<?xml version="1.0" encoding="UTF-8"?>
<!--
  Two entries, and the reason there are not fourteen: the app is a hash router,
  so #/overview, #/rmd and the rest are fragments of this same document —
  crawlers discard the fragment, and listing them here would submit duplicate
  URLs for a single page.

  /how-it-works/ is the exception because it is not a fragment. The build
  renders src/components/tabs/HowItWorksArticle.tsx into a real HTML file at
  dist/how-it-works/index.html (see src/prerender/renderPages.ts), so there is
  a genuine second URL with genuine content behind it. Anything else added here
  must clear the same bar: its own path, complete markup without JavaScript.
  src/prerender/sitemap.test.ts fails if this file and the prerendered routes
  stop agreeing.

  The blog at /blog has real, separate URLs, but they belong in its own
  jekyll-sitemap output, not here — public/robots.txt advertises both.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://retirementmodeler.com/</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://retirementmodeler.com/how-it-works/</loc>
    <lastmod>2026-09-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
</urlset>
