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  <!-- ═══ Core Pages ═══ -->
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    <lastmod>2025-05-10</lastmod>
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    <lastmod>2025-05-10</lastmod>
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  <!-- ═══ Blog Hub ═══ -->
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    <lastmod>2025-05-10</lastmod>
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  <url>
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    <lastmod>2025-05-10</lastmod>
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  <url>
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    <lastmod>2025-05-10</lastmod>
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  <!-- ═══ Original Blog Articles ═══ -->
  <url>
    <loc>https://shouldiquitnow.com/blog/when-can-i-retire.html</loc>
    <lastmod>2025-05-10</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-05-10</lastmod>
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  <!-- ═══ New FI-First Articles ═══ -->
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    <lastmod>2025-05-10</lastmod>
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  <url>
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    <lastmod>2025-05-10</lastmod>
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    <lastmod>2025-05-10</lastmod>
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    <lastmod>2025-05-10</lastmod>
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  <url>
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    <lastmod>2025-05-10</lastmod>
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    <priority>0.90</priority>
  </url>

  <!-- ═══ Phase 5B — Tier-1 Long-Tail Articles (15 articles) ═══ -->
  <url>
    <loc>https://shouldiquitnow.com/blog/can-i-retire-at-45.html</loc>
    <lastmod>2025-05-11</lastmod>
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    <lastmod>2025-05-11</lastmod>
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    <lastmod>2025-05-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
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  <url>
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    <lastmod>2025-05-11</lastmod>
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    <priority>0.90</priority>
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    <lastmod>2025-05-11</lastmod>
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    <priority>0.90</priority>
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  <url>
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    <lastmod>2025-05-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
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  <url>
    <loc>https://shouldiquitnow.com/blog/how-much-to-retire-at-60.html</loc>
    <lastmod>2025-05-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
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    <lastmod>2025-05-11</lastmod>
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    <lastmod>2025-05-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
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  <url>
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    <lastmod>2025-05-11</lastmod>
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    <lastmod>2025-05-11</lastmod>
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    <priority>0.90</priority>
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  <!-- ═══ Phase 7 — 10 Additional Articles ═══ -->
  <url>
    <loc>https://shouldiquitnow.com/blog/retire-early-at-50.html</loc>
    <lastmod>2026-05-11</lastmod>
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    <lastmod>2026-05-11</lastmod>
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    <priority>0.90</priority>
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  <url>
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    <lastmod>2026-05-11</lastmod>
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    <priority>0.90</priority>
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  <url>
    <loc>https://shouldiquitnow.com/blog/barista-fire-guide.html</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
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  <url>
    <loc>https://shouldiquitnow.com/blog/savings-rate-early-retirement.html</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
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  <url>
    <loc>https://shouldiquitnow.com/blog/retire-at-55.html</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
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  <url>
    <loc>https://shouldiquitnow.com/blog/geographic-arbitrage.html</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
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  <url>
    <loc>https://shouldiquitnow.com/blog/financial-independence-vs-retirement.html</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
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