<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:video="http://www.google.com/schemas/sitemap-video/1.1">

  <url>
    <loc>https://bellavia.app/media/uk-1959-1989-supermac-to-berlin-wall/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/uk-market-high-inflation/short_high_inflation_1959_supermac_to_berlin_wall.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/uk-1959-1989-supermac-to-berlin-wall.jpg</video:thumbnail_loc>
      <video:title>UK 1959–1989: 7.1% Inflation — Supermac to Berlin Wall</video:title>
      <video:description>£100 in UK stocks became £4,989 nominally but just £634 in real terms. 7.1% annual inflation over 30 years consumed most gains.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-02-12T11:00:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/1970-2000-greatest-bull-run/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/us-market-best/short_best_1970_the_great_bull_run.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/1970-2000-greatest-bull-run.jpg</video:thumbnail_loc>
      <video:title>1970–2000: $100 Became $4,607 — The Greatest Bull Run</video:title>
      <video:description>46x your money. The single best 30-year return since the Depression. It started in chaos when BusinessWeek declared the &#x27;Death of Equities.&#x27;</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-02-10T15:30:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/1929-at-5-percent-withdrawal-depleted/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/saving-scenarios/short_retirement_5pct_1929.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/1929-at-5-percent-withdrawal-depleted.jpg</video:thumbnail_loc>
      <video:title>1929 at 5% Withdrawal: Money Gone in Year 30</video:title>
      <video:description>Retiring in 1929 with a 5% withdrawal rate. The portfolio lasted 29 years and ran out in year 30. Almost made it — ‘almost’ doesn’t pay bills.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-02-09T10:00:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/1000-per-month-starting-1990-two-crashes/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/saving-scenarios/short_saving_1000_1990.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/1000-per-month-starting-1990-two-crashes.jpg</video:thumbnail_loc>
      <video:title>$1,000/Month Starting 1990: Two 50% Crashes, Still Hit $1M</video:title>
      <video:description>Starting in 1990 meant investing through the dot-com crash and the 2008 financial crisis. $360K in contributions still became $1.0M.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-02-07T13:00:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/can-1000-per-month-make-you-a-millionaire/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/saving-scenarios/short_savings_1000.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/can-1000-per-month-make-you-a-millionaire.jpg</video:thumbnail_loc>
      <video:title>Can $1,000/Month Make You a Millionaire? (59% Say Yes)</video:title>
      <video:description>59% of historical 30-year periods turned $1,000/month into $1M+. Median outcome: $1,043,646 — nearly 3x your $360K in contributions.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-02-06T09:30:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/the-3-percent-rule-has-never-failed/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/withdrawal-rates/bellavia-3pct-short.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/the-3-percent-rule-has-never-failed.jpg</video:thumbnail_loc>
      <video:title>The 3% Rule Has Never Failed in 100+ Years of Data</video:title>
      <video:description>The ultra-conservative 3% withdrawal strategy: 100% success rate across every historical period. But is leaving money on the table its own risk?</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-02-04T16:00:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/the-5-percent-rule-85-success-rate/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/withdrawal-rates/bellavia-5pct-short.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/the-5-percent-rule-85-success-rate.jpg</video:thumbnail_loc>
      <video:title>The 5% Rule: Is 85% Success Worth the Risk?</video:title>
      <video:description>The aggressive 5% withdrawal strategy tested against 100+ years. 85% success rate, but 15% of periods failed. Know your risk.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-02-03T08:00:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/1920-1950-deflation-era/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/us-market-low-inflation/short_low_inflation_1920_deflation_era.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/1920-1950-deflation-era.jpg</video:thumbnail_loc>
      <video:title>1920–1950: The Deflation Era — When Investors Kept 82% of Gains</video:title>
      <video:description>Just 0.7% annual inflation for 30 years. $100 became $987 nominally and $812 in real terms. Investors kept 82% of their gains.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-02-01T11:45:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/1933-1963-best-30-years-us-market/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/us-market-best/short_best_1933_depression_recovery.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/1933-1963-best-30-years-us-market.jpg</video:thumbnail_loc>
      <video:title>1933–1963: The Best 30 Years in US Market History</video:title>
      <video:description>$100 became $3,988 — the single best 30-year stretch in over a century of US market data. 13.1% annualized for three decades.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-01-31T14:15:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/year-race-gilded-age-4-percent/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/year-race/gilded-age-4pct.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/year-race-gilded-age-4-percent.jpg</video:thumbnail_loc>
      <video:title>Year Race: The Gilded Age at 4% — A Perfect Score</video:title>
      <video:description>29 retirement cohorts from 1871–1899 at the 4% withdrawal rate. 100% success. Every cohort finished richer than they started.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-01-30T10:30:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/500-per-month-great-depression-1932/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/saving-scenarios/short_saving_500_1932.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/500-per-month-great-depression-1932.jpg</video:thumbnail_loc>
      <video:title>$500/Month During the Great Depression Became $542K</video:title>
      <video:description>$500/month invested through the worst financial crisis in history. You put in $180K. The market turned it into $542K. 3x your money.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-01-28T12:00:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/uk-1900-1930-victorian-twilight-to-crash/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/uk-market-worst/short_worst_1900_victorian_twilight_to_crash.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/uk-1900-1930-victorian-twilight-to-crash.jpg</video:thumbnail_loc>
      <video:title>UK 1900–1930: The Worst 30 Years in British Market History</video:title>
      <video:description>£100 invested in UK equities in 1900 became just £390 by 1930. Only 4.6% annualized returns. Even Britain’s worst decades still grew.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-01-27T09:00:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/uk-1960-1990-inflation-destroyed-88-percent/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/uk-market-high-inflation/short_high_inflation_1960_swinging_sixties_to_poll_tax.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/uk-1960-1990-inflation-destroyed-88-percent.jpg</video:thumbnail_loc>
      <video:title>UK 1960–1990: Inflation Destroyed 88% of Your Gains</video:title>
      <video:description>£100 in UK stocks grew to £4,395 nominally but was worth only £526 in real terms. 7.3% annual inflation consumed almost everything.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-01-25T15:30:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/year-race-gilded-age-5-percent/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/year-race/gilded-age-5pct.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/year-race-gilded-age-5-percent.jpg</video:thumbnail_loc>
      <video:title>Year Race: The Gilded Age at 5% Withdrawal — 97% Survived</video:title>
      <video:description>29 retirement cohorts from 1871–1899 race head-to-head at a 5% withdrawal rate. 97% survived. The 1877 cohort finished with $4.4 million.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-01-24T13:00:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/uk-1956-1986-suez-era-to-big-bang/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/uk-market-best/short_best_1956_suez_era_to_big_bang.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/uk-1956-1986-suez-era-to-big-bang.jpg</video:thumbnail_loc>
      <video:title>UK 1956–1986: £100 Became £7,384 — Suez Era to Big Bang</video:title>
      <video:description>The best 30-year stretch in UK market history. £100 in UK equities became £7,384 nominally, with 15.4% annualized returns.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-01-22T08:30:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/can-500-per-month-make-you-a-millionaire/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/saving-scenarios/short_savings_500.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/can-500-per-month-make-you-a-millionaire.jpg</video:thumbnail_loc>
      <video:title>Can $500/Month Make You a Millionaire?</video:title>
      <video:description>$500/month for 30 years reached $1M in only 1% of historical periods. The median outcome: $521,823. Still nearly 3x your contributions.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-01-21T11:00:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/1902-1932-worst-30-years-us-market/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/us-market-worst/short_worst_1902_early_century_stagnation.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/1902-1932-worst-30-years-us-market.jpg</video:thumbnail_loc>
      <video:title>1902–1932: The Worst 30 Years in US Market History</video:title>
      <video:description>Panics, a world war, the Roaring Twenties bubble, and the Great Crash. Yet $100 still became $507. The S&amp;P 500 has never lost money over 30 years.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-01-19T16:45:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/1970-2000-greatest-bull-run-inflation-ate/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/us-market-high-inflation/short_high_inflation_1970_the_great_bull_run.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/1970-2000-greatest-bull-run-inflation-ate.jpg</video:thumbnail_loc>
      <video:title>1970–2000: The Greatest Bull Run That Inflation Ate</video:title>
      <video:description>$100 became $4,607 nominally but only $1,033 in real terms. The greatest bull market in history still lost 78% of gains to inflation.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-01-18T10:15:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/1932-1962-depression-to-prosperity/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/us-market-best/short_best_1932_depression_to_prosperity.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/1932-1962-depression-to-prosperity.jpg</video:thumbnail_loc>
      <video:title>1932–1962: $100 Became $3,843 — Depression to Prosperity</video:title>
      <video:description>The best time to invest was the worst time to be alive. $100 invested at the bottom of the Great Depression grew to $3,843 over 30 years.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-01-16T14:00:00+00:00</video:publication_date>
    </video:video>
  </url>

  <url>
    <loc>https://bellavia.app/media/the-4-percent-rule-99-success-rate/</loc>
    <video:video>
      <video:content_loc>https://exports.bellavia.app/media/shorts/withdrawal-rates/bellavia-4pct-short.mp4</video:content_loc>
      <video:thumbnail_loc>https://exports.bellavia.app/media/thumbnails/the-4-percent-rule-99-success-rate.jpg</video:thumbnail_loc>
      <video:title>The 4% Rule: 99% Success Over 100+ Years of Market History</video:title>
      <video:description>The classic 4% withdrawal strategy tested against every 30-year period in US market history. Only one starting year failed.</video:description>
      <video:duration>45</video:duration>
      <video:publication_date>2026-01-15T09:30:00+00:00</video:publication_date>
    </video:video>
  </url>

</urlset>
