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  <!-- ═══════════════════════════════════════════
       PRIORITY 1 — Core marketing & free tools
  ═══════════════════════════════════════════ -->
  <url>
    <loc>https://fiscalme.com/</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://fiscalme.com/opengraph.jpg</image:loc>
      <image:title>FiscalMe — Personal Finance &amp; Bill Negotiation Platform</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fiscalme.com/bill-negotiator</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/benefits</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/finance/calculators</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/pricing</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/platform</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/about</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/glossary</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/health/first-aid</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ═══════════════════════════════════════════
       PRIORITY 2 — Individual calculator landing pages
       (high search intent, no login required)
  ═══════════════════════════════════════════ -->
  <url>
    <loc>https://fiscalme.com/calc/emergency-fund</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/calc/rent-affordability</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/calc/min-payment-trap</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/calc/savings-rate</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.88</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/calc/balance-transfer</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.88</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/calc/credit-utilization</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.88</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/calc/401k-match</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.88</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/calc/se-tax</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.88</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/calc/quarterly-tax</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.88</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/calc/roth-vs-traditional</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.88</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/calc/rental-roi</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/calc/refinance</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/calc/burn-rate</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/calc/break-even</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ═══════════════════════════════════════════
       PRIORITY 3 — Feature landing pages (public)
  ═══════════════════════════════════════════ -->
  <url>
    <loc>https://fiscalme.com/trust-lease</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/afx-banking</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.82</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/micro-insurance</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.82</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/fiscalme-local</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/receipt-processor</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/intelligence/scam-radar</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.82</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/intelligence/insider-signals</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/intelligence/command-center</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.78</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/intelligence/rail-transparency</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.78</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/finance/holistic</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.78</priority>
  </url>

  <!-- ═══════════════════════════════════════════
       PRIORITY 4 — Gig worker suite
  ═══════════════════════════════════════════ -->
  <url>
    <loc>https://fiscalme.com/gig/earnings</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/gig/tax</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/gig/dry-month</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- ═══════════════════════════════════════════
       PRIORITY 5 — Insights & content
  ═══════════════════════════════════════════ -->
  <url>
    <loc>https://fiscalme.com/insights</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/insights/trust-in-every-transaction</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>

  <!-- ═══════════════════════════════════════════
       PRIORITY 6 — Community & advocacy
  ═══════════════════════════════════════════ -->
  <url>
    <loc>https://fiscalme.com/advocacy</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.72</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/advocacy/corruption-tracker</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.70</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/advocacy/recovery-fund</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/community/quizzes</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.70</priority>
  </url>

  <!-- ═══════════════════════════════════════════
       PRIORITY 7 — Authenticated platform (indexed for brand/feature discovery)
  ═══════════════════════════════════════════ -->
  <url>
    <loc>https://fiscalme.com/dashboard</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/intelligence/macro-explorer</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.70</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/intelligence</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.68</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/security/dfan</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.68</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/what-if</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.68</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/health/score</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.70</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/health/crisis</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>

  <!-- ═══════════════════════════════════════════
       PRIORITY 8 — Auth & signup
  ═══════════════════════════════════════════ -->
  <url>
    <loc>https://fiscalme.com/signup</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.65</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/login</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.55</priority>
  </url>

  <!-- ═══════════════════════════════════════════
       PRIORITY 9 — Decks / press
  ═══════════════════════════════════════════ -->
  <url>
    <loc>https://fiscalme.com/decks</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/decks/invest</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.60</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/decks/overview</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.60</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/decks/businessplan</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.60</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/decks/mediakit</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.60</priority>
  </url>

  <!-- ═══════════════════════════════════════════
       PRIORITY 10 — Legal & compliance
  ═══════════════════════════════════════════ -->
  <url>
    <loc>https://fiscalme.com/privacy</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.40</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/terms</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.40</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/cookies</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.30</priority>
  </url>
  <url>
    <loc>https://fiscalme.com/accessibility</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.30</priority>
  </url>

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