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  <!-- ===== Core / high-priority pages ===== -->
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    <lastmod>2026-04-01</lastmod>
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    <image:image>
      <image:loc>https://wealthspreads.com/images/opengraph.jpg</image:loc>
      <image:title>Wealth Spreads™ — Financial Literacy for Every Life Stage</image:title>
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    <lastmod>2026-04-01</lastmod>
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  <url>
    <loc>https://wealthspreads.com/calculators</loc>
    <lastmod>2026-04-01</lastmod>
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  <url>
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    <lastmod>2026-04-01</lastmod>
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  <url>
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    <lastmod>2026-04-01</lastmod>
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  <url>
    <loc>https://wealthspreads.com/dashboard</loc>
    <lastmod>2026-04-01</lastmod>
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  <url>
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    <lastmod>2026-04-01</lastmod>
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  <url>
    <loc>https://wealthspreads.com/contact</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.50</priority>
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  <!-- ===== Learning modules — Banking ===== -->
  <url>
    <loc>https://wealthspreads.com/modules/banking-basics</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/teen-first-bank-account</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/teen-debit-vs-credit</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/understanding-paycheck</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/fraud-protection</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- ===== Learning modules — Savings ===== -->
  <url>
    <loc>https://wealthspreads.com/modules/savings-101</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/emergency-fund</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/teen-first-1000</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/teen-allowance-budget</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/hsa-fsa</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/giving-charitable</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- ===== Learning modules — Investing ===== -->
  <url>
    <loc>https://wealthspreads.com/modules/investing-intro</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/compound-interest</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/stock-market-explained</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/index-funds-etfs</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/asset-classes-investing</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/teen-what-is-investing</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/roth-ira-deep-dive</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/ya-roth-ira</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ===== Learning modules — Budgeting ===== -->
  <url>
    <loc>https://wealthspreads.com/modules/budgeting-basics</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/financial-planning</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/marriage-money</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/economics-deflation</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- ===== Learning modules — Credit ===== -->
  <url>
    <loc>https://wealthspreads.com/modules/credit-scores</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/credit-report</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/ya-building-credit</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/ya-debt-payoff</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/buying-a-car</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/rent-vs-buy</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- ===== Learning modules — Taxes ===== -->
  <url>
    <loc>https://wealthspreads.com/modules/first-job-finances</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://wealthspreads.com/modules/filing-taxes</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/salary-negotiation</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/ya-salary-negotiation</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/par-529-strategy</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/entrepreneurship-basics</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/teen-side-hustles</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/teen-college-money</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/student-loans</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/ya-first-apartment</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- ===== Learning modules — Crypto ===== -->
  <url>
    <loc>https://wealthspreads.com/modules/emerging-tech-crypto</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/crypto-basics</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/crypto-advanced</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/crypto-bitcoin-origin</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/crypto-tokenization</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/crypto-stablecoins</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/crypto-security</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/teen-crypto-101</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- ===== Learning modules — Insurance ===== -->
  <url>
    <loc>https://wealthspreads.com/modules/insurance-basics</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/life-insurance</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/disability-and-protection</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/property-insurance</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- ===== Learning modules — Legal / Estate ===== -->
  <url>
    <loc>https://wealthspreads.com/modules/legal-tools-families</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/wills-and-estates</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/par-estate-planning</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/par-generational-wealth</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/par-teaching-kids-money</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- ===== Learning modules — Retirement ===== -->
  <url>
    <loc>https://wealthspreads.com/modules/retirement-planning</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/retirement-fundamentals</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/par-retirement-roadmap</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/social-security-guide</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/medicare-retirement-health</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://wealthspreads.com/modules/retirement-income-strategies</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- ===== Legal ===== -->
  <url>
    <loc>https://wealthspreads.com/terms</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.20</priority>
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  <url>
    <loc>https://wealthspreads.com/privacy</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.20</priority>
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