<?xml version="1.0" encoding="UTF-8"?>
<!-- generator="wordpress.com" -->
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url><loc>https://retiregenx.com/2017/03/01/my-money-story/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/10/trainingroom-e1509286311817.jpg</image:loc><image:title>TrainingRoom</image:title><image:caption>Training Room</image:caption></image:image><lastmod>2024-11-17T12:55:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/12/05/the-smartest-estate-planning-move-you-can-make-wont-cost-you-a-dime/</loc><lastmod>2024-11-17T12:32:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2020/12/21/do-i-have-to-pay-my-property-tax-when-i-receive-the-notice-in-the-mail/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2020/12/pexels-photo-4386367.jpeg</image:loc><image:title>heap of american money cash and vintage light box</image:title><image:caption>Photo by Karolina Grabowska on &lt;a href="https://www.pexels.com/photo/heap-of-american-money-cash-and-vintage-light-box-4386367/" rel="nofollow"&gt;Pexels.com&lt;/a&gt;</image:caption></image:image><lastmod>2024-10-30T13:01:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2019/06/11/understanding-the-payment-schedule-for-social-security/</loc><lastmod>2019-06-11T20:02:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2019/01/05/how-to-survive-empty-nest-syndrome/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2019/01/rav4_uhaul_5x8_1.jpg</image:loc><image:title>U-Haul trailer behind crossover</image:title><image:caption>Although this is not an actual picture of us moving our daughters off to another state, it's a perfect representation.</image:caption></image:image><lastmod>2019-01-07T19:52:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2018/07/27/updating-your-financial-records-may-be-the-smartest-thing-you-do-today/</loc><lastmod>2018-07-27T20:27:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/about/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2018/01/jamiegriffinblog.jpg</image:loc><image:title>JamieGriffinBlog</image:title></image:image><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2018/01/rockstar-homepage.jpg</image:loc><image:title>Rockstar-homepage</image:title></image:image><lastmod>2018-07-27T19:14:59+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://retiregenx.com/2018/06/26/fda-cleared-smartphone-app-helps-detect-decline-in-vision/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2018/06/mvt-app-eyetest.jpg</image:loc><image:title>mVT-app-eyetest</image:title></image:image><lastmod>2018-06-26T16:56:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2018/05/21/the-risk-in-being-too-safe-with-your-investments/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2018/04/lifecycle-fund-charts.jpg</image:loc><image:title>Lifecycle-fund-charts</image:title><image:caption>Example of how lifecycle funds with a target date are structured.</image:caption></image:image><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2018/02/real-return-formula.gif</image:loc><image:title>Real-return-formula</image:title><image:caption>Real Rate of Return formula</image:caption></image:image><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2018/02/real-return-chart.jpg</image:loc><image:title>Real-return-chart</image:title><image:caption>This chart shows the value of $10,000 invested over time with annual return rates (ARR) of 5%, 8% and 10% and annual inflation of 3%.</image:caption></image:image><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2018/01/inflation-chart.jpg</image:loc><image:title>Inflation-chart</image:title></image:image><lastmod>2018-09-24T12:56:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2018/02/27/estimate-your-retirement-income-and-savings-goal/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2018/02/ss-retirement-estimator-3-1-e1518316574221.jpg</image:loc><image:title>Social Security estimator output</image:title><image:caption>For example purposes only. Your numbers will depend on the personal criteria you enter into the calculator.</image:caption></image:image><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2018/02/ss-retirement-estimator-2-e1518316533787.jpg</image:loc><image:title>Social Security-Retirement-Estimator</image:title><image:caption>Screen shots of required fields you'll need to enter to get an estimate of your future retirement income</image:caption></image:image><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2018/02/ss-retirement-estimator-1-e1518316507684.jpg</image:loc><image:title>Social Security retirement estimator fields</image:title></image:image><lastmod>2025-01-11T22:49:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/02/22/your-privacy/</loc><lastmod>2018-02-17T03:54:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2018/01/22/its-time-to-dream-about-retirement/</loc><lastmod>2018-02-11T02:57:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2018/01/30/federal-tax-cuts-and-jobs-act-of-2017-allows-529-plan-withdrawals-for-k-12-expenses/</loc><lastmod>2018-01-31T19:20:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2018/01/28/4-reasons-to-direct-deposit-your-tax-refund/</loc><lastmod>2018-02-03T11:07:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2018/01/26/do-i-qualify-for-earned-income-tax-credit/</loc><lastmod>2018-01-26T22:01:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/26/how-to-be-sure-your-charitable-donation-is-tax-deductible/</loc><lastmod>2018-01-26T13:24:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/contact/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2016/07/masnick_021717_figure1.png</image:loc><image:title>masnick_021717_figure1</image:title></image:image><lastmod>2018-01-26T13:19:19+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://retiregenx.com/2018/01/09/a-good-sense-of-humor-can-ease-vasectomy-pain/</loc><lastmod>2018-01-25T21:59:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/03/02/what-makes-me-a-retirement-expert/</loc><lastmod>2018-01-22T14:14:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2018/01/07/how-a-401k-or-403b-retirement-plan-loan-can-wreck-your-retirement/</loc><lastmod>2018-01-31T04:07:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/09/15/affiliate-marketing-disclosure/</loc><lastmod>2018-01-10T21:47:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/10/31/should-i-put-money-into-a-roth/</loc><lastmod>2018-01-10T02:11:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/09/18/how-to-eliminate-unwanted-credit-card-offers-easily/</loc><lastmod>2025-02-19T16:41:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/03/13/how-to-get-money-out-of-a-life-insurance-policy-without-dying/</loc><lastmod>2018-01-09T15:52:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/09/explaining-annuities-to-a-caveman/</loc><lastmod>2018-01-03T22:21:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/10/30/what-does-a-booming-stock-market-mean-for-the-average-person/</loc><lastmod>2017-12-22T18:31:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/12/20/has-billy-idol-discovered-the-fountain-of-youth/</loc><lastmod>2017-12-21T06:45:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/12/19/understanding-how-mutual-fund-distributions-may-affect-you/</loc><lastmod>2017-12-20T05:03:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/30/3-must-have-money-books-for-your-gift-list/</loc><lastmod>2017-12-19T23:50:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/12/15/medisafe-app-helps-keep-track-of-medication-timing-and-doses/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/12/pills.jpg</image:loc><image:title>INGMRF-00132619-001</image:title><image:caption>Pills in container</image:caption></image:image><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/12/patient.jpg</image:loc><image:title>IS4094RF-00014510-001</image:title><image:caption>Nurse and patient</image:caption></image:image><lastmod>2017-12-14T03:39:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/12/13/is-bike-sharing-here-to-stay/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/12/social-bikes-dallas.jpg</image:loc><image:title>social-bikes-dallas</image:title><image:caption>Social bikes on sidewalk in Downtown Dallas</image:caption></image:image><lastmod>2017-12-13T22:27:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/12/18/how-to-change-your-name-with-financial-institutions/</loc><lastmod>2020-12-14T16:07:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/12/11/what-every-investor-should-know-about-window-dressing/</loc><lastmod>2017-12-11T19:12:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/12/10/why-you-need-to-plan-on-being-self-employed/</loc><lastmod>2017-12-10T14:22:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/12/07/why-consolidating-may-be-the-best-way-to-diversify/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/12/spiral-patio.jpg</image:loc><image:title>Spiral-patio</image:title></image:image><lastmod>2017-12-04T00:11:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/12/03/can-phil-collins-make-a-comeback/</loc><lastmod>2017-12-03T16:01:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/10/social-security-normal-retirement-age-to-edge-higher-for-gen-x/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/stairs-up.jpg</image:loc><image:title>INGMRF-00029763-001</image:title><image:caption>-</image:caption></image:image><lastmod>2017-12-01T16:33:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/07/keeping-up-with-the-dow-jones/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/dow-nov-1972.jpg</image:loc><image:title>Dow-Nov 1972</image:title></image:image><lastmod>2017-11-30T21:17:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/02/22/how-to-avoid-income-taxes-like-a-trump/</loc><lastmod>2017-11-29T19:57:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/28/my-experience-with-a-dave-ramsey-endorsed-local-provider/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/microphone.jpg</image:loc><image:title>microphone</image:title></image:image><lastmod>2018-05-27T09:49:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/23/how-do-you-get-through-the-holidays-when-youre-missing-someone/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/beach-silhouette.jpg</image:loc><image:title>ROCHRF-00002804-001</image:title></image:image><lastmod>2017-11-23T17:32:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/08/hey-gen-x-where-do-you-want-to-live-in-retirement/</loc><lastmod>2017-11-23T03:56:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/25/why-money-market-investors-have-swagger/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/swagger.jpg</image:loc><image:title>MOBURF-00004295-001</image:title><image:caption>Three businesspeople standing outdoors by building</image:caption></image:image><lastmod>2017-11-25T23:36:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/28/kinder-gentler-irs-making-things-easier-for-small-business-owners/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/irs-small-business-page.jpg</image:loc><image:title>IRS-small-business-page</image:title><image:caption>Screen shot of IRS Small Business and Self-employed Tax Center</image:caption></image:image><lastmod>2017-11-23T00:31:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/10/27/should-i-join-aarp/</loc><lastmod>2017-11-22T23:55:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/22/is-it-okay-for-stores-to-be-open-on-thanksgiving-and-christmas/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/mall-sale-sign-e1511393436161.jpg</image:loc><image:title>81A-00001665-001</image:title></image:image><lastmod>2017-11-27T21:28:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/22/renters-insurance-covers-more-than-you-might-expect/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/donnas-house-hurricane-harvey-e1511382048494.jpg</image:loc><image:title>Donnas-house-hurricane-harvey</image:title><image:caption>My sister's Rockport, TX home fared much better than many when Hurricane Harvey hit in 2017. She didn't appreciate my quip about being upgraded to lakefront property.</image:caption></image:image><lastmod>2017-11-22T20:35:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/20/tax-cuts-will-benefit-majority-of-americans/</loc><lastmod>2017-11-21T03:42:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/20/retirement-savings-credit-available-for-low-to-moderate-income-earners/</loc><lastmod>2017-11-20T13:09:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/18/why-are-we-still-in-love-with-the-80s/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/df4fd-wallpapper-778185_1280.png</image:loc><image:title>df4fd-wallpapper-778185_1280</image:title></image:image><lastmod>2017-11-18T15:11:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/16/why-some-people-are-thrilled-to-have-losing-investments/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/stock-chart.jpg</image:loc><image:title>Stock chart</image:title></image:image><lastmod>2017-11-17T04:43:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/17/understanding-the-difference-between-medicare-and-medicaid/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/doctor-clipboard.jpg</image:loc><image:title>Doctor with clipboard</image:title></image:image><lastmod>2017-11-16T23:41:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/16/5-facts-about-charitable-contributions/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/tax-form-1040.jpg</image:loc><image:title>IS4094RF-00002538-001</image:title><image:caption>IRS tax form 1040</image:caption></image:image><lastmod>2017-11-15T21:30:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/15/3-things-every-author-can-learn-from-walter-swan/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/howtobeabetterme.jpg</image:loc><image:title>howtobeabetterme</image:title><image:caption>How to be a Better Me, self-published by Walter Swan</image:caption></image:image><lastmod>2023-10-11T20:12:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/15/read-this-before-you-spend-another-dime-on-road-hazard-insurance/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/flat-tire.jpg</image:loc><image:title>81ASDE-00000030-001</image:title><image:caption>Flat tire</image:caption></image:image><lastmod>2017-11-15T14:11:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/08/social-security-compassionate-allowances-program-speeds-up-help-for-severely-disabled/</loc><lastmod>2017-11-14T13:04:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/10/31/these-three-words-will-save-you-a-ton-of-money/</loc><lastmod>2017-11-10T02:31:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/03/the-market-will-fluctuate/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/history_of_market_corrections2-hires.png</image:loc><image:title>history_of_market_corrections2-hires</image:title><image:caption>Image by Chris Kacher, managing director of MoKa Investors, as published on Marketwatch.com August 31, 2017. </image:caption></image:image><lastmod>2017-11-10T02:31:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/07/5-keys-to-writing-craigslist-ads-that-sell/</loc><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/craigslist-home.jpg</image:loc><image:title>Craigslist-home</image:title></image:image><image:image><image:loc>https://retiregenx.com/wp-content/uploads/2017/11/craigslist-ad-jeep-flares.jpg</image:loc><image:title>Craigslist-ad-Jeep-flares</image:title></image:image><lastmod>2017-11-07T12:57:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/01/at-what-age-would-you-like-to-retire/</loc><lastmod>2017-11-06T12:51:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/10/02/what-will-be-your-greatest-source-of-income-in-retirement/</loc><lastmod>2017-11-06T12:47:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/11/06/will-you-relocate-after-you-retire/</loc><lastmod>2017-11-06T12:44:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/10/16/do-you-plan-to-work-in-retirement/</loc><lastmod>2017-11-06T12:44:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/03/09/do-i-need-a-passport-to-travel-outside-the-united-states/</loc><lastmod>2017-10-30T23:27:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/10/14/how-is-social-securtiy-cost-of-living-adjustment-cola-determined/</loc><lastmod>2017-10-22T15:08:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/09/26/two-college-tax-credits-you-need-to-know-about/</loc><lastmod>2017-10-14T18:30:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2017/03/10/irs-simplifies-filing-extended-tax-returns-with-wage-and-income-transcript/</loc><lastmod>2017-03-14T02:57:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com/2016/07/13/am-i-smart-enough-to-retire/</loc><lastmod>2017-03-13T22:15:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retiregenx.com</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2025-02-19T16:41:56+00:00</lastmod></url></urlset>
