<?xml version="1.0" encoding="UTF-8"?>
<!--
  Every <loc> must carry a trailing slash. nginx redirects the slashless form
  (`rewrite ^([^.]*[^/])$ $1/ permanent`, nginx/default.conf), so a slashless entry
  submits a 301 rather than a page - which Search Console reports as "page with
  redirect / not indexed" (#175). Trailing slash is the canonical form everywhere
  else too: it is what updateMetaTags() writes into rel=canonical, since that reads
  window.location.href after the redirect has landed.

  lastmod tracks the last commit to each route's page component under
  frontend/src/pages. That is a proxy - shared components and data can change a
  page without touching its component - but it is a truthful lower bound, unlike a
  uniform hand-entered date, which is what these were before.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Home/Calculator Page - Highest priority -->
  <url>
    <loc>https://saferetirementspending.com/</loc>
    <lastmod>2026-07-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Main Content Pages -->
  <url>
    <loc>https://saferetirementspending.com/about/</loc>
    <lastmod>2025-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://saferetirementspending.com/methodology/</loc>
    <lastmod>2025-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://saferetirementspending.com/guide/</loc>
    <lastmod>2025-08-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://saferetirementspending.com/contact/</loc>
    <lastmod>2025-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Legal/Policy Pages -->
  <url>
    <loc>https://saferetirementspending.com/disclaimers/</loc>
    <lastmod>2025-06-15</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://saferetirementspending.com/privacy/</loc>
    <lastmod>2025-06-15</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://saferetirementspending.com/terms/</loc>
    <lastmod>2025-06-15</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
