followers, 1.9M engagements "Ideal Time to Claim Social Security: Age [--] vs. [--] What if you could be leaving $250000 on the table with ONE retirement decision 🤔 In this video we compare two retirees - Professor Pat and Nurse Nancy - to show how their different Social Security claiming strategies lead to drastically different outcomes in retirement. We break down: - The basics of how Social Security benefits are calculated - Why claiming Social Security at [--] vs [--] could make a $250K+ difference - A real-world comparison with $1M portfolios - The looming [----] Social Security crisis you need to know about - Critical" [YouTube Link](https://youtube.com/watch?v=0HeiCspa9-c) 2025-01-10T18:23Z 81K followers, 191.8K engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@seetheforestthroughthetrees See the Forest Through the Trees
See the Forest Through the Trees posts on YouTube about retirement, financial planner, finance, business the most. They currently have [------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.
Engagements: [------] #
- [--] Week [------] +38%
- [--] Month [-------] -5.30%
- [--] Months [---------] -24%
- [--] Year [---------] +33%
Mentions: [--] #
- [--] Week [--] +174%
- [--] Month [--] +120%
- [--] Months [--] +14%
- [--] Year [--] +45%
Followers: [------] #
- [--] Week [------] +0.37%
- [--] Month [------] +2.50%
- [--] Months [------] +24%
- [--] Year [------] +196%
CreatorRank: [-------] #
Social Influence
Social category influence finance countries technology brands stocks celebrities automotive brands financial services nba social networks us election
Social topic influence retirement #320, financial planner #39, finance #823, business #2980, financial #500, forest #1506, trees, how to, retire, money
Top accounts mentioned or mentioned by @celestialwealthmgmt
Top Social Posts
Top posts by engagements in the last [--] hours
"Pros and Cons of High Yield Savings Accounts - You Won't Believe What We Found In this video High Yield Savings Accounts are explained by Colin Exelby CFP giving you the pros and the cons. It seems that almost weekly I have a conversation with someone about finances and I ask do you have a high yield savings account and the answer is no. According to a recent survey from Time Magazines NextAdvisor Just 21% of adults with bank accounts have a high yield savings account. And 35% of people put money directly into low yield savings accounts at a traditional brick and mortar bank. Lets fix that."
YouTube Link 2023-01-26T18:00Z 81K followers, 222K engagements
"401k Loans Explained (You Should Take them More Often Than You May Think) Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Should You Borrow against your 401(k) In this video CERTIFIED FINANCIAL PLANNER Professional Colin Exelby discusses this controversial topic. Some people think 401k loans are great planning tools and others say they are horrible. Which is it Have you ever been told never ever borrow against your 401k Were you taught this by your parents Did some financial advisor tell you that Did you ask why In my opinion taking a 401k loan or TSP loan"
YouTube Link 2022-07-21T17:00Z 81K followers, 102.8K engagements
"Avoid the Retirement Tax Trap: Find Your Ideal IRA & 401(k) Balance (2026) Most people dont realize theres an ideal amount to keep in pre-tax retirement accountsand going above or below it can dramatically increase your lifetime tax bill. In this video I show couples and single retirees how to find their sweet spot for truly tax-free income by aligning RMDs Social Security taxation and the standard deduction. Youll see real examples why the traditional max out pre-tax advice often backfires and how to calculate the exact IRA balance that keeps your withdrawals tax-free. If you want a"
YouTube Link 2025-12-05T20:39Z 81K followers, 52.8K engagements
"No Taxes on Social Security What You Need to Know In this video Colin Exelby CFP breaks down Trump's plan for eliminating taxes on Social Security. Nearly 40% of retirees pay taxes on their benefits despite contributing 12.4% of their income for years. Now Trump is proposing to eliminate these taxespotentially the biggest Social Security change in [--] years. But can America afford it Will it actually happen Support the Channel by Becoming a Community Member 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join #SocialSecurity #Retirement #Trump #Taxes #PersonalFinance #Wealth"
YouTube Link 2025-03-13T14:24Z 81K followers, 79.8K engagements
"The BEST REASON to Retire As Soon As Possible In this video Colin Exelby CFP explains the top reason you should consider retirement sooner rather than later. If youve saved enough to retire waiting longer might be the biggest mistake you ever make. Money gives you security and freedom but once you reach enough extra years of work dont add real value they only cost you time. In this video Ill show you why your healthiest most vibrant years are too precious to trade for money you may never use and why retiring sooner could change your life. #RetirementPlanning #FinancialFreedom #RetireEarly"
YouTube Link 2025-08-22T20:30Z 81K followers, 76.3K engagements
"How Much of Your Social Security Income Will Be Taxed. A Second Time In this video Colin Exelby CFP breaks down how social security is taxed and he provides three specific examples of social security taxation in retirement. Want to know if your Social Security benefits will be taxed In this video I break down the government's complex formula that determines how muchif anyof your Social Security is taxable. While some retirees pay taxes on up to 85% of their benefits others pay nothing at all. And its not just the wealthy getting hitnearly 40% of Americans are taxed on their Social Security"
YouTube Link 2025-03-07T16:24Z 81K followers, 76.6K engagements
"Should You Pay Off Your Mortgage Early or Invest (Real Life Example) Should you pay off your mortgage earlyor keep it and invest instead In this video we break down both sides using real numbers based on todays interest rates expected investment returns and even a real client scenario. Youll learn about mortgage efficiency how to compare debt costs to investment potential and the emotional side of being debt-free. By the end youll know exactly how to decide whats right for your situationwhether thats paying it off investing the difference or taking a balanced approach. #mortgage #mortgagetips"
YouTube Link 2025-08-08T20:00Z 81K followers, 17.3K engagements
"7 Traps Investors Worry About That Dont Actually Matter Also called: Selective Indifference in Investing. In this video CFP professional Colin Exelby explains the concept of selective indifference in investing the practice of intentionally ignoring short-term market information that does not affect long-term financial outcomes. Many investors believe success comes from predicting markets or reacting quickly to economic news. In reality long-term investment success is driven primarily by behavior: staying invested avoiding panic decisions and following a consistent financial plan. Topics"
YouTube Link 2026-02-13T21:15Z 81K followers, [---] engagements
"4 Things you MUST KNOW if You're Retiring With A Pension In this video Colin Exelby CFP explains how a pension changes your retirement planning. Retirement planning looks completely different when you have a pension and only 24% of working Americans do. That extra stream of guaranteed income can be a huge advantage but it also comes with unique challenges for taxes Social Security timing survivor benefits and investing. In this video well cover the four biggest things every pension holder must know: understanding exactly how your pension works avoiding tax traps (including the widows penalty)"
YouTube Link 2025-08-15T16:42Z 81K followers, 208.8K engagements
"Social Security Spousal Benefit Mistakes (The Truth Will Surprise You) In this video Colin Exelby CFP breaks down how spousal social security works. You may have heard that spousal Social Security benefits can pay up to half of your spouses benefitbut thats not always how it works. In fact many people are surprised when they receive much less than expected often because they misunderstood the rules or listened to outdated advice. In this video I break down exactly how spousal benefits are calculated the common misconceptions around getting half and why timing matters more than most people"
YouTube Link 2025-07-11T20:00Z 81K followers, 17.3K engagements
"Retiring Soon Heres What to Do With Your 401(k) What to do with your 401(k) at retirement This is one of the biggest (and most stressful) financial decisions retirees face and the wrong move can trigger massive taxes or cost you long-term control. In this video I break down the three real options you have with your 401(k) explain how each one works and show you why rolling into an IRA is often the most flexible choice. I also share a free e-book that lays everything out side by side so you can choose confidently and avoid costly mistakes. ★☆★Get My Free E-Book.➡"
YouTube Link 2025-12-19T21:30Z 81K followers, 56.1K engagements
"5 High-Yield Savings Mistakes I Made (So You Don't Have To) In this video Colin Exelby CFP explains [--] things you need to know before opening up a High Yield Savings Account. I've had a high-yield savings account since [----]. I'm sharing [--] lessons I learned with my first HYSA so you don't have the same surprises. #PersonalFinance #HighYieldSavings #MoneyTips #FinancialFreedom #SavingsAccount #WealthBuilding #InvestSmart #MoneyManagement #FinanceTips #Savings 00:00-Introduction 01:00-The interest rate reality check 02:07-The multiple account advantage 03:45-The tax drawback 05:34-HYSAs Arent The"
YouTube Link 2025-01-31T21:00Z 81K followers, 112.2K engagements
"The FIRE Movement is One of the DUMBEST Mistakes You Can Make Youve heard of FIRE right FIRE stands for: Financial Independence Retire Early. The basic idea of FIRE is that if you learn to live a minimalist lifestyle while saving and investing between 60% and 80% of your income within a decade or so youll have created enough wealth to live on the interest and quit working for someone else giving you the financial independence to do what you want when you want. Now in order to do this it requires significant sacrifice. But Colin Exelby CFP believes the FIRE movement is one of the dumbest"
YouTube Link 2023-02-09T18:00Z 81K followers, 23.9K engagements
"7 GREAT REASONS to File for Social Security at Age [--] Navigating Social Security benefits can be complex and this video explanation with Colin Exelby CFP breaks down key strategies for deciding when to file for benefits. Discover why the traditional break-even analysis is outdated learn [--] compelling reasons to collect benefits early and understand how personal circumstances like health family dynamics and financial markets can influence your optimal filing strategy. Whether you're approaching retirement or helping a loved one plan this guide offers crucial insights to make an informed"
YouTube Link 2025-01-24T21:00Z 81K followers, 2.7M engagements
"Roth IRA: The Two 5-Year Rules You NEED to Know (Don't Lose Your Money) In this video Colin Exelby CFP explains the Roth IRA Five Year Rules for both contributions and conversions. You will learn what they both mean how they affect you and see specific examples. Well also cover exceptions that allow penalty-free withdrawals for specific life events ensuring you can make the most of your Roth IRA without financial setbacks. Join us to master these critical rules and secure a tax-efficient future. 00:00- Introduction 0:45- The Contribution Rule 2:25- Exceptions to the Rule 3:50- Inheriting a"
YouTube Link 2024-04-25T15:00Z 80.4K followers, [----] engagements
"Are 401(k) Loans Really a Terrible Idea 401(k) loans are often misunderstood this video explains when they can help and when they absolutely shouldnt be used. With credit card rates soaring and emergencies hitting harder than ever a 401(k) loan can sometimes be a smart low-cost tool when used correctly. In this video I break down when a 401(k) loan makes sense the risks you must understand and how to avoid the mistakes that actually damage retirement plans in [----]. #401k #PersonalFinance #RetirementPlanning #FinancialAdvice #MoneyMistakes #DebtStrategy #EmergencyFund #Investing"
YouTube Link 2026-01-30T21:15Z 81K followers, [---] engagements
"Pros and Cons of Paying Off Your Mortgage Early I've been in the business of giving financial advice for over [--] years and during my time in the business one of the most asked questions is "Should I pay off my home mortgage early" In this video learn about the pros and cons of paying off a 3% a 6% or a 9% mortgage early from CERTIFIED FINANCIAL PLANNER Professional Colin Exelby. ★☆★ Link to Free Training Video ★☆★ https://celestialwm.com/free-training-video/ I am a Certified Financial Planner Professional or CFP. See the Forest Through the Trees is a personal finance health and wellness blog"
YouTube Link 2021-10-06T17:00Z 61.1K followers, 10.1K engagements
"Why Art Should Be In Your Investment Portfolio & How to Buy It In this video Colin Exelby CFP explains if art investing is a good idea. Colin discusses the benefits of art investing the risks of art investing and if you can make money owning art. Art is an alternative investment that may help diversify your portfolio. It's an emerging asset class made up of fine art contemporary art and blue chip art. What's the best platform for art investing That is up for debate but one of the first to market is Masterworks. How does fractional art investing work Watch this video to learn about art"
YouTube Link 2024-06-13T17:00Z [--] followers, [--] engagements
"Trumps Tariff Plan: Will it SAVE or WRECK the Economy Are tariffs the key to reclaiming American innovation or just another cost for consumers In this video we dive into Trumps proposed tariffs their impact on U.S. manufacturing jobs and your wallet. From historical lessons to future implications well uncover how these policies could reshape the economy and your investments. #Tariffs #AmericanEconomy #TrumpPolicy #USManufacturing #TradeWar #Investments #PersonalFinance #innovationinhealth 00:00-Introduction 00:50-Why Are Tariffs Such A Big Deal 03:40-What Are Tariffs 06:30-Top [--] Countries"
YouTube Link 2024-11-22T21:00Z 12K followers, 14.3K engagements
"Retire ASAP If You Answer YES to These [--] Questions Ever found yourself working late and asking Why havent I retired yet Retirement is one of the biggest decisions youll ever make and knowing when its time can be tough. From health concerns to reconnecting with family and even deciding what your retirement could look like theres so much to consider. In this video Ill guide you through [--] essential questions to help you decide if youre ready to retire. If youre answering yes to most of these it might be time to plan for your next chapter. Remember retirement isnt about stoppingits about starting"
YouTube Link 2024-12-20T21:00Z 12.3K followers, [----] engagements
"Where to Pull Funds from First in Retirement ➤ Related Strategy Video How Some Retirees Pay $0 Tax on $100000 of Income https://youtu.be/BCcWPAAS-7o In this new example I layer Social Security dividends IRA and Roth withdrawals to minimize taxes for viewers who want to go beyond withdrawal order. Colin Exelby CFP Explains Strategies to access your retirement accounts in the right order. How you access your nest egg can significantly impact how long your savings last and how much you pay in taxes. Its not just about saving for retirement but about strategically pulling from the right accounts"
YouTube Link 2025-05-16T14:31Z 81K followers, [----] engagements
"Joint Bank Accounts = Happy Marriage 😀💰 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Imagine being part of a team as legendary as the Celtics and Lakers or Patriots and Yankees - that's what marriage is like When you get married your income becomes OUR income. Joint accounts = more communication transparency and teamwork. See spending patterns manage cash flow together and build a stronger relationship knowing you're on the same financial page. . Want to master managing your finances as a couple 💰👫 Check out this video where I reveal the top"
YouTube Link 2024-06-29T00:14Z 10.6K followers, [---] engagements
"🎉 Inherited a ROTH IRA Herss How to Score Tax-Free Withdrawals 💸✨ Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Attention Roth IRA Beneficiaries Did you know you can still get tax-free and penalty-free distributions even if you just inherited the account Here's the key: wait until the five-year holding period is met. If the original owner had the account for three years just wait another two before withdrawing. Patience pays off in the long run Looking for a deep dive into the 5-year Rules of ROTH IRAS so you dont BLOW UP your strategy click the link"
YouTube Link 2024-06-15T00:30Z 10.4K followers, [---] engagements
"How to Make Social Security Tax-Free (The Secret IRS Formula) Are your Social Security benefits being taxed In this video Colin Exelby CFP breaks down the secret IRS math that determines how much of your Social Security is taxable and more importantly how to make your Social Security tax-free using smart retirement income planning. Youll learn: ➡ The exact Social Security combined income formula the IRS uses ➡ The key income thresholds for single and married filers ➡ Simple ways to avoid paying taxes on Social Security benefits ➡ How strategies like Roth conversions charitable giving and"
YouTube Link 2025-10-10T20:30Z 81K followers, [----] engagements
"Are You Making this EXPENSIVE RMD Mistake 84% Of Retirees Are In this video Colin Exelby CFP explains the most common RMD mistake 84% of people might be makingtaking only the minimum withdrawalwhy it's happening and how it could quietly cost you thousands in taxes and missed opportunities. You'll learn how RMDs are calculated the tax implications of growing account balances and when it might make sense to take more than the minimum. We also cover tax-efficient strategies like Roth conversions and reinvesting in non-retirement accounts plus how to avoid IRMAA surcharges and leaving a smarter"
YouTube Link 2025-04-04T17:20Z 81K followers, [----] engagements
"Surprising Impact of the [----] Financial Crisis on YOUR savings #highyield #hysa #personalfinance In this video Colin Exelby CFP explains how the banking industry changed after the [----] financial crisis and how it negatively effects your savings. #hysa #highyieldsavings #financialcrisis #2008financialcrisis #recession #stockmarket #finance #personalfinance #savingsaccount #financialsecurity Learn all about the Pros and Cons of High Yield Savings Account 👉 https://youtu.be/8mCYXuGzM-U DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland"
YouTube Link 2023-08-09T00:15Z 63.9K followers, [----] engagements
"DIY Finances: Who Really Doesnt Need a Financial Advisor 🤔 In this video I'm sharing my thoughts on who shouldn't use a financial advisor. #personalfinance #financialadvisor #wealth #certifiedfinancialplanner #moneymanagement #financialplanning #personalfinance #financialeducation Heres why you dont probably need a financial advisor 👉 YouDon'tNeedaFinancialAdvisor. DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation to make an offer to buy or sell"
YouTube Link 2023-08-31T23:04Z [----] followers, [---] engagements
"My Honest Advice on Working Past Age [--] Retire NOW Is working one more year really worth it In this video I break down a real-world retirement scenario of Marcus and Sophiaboth [--] and financially prepared to retire yet tempted to delay for more security. On paper working another year boosts their success rate dramatically. But what about their health dreams and time We explore how delaying retirement can cost more than moneyand why healthy life expectancy should be a central part of your plan. If youre approaching retirement this is a must-watch. #retirementplanning #retireearly"
YouTube Link 2025-05-09T15:58Z 81K followers, 10.7K engagements
"4 Ways to Pay Off Your Mortgage Early (Ugly TRUTH About Mortgage Interest) Most people think their mortgage is just about the monthly paymentbut thats only part of the story. In this video we break down the real cost of mortgage interest how its calculated and how much youre really paying over the life of the loan. Then we dive into [--] proven strategies (plus one powerful bonus tactic) to help you pay off your mortgage faster and save tensif not hundredsof thousands in interest. No gimmicks. No refinancing needed. Just smart actionable steps you can take starting today. Whether you're a"
YouTube Link 2025-07-25T20:30Z 81K followers, 10.5K engagements
"Hoarding Your Nest Egg Overcome the Fear of Outliving Your Savings😲 #money Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Retirement is supposed to be a time to enjoy the fruits of your labor but why is it so difficult for many to spend their hard-earned savings Even those with substantial wealth often face challenges when it comes to using their nest egg. From the fear of running out of money to adapting to a new lifestyle there are key factors that hold us back. Tune in to learn how to master the skill of spending wisely in retirement and make the most"
YouTube Link 2024-10-12T17:30Z 11.6K followers, [---] engagements
"Using a Hidden Formula to Maximize Your Social Security Benefits In this video Colin Exelby CFP breaks down what a bend point is and how to use it to calculate your social security earnings. Curious about how your Social Security benefit is actually calculated Its not as simple as just working for [--] years In this video I break down the secret government formulaincluding "bend points"that determine how much of your income actually counts toward your benefits. Spoiler: the more you earn the less you get back This is especially important for business owners as how you pay yourself could"
YouTube Link 2025-03-28T17:52Z 46.5K followers, [--] engagements
"Financial Planner Explains: Everyday Money Habits That Keep You Poor Are your money habits silently sabotaging your financial future In this video I expose [--] common bad money habits that could be holding you back from achieving true financial freedom. These habits might seem harmless but they could be the reason youre stuck living paycheck to paycheck or struggling to build wealth. #MoneyHabits #PersonalFinance #FinancialFreedom #WealthBuilding #InvestingTips #SaveMoney #DebtFree #FinancialPlanning #MoneyManagement #smartinvesting 00:00-Introduction 00:45-9 Most Common Bad Money Habits"
YouTube Link 2024-12-04T01:56Z 67.1K followers, [----] engagements
"Do This Every Time You Get Paid. Payday Routine from CERTIFIED FINANCIAL PLANNER Part [--] In this video Colin Exelby CFP explains the ideal payday paycheck routine. As payday swiftly comes and goes most people don't have a set payday routine leaving many to wonder where their hard-earned money has vanished. Today we delve into the crucial steps every individual should take the moment their paycheck lands. This video aims to unravel the complexities of paycheck management. From building an emergency fund to maximizing employer 401(k) matches. Despite common misconceptions and the looming shadow"
YouTube Link 2024-04-11T17:00Z 11.7K followers, [----] engagements
"Watch Out [--] Common Investment Blunders that can Wreck your Personal Finances 🫣 Watch Out [--] Common Investment Blunders that can Wreck your Finances Stay away from these three common investment pitfalls. Losing money is never fun. Its even worse when you should have known better. Follow these three tips to help safeguard your wealth. #investing #scam #fraud #financialadvice #personalfinance #financialeducation #finance #savings Safeguard your wealth by watching the full video 👉 https://www.youtube.com/watchv=GmtfjqIw0Ps DISCLAIMER : https://celestialwm.com/social-media-disclosures/"
YouTube Link 2023-10-02T23:30Z 11.7K followers, [---] engagements
"Pre-Tax vs. Roth 401k: How to Pick Correctly✨ #personalfinance #money Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf If you're wrestling with the decision between traditional and Roth contributions remember this: the future is uncertain but your strategy doesnt have to be. Many assume lower tax rates post-retirement but surprises aren't always pleasant. Consider hedging your betssplit your investments between traditional and Roth. Its like having the best of both worlds giving you a buffer against future tax uncertainties. Invest wisely because when it"
YouTube Link 2024-04-22T23:00Z 59.7K followers, [----] engagements
"I Bonds Explained by a CERTIFIED FINANCIAL PLANNER Professional. Interest Rates Headed Higher Looking to protect against inflation Then learn about I bonds in this video ★ The Complete Guide To Investing In I bonds From Certified Financial Planner Colin Exelby. ★ Earn 6.89% Interest With This Government I Bond I bonds also called Inflation Linked Bonds are issued by the United States Government and are designed to protect the value of your cash from inflation. How do they work Check out this video and Ill explain the ins and outs of I bonds and whether they may deserve a place in your"
YouTube Link 2021-12-07T16:30Z 63.8K followers, 29.1K engagements
"Trumps Trade Playbook: Will Tariffs Work 🛒 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Trump's Tariffs. Trumps economic plan hinges on one key word: tariffs. He calls them 'beautiful' and sees them as a way to protect American jobs generate government revenue and hold other countries accountable. But will this long-term strategy to reset trade agreements and stimulate U.S. economic growth pay off Lets unpack what it means for your wallet and the global economy. #TrumpEconomics #Tariffs #AmericanJobs #TradePolicy #EconomicStrategy #USGrowth #Imports"
YouTube Link 2024-12-19T18:00Z 12.3K followers, [----] engagements
"Secure Income = Confident Spending 💪💰#retirementplanning Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Wondering why some retirees spend more freely It often comes down to how their wealth is allocated. Those with guaranteed income streams like treasury bonds or fixed annuities tend to feel more secure spending than those heavily invested in fluctuating markets. You can even set up your retirement income to feel like a paycheck with regular deposits helping you enjoy your hard-earned money without hesitation . #RetirementIncome #SmartInvesting"
YouTube Link 2024-11-07T23:00Z 11.7K followers, [---] engagements
"The #1 American WEALTH TRAP No One Is Talking About How is it that so many people work hard every day yet feel stuck financially The answer might surprise youits a hidden wealth trap thats quietly draining middle-class Americans. Discover what it is and how you can take control of your financial future. 00:00-Introduction 00:21-The Wealth Trap Revealed 01:36-Costs of Buying a New Car 04:44-Cost of Buying a Used Car Instead 07:13-The Opportunity Cost of Investing Instead 08:01-Looking At The Numbers of Investing the Savings 10:46-What We Need VS. What We Want #MoneyTips #FinancialFreedom"
YouTube Link 2024-11-28T18:04Z 73.3K followers, [----] engagements
"Is Your Driveway Keeping You Broke🏠🚗 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf What if your car is the biggest obstacle to building wealth 🚘💸 Hidden costs like depreciation and insurance add up faster than you think. Take the Ford F-150while the sticker price is $45000 the 5-year cost of ownership exceeds $57000 including a staggering $20000 in depreciation alone. Check out my previous video for smarter alternatives to set yourself up for financial success: #CarCosts #FinancialFreedom #WealthBuilding #HiddenExpenses #FordF150 #MoneyTips"
YouTube Link 2024-12-01T01:00Z 12.2K followers, [---] engagements
"💰 Seize the Youthful Wisdom 💡 Learn Personal Finance Early In your 20s and 30s your mind is a sponge absorbing financial knowledge like a pro Maximize this phase by soaking up personal finance wisdom to compensate for your lack of experience. As you age your financial expertise grows witnessing both successes and failures among family and friends. You gain clarity on your strengths and weaknesses and your humility increases making you more open to seeking guidance from those who've walked in your shoes. #FinancialWisdom #YouthfulSavings #LifeSkills #PersonalFinance #GrowYourWealth"
YouTube Link 2024-01-10T00:00Z 11.7K followers, [---] engagements
"Cash is King: Build Your Financial Safety Net 💰👑 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf A solid financial foundation starts with being prepared for the unexpected. Evaluate your cash reserves and ensure you have enough to cover deductibles and emergencies. Aim for six months of living expenses in a high-yield savings account to protect your peace of mind. Dont let life catch you off guardplan ahead . Watch the full video here for an in-depth look at each step: . #EmergencyFund #CashReserve #FinancialTips #MoneyMatters #Budgeting101 #SaveSmart"
YouTube Link 2024-11-19T01:00Z 12.1K followers, [---] engagements
"Build Your Full Emergency Fund Step 4💰 #money #shorts Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Step [--] is all about security: Building a robust emergency fund in a high yield savings account. Struggle to manage your funds after payday Watch the payday routine of a CERTIFIED FINANCIAL PLANNERProfessional👉 https://www.youtube.com/watchv=Ce-UuYjMNmI&t=2s #EmergencyFund #FinancialSecurity #HighYieldSavings #DebtFree #SmartSavings DISCLAIMER: https://celestialwm.com/social-media-disclosures/"
YouTube Link 2024-05-08T23:15Z 11.7K followers, [---] engagements
"Retire at [--] The Shocking Average Savings vs. What You Actually Need In this video Colin Exelby CFP breaks down the average savings in America vs the number you actually need for retirement. Wondering how much you really need to retire at [--] Youre not aloneand the answer might surprise you. While headlines throw out scary numbers like $800000 based on outdated rules of thumb the truth is far more personal. In this video we break down the real average and median retirement savings why the popular 8X rule can be misleading and how Social Security and realistic spending patterns in retirement"
YouTube Link 2025-07-18T20:00Z 81K followers, [----] engagements
"This Mistake Can Cost You The Importance of Diversification 🥚 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Dont put all your eggs in one basket" applies to investing too Instead of relying on a single type of fund like a money market or stable value fund consider diversifying with index and target date funds. They simplify access to the global stock market's growth and spread your risk over time. It's all about smarter more balanced investing Want to dive deeper into the state of 401k savings in America and explore whether you're on track for"
YouTube Link 2024-10-15T00:00Z 11.6K followers, [---] engagements
"High Yield Savings are a great start but lets think LONG-TERM wealth creation #money #hysa High yield savings accounts (HYSA) are a huge upgrade over a traditional savings account. But they arent your ticket to long-term wealth creation. Once a solid foundation is built with a HYSA think bigger. Automated Investment Strategies can create and build wealth over time. #hysa #highyieldsaving #investing #stockmarket #realestate #investment #cryptocurrency #finance #personalfinance #savingsaccount #financialplanning Learn more about the Pros and Cons of High Yield Savings Account 👉"
YouTube Link 2023-08-10T23:00Z 73.8K followers, [----] engagements
"Avoid These Money Mistakes Before [--] In this video Colin Exelby CFP explains the biggest money mistakes made before turning [--] and how to avoid them. In a financial landscape where literacy peaks at [--] accelerate your personal finance education to avoid pitfalls. Break free from peer spending habits in your 20s living on 90% of your after-tax income for a secure financial future. Establish an emergency fund and investing plan in your 30s disrupting the cycle of neglecting insurance needs. Explore opportunities with high deductible health plans and Triple Tax-Free Health Savings Accounts while"
YouTube Link 2023-11-16T21:00Z 11.7K followers, [----] engagements
"FDIC Insurance is a CRUCIAL Part of a Banking Strategy. Are You Protected We just saw two of the largest bank failures in U.S. history. In this video Colin Exelby CFP explains what FDIC Insurance is what the limits are as well as the potential risks. #FDIC #SiliconValleyBank #SignatureBank #personalfinance #banking #FinancialEducation #financetips #savings #money DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation to make an offer to buy or sell any"
YouTube Link 2023-03-22T00:35Z 64.1K followers, [----] engagements
"Avoid HUGE Tax Mistakes Roth IRA 5-Year Rule(s) Explained. [--] Year Roth IRA Rules That Could Blow Up Your Retirement Planning 🚫💥 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Dive into the world of finance where the secrets of Roth IRAs unravel Did you know these tools are key to a 100% tax-free retirement But beware the infamous five-year rules might just trip you up Yes thats rightthere are TWO crucial rules: the contribution rule and the conversion rule. Many arent aware that you can access your own funds anytime penalty-free. Yet to enjoy your"
YouTube Link 2024-04-29T23:15Z 74.5K followers, [----] engagements
"How I Reached [-----] subscribers on a Personal Finance Channel In this video Colin Exelby CFP Reaches out to show his appreciation and excitement of hitting the [-----] subscriber milestone Just hit [-----] subscribers To everyone who's been a part of this journey THANK YOU Your engagement and support have been incredible. If you're new here join our active community by subscribing. And now there's something special for youclick the "Join" button on my page to explore ways you can support the channel. Here's to the next exciting chapter #youtube #subscribe #subscribetomychannel #subscribers"
YouTube Link 2024-05-16T17:45Z 10K followers, [--] engagements
"New HSA Limits for 2024: What you need to know 😉 #hsa The IRS has announced the [----] HSA contribution limits and they're going up In this short we'll explain how much more you can save in your HSA in [----] and we'll give you some tips on how to take advantage of the increased limits. Check out the entire video here: Why Should You Consider an HSA for [----] 👉 https://youtu.be/OCtxLS_dT3w #HSA #healthsavingsaccount #hsacontributionlimits #2024hsa #taxfree #healthcare #personalfinance #financialeducation #moneytips DISCLAIMER : https://celestialwm.com/social-media-disclosures/"
YouTube Link 2023-10-24T11:45Z 47.5K followers, [----] engagements
"What the Trump Tax Bill Really Means for Your Wallet Colin Exelby CFP Explains Trumps new "Big Beautiful Bill" and how it will impact you. In this video we dive deep into President Trumps newly introduced "Big Beautiful Bill" a sweeping tax proposal with major implications for nearly every American. From making tips and overtime tax-free to boosting the standard deduction expanding the child tax credit and reviving 2017s tax cuts this bill could reshape your finances starting in [----]. Well break down whats in the bill who stands to benefit and who might lose out. Whether you're a retiree"
YouTube Link 2025-05-23T17:18Z 54.1K followers, [----] engagements
"What Age do we make the SMARTEST financial choices 🤔 #financialliteracy #financialeducation Ever ask yourself at what age do we make the smartest financial decisions 🤔 Well I recently did. In fact I asked Google. Here's what I found out. We make the smartest financial decisions at Age [--]. Here's why. ❓ At that point in life we've accumulated a wealth of knowledge and life experience related to money spending saving and investing. Yet we haven't lost any of the key analytical and cognitive skills that typically decline as we get older. 🧠 As we age we rely more on past experiences both the"
YouTube Link 2023-11-11T00:00Z [----] followers, [---] engagements
"Debt Relief Bombshell: Biden's $127B Student Loan Cancellation Revealed President Biden has cancelled more student debt than any president in history. Here are the links to each program to see if you qualify: ➡Income-Driven: https://studentaid.gov/manage-loans/repayment/plans/income-driven ➡Public Service Forgiveness: https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service ➡Total and Permanent Disability: https://studentaid.gov/manage-loans/forgiveness-cancellation/disability-discharge ➡Borrower Defense: https://studentaid.gov/borrower-defense/ #studentdebt #studentloan"
YouTube Link 2023-11-08T00:00Z [----] followers, [---] engagements
"Why Your Net Worth EXPLODES After 100k: And How to Get There FAST Ever wonder why the rich keep getting richer After hitting the first $100K your net worth can start snowballing thanks to the magic of compound interest. Each dollar you invest begins working for you accelerating your wealth growth as you cross key milestones. Reinvested returns generate their own returns creating a self-sustaining cycle that speeds up with every year. Thats why its crucial to focus on reaching $100K as your first goalit sets the stage for exponential financial growth. In this video I'll break down why that"
YouTube Link 2024-10-30T17:52Z 11.7K followers, [---] engagements
"Retire at [--] What About Social Security Planning to retire at [--] How will your social security be impacted We know Social Security wont kick in yet but there are two strategies (not well known) allowing access to retirement funds before [--] 1/2. Learn how to use your IRA and 401K without penalties and fund those early retirement years. Dive deeper into early retirement strategies and how your social security is impacted in this high-level early retirement planning video. Wanna dive deeper into how an early retirement impacts your social security benefits Watch here:"
YouTube Link 2024-12-15T01:00Z 12.3K followers, [---] engagements
"Retire Tax-Free: The Secret is systematic Roth IRA conversions. #rothira #personalfinance At the time of this video currently anyone can perform a Roth Conversion. That wasnt always true and that may become limited in the future. The time is now to explore whether Roth IRA conversions make sense in your situation. Dont miss the opportunity. #roth #rothconversion #retirement #retirementplanning #financialeducation #financialfreedom Are you in the sweet spot for Roth Conversions Watch the full video here 👉https://www.youtube.com/watchv=cF5FeFUaPWU DISCLAIMER : Celestial Wealth Management LLC"
YouTube Link 2023-09-15T00:01Z [----] followers, [---] engagements
"9 Essential Financial Moves to Make Before Year-End [----] With [----] winding down its time for a financial reality check How many times have you promised yourself to get your finances in order only for those goals to fade by February Not this time In this video Im covering [--] crucial financial moves to make before the year ends. These steps will set you up for a successful [----] and build long-term momentum. Ill walk you through: Strengthening your cash reserves Optimizing retirement contributions Tracking your net worth and tackling debt And much more If you're serious about achieving financial"
YouTube Link 2024-11-14T19:57Z 11.8K followers, [---] engagements
"Are You Using the Right 401(k) for Your Tax Bracket 📉💼 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Choosing between a Roth and Traditional 401k can significantly impact your financial future. If youre younger or in a lower tax bracket a Roth 401k could mean tax-free growth for decades and tax-free withdrawals later. Plan smart today to enjoy financial freedom tomorrow #RetirementPlanning #RothIRA #TaxFreeGrowth #FinancialFreedom #WealthBuilding #IRAContributions #TaxStrategy #RetirementSavings #SmartInvesting #financialtips DISCLAIMER:"
YouTube Link 2024-12-02T23:00Z 12.2K followers, [---] engagements
"Struggling to find the right investment strategy Core-Satellite may be your answer 💡 #investing I've said it before and I'll say it again. The BEST investment strategy is one that you will stick with Unfortunately for many people I meet their investment portfolios are a mish-mash of tips from friends ETFs index funds high-cost mutual funds and other random investments. 🤷♂ Maybe this investment strategy is the one for you. The Core and Satellite Strategy or sometimes called the Core and Explore Strategy. 🚀 It can help you align your assets for long-term success while also pursuing"
YouTube Link 2023-09-30T12:30Z 11.7K followers, [---] engagements
"Say Goodbye to Taxes in Retirement - The Ultimate Guide for 100% Tax-Free Income Are you looking for ways to create a future tax-free retirement income In this video Colin Exelby CFP shows you how to create a tax-free retirement income that's independent of your job. This video is a combination of the best parts of the playlist "How to Create a 100% Tax-Free Retirement Income". There are a few important keys to ensuring your retirement income is tax-free. In this video we'll discuss ways to save invest and create a retirement income that can be 100% tax-free By following these tips you can"
YouTube Link 2022-12-20T18:00Z 45.2K followers, 28K engagements
"Student Loans Do this Get $2500 📚🚀 #studentloans #taxtips Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Dive into the world of smart finances with the student loan interest deduction Imagine deducting up to $2500 of the interest paid on your qualified student loansyes it's real and it's all about making your education investment work smarter not harder. Just keep in mind it's all about those income limits and phase-outs. Remember every penny saved is a step closer to financial freedom. Click the link to check out the other tax deduction/credit that"
YouTube Link 2024-03-26T23:15Z 11.7K followers, [---] engagements
"Roth IRA Also an Emergency Fund💡🤔 #money #rothira Access Your Cash Anytime Roth IRA Contribution Rules Explained. Need Cash Now But Worried About Penalties Roth IRA Contributions Might Be Your Secret Weapon Did you know you can access part of your Roth IRA tax-free and penalty-free anytime It's true This video breaks down the contribution access rules of Roth IRAs so you can make informed decisions about your retirement savings. While I believe removing money early from a Roth IRA is generally a last resort idea it can be much better than some alternatives like high-interest debt or"
YouTube Link 2024-06-05T00:00Z 11.7K followers, [----] engagements
"Tesla Affordability Check: The 20/4/10 Rule ✅💰 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Wondering if you can afford a Tesla Model [--] Lets break it down with the 20/4/10 rule. From down payment to monthly expenses well see if a Tesla fits your budgetand whether its the best choice for your financial future. Watch to learn if Tesla ownership aligns with your bigger goals For the monthly payment affordability we made some assumptions: Loan of $40000 at 6% for [--] years = $939 per month Insurance of $150 a month Charging of $11 a month . #TeslaBudget"
YouTube Link 2024-11-14T01:00Z 63.6K followers, [----] engagements
"Medicare Advantage Plans LEAVING 2026: 1000000+ Seniors Affected In this video Colin Exelby CFP explains why over [-------] Seniors Are Losing Medicare Advantage Plans in [----]. United Healthcare announced plan exits that will impact 600000+ members. Other large and small carriers will follow suit. Stay informed with this video explaining upcoming changes to Medicare Advantage plans in [----] which could impact millions. Understand your Medicare eligibility and how these changes to Medicare affect your Medicare premiums. Get insurance tips to navigate your Medicare sign up and find medicare plans"
YouTube Link 2025-09-19T20:00Z 81K followers, [----] engagements
"Roth IRA Conversion Pros and Cons in [----] In this video CERTIFIED FINANCIAL PLANNER Professional Colin Exelby discusses the most powerful way to build tax-free wealth. There used to be an income cap. But that tax law was changed back in [----] to allow anyone the opportunity to convert. But that huge advantage may be slipping away. As a reminder if you have Traditional IRA assets you took a tax deduction at some point in the past and you will owe taxes on those funds at some point in the future and Congress is counting on it salivating at the chance to grab a large portion of those assets. As"
YouTube Link 2022-02-18T20:30Z 64.3K followers, 56.2K engagements
"Are Trump's Tariffs Going to Help or Hurt 🤔🛒 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Trump's Tariffs Explained. Did you know that tariffs are like invisible price tags on imported goods These taxes are designed to make foreign products more expensive encouraging us to buy locally made items instead. While they aim to boost local businesses and level the playing field they can also affect what we pay at the store. #Tariffs #Imports #EconomyExplained #USGoods #EconomicBasics #BuyLocal #FinanceTips #TradePolicy #MoneyMatters #economicgrowth"
YouTube Link 2024-12-18T00:00Z 12.3K followers, [---] engagements
"Year-End Financial Checklist: Retirement Account Edition [----] In this video Colin Exelby CFP explains the key retirement plan deadlines you need to know before the year ends Whether you're a business owner have a SIMPLE or SEP IRA or found yourself over-contributing to a Roth IRA in [----] we've got you covered. Make sure your financial strategy is on track as we approach the new year Top Personal Finance Tools: #1: ★☆★ Rocket Money (originally called TrueBill) ★☆★ https://rocketmoney.sjv.io/CelestialWM #2: ★☆★Personal Capital ★☆★ https://personalcapital.sjv.io/c/3206925/1129210/13439 OTHER"
YouTube Link 2023-10-05T23:28Z [----] followers, [---] engagements
"The Inverted Yield Curve Explained in [--] Seconds. Predicting Every Recession in Past [--] Years. In this video Colin Exelby CFP explains what can happen when interest rates invert. It's an indicator a recession is coming. If fact an inverted yield curve has happened before every single recession in the last [--] years. #shorts #investing #interestrates DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation to make an offer to buy or sell any securities or"
YouTube Link 2022-07-20T15:20Z 55.6K followers, [----] engagements
"You Sold Your Business: What You Need to Know CERTIFIED FINANCIAL PLANNER Professional Colin Exelby gives his [--] Rules to follow after selling your business. You sold your business. But what do you do with your money now You are probably unsure of the next steps and why am I feeling so many different emotions Should you invest the funds right away What holes could derail your financial future What sharks should you watch out for ★☆★Truebill Find & Cancel Subscriptions★☆★ https://rocketmoney.sjv.io/c/3206925/616684/10034 ★☆★ The True Failure Rate of Small Businesses ★☆★"
YouTube Link 2022-01-25T22:30Z 66.7K followers, [----] engagements
"Build REAL Wealth not Just the Appearance of it. 🏦🌟 #wealthmindset True wealth isn't flaunting luxury but choosing assets that grow. Skip the splurge invest in appreciating assets and let your money multiply. Build not just wealth but a legacy. Ready to invest in your future Want to think like the rich Learn more about how the rich think in this video: 👉 https://youtu.be/nmY-y9JIpoksi=rMzWzBZSlP1PrMPv #WealthMindset #InvestmentWisdom #AssetBuilding #FinancialGrowth #SecureTheFuture #GenerationalWealth #SmartInvesting #FinancialFreedom #GettingRich #MoneyMindset DISCLAIMER:"
YouTube Link 2024-01-24T00:45Z 63.4K followers, [----] engagements
"Unveiling the dark side of the FIRE movement: Sacrifices Misery & Toll it can take on your life.😱 Are you considering FIRE This video challenges the popular trend and reveals the potential downsides of extreme savings. #FIRE #FinancialIndependence #Retirement #EarlyRetirement #money #finance #financialsecurity #financialfreedom Learn more about your Family Inc. 👉 https://youtu.be/DGZscyViNu8 DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation to"
YouTube Link 2023-06-06T23:00Z 64.6K followers, 21.8K engagements
"The Savings Dilemma: The Secret Struggle of Most Retirees Retirement isnt just about savingits about learning to spend without fear. Many retirees struggle to use the wealth theyve built stuck in a savings trap. In this video well tackle why this happens and how to confidently enjoy your retirement. #RetirementPlanning #FinancialFreedom #WealthManagement #RetireSmart #MoneyMindset #SavingsTrap #RetirementGoals #FinancialPlanning #SpendWisely #retirementwealth 00:00-Introduction 01:50-The Savings Trap 04:22-Why Spending Feels Like Losing 05:45-Unspent Wealth: The Missed Opportunities 08:40-"
YouTube Link 2025-01-03T21:00Z 80.8K followers, 202.3K engagements
"How Much Gold Should You Hold in a Portfolio 🤔💰 #financeliteracy #money#goldinvestment What is the ideal amount of gold in a portfolio to optimize risk-adjusted returns Watch this #short to find out. Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Did you know that adding a touch of gold to your retirement portfolio might just be the golden ticket to optimizing your investments A study diving into the classic 60% stocks and 40% bonds portfolio found something intriguing. By sprinkling in gold in 5% increments investors could potentially boost their"
YouTube Link 2024-04-10T23:15Z 11.7K followers, [---] engagements
"What is a High Net Worth Investor 🤔 #shorts #personalfinance What does it take to become a High Net Worth Investor🤔 👉 The closest thing to a standardized definition of a high net worth investor comes from the (SEC) which defines it as someone with a net worth of at least $2.2 million or $1.1 million in liquid investments. Liquid assets include checking savings or money market accounts stocks and bonds cryptocurrency and shares of mutual funds and exchange-traded funds (ETFs). Illiquid assets typically include business interests real estate and land but does not include your primary home."
YouTube Link 2023-06-27T23:05Z 49.5K followers, [----] engagements
"Managing Bank Accounts as a Couple: The Optimal Structure In this video Colin Exelby CFP explains two of the most effective ways to manage finances as a married couple. Financial planning for couples and budgeting for newlyweds are important parts of personal finance. We discuss the common dilemma couples facewhether to merge bank accounts or keep them separate. Through his extensive experience working with families Colin will outline two highly effective strategies for joint financial management and one approach to avoid supported by research and discuss the pitfalls to avoid to maintain a"
YouTube Link 2024-06-27T17:00Z 10.6K followers, [---] engagements
"Can You Contribute to an Inherited IRA 🤔 The Inherited IRA or Beneficiary IRA play by their own rules 🗝. You can't blend it with others as tempting as it might be. It's a separate journey defined by distinct guidelines. Remember navigating this path wisely can amplify your legacy. Find out the other rules of inherited IRAs in the full video: https://www.youtube.com/watchv=q8l2_VC5be4&t=4s #InheritedIRA #beneficiaryIRA #FinancialFreedom #InvestSmart #WealthManagement #FinancialTips #MoneyMindset #WealthBuilding #InvestingTips #FinancialFreedom #Budgeting #SavingsGoals #StockMarket"
YouTube Link 2024-02-29T01:15Z 72.5K followers, [----] engagements
"Real Estate HACK to Pay for Your Childs Education 🏠🎓💰 Imagine turning your child's future education into a profitable investment Several savvy clients of mine are doing just that by purchasing a rental property when their child is born. Here's how it works: All rental income is reinvested back into the property to pay down the mortgage. By the time their child goes to college they often have a fully paid-for property You can then sell the property or pull out the equity tax-free by taking a loan against its value. Yes there's interest on the loan but you keep the rental income and the tax"
YouTube Link 2024-05-30T23:15Z 10.2K followers, [----] engagements
"Debt Snowball vs. Avalanche: We Race to be Debt-Free FIRST (Who Wins)🤷 #money Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Can you become debt-free FASTER We put these two popular methods to the TEST to see which one DOMINATES **Is the momentum-building Snowball unstoppable ❄ Or will the Avalanche crush debt with its high-interest targeting ** Find out in this EPIC race and discover which method is RIGHT for YOU #debtfree #debtpayoff #snowball #avalanche #personalfinance Struggle to manage your funds after payday Get the payday routine of a CERTIFIED"
YouTube Link 2024-05-06T23:16Z [----] followers, [---] engagements
"I Bonds Crash Course: The Updated Guide to Investing in Bonds I bonds Explained in under [--] minutes by Colin Exelby CFP. This video is a quick introduction to I bonds. How they work what their limitations are the [--] steps to invest and why they may be a perfect fit for your investment portfolio. 00:00 Introduction 01:15 Inflation Linked Bonds 02:18 What Is An I bond 02:37 How is I Bond Interest Calculated 03:14 How Are I-Bonds Taxed 03:45 Can I Bonds Act Like a Savings Account 05:03 How Much Can You Invest in I Bonds. 06:08 How Do You Actually Invest Your Money In I Bonds 06:55 Summary ★☆★"
YouTube Link 2022-05-17T16:30Z 63.8K followers, [---] engagements
"Retire TODAY if you can answer YES to these SIX Questions #financialfreedom #wealthplan In this video Ill guide you through [--] essential questions to help you decide if youre ready to retire. If youre answering yes to most of these it might be time to plan for your next chapter. Remember retirement isnt about stoppingits about starting something extraordinary #RetirementPlanning #FinancialFreedom #RetireSmart #FinancialGoals #WorkLifeBalance #TimeForFamily #HealthAndWealth #PersonalFinanceTips #RetirementGoals #wealthmanagement DISCLAIMER: https://celestialwm.com/social-media-disclosures/"
YouTube Link 2024-12-24T00:00Z 12.3K followers, [---] engagements
"Search for Unclaimed Money NOW Step-by-Step Guide (Short)💰🔎 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Ever heard of MissingMoney.com Its like a treasure map for your forgotten dollars. Bonds stocks mutual funds and even that old Verizon bill could be sitting there waiting to be claimed. With a click on your state via the National Association of Unclaimed Property Administrators' website you might uncover money you never knew you had Dont let your cash collect dust. Log on and discover whats yours #UnclaimedMoney #TaxSeason #FindYourCash"
YouTube Link 2024-04-23T23:00Z 11.7K followers, [---] engagements
"Can Tariffs Save Americas Innovation Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Tariffs arent just about prices; they impact American jobs innovation and national security. Trumps proposed 100% car tariff aims to bring manufacturing back to the U.S. but at what cost Experts warn about rising prices especially on top of recent inflation. Understanding how trade barriers and import tax affect global commerce has never been more crucial. The impact of international trade policies continues to shape our economic landscape while protectionism measures"
YouTube Link 2024-11-24T01:00Z 69.5K followers, [----] engagements
"Did Elon Musk Discover the BIGGEST Financial Fraud in History In this video Colin Exelby CFP breaks down Elon Musks shocking claim about [--] million active Social Security numbers belonging to people over [---] years old. Is this a lie If he is correct it could be a huge deal for the solvency of the Social Security System. Join me and uncover whether this is a massive fraud if there are millions of payments to [---] year old people and if there is truly a government data error. Elon Musk just exposed what could be the biggest fraud in historyclaiming that over [--] million active Social Security"
YouTube Link 2025-02-28T18:59Z 81K followers, 394.4K engagements
"The Hidden Social Security Formula THEY Dont Want You to Know In this video Colin Exelby CFP breaks down what a bend point is and how to use it to calculate your social security earnings. Curious about how your Social Security benefit is actually calculated Its not as simple as just working for [--] years In this video I break down the secret government formulaincluding "bend points"that determine how much of your income actually counts toward your benefits. Spoiler: the more you earn the less you get back This is especially important for business owners as how you pay yourself could"
YouTube Link 2025-03-17T16:34Z 45.7K followers, [--] engagements
"Inherited IRA Gotchas: [--] Rules to Avoid Financial Disaster In this video Colin Exelby CFP breaks down the important rules for handling your inherited IRA. Inheriting an Individual Retirement Account (IRA) comes with different rules and considerations that may significantly impact your financial planning. Understanding these inherited IRA distribution rules can have a significant impact on your short-term and long-term financial situation. Tax planning is about making strategic choices within the tax code and knowing your options will help you maximize tax efficiency and preserve your"
YouTube Link 2023-10-26T14:30Z 63.2K followers, 16.3K engagements
"How Money Became Worthless: Gold vs Gasoline #money Is gold really an inflation hedge Check out this analysis that compares the value of gold to gasoline over time. Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf #GoldInvesting #InflationHedge #EconomicInsight #WealthProtection #FinancialFreedom DISCLAIMER: https://celestialwm.com/social-media-disclosures/"
YouTube Link 2024-04-26T23:00Z 74.5K followers, 15.7K engagements
"Social Security 2025: [--] Changes to Look Out For Changes are coming to Social Security in [----] including a Cost of Living Adjustment higher taxable income limits and new earnings thresholds for those working while collecting benefits. These updates could impact your finances whether you're receiving benefits or still paying into the system. Stay informed to maximize your Social Security and minimize costly surprises. #SocialSecurity #RetirementPlanning #FinancialTips #WealthBuilding #COLA2025 #SocialSecurityChanges #MoneyManagement #RetirementSavings #FinancialFreedom #InvestSmart Outstanding"
YouTube Link 2024-12-25T01:35Z 12.3K followers, [--] engagements
"Retired At [--] This is What Happens to Your Social Security Thinking of retiring at [--] Leaving the 9-to-5 grind early is an incredible milestone but it comes with unique challenges. Social Security benefits wont kick in until at least age [--] which means youll need a solid plan to cover your living expenses in the interim. In this video well break down how retiring early affects your Social Security payments explore strategies like the Rule of [--] and 72T distributions to access retirement funds penalty-free and discuss why your work history plays a critical role in your benefits calculation."
YouTube Link 2024-12-13T21:00Z 12.3K followers, [----] engagements
"Can You Deduct Your Second Home Mortgage 🤔Beach House tax Deduction Explained #taxsavings Whether it's your cozy primary residence or that charming summer cottage your winter ski cabin or a serene fishing retreat this perk lets you subtract the interest you pay from your taxable income. If you use the house as a second home(Renting it out less than [--] days per year)interest on the second home mortgage is deductible within the same limits as the interest on the mortgage on your first home. For tax years before [----] you can write off 100% of the interest you pay on up to $1.1 million of debt"
YouTube Link 2024-03-12T00:15Z 11.7K followers, [---] engagements
"Mark Cubans Strategy for Stock Market Uncertainty #investing #stockmarket #personalfinance Mark Cuban's Investment Strategy for Stock Market Uncertainty. #markcuban #stockmarket #cryptocurrency #crypto #investing #recession #sharktank #personalfinance #financialeducation #financialfreedom See all [--] Tips from Mark Cuban in this full video 👉 https://youtu.be/U6ly7laWfNM DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation to make an offer to buy or"
YouTube Link 2023-08-21T22:30Z 54.8K followers, [----] engagements
"What Age Do We Make the Smartest Financial Decisions In this video Colin Exelby CFP revealstheage we make the smartest financial decisions. Discover how age plays a pivotal role in the financial decision-making process and the importance of adapting your strategies as you progress through life. We also touch upon a common financial mistake made by 50-year-oldsunderestimating their life expectancyand why it's crucial to be conservative in your assumptions especially when planning for retirement. DISCLAIMER : https://celestialwm.com/social-media-disclosures/ Outstanding Personal Finance Tools👇"
YouTube Link 2023-11-10T00:00Z 11.7K followers, [---] engagements
"Inflation Nibbles Away Your Net Worth #inflation #shorts #bidenomics Let's not forget while President Biden assures us of easing inflation the reality for our savings and daily costs paints a complex picture. Prices may not surge as before but they haven't retreated. In this landscape gold emerges not just as a metal but as a potential strategy to hedge against the stealthy advance of inflation helping our hard-earned money to hold its ground. 👉 Click the link to explore the full video and discover if you're set to infuse your portfolio with a radiant golden shine:"
YouTube Link 2024-04-03T23:31Z 11.7K followers, [----] engagements
"$1 Million Dollars or Magic Penny 💸🤔 #compoundingwealth Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Would you rather have $1 million today or a penny that doubles for [--] days Most would take the million but the pennys true value lies in compound growth. By day [--] that penny surpasses $10.7 million It's a powerful lesson on patience and exponential growth. . #CompoundGrowth #InvestSmart #WealthBuilding #MoneyMindset #FinancialTips #ChooseWisely #PowerOfPatience #ExponentialGrowth #MoneyMatters #PersonalFinance . DISCLAIMER:"
YouTube Link 2024-11-07T01:00Z 11.7K followers, [---] engagements
"Insider Look: Reasons Behind Upcoming Fed Interest Rate Cut Colin Exelby CFP explains interest rate cycles and why he believes the Federal Reserve will CUT interest rates in [----]. In all the rate hike cycles going back to the great inflation of the 1970s the Fed has never maintained rates at the peak for more than nine months. The Fed always seems to tighten too much probably because of the lag. It can take six months from a rate cut to see its effects. The bond market is already anticipating rate cuts. Some market gurus think the Fed has been able to orchestrate a soft landing without a"
YouTube Link 2023-09-21T17:00Z 47.5K followers, [----] engagements
"Max Out Your Social Security with THIS Formula In this video Colin Exelby CFP breaks down what a bend point is and how to use it to calculate your social security earnings. Curious about how your Social Security benefit is actually calculated Its not as simple as just working for [--] years In this video I break down the secret government formulaincluding "bend points"that determine how much of your income actually counts toward your benefits. Spoiler: the more you earn the less you get back This is especially important for business owners as how you pay yourself could significantly impact your"
YouTube Link 2025-03-28T19:29Z 81K followers, [----] engagements
"Boost Your 401k Savings 1% at a Time 💡💰 #wealthbuilding Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf Want a successful retirement It starts with saving and investing. If youve got excess cash flow and your emergency fund & debt are in check it's time to level up Increase your 401K contributionsespecially if your employer matches (that's free money). Aim to boost your savings rate by 1% each year until you're maxed out. Small steps can have a big impact over time and youll hardly notice the difference. . Want to dive deeper into the state of 401k"
YouTube Link 2024-09-30T23:00Z 12.1K followers, [---] engagements
"The Holy Grail of Investing Private Equity on the Blockchain. In this video Colin Exelby CFP interviews Jamie Finn the co-founder and president of Securitize to explore how the Blockchain and tokenization allows additional access to private equity. Colin shows historical returns of private equity versus stocks and explains how private equity works. Learn more about Securitize👇 ★☆★ https://securitize.io/ ★☆★ Are you curious where the next big companies like Apple Amazon or Nvidia come from It's often not in the public markets but in private equity. Over the past [--] years private equity has"
YouTube Link 2024-09-12T17:00Z 11.7K followers, [---] engagements
"Nvidia Stock Splits [--] for 1: Compare to Berkshire Hathaway 😮 #nvidia #cryptonews #stocks Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf In just [--] trading days Nvidia stock has added a staggering $1 trillion in market cap and announced a 10-for-1 stock split To put that in perspective Warren Buffett's Berkshire Hathaway hasnt even reached $1 trillion in market cap over the last [--] years (Hat tip to Jesse Felder at the Felder Report) Now Nvidia makes up 13% of the S&P [---] So where does Nvidia go next Let me know your thoughts in the comments 💬👇 ."
YouTube Link 2024-06-10T23:30Z 11.7K followers, [----] engagements
"Where Does 401k Loan Interest Go 🤔 #401k #loan In this video we'll answer a question many people are curious about: Where does 401k loan interest go How does a 401k loan work We'll discuss the key parts of a 401k loan how much interest is charged why you should pay it off quickly and when it may make the most sense. When Should You Take a 401k Loan More often than you think. Watch the Full Video Here 👉 https://youtu.be/3ZaKqHL-U_gsi=FkzV0hwK2L0KdxVv #401k #retirement #retirementstrategy #loan #finance #financialplanning #personalfinance #financialeducation DISCLAIMER :"
YouTube Link 2023-11-02T23:00Z 59.4K followers, 10.2K engagements
"What RICH people know about 401ks that YOU DONT 🚨 Why Traditional 401(k)s No Longer Make Sense for a significant amount of people. The era of traditional 401(k) deferral may be over. It's important to look at all your options and the Roth 401k may be the number one alternative. Traditional 401(k)s made sense when rates were high but in today's low-tax era contributing to a Roth 401(k) offers a smarter financial future. Learn more about Tax-Free Retirement planning by watching my playlist: How To Create a 💯 % Tax-Free Retirement Income:👉"
YouTube Link 2023-11-24T17:15Z 59K followers, [----] engagements
"Disney Vacation Cost [----] + [--] Money-Saving Tips Planning a Disney vacation can be exciting but it comes with a hefty price tag. In this video I break down the real costs of a Disney family trip in [----] exploring how much a typical vacation costs and how you can avoid going into debt to make it happen. From average expenses like park tickets hotels and meals to tips on saving budgeting and even creating a long-term "Disney fund" I share strategies to help you plan the perfect Disney trip without breaking the bank. Watch now for financial insights and tips to make your dream vacation a reality"
YouTube Link 2024-10-17T16:48Z 11.6K followers, [--] engagements
"Ideal Time to Claim Social Security: Age [--] vs. [--] What if you could be leaving $250000 on the table with ONE retirement decision 🤔 In this video we compare two retirees - Professor Pat and Nurse Nancy - to show how their different Social Security claiming strategies lead to drastically different outcomes in retirement. We break down: - The basics of how Social Security benefits are calculated - Why claiming Social Security at [--] vs [--] could make a $250K+ difference - A real-world comparison with $1M portfolios - The looming [----] Social Security crisis you need to know about - Critical"
YouTube Link 2025-01-10T18:23Z 81K followers, 191.8K engagements
"Financial Planner REACTS To Dave Ramseys Social Security Advice In this video Colin Exelby CFP breaks down a key segment from Dave Ramsey's discussion on the best time to collect Social Security. With over [--] years of experience as a financial advisor Ive seen firsthand that theres no one-size-fits-all answer. Together well analyze the pros and cons of filing early the impact of income limits potential tax consequences and whether investing early benefits can truly outperform delaying. Daves advice works for manybut is it the right fit for you Lets dive in and see Dont miss my final takeaway"
YouTube Link 2025-02-07T21:00Z 81K followers, 371K engagements
"The Financial Troubles of Gen X - Here's How to Fix it In this video Colin Exelby CFP explains the financial struggles facing Gen X also called "the sandwich generation" and shares actionable strategies to overcome them. Gen X is in financial trouble and many wont realize it until its too late. With the oldest Gen Xers turning [--] major retirement decisions are looming yet many are vastly underprepared. This generation faces unique challengesfrom skyrocketing housing costs to inadequate retirement savingsleaving many on track to be worse off financially than their parents. In this video I"
YouTube Link 2025-02-21T14:26Z 81K followers, 37.6K engagements
"Tax Season 2023: What is Taxable Income💰💸 #TaxIncome #TaxSeason #Taxes #Income #PersonalFinance #GrossIncome #financetips #FinancialEducation #financialadvisor Do you know the difference between your income and taxable income It's an important number to keep in mind come tax season Discover the sweet spot for creating a tax-free retirement with the full video. ✔. 👉 https://youtu.be/AYPiBpqigX4 DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation"
YouTube Link 2023-04-11T23:00Z 47.5K followers, [----] engagements
"Have You Heard of the Retirement Red Zone 🤔 #StockMarket #Investing #FinancialFreedom #RetirementPlanning #Retirement #financialeducation Depending on your age this stock market and bond market sell-off may present the last best opportunity to increase your wealth before you retire. The stock market is still down significantly from where it was at the end of [----]. And. it could get worse in the coming months. Is that opportunity Depending upon your age and financial situation it could be. In this video Colin Exelby CFP explains the retirement red zone and its impact on retirement planning."
YouTube Link 2023-02-16T01:24Z 79.5K followers, [----] engagements
"Retiring at [--] The BEST Healthcare Strategy for an Early Retirement Retiring before you are eligible for Medicare In this video Colin Exelby CFP Shows you strategies for covering the healthcare gap in early retirement. Retiring at [--] might sound exciting but theres one huge challenge that catches most people off guard healthcare. You wont qualify for Medicare until [--] and those three years in between can cost $20000 to $30000 per year if youre not prepared. In this video I break down exactly how to bridge that healthcare gap without draining your savings from using Roth IRA and HSA"
YouTube Link 2025-10-17T20:26Z 81K followers, [----] engagements
"Personal Finance Without the Noise Fear or Hype This channel focuses on personal finance strategy across every stage of life with a deeper emphasis on the decisions that matter most as retirement approaches. Personal finance changes as you move through lifebut every decision is connected. In this video I explain what See the Forest Through the Trees is really about: cutting through the noise focusing on strategy over hype and helping you make smarter financial and retirement decisions with clarity and confidenceno matter what stage youre in. Heres what to expect from the channel as we head"
YouTube Link 2025-12-19T15:31Z 81K followers, [----] engagements
"Retiring at [--] May Be TOO LATE: Retirement Expert Explains Why In this video Colin Exelby CFP explains the reason why retiring at [--] may be a huge mistake Most people plan to retire at 65but what if thats too late In this video I explain why healthy life expectancynot just how long you live but how long you stay active and mobileis the real factor that could make or break your retirement. Ill break down what the data actually shows why the U.S. ranks so low and how waiting too long to retire could mean missing your best years. Youll also learn four key steps to retire earlier healthier and"
YouTube Link 2025-05-01T17:26Z 81K followers, 11.6K engagements
"What Happens to Leftover [---] Funds CERTIFIED FINANCIAL PLANNER Explains Your Options In this video Colin Exelby CFP explains leftover [---] college savings funds and four ways to use those funds optimally. College is expensive and many parents take advantage of [---] plans for the tax breaks and growth opportunities they offer. But what happens when you end up with extra funds after your child graduates Whether its because of scholarships staying local or choosing a different path having leftover money in a [---] plan is more common than you might think. Don't worry We'll explore four smart"
YouTube Link 2024-09-26T17:00Z 76.7K followers, [----] engagements
"401k Balances Near Record Highs [--] Tips to Increase your 401k Value In this video Colin Exelby CFP dives into the state of 401k savings in America and explore whether you're on track for retirement. While many Americans are contributing more to their 401k plans thanks to automatic enrollment and a booming stock market there's still a concerning gap in retirement savings. We break down the latest numbers discuss why the median 401k balance remains surprisingly low and offer practical tips to help boost your savings. If you're wondering how your 401k measures up and what steps you can take to"
YouTube Link 2024-09-19T17:00Z 78.7K followers, [---] engagements
"Joint Bank Accounts: A Simple Secret to Financial Success💯💰 Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf When you get married you're now a team. Your income becomes our income. Joint accounts promote communication and transparency crucial for a healthy relationship. You can both see spending patterns manage cash flow together and create a sense of unity knowing that you're on the same financial page. Click here to learn the optimal way to manage your finances as a couple https://www.youtube.com/watchv=kcLRYjGYDRs&t=10s #MarriageGoals #FinancialUnity"
YouTube Link 2024-07-26T23:45Z 76K followers, [----] engagements
"The IRS Is Watching: Practical Tips for Avoiding an Audit With $80 billion added to the budget of the IRS you can bet one thing they are coming for you. With all this out-of-control government spending the Feds desperately need to raise money to pay for it. One of the easiest ways to do it is more enforcement of the existing tax laws. The IRS believes that this funding will result in an additional $124 billion in additional tax revenue from audits without raising tax rates. If you are watching this I bet you are a law abiding citizen happy to pay your fair share of taxes but not a penny more."
YouTube Link 2022-08-30T17:00Z 75K followers, [----] engagements
"High-yield savings accounts: Downsides you should know before opening one.❌ High-yield savings accounts: Downsides you should know before opening one.❌ #hysa #highyieldsavings #money #financialeducation #finance #personalfinance #interestrates #financialsecurity #financialfreedom Watch the entire video on HYSA here: 👉 https://youtu.be/8mCYXuGzM-U DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation to make an offer to buy or sell any securities or"
YouTube Link 2023-06-20T21:04Z 76.4K followers, 27.2K engagements
"#1 Reason People Don't Have an HSA Yet (Health SavingsAccounts) In this video Colin Exelby CFP discusses the exciting changes coming in [----] for Health Savings Accounts (HSAs) including increased contribution limits the triple tax-free benefits and the strategic financial considerations for individuals and families. HSA enrollment continues to grow as Americans learn about these plans. In fact more employers also are offering matching contributions to your HSA account. Or if you work for the government in some capacity there is a healthy contribution waiting for you. At the end of 2022"
YouTube Link 2023-10-19T23:00Z 76K followers, [----] engagements
"The Truth Behind 401K Loans: Debunking the Double Tax Myth You are Not Taxed Twice when taking and repaying a 401k Loan. Learn why and how you are taxed on a 401k loan in this video. Watch the entire video When Should You Take a 401k Loan 👉 https://youtu.be/3ZaKqHL-U_gsi=FkzV0hwK2L0KdxVv #401k #retirement #retirementstrategy #loan #finance #financialplanning #personalfinance #financialeducation DISCLAIMER : https://celestialwm.com/social-media-disclosures/"
YouTube Link 2023-11-01T23:00Z 75.2K followers, [----] engagements
"Welcome to the Members Elite Tier How This Works This is the introductory video for the See the Forest Through the Trees Members Elite Tier. In this video I explain why this membership exists how Ill use it and how its meant to help you filter financial tax and retirement information without adding noise. Inside the Member's Elite Tier I focus on: ➡ What actually changes when new tax or retirement rules are released ➡ Who those changes affect and who they dont ➡ When the correct response is to act and when its best to do nothing ➡ How I think through these issues in real planning scenarios"
YouTube Link 2026-01-20T18:15Z 79.7K followers, [--] engagements
"Why the Roth Is the Most Powerful Tool for Tax-Free Retirement Income One of the biggest mistakes in retirement planning isnt how you invest its when and where your money gets taxed. In this video I break down why the Roth isnt just an account but a powerful strategy for creating tax-free retirement income. Youll learn how Roth money works differently why waiting for a lower tax bracket often backfires and how Roth strategies can protect Social Security reduce Medicare costs and give you more control no matter what Congress does next. This is part four in my series on building a 100% tax-free"
YouTube Link 2026-01-09T21:30Z 81K followers, [----] engagements
"The SECRET Social Security Math Nobody Shows Retirees Many retirees are often shown the same misleading Social Security break-even age but that number is misleading once you factor in the real math. Portfolio returns time value of money sequence-of-returns risk and lifestyle trade-offs are often never shown. This video is sponsored by Chapter. Find out more about your Medicare options by speaking with a real human in the U.S. Call Chapter to schedule your complimentary appointment at ➡ (818) 924-2041 or visit ➡ https://askchapter.org/CWM In this video I walk through a real example using new"
YouTube Link 2025-11-21T18:43Z 81K followers, 21.8K engagements
"This is not a joke. [---] Funds Can Now Be Rolled Over into a Roth IRA Starting in 2024🫶 #personalfinance personalfinance #529 #collegeplanning #shorts #secureact2.0 The new Secure Act [---] that went into effect on Dec. 31st created the ability for anyone with a [---] Plan to rollover unused funds into a Roth IRA for the beneficiary if a few rules are followed starting in [----]. Previously some families were hesitant to fully maximize educational savings in the [---] plan because if too much money was in there penalties and taxes were levied on any distributions not used for educational purposes."
YouTube Link 2023-02-25T13:00Z 75.4K followers, 12.8K engagements
"FINANCIAL ADVISOR EXPLAINS: The [--] Levels of Wealth In America In this video Colin Exelby CFP explains the [--] levels of wealth in America Most people focus on how much money they makebut thats the wrong question. In this video we reveal the real measure of financial success: your net worth not your income. Using the latest data from the Federal Reserve we break down the six wealth levels that define where you stand in todays economyfrom financial survival to the top 1%. You'll learn why high earners can still struggle how net worth is built and what key behaviors separate the wealthy from the"
YouTube Link 2025-06-27T20:00Z 81K followers, 117.1K engagements
"The Surprising Reality of Retirement: Uncovering the Cheapest State to Live In 🤯 Which is the most affordable state to retire in🤔 #affordability #retire #retirementplan #happyretirement #retirementstrategy #usa #personalfinance #financialsecurity #financialfreedom #rolltide DISCLAIMER : Celestial Wealth Management LLC is registered as an investment adviser in the State of Maryland and Texas. Neither the information nor any opinion constitutes an offer or an invitation to make an offer to buy or sell any securities or other financial instruments. This video is not intended to provide"
YouTube Link 2023-05-31T23:00Z 74.9K followers, [----] engagements
"Why Current Tax Laws are a GAME CHANGER for Retirement Savings In todays video we break down why the current tax code is one of the biggest opportunities youll ever have to build tax-free retirement income. With historically low tax brackets massive standard deductions new senior bonus deductions and wide sweet spots that allow you to reposition income strategically the window for smart planning has never been better. Whether youre doing Roth conversions managing taxable income or optimizing long-term capital gains at 0% understanding the difference between income and taxable income could"
YouTube Link 2025-11-14T20:54Z 81K followers, [----] engagements
"Forbes 2024: Inside America's Richest Black Billionaires #wealth #forbes Counting down the top [--] Black billionaires in the U.S. 💸🚀 Who will be new to the list next year Let me know in the comments. Here's my channel to view all my financial planning videos:👉 https://bit.ly/3wSE8jf 🔟 LeBron James - $1.2B [--] Tiger Woods - $1.3B [--] Tyler Perry - $1.4B [--] Rihanna - $1.4B [--] Alex Karp - $1.9B [--] Jay-Z - $2.5B [--] Oprah Winfrey - $2.8B [--] Michael Jordan - $3.2B [--] David Steward - $7.6B [--] Robert F. Smith - $9.2B #Top10 #Billionaires #LeBronJames #TigerWoods #TylerPerry #Rihanna #AlexKarp #JayZ"
YouTube Link 2024-07-10T00:30Z 75K followers, [----] engagements
"Trump & Musk's NEW PLAN: Impact On Your Social Security During his campaign President Trump promised not to cut Social Security or Medicare benefits and proposed eliminating federal taxes on Social Security distributionsa move that could benefit millions of retirees. But how realistic is this plan and what are the potential consequences In this video Colin Exelby CFP unpacks the history of Social Security taxation analyzes the impact of Trump's proposal and explores alternative ideas from figures like Vivek Ramaswamy JD Vance and Elon Musk. With rising concerns about the Social Security trust"
YouTube Link 2025-01-17T21:00Z 81K followers, 1.9M engagements
"The BIGGEST Retirement Myths Told By Finance Gurus In this video Im breaking down two of the most misleading retirement rules that continue to circulate online Dave Ramseys 8% withdrawal rule and Suze Ormans $5 million to retire claim. While these ideas might sound empowering they can actually set you up for disaster if you follow them blindly. This video is sponsored by Chapter. Find out more about your Medicare options by speaking with a real human in the U.S. Call Chapter to schedule your complimentary appointment at ➡ (818) 924-2041 or visit ➡ https://askchapter.org/CWM"
YouTube Link 2025-10-24T20:30Z 81K followers, 14.1K engagements
"The Government Wants to Stop Wall Street from Buying Homes: Heres What Happens Next Buying a home has never felt harder and its not just because of interest rates. A new proposal aims to limit large institutional investors from buying single-family homes raising significant questions about who actually has access to housing in America. In this video we break down whats really happening in the housing market why so many people feel locked out and what this proposed change could mean for homeowners renters and anyone hoping to buy a home in the future. In this video institutional investors"
YouTube Link 2026-01-23T21:15Z 81K followers, [---] engagements
"Stop Wasting Thousands in Retirement (The Money Leak No One Warns You About) What expenses to cut in retirement Most retirees worry about running out of money. In this video I break down the hidden costs draining thousands from retirees every year the fastest 5-minute fix that can put real money back in your pocket and the one expense almost every household needs to cut immediately. These small tweaks can completely transform your financial confidence in retirement. Watch to protect your savings and build a retirement you actually enjoy. #retirementplanning #retirehappy #financialfreedom"
YouTube Link 2025-12-12T21:30Z 81K followers, [----] engagements
"Can the TRUMP Account Change Your Childs Future Is Trump really offering $1000 for every child through a new TRUMP Account In this video Certified Financial Planner Colin Exelby breaks down what the TRUMP Account actually is how it works and whether its a smart move for your childs financial future. From federal contributions and compounding investment growth to the pros and cons of contributing your own money Colin compares it to [---] plans tax credits and past government proposals. He explains whats at stake how the account could be used for education a first home or even starting a"
YouTube Link 2025-05-30T20:00Z 81K followers, [----] engagements
"5 Things to Sell BEFORE Retiring In this video Colin Exelby CFP explains [--] things you should consider selling before you retire Retirement isnt just about what you add sometimes the real freedom comes from what you let go of. From oversized homes and extra cars to complicated investments and unused toys downsizing can give you back your time money and energy. In this video Ill show you why letting go of the right things before retirement can help you live lighter freer and with more peace of mind in your next chapter. #retirementplanning #financialfreedom #downsizing #retirementtips"
YouTube Link 2025-09-12T20:00Z 81K followers, [----] engagements
"How to Pay $0 Taxes on a $100k Retirement Income (Easier Than You Think) Can retirees really generate $100000 of income and pay $0 in federal taxes In this video I walk through a real retirement example showing how Social Security dividends IRA withdrawals capital gains and Roth distributions interact under current U.S. tax law. Its possible to legally structure $100000 of income with little to no federal tax - the key to keeping more of your money in retirement. #retirementplanning #taxstrategy #retirementincome #taxfreeincome #financialplanning #retirementsavings #socialsecurity #rothira"
YouTube Link 2026-01-16T21:15Z 81K followers, 12.9K engagements
"New Tax Bill Just Changed Retirement Rules Financial Planner Explains In this video Colin Exelby CFP dives deep into the new "Big Beautiful Bill" tax law. A brand-new 870-page bill just passed and its filled with changes that could have a major impact on your retirement. If you're already retired or just a few years away nows the time to pay attention. In this video Ill break down the most important updateswithout wasting your time. Were talking about permanent tax bracket changes a bigger standard deduction a brand-new Senior Bonus Deduction updates to Social Security taxation and even a few"
YouTube Link 2025-08-01T20:30Z 81K followers, 26.5K engagements
"Why Retirement Changes Once You Save $2M In Retirement Reaching the $2 million milestone in retirement isnt the finish lineits a turning point. In this video well unpack the five biggest traps that quietly drain wealth from retirees and the four-pillar framework you can use to protect and grow what youve built. From hidden tax risks to poor portfolio alignment and legacy blind spots youll discover how to shift from accumulation to preservation with confidence. Whether youre approaching retirement or already there this video will show you how to keep more of what youve earned simplify your"
YouTube Link 2025-11-01T14:00Z 81K followers, 11.3K engagements
"5 Years Out From Retirement Heres What You Must Do Now In this video Colin Exelby CFP explains [--] crucial things you must do now if you are planning on retiring in [--] years. Imagine two 60-year-oldssame age same income same timeline to retirement. Yet in just five years one comfortably retires while the other runs out of money. What made the difference In this video Ill break down the [--] guiding principles you need to take in the final [--] years before retirement. From supercharging your savings and building a bulletproof income plan to shielding your nest egg from market crashes and minimizing"
YouTube Link 2025-07-05T13:15Z 81K followers, 223.7K engagements
"IRS Releases NEW [----] IRS Tax Brackets - What You Need to Know In this video Colin Exelby CFP explains the new [----] IRS Tax Bracket Changes and how they'll impact you. The [----] tax season is here and there are some key changes you need to know In this video we break down updates to the standard deduction income and capital gains tax brackets the net investment income tax and Medicare premium surcharges. Plus Ill share smart strategies to lower your tax bill and keep more money in your pocket. Understanding how these updates impact your finances is crucial for effective tax planning. Dont"
YouTube Link 2025-02-14T14:59Z 81K followers, 30.5K engagements
"Should You Borrow to Invest Thanks for watching: Should You Borrow to Invest In this video Colin Exelby discusses when it may make sense to borrow to buy assets what risks are involved and how to structure the borrowing. Real Estate Crypto Business stocks.when does it make sense to borrow I am a Certified Financial Planner Professional or CFP. See the Forest Through the Trees is a personal finance health and wellness blog and YouTube Channel that aims to help you see the bigger picture. My goal is to help you think outside the box about your life your money and your health to be the best you"
YouTube Link 2021-09-28T15:00Z 80.8K followers, 15.8K engagements
"6 Retirement Purchases People Realize Too Late They Cant Afford Most retirement plans dont fail because of bad investing or market crashes they fail quietly through everyday spending decisions that feel earned at the time. In this video we break down six big purchases retirees almost always regret years later when changing course is no longer easy. This isnt about cutting joy out of retirement its about awareness so you dont accidentally undo decades of smart planning. #RetirementPlanning #RetirementMistakes #RetireSmart #FinancialFreedom #RetirementIncome #PersonalFinance #RetirementTips"
YouTube Link 2026-02-06T21:30Z 81K followers, [----] engagements
"Why EVERYTHING in Retirement Changes When You Have a Pension Colin Exelby CFP explains how retirement changes when you have a pension. After [--] years of helping retirees navigate life after work I can tell youyour pension decision might be one of the most critical financial moves you ever make. Whether youre choosing between a lump sum or monthly payments weighing the risk of outliving your money or deciding how to protect your spouse theres a lot to unpack. In this video I break down everything you need to know about pensionshow they work the tradeoffs how PBGC protection fits in and"
YouTube Link 2025-06-20T20:00Z 81K followers, 152.2K engagements
"5 Eye-Opening Lessons Every New Retiree Learns In this video Colin Exelby CFP explains [--] things you should expect in year [--] of retirement. Most people think about what they are retiring from.but what are you retiring to Retirement isnt a finish lineits the starting point. The first year after you stop working is full of surprises that no spreadsheet can prepare you for: shifting routines relationship adjustments identity changes and financial realities that feel different when your portfolio becomes your paycheck. In this video Ill share five of the most common curveballs new retirees face"
YouTube Link 2025-09-05T20:00Z 81K followers, 17.6K engagements
"Retiring at 62: Smart Move or Costly Mistake Retiring at [--] can either be the best decision you ever make or a costly mistake that quietly drains your income for decades. In this video I break down the hidden costs and surprising benefits of retiring at [--] so you can decide if its right for you. *How early Social Security claiming really impacts lifetime income *The healthcare gap before Medicare and how expensive it can be *The hidden market risk most early retirees ignore *Why retiring at [--] can actually improve taxes health and quality of life *A simple framework to know if [--] works for"
YouTube Link 2026-01-02T21:30Z 81K followers, [----] engagements
"Is A Fully Paid Off Home in Retirement ACTUALLY Worth it Colin Exelby CFP breaks down if a fully paid off home is actually worth it in retirement. Is it always best to retire mortgage-free In this video we dive into one of the biggest retirement debates: should you pay off your mortgage or keep it While conventional wisdom suggests eliminating all debt before retirement the numbers tell a more nuanced story. From average housing expenses across the U.S. to investment returns on home equity and emotional ties to the family home we break down the real costsand benefitsof each path. Whether"
YouTube Link 2025-06-13T04:00Z 81K followers, 15.2K engagements
"60 Years Old and Nothing Saved for Retirement - Top [--] Recommendations In this video Colin Exelby CFP covers his top [--] recommendations if you are [--] years old and have nothing saved for retirement. If youre [--] years old and dont have anything saved for retirement youre not aloneand its not too late to turn things around. In this video I share [--] powerful strategies to help you gain control of your finances reduce stress and create a retirement you can feel confident about. From cutting expenses and paying off debt to automating savings rethinking work and even improving your health these"
YouTube Link 2025-09-26T20:30Z 81K followers, [----] engagements
"J.P. Morgan Studied [--] Million Retirees and found [--] SHOCKING Spending Surprises Colin Exelby CFP Dives Deep into the JP Morgan study breaking down [--] shocking retirement spending surprises. Are you still planning your retirement with outdated advice This video breaks down groundbreaking research from JP Morgan that analyzed over [--] million Chase households and revealed how real retiree spending patterns differ dramatically from what most financial planners still use. From the retirement honeymoon phase to the Go-Go Slow-Go and No-Go years Ill show you how understanding these patterns can help"
YouTube Link 2025-06-06T20:00Z 81K followers, 182.5K engagements
"Elder Care Planning [---] When to Hire an Attorney Thanks For Watching - Elder Care Planning [---] What Am I Missing According to recent Census data the oldest baby boomers will turn [--] next year. By [----] all baby boomers will be at least age [--]. 👴 Many of us are having to help our aging parents make both health and financial decisions. Planning for aging parents is becoming a larger and larger part of peoples wealth planning. 📝 Unfortunately in the financial planning profession far too often we are consulted when it is too late to do ideal planning for an aging parent. That is why I have a"
YouTube Link 2021-11-17T16:30Z 80.6K followers, [----] engagements
"High Yield Savings vs. Bank CDs vs. Treasury Bonds: Which One is Better for You With interest rates at some of the highest levels in the past twenty years should I keep my funds in my high yield savings lock them up in a bank CD for a year or invest in a Treasury Bond A key point to understand is that when locking up your funds you want to understand the risks involved. What if you need the funds early What are the potential penalties How much should you lock up and at what maturity In this video Colin Exelby CFP explains why it's important to diversify your funds across high yield savings"
YouTube Link 2023-05-18T17:00Z 80.9K followers, 66.3K engagements
"How Many Americans ACTUALLY Have $1 Million or More Ever wonder how many Americans are millionaires 💰 In this video we break down what it really means to have a $1 million net worth and the surprising truth behind the stats. Using data from the [----] UBS Global Wealth Report well show you how many people truly fit the definition what counts toward millionaire status and why the averages you see online can be so misleading. This video is sponsored by Chapter. Find out more about your Medicare options by speaking with a real human in the U.S. Call Chapter to schedule your complimentary"
YouTube Link 2025-11-07T21:30Z 81K followers, 132.6K engagements
"When Borrowing Against Your 401(k) is Actually a Good Idea 😲👍 #moneywisdom #401k Borrowing against your 401(k) is often seen as a financial taboo but there are actually some situations where it can be a good idea. In this short we'll discuss when it may be ideal to borrow against your 401k. Here are some situations where borrowing against your 401(k) may be a good idea: *To consolidate high-interest debt: If you have a lot of high-interest debt such as credit card debt borrowing against your 401(k) to consolidate it can save you money on interest. *To cover unexpected expenses: If you have"
YouTube Link 2023-10-24T21:45Z 80.9K followers, 35.6K engagements
"Solo 401k vs SEP IRA: Which is best for you SEP IRA vs Solo 401k. If you are a business owner AND you have a SEP IRA dont invest a dollar more until you watch this video on what I believe is the best-kept retirement plan secret in the industry. the Solo 401(k). Today I wanted to take some time to discuss a lesser-known retirement savings strategy for business owners. I almost want to call it a secret because so few business owners CPAs financial advisors or attorneys really know about what it is and what a benefit it can be. So stay tuned and I will discuss my [--] Reasons a business owner"
YouTube Link 2021-10-19T17:00Z 80.9K followers, [----] engagements
"How to Become a CFP professional What is a Certified Financial Planner What is the difference between a CFP Professional or CERTIFIED FINANCIAL PLANNER and a Financial Advisor Broker Insurance Agent Registered Representative Financial Planner or Financial Consultant In this video we'll be talking about what a CERTIFIED FINANCIAL PLANNER Professional is. We'll also be discussing the difference between a financial advisor and a CERTIFIED FINANCIAL PLANNER. Finally we'll give you a few tips on how to become a CERTIFIED FINANCIAL PLANNER. If you're looking for information about becoming a"
YouTube Link 2019-04-30T12:58Z 80.9K followers, 46.5K engagements
"7 Traps Investors Worry About That Dont Actually Matter Also called: Selective Indifference in Investing. In this video CFP professional Colin Exelby explains the concept of selective indifference in investing the practice of intentionally ignoring short-term market information that does not affect long-term financial outcomes. Many investors believe success comes from predicting markets or reacting quickly to economic news. In reality long-term investment success is driven primarily by behavior: staying invested avoiding panic decisions and following a consistent financial plan. Topics"
YouTube Link 2026-02-13T21:15Z 81K followers, [---] engagements
"6 Retirement Purchases People Realize Too Late They Cant Afford Most retirement plans dont fail because of bad investing or market crashes they fail quietly through everyday spending decisions that feel earned at the time. In this video we break down six big purchases retirees almost always regret years later when changing course is no longer easy. This isnt about cutting joy out of retirement its about awareness so you dont accidentally undo decades of smart planning. #RetirementPlanning #RetirementMistakes #RetireSmart #FinancialFreedom #RetirementIncome #PersonalFinance #RetirementTips"
YouTube Link 2026-02-06T21:30Z 81K followers, [----] engagements
"Are 401(k) Loans Really a Terrible Idea 401(k) loans are often misunderstood this video explains when they can help and when they absolutely shouldnt be used. With credit card rates soaring and emergencies hitting harder than ever a 401(k) loan can sometimes be a smart low-cost tool when used correctly. In this video I break down when a 401(k) loan makes sense the risks you must understand and how to avoid the mistakes that actually damage retirement plans in [----]. #401k #PersonalFinance #RetirementPlanning #FinancialAdvice #MoneyMistakes #DebtStrategy #EmergencyFund #Investing"
YouTube Link 2026-01-30T21:15Z 81K followers, [---] engagements
"The Government Wants to Stop Wall Street from Buying Homes: Heres What Happens Next Buying a home has never felt harder and its not just because of interest rates. A new proposal aims to limit large institutional investors from buying single-family homes raising significant questions about who actually has access to housing in America. In this video we break down whats really happening in the housing market why so many people feel locked out and what this proposed change could mean for homeowners renters and anyone hoping to buy a home in the future. In this video institutional investors"
YouTube Link 2026-01-23T21:15Z 81K followers, [---] engagements
"How to Pay $0 Taxes on a $100k Retirement Income (Easier Than You Think) Can retirees really generate $100000 of income and pay $0 in federal taxes In this video I walk through a real retirement example showing how Social Security dividends IRA withdrawals capital gains and Roth distributions interact under current U.S. tax law. Its possible to legally structure $100000 of income with little to no federal tax - the key to keeping more of your money in retirement. #retirementplanning #taxstrategy #retirementincome #taxfreeincome #financialplanning #retirementsavings #socialsecurity #rothira"
YouTube Link 2026-01-16T21:15Z 81K followers, 12.9K engagements
"Why the Roth Is the Most Powerful Tool for Tax-Free Retirement Income One of the biggest mistakes in retirement planning isnt how you invest its when and where your money gets taxed. In this video I break down why the Roth isnt just an account but a powerful strategy for creating tax-free retirement income. Youll learn how Roth money works differently why waiting for a lower tax bracket often backfires and how Roth strategies can protect Social Security reduce Medicare costs and give you more control no matter what Congress does next. This is part four in my series on building a 100% tax-free"
YouTube Link 2026-01-09T21:30Z 81K followers, [----] engagements
"Retiring at 62: Smart Move or Costly Mistake Retiring at [--] can either be the best decision you ever make or a costly mistake that quietly drains your income for decades. In this video I break down the hidden costs and surprising benefits of retiring at [--] so you can decide if its right for you. *How early Social Security claiming really impacts lifetime income *The healthcare gap before Medicare and how expensive it can be *The hidden market risk most early retirees ignore *Why retiring at [--] can actually improve taxes health and quality of life *A simple framework to know if [--] works for"
YouTube Link 2026-01-02T21:30Z 81K followers, [----] engagements
"Personal Finance Without the Noise Fear or Hype This channel focuses on personal finance strategy across every stage of life with a deeper emphasis on the decisions that matter most as retirement approaches. Personal finance changes as you move through lifebut every decision is connected. In this video I explain what See the Forest Through the Trees is really about: cutting through the noise focusing on strategy over hype and helping you make smarter financial and retirement decisions with clarity and confidenceno matter what stage youre in. Heres what to expect from the channel as we head"
YouTube Link 2025-12-19T15:31Z 81K followers, [----] engagements
"Retiring Soon Heres What to Do With Your 401(k) What to do with your 401(k) at retirement This is one of the biggest (and most stressful) financial decisions retirees face and the wrong move can trigger massive taxes or cost you long-term control. In this video I break down the three real options you have with your 401(k) explain how each one works and show you why rolling into an IRA is often the most flexible choice. I also share a free e-book that lays everything out side by side so you can choose confidently and avoid costly mistakes. ★☆★Get My Free E-Book.➡"
YouTube Link 2025-12-19T21:30Z 81K followers, 56.1K engagements
"Stop Wasting Thousands in Retirement (The Money Leak No One Warns You About) What expenses to cut in retirement Most retirees worry about running out of money. In this video I break down the hidden costs draining thousands from retirees every year the fastest 5-minute fix that can put real money back in your pocket and the one expense almost every household needs to cut immediately. These small tweaks can completely transform your financial confidence in retirement. Watch to protect your savings and build a retirement you actually enjoy. #retirementplanning #retirehappy #financialfreedom"
YouTube Link 2025-12-12T21:30Z 81K followers, [----] engagements
"Avoid the Retirement Tax Trap: Find Your Ideal IRA & 401(k) Balance (2026) Most people dont realize theres an ideal amount to keep in pre-tax retirement accountsand going above or below it can dramatically increase your lifetime tax bill. In this video I show couples and single retirees how to find their sweet spot for truly tax-free income by aligning RMDs Social Security taxation and the standard deduction. Youll see real examples why the traditional max out pre-tax advice often backfires and how to calculate the exact IRA balance that keeps your withdrawals tax-free. If you want a"
YouTube Link 2025-12-05T20:39Z 81K followers, 52.8K engagements
"The SECRET Social Security Math Nobody Shows Retirees Many retirees are often shown the same misleading Social Security break-even age but that number is misleading once you factor in the real math. Portfolio returns time value of money sequence-of-returns risk and lifestyle trade-offs are often never shown. This video is sponsored by Chapter. Find out more about your Medicare options by speaking with a real human in the U.S. Call Chapter to schedule your complimentary appointment at ➡ (818) 924-2041 or visit ➡ https://askchapter.org/CWM In this video I walk through a real example using new"
YouTube Link 2025-11-21T18:43Z 81K followers, 21.8K engagements
"Why Current Tax Laws are a GAME CHANGER for Retirement Savings In todays video we break down why the current tax code is one of the biggest opportunities youll ever have to build tax-free retirement income. With historically low tax brackets massive standard deductions new senior bonus deductions and wide sweet spots that allow you to reposition income strategically the window for smart planning has never been better. Whether youre doing Roth conversions managing taxable income or optimizing long-term capital gains at 0% understanding the difference between income and taxable income could"
YouTube Link 2025-11-14T20:54Z 81K followers, [----] engagements
"How Many Americans ACTUALLY Have $1 Million or More Ever wonder how many Americans are millionaires 💰 In this video we break down what it really means to have a $1 million net worth and the surprising truth behind the stats. Using data from the [----] UBS Global Wealth Report well show you how many people truly fit the definition what counts toward millionaire status and why the averages you see online can be so misleading. This video is sponsored by Chapter. Find out more about your Medicare options by speaking with a real human in the U.S. Call Chapter to schedule your complimentary"
YouTube Link 2025-11-07T21:30Z 81K followers, 132.6K engagements
"Why Retirement Changes Once You Save $2M In Retirement Reaching the $2 million milestone in retirement isnt the finish lineits a turning point. In this video well unpack the five biggest traps that quietly drain wealth from retirees and the four-pillar framework you can use to protect and grow what youve built. From hidden tax risks to poor portfolio alignment and legacy blind spots youll discover how to shift from accumulation to preservation with confidence. Whether youre approaching retirement or already there this video will show you how to keep more of what youve earned simplify your"
YouTube Link 2025-11-01T14:00Z 81K followers, 11.3K engagements
"The BIGGEST Retirement Myths Told By Finance Gurus In this video Im breaking down two of the most misleading retirement rules that continue to circulate online Dave Ramseys 8% withdrawal rule and Suze Ormans $5 million to retire claim. While these ideas might sound empowering they can actually set you up for disaster if you follow them blindly. This video is sponsored by Chapter. Find out more about your Medicare options by speaking with a real human in the U.S. Call Chapter to schedule your complimentary appointment at ➡ (818) 924-2041 or visit ➡ https://askchapter.org/CWM"
YouTube Link 2025-10-24T20:30Z 81K followers, 14.1K engagements
"Retiring at [--] The BEST Healthcare Strategy for an Early Retirement Retiring before you are eligible for Medicare In this video Colin Exelby CFP Shows you strategies for covering the healthcare gap in early retirement. Retiring at [--] might sound exciting but theres one huge challenge that catches most people off guard healthcare. You wont qualify for Medicare until [--] and those three years in between can cost $20000 to $30000 per year if youre not prepared. In this video I break down exactly how to bridge that healthcare gap without draining your savings from using Roth IRA and HSA"
YouTube Link 2025-10-17T20:26Z 81K followers, [----] engagements
"How to Make Social Security Tax-Free (The Secret IRS Formula) Are your Social Security benefits being taxed In this video Colin Exelby CFP breaks down the secret IRS math that determines how much of your Social Security is taxable and more importantly how to make your Social Security tax-free using smart retirement income planning. Youll learn: ➡ The exact Social Security combined income formula the IRS uses ➡ The key income thresholds for single and married filers ➡ Simple ways to avoid paying taxes on Social Security benefits ➡ How strategies like Roth conversions charitable giving and"
YouTube Link 2025-10-10T20:30Z 81K followers, [----] engagements
"60 Years Old and Nothing Saved for Retirement - Top [--] Recommendations In this video Colin Exelby CFP covers his top [--] recommendations if you are [--] years old and have nothing saved for retirement. If youre [--] years old and dont have anything saved for retirement youre not aloneand its not too late to turn things around. In this video I share [--] powerful strategies to help you gain control of your finances reduce stress and create a retirement you can feel confident about. From cutting expenses and paying off debt to automating savings rethinking work and even improving your health these"
YouTube Link 2025-09-26T20:30Z 81K followers, [----] engagements
"Medicare Advantage Plans LEAVING 2026: 1000000+ Seniors Affected In this video Colin Exelby CFP explains why over [-------] Seniors Are Losing Medicare Advantage Plans in [----]. United Healthcare announced plan exits that will impact 600000+ members. Other large and small carriers will follow suit. Stay informed with this video explaining upcoming changes to Medicare Advantage plans in [----] which could impact millions. Understand your Medicare eligibility and how these changes to Medicare affect your Medicare premiums. Get insurance tips to navigate your Medicare sign up and find medicare plans"
YouTube Link 2025-09-19T20:00Z 81K followers, [----] engagements
"5 Things to Sell BEFORE Retiring In this video Colin Exelby CFP explains [--] things you should consider selling before you retire Retirement isnt just about what you add sometimes the real freedom comes from what you let go of. From oversized homes and extra cars to complicated investments and unused toys downsizing can give you back your time money and energy. In this video Ill show you why letting go of the right things before retirement can help you live lighter freer and with more peace of mind in your next chapter. #retirementplanning #financialfreedom #downsizing #retirementtips"
YouTube Link 2025-09-12T20:00Z 81K followers, [----] engagements
"5 Eye-Opening Lessons Every New Retiree Learns In this video Colin Exelby CFP explains [--] things you should expect in year [--] of retirement. Most people think about what they are retiring from.but what are you retiring to Retirement isnt a finish lineits the starting point. The first year after you stop working is full of surprises that no spreadsheet can prepare you for: shifting routines relationship adjustments identity changes and financial realities that feel different when your portfolio becomes your paycheck. In this video Ill share five of the most common curveballs new retirees face"
YouTube Link 2025-09-05T20:00Z 81K followers, 17.6K engagements
"The BEST REASON to Retire As Soon As Possible In this video Colin Exelby CFP explains the top reason you should consider retirement sooner rather than later. If youve saved enough to retire waiting longer might be the biggest mistake you ever make. Money gives you security and freedom but once you reach enough extra years of work dont add real value they only cost you time. In this video Ill show you why your healthiest most vibrant years are too precious to trade for money you may never use and why retiring sooner could change your life. #RetirementPlanning #FinancialFreedom #RetireEarly"
YouTube Link 2025-08-22T20:30Z 81K followers, 76.3K engagements
"4 Things you MUST KNOW if You're Retiring With A Pension In this video Colin Exelby CFP explains how a pension changes your retirement planning. Retirement planning looks completely different when you have a pension and only 24% of working Americans do. That extra stream of guaranteed income can be a huge advantage but it also comes with unique challenges for taxes Social Security timing survivor benefits and investing. In this video well cover the four biggest things every pension holder must know: understanding exactly how your pension works avoiding tax traps (including the widows penalty)"
YouTube Link 2025-08-15T16:42Z 81K followers, 208.8K engagements
"Should You Pay Off Your Mortgage Early or Invest (Real Life Example) Should you pay off your mortgage earlyor keep it and invest instead In this video we break down both sides using real numbers based on todays interest rates expected investment returns and even a real client scenario. Youll learn about mortgage efficiency how to compare debt costs to investment potential and the emotional side of being debt-free. By the end youll know exactly how to decide whats right for your situationwhether thats paying it off investing the difference or taking a balanced approach. #mortgage #mortgagetips"
YouTube Link 2025-08-08T20:00Z 81K followers, 17.3K engagements
"New Tax Bill Just Changed Retirement Rules Financial Planner Explains In this video Colin Exelby CFP dives deep into the new "Big Beautiful Bill" tax law. A brand-new 870-page bill just passed and its filled with changes that could have a major impact on your retirement. If you're already retired or just a few years away nows the time to pay attention. In this video Ill break down the most important updateswithout wasting your time. Were talking about permanent tax bracket changes a bigger standard deduction a brand-new Senior Bonus Deduction updates to Social Security taxation and even a few"
YouTube Link 2025-08-01T20:30Z 81K followers, 26.5K engagements
"4 Ways to Pay Off Your Mortgage Early (Ugly TRUTH About Mortgage Interest) Most people think their mortgage is just about the monthly paymentbut thats only part of the story. In this video we break down the real cost of mortgage interest how its calculated and how much youre really paying over the life of the loan. Then we dive into [--] proven strategies (plus one powerful bonus tactic) to help you pay off your mortgage faster and save tensif not hundredsof thousands in interest. No gimmicks. No refinancing needed. Just smart actionable steps you can take starting today. Whether you're a"
YouTube Link 2025-07-25T20:30Z 81K followers, 10.5K engagements
"Retire at [--] The Shocking Average Savings vs. What You Actually Need In this video Colin Exelby CFP breaks down the average savings in America vs the number you actually need for retirement. Wondering how much you really need to retire at [--] Youre not aloneand the answer might surprise you. While headlines throw out scary numbers like $800000 based on outdated rules of thumb the truth is far more personal. In this video we break down the real average and median retirement savings why the popular 8X rule can be misleading and how Social Security and realistic spending patterns in retirement"
YouTube Link 2025-07-18T20:00Z 81K followers, [----] engagements
"Social Security Spousal Benefit Mistakes (The Truth Will Surprise You) In this video Colin Exelby CFP breaks down how spousal social security works. You may have heard that spousal Social Security benefits can pay up to half of your spouses benefitbut thats not always how it works. In fact many people are surprised when they receive much less than expected often because they misunderstood the rules or listened to outdated advice. In this video I break down exactly how spousal benefits are calculated the common misconceptions around getting half and why timing matters more than most people"
YouTube Link 2025-07-11T20:00Z 81K followers, 17.3K engagements
"5 Years Out From Retirement Heres What You Must Do Now In this video Colin Exelby CFP explains [--] crucial things you must do now if you are planning on retiring in [--] years. Imagine two 60-year-oldssame age same income same timeline to retirement. Yet in just five years one comfortably retires while the other runs out of money. What made the difference In this video Ill break down the [--] guiding principles you need to take in the final [--] years before retirement. From supercharging your savings and building a bulletproof income plan to shielding your nest egg from market crashes and minimizing"
YouTube Link 2025-07-05T13:15Z 81K followers, 223.7K engagements
"FINANCIAL ADVISOR EXPLAINS: The [--] Levels of Wealth In America In this video Colin Exelby CFP explains the [--] levels of wealth in America Most people focus on how much money they makebut thats the wrong question. In this video we reveal the real measure of financial success: your net worth not your income. Using the latest data from the Federal Reserve we break down the six wealth levels that define where you stand in todays economyfrom financial survival to the top 1%. You'll learn why high earners can still struggle how net worth is built and what key behaviors separate the wealthy from the"
YouTube Link 2025-06-27T20:00Z 81K followers, 117.1K engagements
"Why EVERYTHING in Retirement Changes When You Have a Pension Colin Exelby CFP explains how retirement changes when you have a pension. After [--] years of helping retirees navigate life after work I can tell youyour pension decision might be one of the most critical financial moves you ever make. Whether youre choosing between a lump sum or monthly payments weighing the risk of outliving your money or deciding how to protect your spouse theres a lot to unpack. In this video I break down everything you need to know about pensionshow they work the tradeoffs how PBGC protection fits in and"
YouTube Link 2025-06-20T20:00Z 81K followers, 152.2K engagements
"Is A Fully Paid Off Home in Retirement ACTUALLY Worth it Colin Exelby CFP breaks down if a fully paid off home is actually worth it in retirement. Is it always best to retire mortgage-free In this video we dive into one of the biggest retirement debates: should you pay off your mortgage or keep it While conventional wisdom suggests eliminating all debt before retirement the numbers tell a more nuanced story. From average housing expenses across the U.S. to investment returns on home equity and emotional ties to the family home we break down the real costsand benefitsof each path. Whether"
YouTube Link 2025-06-13T04:00Z 81K followers, 15.2K engagements
"J.P. Morgan Studied [--] Million Retirees and found [--] SHOCKING Spending Surprises Colin Exelby CFP Dives Deep into the JP Morgan study breaking down [--] shocking retirement spending surprises. Are you still planning your retirement with outdated advice This video breaks down groundbreaking research from JP Morgan that analyzed over [--] million Chase households and revealed how real retiree spending patterns differ dramatically from what most financial planners still use. From the retirement honeymoon phase to the Go-Go Slow-Go and No-Go years Ill show you how understanding these patterns can help"
YouTube Link 2025-06-06T20:00Z 81K followers, 182.5K engagements
"Can the TRUMP Account Change Your Childs Future Is Trump really offering $1000 for every child through a new TRUMP Account In this video Certified Financial Planner Colin Exelby breaks down what the TRUMP Account actually is how it works and whether its a smart move for your childs financial future. From federal contributions and compounding investment growth to the pros and cons of contributing your own money Colin compares it to [---] plans tax credits and past government proposals. He explains whats at stake how the account could be used for education a first home or even starting a"
YouTube Link 2025-05-30T20:00Z 81K followers, [----] engagements
"Where to Pull Funds from First in Retirement ➤ Related Strategy Video How Some Retirees Pay $0 Tax on $100000 of Income https://youtu.be/BCcWPAAS-7o In this new example I layer Social Security dividends IRA and Roth withdrawals to minimize taxes for viewers who want to go beyond withdrawal order. Colin Exelby CFP Explains Strategies to access your retirement accounts in the right order. How you access your nest egg can significantly impact how long your savings last and how much you pay in taxes. Its not just about saving for retirement but about strategically pulling from the right accounts"
YouTube Link 2025-05-16T14:31Z 81K followers, [----] engagements
"My Honest Advice on Working Past Age [--] Retire NOW Is working one more year really worth it In this video I break down a real-world retirement scenario of Marcus and Sophiaboth [--] and financially prepared to retire yet tempted to delay for more security. On paper working another year boosts their success rate dramatically. But what about their health dreams and time We explore how delaying retirement can cost more than moneyand why healthy life expectancy should be a central part of your plan. If youre approaching retirement this is a must-watch. #retirementplanning #retireearly"
YouTube Link 2025-05-09T15:58Z 81K followers, 10.7K engagements
"Retiring at [--] May Be TOO LATE: Retirement Expert Explains Why In this video Colin Exelby CFP explains the reason why retiring at [--] may be a huge mistake Most people plan to retire at 65but what if thats too late In this video I explain why healthy life expectancynot just how long you live but how long you stay active and mobileis the real factor that could make or break your retirement. Ill break down what the data actually shows why the U.S. ranks so low and how waiting too long to retire could mean missing your best years. Youll also learn four key steps to retire earlier healthier and"
YouTube Link 2025-05-01T17:26Z 81K followers, 11.6K engagements
"Are You Making this EXPENSIVE RMD Mistake 84% Of Retirees Are In this video Colin Exelby CFP explains the most common RMD mistake 84% of people might be makingtaking only the minimum withdrawalwhy it's happening and how it could quietly cost you thousands in taxes and missed opportunities. You'll learn how RMDs are calculated the tax implications of growing account balances and when it might make sense to take more than the minimum. We also cover tax-efficient strategies like Roth conversions and reinvesting in non-retirement accounts plus how to avoid IRMAA surcharges and leaving a smarter"
YouTube Link 2025-04-04T17:20Z 81K followers, [----] engagements
"Max Out Your Social Security with THIS Formula In this video Colin Exelby CFP breaks down what a bend point is and how to use it to calculate your social security earnings. Curious about how your Social Security benefit is actually calculated Its not as simple as just working for [--] years In this video I break down the secret government formulaincluding "bend points"that determine how much of your income actually counts toward your benefits. Spoiler: the more you earn the less you get back This is especially important for business owners as how you pay yourself could significantly impact your"
YouTube Link 2025-03-28T19:29Z 81K followers, [----] engagements
"No Taxes on Social Security What You Need to Know In this video Colin Exelby CFP breaks down Trump's plan for eliminating taxes on Social Security. Nearly 40% of retirees pay taxes on their benefits despite contributing 12.4% of their income for years. Now Trump is proposing to eliminate these taxespotentially the biggest Social Security change in [--] years. But can America afford it Will it actually happen Support the Channel by Becoming a Community Member 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join #SocialSecurity #Retirement #Trump #Taxes #PersonalFinance #Wealth"
YouTube Link 2025-03-13T14:24Z 81K followers, 79.8K engagements
"How Much of Your Social Security Income Will Be Taxed. A Second Time In this video Colin Exelby CFP breaks down how social security is taxed and he provides three specific examples of social security taxation in retirement. Want to know if your Social Security benefits will be taxed In this video I break down the government's complex formula that determines how muchif anyof your Social Security is taxable. While some retirees pay taxes on up to 85% of their benefits others pay nothing at all. And its not just the wealthy getting hitnearly 40% of Americans are taxed on their Social Security"
YouTube Link 2025-03-07T16:24Z 81K followers, 76.6K engagements
"Did Elon Musk Discover the BIGGEST Financial Fraud in History In this video Colin Exelby CFP breaks down Elon Musks shocking claim about [--] million active Social Security numbers belonging to people over [---] years old. Is this a lie If he is correct it could be a huge deal for the solvency of the Social Security System. Join me and uncover whether this is a massive fraud if there are millions of payments to [---] year old people and if there is truly a government data error. Elon Musk just exposed what could be the biggest fraud in historyclaiming that over [--] million active Social Security"
YouTube Link 2025-02-28T18:59Z 81K followers, 394.4K engagements
"The Financial Troubles of Gen X - Here's How to Fix it In this video Colin Exelby CFP explains the financial struggles facing Gen X also called "the sandwich generation" and shares actionable strategies to overcome them. Gen X is in financial trouble and many wont realize it until its too late. With the oldest Gen Xers turning [--] major retirement decisions are looming yet many are vastly underprepared. This generation faces unique challengesfrom skyrocketing housing costs to inadequate retirement savingsleaving many on track to be worse off financially than their parents. In this video I"
YouTube Link 2025-02-21T14:26Z 81K followers, 37.6K engagements
"IRS Releases NEW [----] IRS Tax Brackets - What You Need to Know In this video Colin Exelby CFP explains the new [----] IRS Tax Bracket Changes and how they'll impact you. The [----] tax season is here and there are some key changes you need to know In this video we break down updates to the standard deduction income and capital gains tax brackets the net investment income tax and Medicare premium surcharges. Plus Ill share smart strategies to lower your tax bill and keep more money in your pocket. Understanding how these updates impact your finances is crucial for effective tax planning. Dont"
YouTube Link 2025-02-14T14:59Z 81K followers, 30.5K engagements
"Financial Planner REACTS To Dave Ramseys Social Security Advice In this video Colin Exelby CFP breaks down a key segment from Dave Ramsey's discussion on the best time to collect Social Security. With over [--] years of experience as a financial advisor Ive seen firsthand that theres no one-size-fits-all answer. Together well analyze the pros and cons of filing early the impact of income limits potential tax consequences and whether investing early benefits can truly outperform delaying. Daves advice works for manybut is it the right fit for you Lets dive in and see Dont miss my final takeaway"
YouTube Link 2025-02-07T21:00Z 81K followers, 371K engagements
"5 High-Yield Savings Mistakes I Made (So You Don't Have To) In this video Colin Exelby CFP explains [--] things you need to know before opening up a High Yield Savings Account. I've had a high-yield savings account since [----]. I'm sharing [--] lessons I learned with my first HYSA so you don't have the same surprises. #PersonalFinance #HighYieldSavings #MoneyTips #FinancialFreedom #SavingsAccount #WealthBuilding #InvestSmart #MoneyManagement #FinanceTips #Savings 00:00-Introduction 01:00-The interest rate reality check 02:07-The multiple account advantage 03:45-The tax drawback 05:34-HYSAs Arent The"
YouTube Link 2025-01-31T21:00Z 81K followers, 112.2K engagements
"7 GREAT REASONS to File for Social Security at Age [--] Navigating Social Security benefits can be complex and this video explanation with Colin Exelby CFP breaks down key strategies for deciding when to file for benefits. Discover why the traditional break-even analysis is outdated learn [--] compelling reasons to collect benefits early and understand how personal circumstances like health family dynamics and financial markets can influence your optimal filing strategy. Whether you're approaching retirement or helping a loved one plan this guide offers crucial insights to make an informed"
YouTube Link 2025-01-24T21:00Z 81K followers, 2.7M engagements
"Trump & Musk's NEW PLAN: Impact On Your Social Security During his campaign President Trump promised not to cut Social Security or Medicare benefits and proposed eliminating federal taxes on Social Security distributionsa move that could benefit millions of retirees. But how realistic is this plan and what are the potential consequences In this video Colin Exelby CFP unpacks the history of Social Security taxation analyzes the impact of Trump's proposal and explores alternative ideas from figures like Vivek Ramaswamy JD Vance and Elon Musk. With rising concerns about the Social Security trust"
YouTube Link 2025-01-17T21:00Z 81K followers, 1.9M engagements
"Ideal Time to Claim Social Security: Age [--] vs. [--] What if you could be leaving $250000 on the table with ONE retirement decision 🤔 In this video we compare two retirees - Professor Pat and Nurse Nancy - to show how their different Social Security claiming strategies lead to drastically different outcomes in retirement. We break down: - The basics of how Social Security benefits are calculated - Why claiming Social Security at [--] vs [--] could make a $250K+ difference - A real-world comparison with $1M portfolios - The looming [----] Social Security crisis you need to know about - Critical"
YouTube Link 2025-01-10T18:23Z 81K followers, 191.8K engagements
Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing