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      <image:title>Blog - VTSAX + VBTLX + CASH = World's Simplest 2-Fund Portfolio - Make it stand out</image:title>
      <image:caption>S&amp;P 500 Last 100 Years</image:caption>
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      <image:title>Blog - Best Navigate The High Interest Rate Environment - Make it stand out</image:title>
      <image:caption>S&amp;P 500 - Last 100 Years</image:caption>
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      <image:title>Blog - High Performance Habits - Make it stand out</image:title>
      <image:caption>Dwayne Johnson - The Master of Reinvention</image:caption>
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      <image:title>Blog - Margin Of Safety - Make it stand out</image:title>
      <image:caption>A Bridge Too Far (1977)</image:caption>
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      <image:title>Blog - Buy Back Time - Make it stand out</image:title>
      <image:caption>Do We Really Need All Those Rooms?</image:caption>
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    <lastmod>2023-03-28</lastmod>
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      <image:title>Blog - Don't Try To Be A Billionaire - Make it stand out</image:title>
      <image:caption>Mihaly Csikszentmihalyi - The Father of “Flow.”</image:caption>
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  <url>
    <loc>https://financialtortoise.com/blog/how-millionaires-buy-homes</loc>
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    <lastmod>2023-03-24</lastmod>
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      <image:title>Blog - How Millionaires Buy Homes - Make it stand out</image:title>
      <image:caption>Not All Millionaires Live Like This</image:caption>
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    <loc>https://financialtortoise.com/blog/9-frugal-habits-to-start-this-year</loc>
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    <lastmod>2023-03-21</lastmod>
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  <url>
    <loc>https://financialtortoise.com/blog/how-to-rebalance-your-portfolio</loc>
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    <lastmod>2023-03-17</lastmod>
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  <url>
    <loc>https://financialtortoise.com/blog/financially-efficient-household</loc>
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    <priority>0.5</priority>
    <lastmod>2023-03-14</lastmod>
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  <url>
    <loc>https://financialtortoise.com/blog/be-frugal-not-miserable</loc>
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    <priority>0.5</priority>
    <lastmod>2023-03-10</lastmod>
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      <image:title>Blog - Be Frugal. Not Miserable. - Make it stand out</image:title>
      <image:caption>How Much Home Do We Really Need?</image:caption>
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  <url>
    <loc>https://financialtortoise.com/blog/how-to-retire-faster</loc>
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    <priority>0.5</priority>
    <lastmod>2023-03-16</lastmod>
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      <image:title>Blog - How To Retire Faster - Make it stand out</image:title>
      <image:caption>Source: Vanguard 2012 Study, LSI vs DCA</image:caption>
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  <url>
    <loc>https://financialtortoise.com/blog/hierarchy-of-investment-needs</loc>
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    <lastmod>2023-03-16</lastmod>
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      <image:title>Blog - Hierarchy of Investment Needs - Make it stand out</image:title>
      <image:caption>Maslow’s Hierarch of Needs</image:caption>
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    <lastmod>2023-03-01</lastmod>
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  <url>
    <loc>https://financialtortoise.com/blog/the-truth-about-car-leasing</loc>
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    <lastmod>2023-03-01</lastmod>
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  <url>
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    <lastmod>2023-03-01</lastmod>
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  <url>
    <loc>https://financialtortoise.com/blog/buy-and-hold-strategy-doesnt-work</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-25</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/636538dee1d8b743121977d8/e4318aec-ade3-4628-9d5e-30aed3956392/Herd+Mentality.jpeg</image:loc>
      <image:title>Blog - Buy &amp;amp; Hold Strategy Doesn't Work - Make it stand out</image:title>
      <image:caption>Herd Mentality</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/636538dee1d8b743121977d8/06015aa8-5db2-4dc9-9006-8d74708f9d0b/The+Boglehead+Guide+To+Investing+%28Table+8.2%29.png</image:loc>
      <image:title>Blog - Buy &amp;amp; Hold Strategy Doesn't Work - Make it stand out</image:title>
      <image:caption>Source: The Bogleheads Guide to Investing</image:caption>
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    <lastmod>2023-02-14</lastmod>
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      <image:title>Blog - FZROX $0 Fee Fund - Too Good To Be True? - Make it stand out</image:title>
      <image:caption>$1.50 Costco Hotdogs - The Ultimate Loss Leader Strategy</image:caption>
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    <lastmod>2023-02-10</lastmod>
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  <url>
    <loc>https://financialtortoise.com/blog/8-strategies-to-increase-investment-returns</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-07</lastmod>
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  <url>
    <loc>https://financialtortoise.com/blog/why-rich-people-do-crazy-things</loc>
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    <lastmod>2023-02-03</lastmod>
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      <image:title>Blog - Why Rich People Do Crazy Things - Make it stand out</image:title>
      <image:caption>Cristiano Ronaldo - The Highest Paid Soccer Player In History</image:caption>
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    <lastmod>2023-01-31</lastmod>
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    <lastmod>2023-01-27</lastmod>
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    <loc>https://financialtortoise.com/blog/10-tips-to-simplify-your-personal-finance</loc>
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    <lastmod>2023-01-28</lastmod>
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    <loc>https://financialtortoise.com/blog/bond-market-is-crashing-im-still-buying</loc>
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    <priority>0.5</priority>
    <lastmod>2023-01-20</lastmod>
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      <image:title>Blog - Bond Market Is Crashing (I'm Still Buying) - Make it stand out</image:title>
      <image:caption>Paul Volcker, Chairman of the Federal Reserve from 1979 to 1987</image:caption>
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  <url>
    <loc>https://financialtortoise.com/blog/9-life-and-money-lessons-from-warren-buffet</loc>
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    <priority>0.5</priority>
    <lastmod>2023-01-19</lastmod>
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  <url>
    <loc>https://financialtortoise.com/blog/the-12-steps-to-financial-independence</loc>
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    <lastmod>2023-01-10</lastmod>
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    <loc>https://financialtortoise.com/blog/practice-frugal-wealth</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-01-06</lastmod>
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      <image:title>Blog - Practice Frugal Wealth - Make it stand out</image:title>
      <image:caption>Forrest Gump - The True Frugal Wealth</image:caption>
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    <lastmod>2023-01-03</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/636538dee1d8b743121977d8/cefce7e7-136c-46e4-ba8b-fe7ec92db800/S%26P+500+vs+Total+Market.png</image:loc>
      <image:title>Blog - Don't Overcomplicate Your Portfolio - Make it stand out</image:title>
      <image:caption>Source: The Little Book of Common Sense Investing</image:caption>
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      <image:title>Blog - Don't Overcomplicate Your Portfolio - Make it stand out</image:title>
      <image:caption>Callan Periodic Table of Investment Returns</image:caption>
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    <priority>0.5</priority>
    <lastmod>2022-12-30</lastmod>
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  <url>
    <loc>https://financialtortoise.com/blog/year-end-investor-checklist</loc>
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    <priority>0.5</priority>
    <lastmod>2022-12-23</lastmod>
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  <url>
    <loc>https://financialtortoise.com/blog/be-greedy-when-others-are-fearful</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/636538dee1d8b743121977d8/600a5da3-4baa-4710-aae6-9b55f1de49b1/staying-invested-infographic-2.jpg</image:loc>
      <image:title>Blog - Be Greedy When Others Are Fearful - Make it stand out</image:title>
      <image:caption>Source: JP Morgan Wealth Management, The case for (always) staying invested, February 18, 2022.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/636538dee1d8b743121977d8/a1477f54-a514-479e-822c-9a2da3cce0af/sp-500-historical-chart-data-2022-12-19-macrotrends.png</image:loc>
      <image:title>Blog - Be Greedy When Others Are Fearful - Make it stand out</image:title>
      <image:caption>S&amp;P 500: 1928-Present</image:caption>
    </image:image>
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    <loc>https://financialtortoise.com/blog/5-best-fidelity-funds</loc>
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    <priority>0.5</priority>
    <lastmod>2022-12-20</lastmod>
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      <image:title>Blog - 5 Best Fidelity Funds - Make it stand out</image:title>
      <image:caption>Nikkei 225 Performance (Data: Source)</image:caption>
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    <loc>https://financialtortoise.com/blog/how-to-build-your-3-fund-portfolio</loc>
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    <lastmod>2022-12-20</lastmod>
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      <image:title>Blog - How To Build Your 3-Fund Portfolio - The Simple 3-Fund Portfolio</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/636538dee1d8b743121977d8/18cee6f8-f9d7-4baf-9380-600d3c863ef1/Vanguard+Research+%28100%25+Stock%29.png</image:loc>
      <image:title>Blog - How To Build Your 3-Fund Portfolio - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/636538dee1d8b743121977d8/a6203639-4d50-469f-abef-bb4ee566e584/Vanguard+Research+%28100%25+Bonds%29.png</image:loc>
      <image:title>Blog - How To Build Your 3-Fund Portfolio - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://financialtortoise.com/blog/climbing-the-investment-ladder</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-20</lastmod>
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  <url>
    <loc>https://financialtortoise.com/blog/asset-allocation-what-you-need-to-know</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/636538dee1d8b743121977d8/1fe7efc3-08cd-43e2-99b1-a04cbb882e88/VTSAX+%2810-Years%29.png</image:loc>
      <image:title>Blog - Asset Allocation - What You Need To Know - VTSAX</image:title>
      <image:caption>VTSAX 10-Year (Upward Trend)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/636538dee1d8b743121977d8/e80927db-124f-496c-9844-1329cfa0f7d2/VTSAX+%281-Year%29.png</image:loc>
      <image:title>Blog - Asset Allocation - What You Need To Know - Make it stand out</image:title>
      <image:caption>VTSAX 1-Year (Lots of Ups and Downs)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/636538dee1d8b743121977d8/82a630d9-e787-4072-a780-c5d5aef5c8fa/VLXVX+%28Asset+Allocation%29.png</image:loc>
      <image:title>Blog - Asset Allocation - What You Need To Know - Make it stand out</image:title>
      <image:caption>Vanguard Target Retirement 2065 Fund (VLXVX) Asset Allocation (Oct 2022)</image:caption>
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    <image:image>
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      <image:title>Blog - Asset Allocation - What You Need To Know - Make it stand out</image:title>
      <image:caption>Vanguard Target Retirement 2030 Fund (VTHRX) Asset Allocation (Oct 2022)</image:caption>
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    <image:image>
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      <image:title>Blog - Asset Allocation - What You Need To Know - Make it stand out</image:title>
      <image:caption>Vanguard Target Retirement Income Fund (VTINX) Asset Allocation (Oct 2022)</image:caption>
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  <url>
    <loc>https://financialtortoise.com/blog/vtsax-vs-vfiax</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-20</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/636538dee1d8b743121977d8/c07e6a10-6858-43ce-a5de-b98445cd4273/Callan+Periodic+Table.png</image:loc>
      <image:title>Blog - VTSAX vs VFIAX - The Callan Periodic Table of Investment Returns</image:title>
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  <url>
    <loc>https://financialtortoise.com/blog/be-frugal-not-cheap</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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