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  <!-- Home -->
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    <loc>https://finforfam.ca/</loc>
    <priority>1.0</priority>
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  <!-- Core sections -->
  <url>
    <loc>https://finforfam.ca/homes</loc>
    <priority>0.9</priority>
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  <url>
    <loc>https://finforfam.ca/investing</loc>
    <priority>0.9</priority>
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  <url>
    <loc>https://finforfam.ca/personal-finance</loc>
    <priority>0.9</priority>
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  <url>
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  <url>
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    <priority>0.9</priority>
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  <url>
    <loc>https://finforfam.ca/your-plan</loc>
    <priority>0.8</priority>
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  <!-- Tools: Mortgage -->
  <url>
    <loc>https://finforfam.ca/tools/mortgage-readiness</loc>
    <priority>0.8</priority>
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  <url>
    <loc>https://finforfam.ca/tools/mortgage-payment</loc>
    <priority>0.8</priority>
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  <url>
    <loc>https://finforfam.ca/tools/mortgage-prepayment</loc>
    <priority>0.8</priority>
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  <url>
    <loc>https://finforfam.ca/tools/mortgage-renewal</loc>
    <priority>0.8</priority>
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  <url>
    <loc>https://finforfam.ca/tools/mortgage-vs-investing</loc>
    <priority>0.8</priority>
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  <!-- Tools: Investing -->
  <url>
    <loc>https://finforfam.ca/tools/resp</loc>
    <priority>0.75</priority>
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  <url>
    <loc>https://finforfam.ca/tools/rrsp</loc>
    <priority>0.75</priority>
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  <url>
    <loc>https://finforfam.ca/tools/tfsa</loc>
    <priority>0.75</priority>
  </url>

  <!-- Tools: Planning -->
  <url>
    <loc>https://finforfam.ca/tools/budget-planner</loc>
    <priority>0.75</priority>
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  <url>
    <loc>https://finforfam.ca/tools/debt-planner</loc>
    <priority>0.75</priority>
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  <!-- Learn: Education -->
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    <priority>0.7</priority>
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  <url>
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  <url>
    <loc>https://finforfam.ca/learn/education/resp-grants</loc>
    <priority>0.7</priority>
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  <!-- Learn: Investing -->
  <url>
    <loc>https://finforfam.ca/learn/investing/realistic-returns</loc>
    <priority>0.7</priority>
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  <url>
    <loc>https://finforfam.ca/learn/investing/understanding-investment-risk</loc>
    <priority>0.7</priority>
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  <url>
    <loc>https://finforfam.ca/learn/investing/time-horizon-and-compounding</loc>
    <priority>0.7</priority>
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  <url>
    <loc>https://finforfam.ca/learn/investing/rrsp-basics</loc>
    <priority>0.7</priority>
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  <url>
    <loc>https://finforfam.ca/learn/investing/tfsa-basics</loc>
    <priority>0.7</priority>
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  <url>
    <loc>https://finforfam.ca/learn/investing/rrsp-vs-tfsa</loc>
    <priority>0.7</priority>
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  <url>
    <loc>https://finforfam.ca/learn/investing/rrsp-tfsa-vs-mortgage</loc>
    <priority>0.7</priority>
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  <!-- Learn: Mortgages -->
  <url>
    <loc>https://finforfam.ca/learn/mortgages/mortgage-basics</loc>
    <priority>0.7</priority>
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  <url>
    <loc>https://finforfam.ca/learn/mortgages/mortgage-renewal</loc>
    <priority>0.7</priority>
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  <url>
    <loc>https://finforfam.ca/learn/mortgages/fixed-vs-variable</loc>
    <priority>0.7</priority>
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  <url>
    <loc>https://finforfam.ca/learn/mortgages/amortization-vs-term</loc>
    <priority>0.7</priority>
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  <url>
    <loc>https://finforfam.ca/learn/mortgages/mortgage-vs-investing</loc>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://finforfam.ca/learn/mortgages/true-cost-homeownership</loc>
    <priority>0.7</priority>
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  <!-- Learn: Planning -->
  <url>
    <loc>https://finforfam.ca/learn/planning/emergency-fund</loc>
    <priority>0.65</priority>
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  <url>
    <loc>https://finforfam.ca/learn/planning/emergency-fund-steps</loc>
    <priority>0.65</priority>
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  <url>
    <loc>https://finforfam.ca/learn/planning/how-to-budget</loc>
    <priority>0.65</priority>
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  <url>
    <loc>https://finforfam.ca/learn/planning/cash-flow-vs-income</loc>
    <priority>0.65</priority>
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  <url>
    <loc>https://finforfam.ca/learn/planning/debt-strategies</loc>
    <priority>0.65</priority>
  </url>

  <url>
    <loc>https://finforfam.ca/learn/planning/irregular-expense-planning</loc>
    <priority>0.65</priority>
  </url>

  <url>
    <loc>https://finforfam.ca/learn/planning/surplus-strategy</loc>
    <priority>0.65</priority>
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  <!-- Legal -->
  <url>
    <loc>https://finforfam.ca/disclaimer</loc>
    <priority>0.4</priority>
  </url>

  <url>
    <loc>https://finforfam.ca/methodology</loc>
    <priority>0.4</priority>
  </url>

   <url>
    <loc>https://finforfam.ca/privacy</loc>
    <priority>0.60</priority>
  </url>

  <url>
    <loc>https://finforfam.ca/terms</loc>
    <priority>0.60</priority>
  </url>

  <url>
    <loc>https://finforfam.ca/disclosure</loc>
    <priority>0.60</priority>
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  <!-- Core utility pages -->
  <url>
    <loc>https://finforfam.ca/about</loc>
    <priority>0.60</priority>
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  <url>
    <loc>https://finforfam.ca/contact</loc>
    <priority>0.60</priority>
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  <url>
    <loc>https://finforfam.ca/dashboard</loc>
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