<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <url>
    <loc>https://www.herriotfinancial.com/blog</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-30</lastmod>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/how-to-safely-retire-at-55-with-2-million-dollars</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298423934-G83M24OOYB5LGX1PQGID/retire%2Bsafely%2Bat%2B55%2Bon%2B2%2Bmillion%2Bdollars%2Bits%2Beasy.jpg</image:loc>
      <image:title>The Choosy Life Blog - How to Safely Retire at 55 with $2 Million (You&amp;nbsp;Can) - Make it stand out</image:title>
      <image:caption>Be confident in your retirement plan, and you’ll feel great! Photo by Artem Beliaikin on Unsplash</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/marissa-mayer-moment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298432278-K5RIY6LDB16AB5XOWDKJ/TechCrunch_Disrupt_San_Francisco_2019_-_Day_3_Marissa_Mayer_1.jpeg</image:loc>
      <image:title>The Choosy Life Blog - My life view changed in my 40s. I trace it back to Marissa&amp;nbsp;Mayer. - Make it stand out</image:title>
      <image:caption>SAN FRANCISCO, CALIFORNIA — OCTOBER 04: Lumi Labs (now Sunshine) Co-founder Marissa Mayer speaks onstage during TechCrunch Disrupt San Francisco 2019 at Moscone Convention Center on October 04, 2019 in San Francisco, California. Photo by Steve Jennings/Getty Images for TechCrunch. This file is licensed under the Creative Commons Attribution 2.0 Generic license.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298435224-6HS6HF41712QO75Z6RFA/be%2Bnice%2Bor%2Bleave_sunshine%2Babout%2Bpage.PNG</image:loc>
      <image:title>The Choosy Life Blog - My life view changed in my 40s. I trace it back to Marissa&amp;nbsp;Mayer. - Make it stand out</image:title>
      <image:caption>Sunshine’s company culture statement from its About page.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/retirement-risk-zone</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298445518-Y0M5EZWDTTHCD7V2T7MH/almost%2Bjust%2Brecently_quino-al-RAd1nIVB3_Y-unsplash.jpg</image:loc>
      <image:title>The Choosy Life Blog - Are You in the “Almost, Just, Recently” Stage of&amp;nbsp;Life? - Make it stand out</image:title>
      <image:caption>Triathlete running in Málaga, Spain. At Choosy Consultant, I write for those of us in the middle stage of life. Photo by Quino Al on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298448196-1QIJT5TDSACBW07GOZL1/hand%2Bdrawn%2Bgraph%2B1.png</image:loc>
      <image:title>The Choosy Life Blog - Are You in the “Almost, Just, Recently” Stage of&amp;nbsp;Life? - Make it stand out</image:title>
      <image:caption>The “almost, just, recently” stage is based on your financial freedom date.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298450908-V7JEU0BRJNC01TYPB87I/hand%2Bdrawn%2Bgraph%2B2.png</image:loc>
      <image:title>The Choosy Life Blog - Are You in the “Almost, Just, Recently” Stage of&amp;nbsp;Life? - Make it stand out</image:title>
      <image:caption>The market goes up and down. But over many years, it goes nowhere.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298453115-XJGKBDR0J4H10P7U1AJB/hand%2Bdrawn%2Bgraph%2B3.png</image:loc>
      <image:title>The Choosy Life Blog - Are You in the “Almost, Just, Recently” Stage of&amp;nbsp;Life? - Make it stand out</image:title>
      <image:caption>You’re still drawing on your portfolio, so its return is less than 10%.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298454818-BWAM99SFSO1RTEKWLQCI/hand%2Bdrawn%2Bgraph%2B4.png</image:loc>
      <image:title>The Choosy Life Blog - Are You in the “Almost, Just, Recently” Stage of&amp;nbsp;Life? - Make it stand out</image:title>
      <image:caption>Do some part-time or partial-year work to keep your mind and relationships active.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/time-is-why-we-pursue-financial-freedom</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298474468-2EY2PD92AEYX7J4ZQRKR/on%2Btime%2Bwatch%2Bnormal%2Bsize-unsplash.jpg</image:loc>
      <image:title>The Choosy Life Blog - On Time: The Reason We Pursue Financial Freedom - Make it stand out</image:title>
      <image:caption>Photo by Allef Vinicius on Unsplash</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/ten-principles-for-living-a-good-life-financial-freedom</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298503213-XTFTTKSC67HLWBROL0U8/woman%2Bwith%2Bwatch_fuu-j-r2nJPbEYuSQ-unsplash.jpg</image:loc>
      <image:title>The Choosy Life Blog - Ten Principles for Living a Good Life. They’re Unconventional. - Make it stand out</image:title>
      <image:caption>Photo by Fuu J on Unsplash</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/compare-buy-and-hold-to-fast-follow-investing-use-both</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298518578-WXFUKJX7I4J6CEO8EVF9/kalen-emsley-7bwQXzbF6KE-unsplash.jpg</image:loc>
      <image:title>The Choosy Life Blog - Buy &amp;amp; Hold v. Fast Follow Investing? Use&amp;nbsp;Both! - Make it stand out</image:title>
      <image:caption>Photo by Kalen Emsley on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298524019-RFWGYCC93U01KW1163QR/chris-slupski-QLqIqIhMiNs-unsplash.jpg</image:loc>
      <image:title>The Choosy Life Blog - Buy &amp;amp; Hold v. Fast Follow Investing? Use&amp;nbsp;Both! - Make it stand out</image:title>
      <image:caption>We looked like the girl in front. Photo by Chris Slupski on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298526046-9IH2J1MWIG7IY238V9XI/FFI%2Bv%2BB%2526H%2Bupdated%2Btable.PNG</image:loc>
      <image:title>The Choosy Life Blog - Buy &amp;amp; Hold v. Fast Follow Investing? Use&amp;nbsp;Both! - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298529332-70KGXCMPML8C9UG1CGBX/roller%2Bcoaster%2Bupdated.PNG</image:loc>
      <image:title>The Choosy Life Blog - Buy &amp;amp; Hold v. Fast Follow Investing? Use&amp;nbsp;Both! - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298532902-6B37BLZWZQW31RTDRJCC/mountain%2Btrek%2Bupdated.PNG</image:loc>
      <image:title>The Choosy Life Blog - Buy &amp;amp; Hold v. Fast Follow Investing? Use&amp;nbsp;Both! - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/fast-follow-investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298545041-JKKSNK38873ZABRD3OKU/woman%2Bwith%2Bpolaroid%2Bcamera%2Bin%2Bfield.jpg</image:loc>
      <image:title>The Choosy Life Blog - High-Return, Low-Risk Investing is the Holy Grail. Meet Fast Follow Investing. - Make it stand out</image:title>
      <image:caption>Released for sale in 1948, the first Polaroid was an “instant” hit. People lost their minds when they first witnessed the camera. Photo by Megan Ruth on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298547289-WZZBN48M8QIMTW5D987W/markets%2Bare%2Binefficient%2Bchart.png</image:loc>
      <image:title>The Choosy Life Blog - High-Return, Low-Risk Investing is the Holy Grail. Meet Fast Follow Investing. - Make it stand out</image:title>
      <image:caption>But markets crashed in March 2020. How could that be efficient? It doesn’t make sense.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/add-cash-savings-to-your-buy-and-hold-stock-index-funds</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298560903-8FZTLEBQZ5RJB1Z1M8NL/statue%2Bof%2Bdavid%2Bpic.jpg</image:loc>
      <image:title>The Choosy Life Blog - How To Buy &amp;amp; Hold: Add Cash Savings Alongside Your Low-Cost Stock Index&amp;nbsp;Funds - Make it stand out</image:title>
      <image:caption>What is the true story of David and Goliath? Photo by Sean Robertson on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298563275-U180JABKQ00V52EZJ1N8/CAPE%2BForward%2B10-Year%2BReal%2BReturns.png</image:loc>
      <image:title>The Choosy Life Blog - How To Buy &amp;amp; Hold: Add Cash Savings Alongside Your Low-Cost Stock Index&amp;nbsp;Funds - Make it stand out</image:title>
      <image:caption>The cyclically adjusted price-to-earnings ratio (CAPE) is a valuation measure. It is the market price divided by the average of ten years of earnings (moving average), adjusted for inflation.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/we-fear-investment-loss-what-to-do-about-it</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298576337-5E1ASVKOMVF8MDPWNFEV/women%2Bon%2Bbikes%2Bflat%2Bground.jpg</image:loc>
      <image:title>The Choosy Life Blog - We Fear Investment Loss. This Is What To Do About&amp;nbsp;It. - Make it stand out</image:title>
      <image:caption>A big investment loss is like an unexpected, steep hill when biking. It takes more than you think to overcome. Photo by Coen van de Broek on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298578103-OBVAUTY9J9VZALBFALAL/loss%2Basymmetry%2Btable.png</image:loc>
      <image:title>The Choosy Life Blog - We Fear Investment Loss. This Is What To Do About&amp;nbsp;It. - Make it stand out</image:title>
      <image:caption>Loss asymmetry table. Beyond a 25% loss, recovery percentages accelerate.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/four-steps-to-using-money-scripts-for-financial-success</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298591294-KQNGFAI369D29R894NM3/Rewrite%2Byour%2Bmoney%2Bscript%2Band%2Bfinancial%2Bsuccess%2Bstory.jpg</image:loc>
      <image:title>The Choosy Life Blog - 4 Steps to Rewriting Your Money Scripts (and Your Money Success&amp;nbsp;Story) - Make it stand out</image:title>
      <image:caption>Photo by Thought Catalog on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298593246-VK102NNA6LDVVCDJS9LL/sarah%2B1x1%2Bbw.png</image:loc>
      <image:title>The Choosy Life Blog - 4 Steps to Rewriting Your Money Scripts (and Your Money Success&amp;nbsp;Story) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298595440-98LJ423Y0TA49HD9B0T3/ethan%2B1x1%2Bbw.png</image:loc>
      <image:title>The Choosy Life Blog - 4 Steps to Rewriting Your Money Scripts (and Your Money Success&amp;nbsp;Story) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298597233-4WJS7AOBNU7EBEXQEUWH/olivia%2B1x1%2Bbw.png</image:loc>
      <image:title>The Choosy Life Blog - 4 Steps to Rewriting Your Money Scripts (and Your Money Success&amp;nbsp;Story) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298599049-OQ7YTZPW3K5CVMXVP3WM/max%2B1x1%2Bbw.png</image:loc>
      <image:title>The Choosy Life Blog - 4 Steps to Rewriting Your Money Scripts (and Your Money Success&amp;nbsp;Story) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298601165-ECG9WYG4MK5YCKLW20OO/aisha%2B1x1%2Bbw.png</image:loc>
      <image:title>The Choosy Life Blog - 4 Steps to Rewriting Your Money Scripts (and Your Money Success&amp;nbsp;Story) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/stay-at-home-mom-independent-consulting-plan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298611646-OYX67QM59PSX0B6UENDP/consultant%2Bmom%2Bwith%2Byoung%2Bchild.jpg</image:loc>
      <image:title>The Choosy Life Blog - I’m A Stay-At-Home Mom With Dreams Of Consulting Again. Can I Do&amp;nbsp;It? - Make it stand out</image:title>
      <image:caption>Can you be a great consultant and a great mom? Absolutely yes, you can. Here’s one way to do it. Photo by Brian Wangenheim on Unsplash</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/how-to-get-ready-for-mini-semi-retirement-my-recipe</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298621128-ZJSG02VF1XD5C0EODLJJ/mini%2Bretirement%2Brecipe%2Bingredients-unsplash.jpg</image:loc>
      <image:title>The Choosy Life Blog - My Mini-Retirement Recipe: Ignore Your 401(k), Skip That Promotion, and Stir To Combine&amp;nbsp;Well - Make it stand out</image:title>
      <image:caption>The recipe for a successful mini-retirement hinges on two key ingredients. Photo by Jimmy Dean on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298627414-P9Q52XC1VVFRZN0M7T7I/point%2Bb%2Bhomepage.PNG</image:loc>
      <image:title>The Choosy Life Blog - My Mini-Retirement Recipe: Ignore Your 401(k), Skip That Promotion, and Stir To Combine&amp;nbsp;Well - Make it stand out</image:title>
      <image:caption>Photo credit Point B, Inc.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298629558-BR3SVO63PSHA7BPQSKTC/VG%2B10%2Byears%2Bor%2Blonger.PNG</image:loc>
      <image:title>The Choosy Life Blog - My Mini-Retirement Recipe: Ignore Your 401(k), Skip That Promotion, and Stir To Combine&amp;nbsp;Well - Make it stand out</image:title>
      <image:caption>Photo credit The Vanguard Group, Inc.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/how-to-surf-your-way-to-financial-freedom-dont-fire</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298643624-YJ8ORJB5IYVCBCO7R3CQ/surfing2_use%2Bthis%2Bone.jpg</image:loc>
      <image:title>The Choosy Life Blog - Catch a Wave: How to SRFF Your Way to Financial Freedom - Make it stand out</image:title>
      <image:caption>Independent consulting in semi-retirement is a proven path to quicker financial freedom. Photo by Kristin Wilson on Unsplash.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/how-to-charge-more-and-work-less-as-a-consultant</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298653958-9TJ0KVWC4X7AHF8PPLKT/yoga%2Bturn%2Bkaiser%2Bthrive.jpg</image:loc>
      <image:title>The Choosy Life Blog - How To Charge More and Work Less as a Choosy Consultant - Make it stand out</image:title>
      <image:caption>Kaiser Permanente’s Thrive advertising campaign triggers its flywheel. Wellness leads to affordable healthcare. Photo by Dane Wetton on Unsplash.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298657344-U7TI0UQ3PFWHH2CEUDMJ/thrive%2Bcampaign%2B2004.PNG</image:loc>
      <image:title>The Choosy Life Blog - How To Charge More and Work Less as a Choosy Consultant - Make it stand out</image:title>
      <image:caption>Photo credit: Kaiser Permanente</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298659115-HPNQ997WBCUJ10F0T411/Kaiser%2BThrive%2BFlywheel.PNG</image:loc>
      <image:title>The Choosy Life Blog - How To Charge More and Work Less as a Choosy Consultant - Make it stand out</image:title>
      <image:caption>Kaiser Permanente’s Thrive Flywheel</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298660872-M2FEN79KCC3NB7YHQN5H/Choosy%2BConsultant%2BFlywheel.PNG</image:loc>
      <image:title>The Choosy Life Blog - How To Charge More and Work Less as a Choosy Consultant - Make it stand out</image:title>
      <image:caption>The Choosy Consultant Flywheel</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/ten-ways-to-unlock-your-wealth-and-retire-early</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298668885-53S2ADJLCDUT7TL5YNP8/walking%2Bpic.jpg</image:loc>
      <image:title>The Choosy Life Blog - 10 Ways to Unlock Your Wealth and Retire&amp;nbsp;Early - Make it stand out</image:title>
      <image:caption>You can still retire early even if retirement accounts and home equity have tied up your wealth. Photo by Christin Hume on Unsplash.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/best-health-insurance-options-for-independent-consultants</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298677744-3US4L76G2BS2NJMUJF63/healthcare.jpg</image:loc>
      <image:title>The Choosy Life Blog - Today’s 10 Best Health Insurance Options for Independent Consultants - Make it stand out</image:title>
      <image:caption>Today, you have more ways than ever to get health insurance as an independent consultant. Photo by TopSphere Media on Unsplash.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/five-things-to-do-after-a-consultant-gets-laid-off</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298694278-NNDTOT7UXKAVULFG0QD0/dad-and-kid-at-park-choosy-consultant.JPG</image:loc>
      <image:title>The Choosy Life Blog - 5 Things To Do After Getting Laid Off (Beyond Looking For A Job) - Make it stand out</image:title>
      <image:caption>We are rich and complex beings. So, we need a multifaceted solution to move forward during this fragile time. Photo by Matthew Henry on Stocksnap.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/why-we-need-a-neverretire-movement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298727670-YY97D2RR16SA6N6XTPBQ/love%2Byour%2Bwork.jpg</image:loc>
      <image:title>The Choosy Life Blog - Why We Need A #neverretire Movement (It's Not For The Money) - Make it stand out</image:title>
      <image:caption>What is your perfect job? Design it to be so, and then do it forever! Photo by Nick Fewings on Unsplash</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/how-to-fix-my-incomplete-financial-advisor-retirement-plan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298743584-S0QMTP5XKE8CI6NU0RFF/financial%2Bpuzzle%2Bpieces.jpeg</image:loc>
      <image:title>The Choosy Life Blog - 3 Reasons Why My Financial Plan Feels Woefully Incomplete (And How To Fix It) - Make it stand out</image:title>
      <image:caption>Your personal wealth puzzle has many pieces. Fit them all together to live your best life. Photo by Anthony Wade on Unsplash.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tony-bourdain-and-getting-inspired-to-lead-a-bigger-life</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298761183-P4160ZZPLDXDBUIVH6MP/tony-bourdain-roadrunner.jpeg</image:loc>
      <image:title>The Choosy Life Blog - Tony Bourdain And Getting Inspired To Lead A Bigger Life - Make it stand out</image:title>
      <image:caption>Photo credit Focus Features</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Stock+index+funds</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Unretirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/401%28k%29</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Financial+advisor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Money+scripts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Time</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Wealth+planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Return+to+Work</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Health+insurance+plans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Retirement+planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Job+search</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Retire+early</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Personal+finance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Layoffs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Cash+savings</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Stay+at+Home+Mom</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Lifestyle</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Investment+loss</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Living+with+purpose</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Work+less</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Retirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Marissa+Mayer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Trend+Investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Never+retire</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Financial+freedom</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Health+insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Buy+and+Hold</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Mini-retirements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Financial+planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Semi-retirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Fast+Follow+Investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Affordable+Care+Act</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Consulting+services</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Online+calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Travel</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Financial+independence</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Consulting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Charge+more</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Early+retirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Money+beliefs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Consultant</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Tactical+Asset+Allocation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/blog/tag/Meaning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/4dc21bfa-4fc0-4b67-8b8f-2e474aa13f8d/Light%2BObjects%2B1.png</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/about</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-01-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730299421074-PIXMHFUP2LHM5WAFXZ5S/brian-and-izzie-at-wisconsin-cabin.JPG</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2026-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/dde61d6a-57de-4dd8-b26b-dae39f449b97/Colorful+lake+17+scene_small.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/6175ed39-9b3e-4e70-8f10-86d7edee1137/iStock-1167887719.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/9b150172-ade4-495c-9ee6-0ef42b3bd631/Copy+of+beach-resort-choosy-consultant.JPG</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/0d82ac85-d7d6-43f4-a784-d0349d3d3b2a/unsplash-image-w2JtIQQXoRU.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/823ea6d7-3ede-4144-88f0-b0d199e16c5b/090525+PICZ+-+PORTRAITS-3547.JPG</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/280857e7-d0a4-4f6c-9425-bc151cd218f2/ezgif-2238b2d757cb46.gif</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/581de6f4-3ecd-44f4-88b3-2f0ef72a2192/Copy+of+young-business-woman-smiling-choosy-consultant.JPG</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/f30e6cfb-f0ae-4b60-a5b4-792b752cab65/laptop-douro-river-choosy-consultant.png</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/freecoaching</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298299480-3SA8ZA3I3X036C5XZYJX/Podcast%2Bscreen2.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298301326-VHEV6YOT3VRFIFYWW3KB/Podcast%2Bscreen1.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/book</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298332782-9YN4UNO0NRDIVRH2EGN8/quote2b.PNG</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298334188-ONFJFGNVNOZFHAJ4652U/quote1.PNG</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298335555-248WZRRG8TWK4AO7575M/quote3.PNG</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298338925-A7H1ZE3X0LSEKBLAAHDT/brian-and-izzie-at-wisconsin-cabin.JPG</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298332845-KO2OMDLZMO3RBTTI770T/quote7.PNG</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298334135-4WR8UHF6X67V6RMZGULZ/quote5.PNG</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298335506-RII9PHK0VXA6S7ZECS8M/quote6.PNG</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298332713-1HWBUGX2SLMD0DQ4KCIW/quote9.PNG</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298334026-QMXF2HSG1QL6LG6IPN8L/quote8.PNG</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298335433-MY9RT8TCWK74XHH3KT87/quote4.PNG</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298336476-J4G8RGKMAC829KQ11YAC/Podcast%2Bscreen2.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67198af30fc62461a0a1d975/1730298339343-VJ6AZAMCDNSIAZFHMF57/Podcast%2Bscreen1.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.herriotfinancial.com/podcast</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-03-27</lastmod>
  </url>
</urlset>

