<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Main Calculator (Homepage) -->
  <url>
    <loc>https://crankyearl.com/</loc>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Root Pages -->
  <url>
    <loc>https://crankyearl.com/contact.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://crankyearl.com/monte_carlo.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog Index -->
  <url>
    <loc>https://crankyearl.com/blog/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Blog Posts -->
  <url>
    <loc>https://crankyearl.com/blog/about.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://crankyearl.com/blog/why-i-built-this-calculator.html</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://crankyearl.com/blog/withdrawal-order-post.html</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://crankyearl.com/blog/can-i-retire-early.html</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://crankyearl.com/blog/social-security-timing.html</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://crankyearl.com/blog/retirement-glossary.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

</urlset>
