YouTube videos CONSTANTLY load like crap even on Wifi iPhone 4

I dont understand what the problem is. Ive got the most advanced phone on the market, the fastest wifi (I have a Netgear N router) and for some reason YouTube videos take FOREVER to load - if they load at all.
And they load about 4 seconds a minute.
This is performance about 85% of the time.
And I usually have all 3 wifi bars lite up, if not 3 then 2. On an N network, this should be lighting fast, but its so frustrating to the point of not even watching YouTube - and well if the iPhone 4 cant do that, its pretty pathetic that I pay over $100 a month for service. Let alone trying to run it in wifi.
So what is the problem?
Windows XP Pro