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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-savings/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fees-associated-self-directed-ira-vs-advisor-directed-ira/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/healthcare-enrollment-son-reaches-age-26/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/best-credit-debit-card-international-travel/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/01-24-bohannon-show-appearance-re-stocks/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cryptocurrency/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-brightstart-grandson/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/combining-two-separate-revocable-trusts-one-name/</loc>
		<lastmod>2018-01-31T00:00:00+00:00</lastmod>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/near-retirement-roth-traditional-ira/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-return/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-rollover-70yrs-age/</loc>
		<lastmod>2018-02-01T00:00:00+00:00</lastmod>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401-rebalance-sugestion-bohannon-radio-show/</loc>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/regular-40lk-roth-40lk/</loc>
		<lastmod>2018-02-02T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/transferring-stock-account/</loc>
		<lastmod>2018-02-02T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/home-equity-line-credit-deduction-lost/</loc>
		<lastmod>2018-02-03T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/estate-tax-resident-aliens/</loc>
		<lastmod>2018-02-04T00:00:00+00:00</lastmod>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-decision-2/</loc>
		<lastmod>2018-02-05T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-ce-matures/</loc>
		<lastmod>2018-02-12T00:00:00+00:00</lastmod>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/1000-point-drop-market/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/sites-student-loans/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-investment-getting-nervous/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-insurance-premium-increase-help/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/can-earn-money-market-account/</loc>
		<lastmod>2018-02-15T00:00:00+00:00</lastmod>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-planner-retiring-federal-employee/</loc>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bankruptcy-2/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/early-withdrawal-55-no-penalty-40lk/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cleaning-my-credit/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/capital-gains-sale-home/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/leaving-to-your-children/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-conversion-recharacterization/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/over-insured/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bright-start-deduction-carryover/</loc>
		<lastmod>2018-02-26T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cant-use-illinois-bright-start-high-school/</loc>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retire-55-rules/</loc>
		<lastmod>2018-02-27T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fiduciary-rule/</loc>
		<lastmod>2018-02-27T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-reports/</loc>
		<lastmod>2018-02-27T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fixed-indexed-annuities/</loc>
		<lastmod>2018-02-27T00:00:00+00:00</lastmod>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/divorce-property/</loc>
		<lastmod>2018-02-28T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/illinois-college-savings-program/</loc>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/required-minimum-distribution-stocks-sell/</loc>
		<lastmod>2018-03-01T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-ira-child/</loc>
		<lastmod>2018-03-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/find-fee-financial-advisor/</loc>
		<lastmod>2018-03-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/need-discount-broker/</loc>
		<lastmod>2018-03-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-age-55/</loc>
		<lastmod>2018-03-03T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loans-scholarships/</loc>
		<lastmod>2018-03-07T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/home-equity-interest-deductions/</loc>
		<lastmod>2018-03-07T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-supplement-expensive/</loc>
		<lastmod>2018-03-07T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmd-5/</loc>
		<lastmod>2018-03-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-to-do-with-inherited-stocks/</loc>
		<lastmod>2018-03-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fixed-annuity-40lk/</loc>
		<lastmod>2018-03-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-savings-plan-question/</loc>
		<lastmod>2018-03-18T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mutual-funds-stocks-annuity/</loc>
		<lastmod>2018-03-18T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fired-job-age-55-end-year-fired/</loc>
		<lastmod>2018-03-18T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-younger-husband-disability-question/</loc>
		<lastmod>2018-03-19T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investments-protected-creditors/</loc>
		<lastmod>2018-03-19T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-overview/</loc>
		<lastmod>2018-03-19T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/free-safe-credit-report/</loc>
		<lastmod>2018-03-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-reform/</loc>
		<lastmod>2018-03-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/equity-line-deductibility-2018/</loc>
		<lastmod>2018-03-21T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/robo-advisors-fee-comparison/</loc>
		<lastmod>2018-03-21T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/place-safe-money-max-return-retirement-acct/</loc>
		<lastmod>2018-03-22T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/balancing-retirement-medium-term-savings-goals/</loc>
		<lastmod>2018-03-22T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/2018-social-security-taxes/</loc>
		<lastmod>2018-03-23T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/dependency-exemption-2017/</loc>
		<lastmod>2018-03-23T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/heloc-4/</loc>
		<lastmod>2018-03-24T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ibonds-good-inflation-protection/</loc>
		<lastmod>2018-03-25T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/2018-standard-deduction-roth-ira/</loc>
		<lastmod>2018-03-25T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/espp-account-transfer-roth-ira/</loc>
		<lastmod>2018-03-26T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/will-daughter-immigrant-no-green-card-eligible-federal-student-loans/</loc>
		<lastmod>2018-03-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-standard-deduction-2018-taxes/</loc>
		<lastmod>2018-03-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/advisor-fees-find/</loc>
		<lastmod>2018-03-30T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-exemption-seniors/</loc>
		<lastmod>2018-04-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-plan-illinois/</loc>
		<lastmod>2018-04-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bonds-still-not-good-deal/</loc>
		<lastmod>2018-04-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/checkbook-register-apps/</loc>
		<lastmod>2018-04-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/dcsd-debt-council-seniors/</loc>
		<lastmod>2018-04-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-insurance-16/</loc>
		<lastmod>2018-04-03T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/basic-ira-double-taxed/</loc>
		<lastmod>2018-04-12T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/nationwide-new-heights-uncapped-index-annuity-mozaic-zebra-indexes/</loc>
		<lastmod>2018-04-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tampa-bay-times-ae-still-published/</loc>
		<lastmod>2018-04-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/forms-complete-children-financial-information-included/</loc>
		<lastmod>2018-04-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pension-lump-sum-monthly-payments/</loc>
		<lastmod>2018-04-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/68-year-old-retired-mom-investments/</loc>
		<lastmod>2018-04-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/employment-related-identity-theft-notice/</loc>
		<lastmod>2018-04-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/moving-ira/</loc>
		<lastmod>2018-04-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/invest-pay-toward-mortgage/</loc>
		<lastmod>2018-04-17T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/heloc-interest-deductible/</loc>
		<lastmod>2018-04-18T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-savings-plan-vs-education-ira/</loc>
		<lastmod>2018-04-19T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/school-loans-life-general-think/</loc>
		<lastmod>2018-04-20T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/property-tax-deduction-2-family-home/</loc>
		<lastmod>2018-04-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annuities-6/</loc>
		<lastmod>2018-04-27T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-ira-withdrawals/</loc>
		<lastmod>2018-04-27T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/money-market-accounts/</loc>
		<lastmod>2018-04-27T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/variable-annuity-conversion-roth/</loc>
		<lastmod>2018-04-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/managed-funds/</loc>
		<lastmod>2018-04-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/gov-treasury-bills-yield/</loc>
		<lastmod>2018-04-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/purchasing-municipal-bonds/</loc>
		<lastmod>2018-05-09T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/huge-fraud-warned/</loc>
		<lastmod>2018-05-09T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-organizer-5/</loc>
		<lastmod>2018-05-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/elderly-abuse-book-mentioned/</loc>
		<lastmod>2018-05-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annuity-fund/</loc>
		<lastmod>2018-05-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taking-money-retirement-account/</loc>
		<lastmod>2018-05-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taking-lump-sum-pension-plan/</loc>
		<lastmod>2018-05-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/spousal-roth-ira/</loc>
		<lastmod>2018-05-12T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-4-year-commitment/</loc>
		<lastmod>2018-05-12T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-100k-inheritance/</loc>
		<lastmod>2018-05-12T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/merrill-lynch-merrill-edge-cd-vs-tbills/</loc>
		<lastmod>2018-05-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/personal-financial-inventory/</loc>
		<lastmod>2018-05-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ladder-treasury-bills/</loc>
		<lastmod>2018-05-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-off-parents-plus-loan-selling-house/</loc>
		<lastmod>2018-05-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/buy-treasury-bills-revocable-living-trust/</loc>
		<lastmod>2018-05-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/scholarships-and-grants/</loc>
		<lastmod>2018-05-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/younger-single-person-invest-money/</loc>
		<lastmod>2018-05-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/savings-2/</loc>
		<lastmod>2018-05-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/property-tax-assessments-assessed-value-went-lot-no-comps/</loc>
		<lastmod>2018-05-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pay-off-mortgage-invest/</loc>
		<lastmod>2018-05-18T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/value-old-att-shares-found/</loc>
		<lastmod>2018-05-18T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/helping-daughter-save-plan-buy-house/</loc>
		<lastmod>2018-05-18T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retroactive-exemption/</loc>
		<lastmod>2018-05-18T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/trading-thrift-savings-plan/</loc>
		<lastmod>2018-05-19T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/gift-young-adults/</loc>
		<lastmod>2018-05-19T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-gift-grandson/</loc>
		<lastmod>2018-05-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/allowance-investments-for-young-child/</loc>
		<lastmod>2018-06-12T10:55:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/workers-comp-settlement-what-to-do/</loc>
		<lastmod>2018-06-12T10:58:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/6-month-treasury-bills/</loc>
		<lastmod>2018-06-12T11:00:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-debt-consolidation/</loc>
		<lastmod>2018-06-12T11:03:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-free-gift-amount/</loc>
		<lastmod>2018-06-12T11:06:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/best-credit-card-for-a-new-college-grad/</loc>
		<lastmod>2018-06-12T11:08:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bond-capital-gains-and-losses/</loc>
		<lastmod>2018-06-12T11:11:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/problem-signing-up-for-newsletter/</loc>
		<lastmod>2018-06-14T11:49:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/sister-no-beneficiaries-on-ira/</loc>
		<lastmod>2018-06-14T11:52:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-freeze-2/</loc>
		<lastmod>2018-06-14T11:54:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/family-loan/</loc>
		<lastmod>2018-06-14T11:57:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-id-number/</loc>
		<lastmod>2018-06-14T22:01:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/u-s-treasury/</loc>
		<lastmod>2018-06-17T00:50:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/late-on-property-taxes/</loc>
		<lastmod>2018-06-17T00:56:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/spike-in-premiums-for-long-term-insurance-policies/</loc>
		<lastmod>2018-06-19T00:57:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-debt-consolidation-2/</loc>
		<lastmod>2018-06-18T01:00:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-4/</loc>
		<lastmod>2018-06-19T01:04:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-planner-wants-everything/</loc>
		<lastmod>2018-06-19T07:27:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/online-savings-account-at-discover/</loc>
		<lastmod>2018-06-17T01:21:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/grandparents-opening-529-plans-for-grandchildren/</loc>
		<lastmod>2018-06-20T01:22:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/hsa-contributions/</loc>
		<lastmod>2018-06-20T01:27:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-10/</loc>
		<lastmod>2018-06-21T01:32:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-6/</loc>
		<lastmod>2018-06-21T01:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/must-choose-type-of-annuity-plan/</loc>
		<lastmod>2018-06-20T01:41:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-5/</loc>
		<lastmod>2018-06-21T01:46:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/property-tax/</loc>
		<lastmod>2018-06-18T01:51:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/600k-check-on-kitchen-table/</loc>
		<lastmod>2018-06-20T00:18:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/nursing-school-loans/</loc>
		<lastmod>2018-06-30T11:43:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/car-loan/</loc>
		<lastmod>2018-06-30T11:53:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-off-a-home-equity-line-of-credit/</loc>
		<lastmod>2018-06-30T12:07:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/difference-between-financial-advisors-money-managers-cfps-etc/</loc>
		<lastmod>2018-06-30T12:17:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/best-federal-retirement-date-for-fers-employee/</loc>
		<lastmod>2018-07-02T12:18:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/buying-a-condo/</loc>
		<lastmod>2018-07-01T12:35:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/edward-jones/</loc>
		<lastmod>2018-07-01T12:44:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/state-income-taxes-paid-in-error/</loc>
		<lastmod>2018-07-03T14:42:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-funds-for-grandchildren/</loc>
		<lastmod>2018-07-03T14:47:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-benefit-for-girlfriend/</loc>
		<lastmod>2018-07-03T14:52:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-withdrawal-for-buried-in-debt-situation/</loc>
		<lastmod>2018-07-03T14:58:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-t-bills-work/</loc>
		<lastmod>2018-07-04T14:58:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/certificate-of-deposit-missing/</loc>
		<lastmod>2018-07-09T18:06:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/assighnment-of-advisory-agreement/</loc>
		<lastmod>2018-07-09T18:09:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investments-40lk-or-roth/</loc>
		<lastmod>2018-07-09T18:17:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-fund-to-rollover-my-401k/</loc>
		<lastmod>2018-07-10T18:17:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fixed-asset-annuity-for-retirement-savings-pay-out/</loc>
		<lastmod>2018-07-10T18:22:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/move-401-lost-job/</loc>
		<lastmod>2018-07-10T18:28:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/6-month-treasury-bill-or-not/</loc>
		<lastmod>2018-07-10T18:31:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/heloc-5/</loc>
		<lastmod>2018-07-09T18:41:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-discount-for-people-in-ssi-disability/</loc>
		<lastmod>2018-07-11T18:42:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-and-taxes/</loc>
		<lastmod>2018-07-11T18:43:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-are-your-most-recent-books-i-have-2nd-edition-the-savage-truth-on-money-anything-more-recent/</loc>
		<lastmod>2018-07-10T19:43:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-to-invest-and-shield-life-insurance-death-benefits-for-a-minor/</loc>
		<lastmod>2018-07-14T23:07:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ss-benefits-i-may-have-been-cheated-out-of/</loc>
		<lastmod>2018-07-14T23:15:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rental-property-and-taxes/</loc>
		<lastmod>2018-07-15T15:16:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investments-while-on-ssdi/</loc>
		<lastmod>2018-07-15T15:20:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/is-now-the-time-for-cds/</loc>
		<lastmod>2018-07-15T15:25:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/buried-in-student-loan-debt/</loc>
		<lastmod>2018-07-15T15:34:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-engines/</loc>
		<lastmod>2018-07-16T19:04:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annuities-7/</loc>
		<lastmod>2018-07-16T19:07:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-ira-contribution-whats-earned-income/</loc>
		<lastmod>2018-07-16T16:17:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taking-extra-money-out-of-ira/</loc>
		<lastmod>2018-07-16T16:19:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/purchasing-treasury-securities-direct/</loc>
		<lastmod>2018-07-16T16:21:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-extra-cash-in-retirement/</loc>
		<lastmod>2018-07-18T16:22:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-advice-vanguard-a-good-deal/</loc>
		<lastmod>2018-07-18T16:25:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-6/</loc>
		<lastmod>2018-07-19T16:27:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/selling-my-rental/</loc>
		<lastmod>2018-07-24T00:31:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-insurance-17/</loc>
		<lastmod>2018-07-24T00:34:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/contributions-or-college-loan/</loc>
		<lastmod>2018-07-24T00:42:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/debt-consolidation-4/</loc>
		<lastmod>2018-07-25T00:42:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-savings-4/</loc>
		<lastmod>2018-07-25T00:47:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/acorn-accounts/</loc>
		<lastmod>2018-07-26T00:52:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/co-signed-a-student-loan/</loc>
		<lastmod>2018-07-25T00:57:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/young-child-working/</loc>
		<lastmod>2018-07-30T13:20:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taking-extra-money-out-of-ira-2/</loc>
		<lastmod>2018-07-30T13:21:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-adviser-from-bank-or-brokerage/</loc>
		<lastmod>2018-07-30T13:25:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/income-tax-strategy/</loc>
		<lastmod>2018-07-31T13:25:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annuities-8/</loc>
		<lastmod>2018-07-31T13:28:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-checks-and-apartment-applications/</loc>
		<lastmod>2018-07-31T13:32:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/40lk-withdrawal/</loc>
		<lastmod>2018-07-31T13:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cremation-prepaid/</loc>
		<lastmod>2018-08-04T12:28:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inherited-ira-record-keeping/</loc>
		<lastmod>2018-08-04T12:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/withdrawing-some-money-from-ira-rollover/</loc>
		<lastmod>2018-08-04T12:43:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/short-term-treasury-bills/</loc>
		<lastmod>2018-08-04T12:52:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/garnished-wages-due-to-student-loan-default/</loc>
		<lastmod>2018-08-05T12:53:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/employeer-403b-is-closing-and-i-can-roll-it-over-to-employer-sponsored-401k-or-an-ira/</loc>
		<lastmod>2018-08-05T13:02:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/life-insurance-for-older-guy/</loc>
		<lastmod>2018-08-06T13:05:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/gold-3/</loc>
		<lastmod>2018-08-07T13:13:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/itemized-dedcutions-for-taxes-in-2018-filing-in-2019/</loc>
		<lastmod>2018-08-05T13:21:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stocks-2/</loc>
		<lastmod>2018-08-06T13:30:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-what-to-do/</loc>
		<lastmod>2018-08-05T13:40:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/sar-sep/</loc>
		<lastmod>2018-08-06T13:46:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cashing-in-our-retirement-fund/</loc>
		<lastmod>2018-08-05T12:52:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/best-savings-accounts-for-kids/</loc>
		<lastmod>2018-08-08T12:53:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/invest/</loc>
		<lastmod>2018-08-09T13:17:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/opening-401-k-with-qdro/</loc>
		<lastmod>2018-08-09T13:22:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/purepoint-financial/</loc>
		<lastmod>2018-08-10T13:28:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/use-retirement-money-to-paydown-debt/</loc>
		<lastmod>2018-08-05T15:29:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/in-what-form-to-purchase-gold/</loc>
		<lastmod>2018-08-11T15:30:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/helping-my-sister-the-risk/</loc>
		<lastmod>2018-08-05T15:48:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/money-management/</loc>
		<lastmod>2018-08-07T15:48:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pension-2/</loc>
		<lastmod>2018-08-10T15:50:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401-k-rollover-ripoff/</loc>
		<lastmod>2018-08-11T15:58:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/parent-loan/</loc>
		<lastmod>2018-08-07T16:14:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/is-it-ok-to-hire-a-financial-planner-that-is-not-a-member-of-napfa/</loc>
		<lastmod>2018-08-11T16:16:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/selling-stock/</loc>
		<lastmod>2018-08-12T16:24:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-w-comp-settlement-funds/</loc>
		<lastmod>2018-08-10T16:30:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/withdrawing-funds-from-ira/</loc>
		<lastmod>2018-08-13T21:32:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/real-estate-taxes/</loc>
		<lastmod>2018-08-11T21:36:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/future-mortgage/</loc>
		<lastmod>2018-08-12T21:42:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/debt-consolidation-5/</loc>
		<lastmod>2018-08-05T21:47:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/elderly-parent-reverse-mortgage-and-credit-card-debt/</loc>
		<lastmod>2018-08-09T21:48:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-cards-interest-on-balance/</loc>
		<lastmod>2018-08-12T21:54:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loans-in-default-help/</loc>
		<lastmod>2018-08-08T21:56:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/dad-is-paying-more-into-life-insurance-policy-than-its-worth/</loc>
		<lastmod>2018-08-08T22:05:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/buried-in-credit-card-debts/</loc>
		<lastmod>2018-08-08T22:09:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-debt-collection/</loc>
		<lastmod>2018-08-07T22:13:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-plans-too-late/</loc>
		<lastmod>2018-08-09T22:16:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/personal-financial-inventory-2/</loc>
		<lastmod>2018-08-06T00:13:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/online-banking/</loc>
		<lastmod>2018-08-13T00:14:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-3/</loc>
		<lastmod>2018-08-13T00:16:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/compound-interest-for-1-yr/</loc>
		<lastmod>2018-08-12T00:19:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/minimum-required-distribution-2/</loc>
		<lastmod>2018-08-06T11:37:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bankruptcy-3/</loc>
		<lastmod>2018-08-06T11:45:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-7/</loc>
		<lastmod>2018-08-07T11:46:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/better-option-than-cds/</loc>
		<lastmod>2018-08-11T14:59:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/borrowing-from-401k/</loc>
		<lastmod>2018-08-14T15:03:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/reverse-mortgage-for-us/</loc>
		<lastmod>2018-08-14T02:56:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irrevocable-or-revocable-trusts/</loc>
		<lastmod>2018-08-14T02:57:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pay-financial-adviser/</loc>
		<lastmod>2018-08-15T02:58:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-cd-2/</loc>
		<lastmod>2018-08-15T02:59:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/step-up-basis/</loc>
		<lastmod>2018-08-16T03:03:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/two-houses-little-cash/</loc>
		<lastmod>2018-08-17T03:08:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/short-term-health-plans-when-are-they-available/</loc>
		<lastmod>2018-08-14T03:14:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/wep-gpo-federal-pension-offsets/</loc>
		<lastmod>2018-08-15T03:15:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/im-81-how-much-money-do-i-need/</loc>
		<lastmod>2018-08-16T03:23:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/buried-in-debt/</loc>
		<lastmod>2018-08-14T03:31:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-debt/</loc>
		<lastmod>2018-08-14T03:35:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/your-lesson-on-tariffs/</loc>
		<lastmod>2018-08-17T03:35:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-transfer-balance/</loc>
		<lastmod>2018-08-21T20:23:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/refinace-two-mortgages/</loc>
		<lastmod>2018-08-21T20:27:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/acorn-savings/</loc>
		<lastmod>2018-08-21T20:28:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-advisor-3/</loc>
		<lastmod>2018-08-21T20:33:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-conversion-2/</loc>
		<lastmod>2018-08-22T20:33:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-to-pay-mortgage-balance/</loc>
		<lastmod>2018-08-23T20:36:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rounding-up-small-change-article-in-tampa-bay-times-regarding-the-acorn-app/</loc>
		<lastmod>2018-08-22T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/municipal-bonds-vs-26-week-t-bills/</loc>
		<lastmod>2018-08-22T20:41:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/series-ee-savings-bond-issued-1982-matured-2012/</loc>
		<lastmod>2018-08-21T20:48:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/profits-from-sale-of-second-home/</loc>
		<lastmod>2018-08-23T20:49:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/clarification-ira-cd-impact-on-senior-property-tax-exemption/</loc>
		<lastmod>2018-08-22T20:53:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-in-private-company/</loc>
		<lastmod>2018-08-24T13:23:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/a-good-mutual-fund-to-invest-for-the-grandkids-who-are-in-their-20s/</loc>
		<lastmod>2018-08-24T13:54:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/will-estate-planning/</loc>
		<lastmod>2018-08-24T14:05:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/probate-in-illinois/</loc>
		<lastmod>2018-08-24T14:09:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/refinance-our-home/</loc>
		<lastmod>2018-08-25T14:09:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ladybird-deed/</loc>
		<lastmod>2018-08-26T14:22:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-5/</loc>
		<lastmod>2018-08-26T14:28:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cash-back-reward-credit-cards/</loc>
		<lastmod>2018-08-26T14:30:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-advisors-and-personal-information/</loc>
		<lastmod>2018-08-27T14:30:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-ira-merge-conversion-with-original-roth/</loc>
		<lastmod>2018-08-28T14:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/most-efficient-charity-organizations/</loc>
		<lastmod>2018-08-28T14:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/insurance-cobra-or-short-term/</loc>
		<lastmod>2018-08-27T14:43:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/health-insurance-3/</loc>
		<lastmod>2018-08-26T14:55:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-hit-on-seniors-sale-of-tax-free-asset/</loc>
		<lastmod>2018-08-27T14:56:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-for-grandchildren/</loc>
		<lastmod>2018-08-29T13:55:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-transfer-to-roth-ira-for-a-senior/</loc>
		<lastmod>2018-08-26T15:09:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-portfolio/</loc>
		<lastmod>2018-08-28T16:07:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-debt-8/</loc>
		<lastmod>2018-08-29T19:32:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-for-retirement/</loc>
		<lastmod>2018-08-30T13:02:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/refi-mortgage-to-include-sons-student-loan/</loc>
		<lastmod>2018-08-30T13:08:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medical-bills-3/</loc>
		<lastmod>2018-08-31T13:09:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-funding-fafsa/</loc>
		<lastmod>2018-09-03T21:23:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-5/</loc>
		<lastmod>2018-09-03T21:37:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/spousal-benefits-for-ss/</loc>
		<lastmod>2018-09-03T21:45:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-illinois-will-it-pay-off/</loc>
		<lastmod>2018-09-04T21:45:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-and-home-downpayment/</loc>
		<lastmod>2018-09-04T21:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/parent-plus-loan/</loc>
		<lastmod>2018-09-05T21:54:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/estate-planning-where-is-rlt-registered/</loc>
		<lastmod>2018-09-05T22:07:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-levy-help/</loc>
		<lastmod>2018-09-04T22:12:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/work-401k-maxed-out-roth-ira-maxed-out-extra-payments-on-home-mortgage-what-next/</loc>
		<lastmod>2018-09-06T22:20:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/iras-to-a-trust-account-beneficiary/</loc>
		<lastmod>2018-09-04T22:27:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/treasury-securities/</loc>
		<lastmod>2018-09-05T00:15:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stop-or-freeze-interest-credit-card/</loc>
		<lastmod>2018-09-05T00:28:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-off-credit-cards-debt/</loc>
		<lastmod>2018-09-05T00:50:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pension-fund/</loc>
		<lastmod>2018-09-07T22:21:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/personal-loan-credit-card-debt/</loc>
		<lastmod>2018-09-07T22:24:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/son-marrying-girl-with-student-loans/</loc>
		<lastmod>2018-09-07T22:30:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/gifting-son-down-payment-on-condo/</loc>
		<lastmod>2018-09-09T22:33:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/aca-health-insurance-penalty-for-2019/</loc>
		<lastmod>2018-09-10T22:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retired-couple-8-years-apart-how-to-invest/</loc>
		<lastmod>2018-09-12T22:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/debt-reduction/</loc>
		<lastmod>2018-09-08T22:48:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inheritance-keeping-it-separate/</loc>
		<lastmod>2018-09-09T22:51:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/revocable-trust-and-pour-over-wills/</loc>
		<lastmod>2018-09-09T22:56:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cant-pay-for-college-for-17year-old-daughter/</loc>
		<lastmod>2018-09-08T22:59:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/todi-to-avoid-probate/</loc>
		<lastmod>2018-09-11T14:49:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/land-trust-recordable-trust/</loc>
		<lastmod>2018-09-11T14:53:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/dad-wont-make-a-will/</loc>
		<lastmod>2018-09-11T15:01:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-plans-direct-sold-or-advisor-sold/</loc>
		<lastmod>2018-09-09T15:26:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/grandchildren-college-fund-advise/</loc>
		<lastmod>2018-09-10T15:27:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/money-and-a-baby/</loc>
		<lastmod>2018-09-09T15:52:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/hurricane-readiness/</loc>
		<lastmod>2018-09-10T00:01:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/revocable-living-trust-vs-will/</loc>
		<lastmod>2018-09-15T22:32:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pod-accounts/</loc>
		<lastmod>2018-09-15T22:37:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/find-a-financial-advisor/</loc>
		<lastmod>2018-09-15T22:43:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/trust-for-handicapped-child/</loc>
		<lastmod>2018-09-16T22:43:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/required-minimum-distribution/</loc>
		<lastmod>2018-09-16T22:47:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loans-repayment-155000/</loc>
		<lastmod>2018-09-16T22:50:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loans-lets-make-a-deal/</loc>
		<lastmod>2018-09-19T23:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loans-while-disabled/</loc>
		<lastmod>2018-09-19T23:01:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-pays-the-most-interest/</loc>
		<lastmod>2018-09-18T23:10:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/health-insurance-choices/</loc>
		<lastmod>2018-09-17T23:15:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/young-families-trying-to-budget/</loc>
		<lastmod>2018-09-17T23:21:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tbills-for-small-amount-of-cash/</loc>
		<lastmod>2018-09-24T22:49:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/husband-wont-make-a-will/</loc>
		<lastmod>2018-09-24T23:21:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annuity-or-401k/</loc>
		<lastmod>2018-09-26T03:03:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taking-on-a-new-mortgage/</loc>
		<lastmod>2018-09-26T03:07:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/flexible-spending-preretirement/</loc>
		<lastmod>2018-09-27T03:08:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-does-credit-freeze-impact-existing-bank-accounts/</loc>
		<lastmod>2018-09-27T03:16:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/easiest-or-quickest-way-of-rebuilding-credit-score/</loc>
		<lastmod>2018-09-26T03:24:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/awkward-discussing-final-financial-wishes-with-parents/</loc>
		<lastmod>2018-09-28T14:19:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/list-of-info-needed-for-estate-planning/</loc>
		<lastmod>2018-09-29T14:19:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ameriprise-financial/</loc>
		<lastmod>2018-09-29T14:26:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/heloc-before-retirement/</loc>
		<lastmod>2018-09-30T14:31:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/survivorship-life-policy-payable-on-second-death/</loc>
		<lastmod>2018-10-01T14:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-freeze-free-annual-credit-report/</loc>
		<lastmod>2018-09-30T15:47:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-freeze-then-access/</loc>
		<lastmod>2018-09-30T15:49:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-freeze-lost-my-pin/</loc>
		<lastmod>2018-09-30T15:53:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/son-wont-repay-dad-on-documented-loan/</loc>
		<lastmod>2018-09-28T15:59:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/disability-and-savings-impact-of-an-ira/</loc>
		<lastmod>2018-10-02T16:00:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-should-my-daughter-invest-her-money/</loc>
		<lastmod>2018-10-03T16:14:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/501c-3/</loc>
		<lastmod>2018-10-03T16:24:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-for-minor-for-college/</loc>
		<lastmod>2018-09-28T16:28:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taking-more-from-nature-annuity/</loc>
		<lastmod>2018-10-01T16:30:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/identity-theft-protection-2/</loc>
		<lastmod>2018-10-02T16:37:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annuity-transfer/</loc>
		<lastmod>2018-10-02T16:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-transfered-from-an-annuity-withdrawal-surrender-charges-were-taken-out-1705-14-is-this-correct-when-i-rolled-ir-over-to-an-ira-at-chase-and-thet-took-out-3050-annual-please-help-me-understand-thi/</loc>
		<lastmod>2018-09-30T20:04:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stocks-for-children/</loc>
		<lastmod>2018-10-01T20:05:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/better-investment-options/</loc>
		<lastmod>2018-09-30T20:18:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-aid-for-college/</loc>
		<lastmod>2018-10-04T20:21:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/when-banks-pay-checks-before-crediting-deposits/</loc>
		<lastmod>2018-10-05T20:23:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rising-interest-rates/</loc>
		<lastmod>2018-10-05T20:30:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/finding-probate-lawyer-for-moms-estate/</loc>
		<lastmod>2018-10-01T20:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-balance-transfered-to-0-0-interest-card/</loc>
		<lastmod>2018-10-06T20:37:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/help-with-debt/</loc>
		<lastmod>2018-10-04T20:40:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/template-for-organization-of-bankscredit-cards-passwords-etc-on-wgn/</loc>
		<lastmod>2018-10-08T21:07:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-back-federal-college-loans/</loc>
		<lastmod>2018-10-08T21:10:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-4/</loc>
		<lastmod>2018-10-09T21:13:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fidelity-and-vanguard/</loc>
		<lastmod>2018-10-09T21:19:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fine-for-no-insurance/</loc>
		<lastmod>2018-10-08T21:34:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/selling-stock-to-purchase-home/</loc>
		<lastmod>2018-10-08T21:37:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/wills-if-there-is-only-one-child/</loc>
		<lastmod>2018-10-10T21:48:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/first-home/</loc>
		<lastmod>2018-10-10T21:54:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/too-sick-for-life-insurance/</loc>
		<lastmod>2018-10-10T23:39:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/walgreens-retirees-lose-health-benefits-what-to-do/</loc>
		<lastmod>2018-10-10T15:47:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/if-i-sell-my-stocks-what-to-do-with-the-cash/</loc>
		<lastmod>2018-10-12T00:17:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/teachpostalcomcast-net/</loc>
		<lastmod>2018-10-13T00:24:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-short-term/</loc>
		<lastmod>2018-10-14T00:31:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/reits/</loc>
		<lastmod>2018-10-13T00:37:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stocks-when-to-sell/</loc>
		<lastmod>2018-10-13T00:42:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxes-on-a-ira-roth-conversion/</loc>
		<lastmod>2018-10-14T00:45:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/invest-cash-of-condo-sale-now/</loc>
		<lastmod>2018-10-15T00:48:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/parent-plus-loans-repay-or-refinance/</loc>
		<lastmod>2018-10-15T00:51:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/my-ira-investments-at-age-79/</loc>
		<lastmod>2018-10-12T01:00:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/nbc49aol-com/</loc>
		<lastmod>2018-10-16T01:00:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/trust-fund-for-a-minor/</loc>
		<lastmod>2018-10-16T01:09:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-age-is-close-to-retirement-for-stock-investing/</loc>
		<lastmod>2018-10-12T01:28:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/premium-financed-life-insurance/</loc>
		<lastmod>2018-10-12T08:53:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/interest-deductible-on-2015-heloc/</loc>
		<lastmod>2018-10-12T09:17:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-as-a-favor/</loc>
		<lastmod>2018-10-16T09:58:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/small-business-needing-medical-insurance/</loc>
		<lastmod>2018-10-19T01:57:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/gains-on-sale-impact-medicare-premiums/</loc>
		<lastmod>2018-10-19T02:04:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/is-sale-of-a-business-income-for-roth-purposes/</loc>
		<lastmod>2018-10-19T02:08:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-to-buy-gold-and-silver/</loc>
		<lastmod>2018-10-21T02:09:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-savings-5/</loc>
		<lastmod>2018-10-20T02:16:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/personal-financial-organizer-9/</loc>
		<lastmod>2018-10-20T02:23:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-freezes-and-reports/</loc>
		<lastmod>2018-10-21T02:29:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-insurance-rising-premiums/</loc>
		<lastmod>2018-10-20T02:31:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/company-ira-worried-about-market/</loc>
		<lastmod>2018-10-22T02:40:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/index-funds-3/</loc>
		<lastmod>2018-10-20T02:43:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/deceased-parents-ira/</loc>
		<lastmod>2018-10-19T02:53:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-401k-and-an-inheritance-later-this-year/</loc>
		<lastmod>2018-10-24T03:25:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mandatory-withdrawal-from-ira-after-70-1-2/</loc>
		<lastmod>2018-10-25T03:25:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/debt-4/</loc>
		<lastmod>2018-10-24T03:30:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-investment-in-t-bills/</loc>
		<lastmod>2018-10-26T13:23:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-partd/</loc>
		<lastmod>2018-10-26T13:25:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/finding-a-fee-based-financial-planner/</loc>
		<lastmod>2018-10-26T13:30:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retiring-soon-stocks-in-ira/</loc>
		<lastmod>2018-10-27T13:30:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/choosing-best-medicare-supplement-plan/</loc>
		<lastmod>2018-10-27T13:35:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-ira/</loc>
		<lastmod>2018-10-27T13:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/disabled-sisters-inheritance/</loc>
		<lastmod>2018-10-26T14:07:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/home-auto-insurance/</loc>
		<lastmod>2018-10-28T14:07:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-pay-the-taxes-now/</loc>
		<lastmod>2018-10-28T15:12:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-savings-2/</loc>
		<lastmod>2018-10-29T00:34:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirees-co-habitation/</loc>
		<lastmod>2018-10-29T00:36:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-part-d-the-penalty/</loc>
		<lastmod>2018-10-31T01:19:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/small-business-health-insurance-2/</loc>
		<lastmod>2018-11-04T15:05:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inheritence/</loc>
		<lastmod>2018-11-11T03:36:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pbgc/</loc>
		<lastmod>2018-11-11T03:39:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-exempt-mutual-bond-funds/</loc>
		<lastmod>2018-11-12T03:40:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-after-bankruptcy-2/</loc>
		<lastmod>2018-11-12T03:48:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-401k/</loc>
		<lastmod>2018-11-13T03:54:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/repaying-medical-school-student-loans/</loc>
		<lastmod>2018-11-11T04:15:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/girlfriend-in-debt/</loc>
		<lastmod>2018-11-12T04:15:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/no-landlord/</loc>
		<lastmod>2018-11-16T16:02:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/glennwsan-rr-com/</loc>
		<lastmod>2018-11-25T18:37:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-off-mortgage-early-with-taxable-ira-cd-funds/</loc>
		<lastmod>2018-11-25T18:41:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/recently-dropped-original-medicare-and-supplemental-for-a-adva/</loc>
		<lastmod>2018-11-25T18:43:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/line-of-equity/</loc>
		<lastmod>2018-11-25T18:47:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/when-to-file-bankruptcy/</loc>
		<lastmod>2018-11-25T18:49:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-in-cd-transfer-to-another-cd/</loc>
		<lastmod>2018-11-26T18:52:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/real-estate-purchase/</loc>
		<lastmod>2018-11-27T18:56:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/moving-abroad-in-retirement/</loc>
		<lastmod>2018-11-28T18:59:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/estate-planning-3/</loc>
		<lastmod>2018-11-28T19:13:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/change-in-our-beneficiaries/</loc>
		<lastmod>2018-11-28T19:41:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/online-banks/</loc>
		<lastmod>2018-11-27T19:46:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-investing-firms/</loc>
		<lastmod>2018-11-29T19:51:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/trips-vs-bond-ladders/</loc>
		<lastmod>2018-11-27T19:55:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/best-credit-card-with-rewards/</loc>
		<lastmod>2018-11-30T20:00:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fafsa/</loc>
		<lastmod>2018-11-30T20:05:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-11/</loc>
		<lastmod>2018-11-26T20:13:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/protecting-nest-egg-for-retiree/</loc>
		<lastmod>2018-11-25T20:21:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-fund-risk-assessment/</loc>
		<lastmod>2018-11-26T20:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/deduct-both-able-and-bright-start-contributions-on-il-return/</loc>
		<lastmod>2018-11-27T20:35:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-roll-over/</loc>
		<lastmod>2018-11-29T20:48:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-10/</loc>
		<lastmod>2018-11-29T20:51:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-3/</loc>
		<lastmod>2018-11-29T20:54:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tips-for-my-retirement-portfolio/</loc>
		<lastmod>2018-11-26T21:01:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmd-the-year-of-death/</loc>
		<lastmod>2018-11-26T21:03:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stock-purchase-cards-fragmented-stocks/</loc>
		<lastmod>2018-12-03T16:14:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/saving-money-for-a-child/</loc>
		<lastmod>2018-12-03T16:20:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-deductions-for-two-families/</loc>
		<lastmod>2018-12-03T16:23:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/brightstart-program-illinois/</loc>
		<lastmod>2018-12-04T16:23:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/life-ins-tca-accounts/</loc>
		<lastmod>2018-12-04T16:26:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bankruptcy-4/</loc>
		<lastmod>2018-12-04T16:32:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-savings-6/</loc>
		<lastmod>2018-12-05T16:41:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/brightstart-529-who-should-own-the-account/</loc>
		<lastmod>2018-12-06T16:53:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/value-of-att-share/</loc>
		<lastmod>2018-12-05T16:57:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/2019-cash-strategy-for-maturing-annuity/</loc>
		<lastmod>2018-12-07T02:47:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-in-a-few-years/</loc>
		<lastmod>2018-12-07T02:51:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-11/</loc>
		<lastmod>2018-12-07T02:53:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/imminent-bear-market/</loc>
		<lastmod>2018-12-08T02:53:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/health-insurance-for-small-business/</loc>
		<lastmod>2018-12-08T03:03:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/best-account-to-take-money-from/</loc>
		<lastmod>2018-12-08T17:28:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-roll-over/</loc>
		<lastmod>2018-12-10T03:08:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cancelling-credit-cards-2/</loc>
		<lastmod>2018-12-10T03:12:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/filing-for-chapter-7-bankruptcy/</loc>
		<lastmod>2018-12-10T03:25:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/losing-in-529-college-savings-plan/</loc>
		<lastmod>2018-12-10T18:47:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/federal-withholding-for-severance/</loc>
		<lastmod>2018-12-10T23:48:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-suspend-and-resume/</loc>
		<lastmod>2018-12-10T23:54:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-payments-for-granddaughter/</loc>
		<lastmod>2018-12-11T23:54:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/general-investing/</loc>
		<lastmod>2018-12-11T01:43:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/sp-500-funds/</loc>
		<lastmod>2018-12-12T01:46:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pimco-accounts/</loc>
		<lastmod>2018-12-12T22:01:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-for-great-grand-niece-and-nephew/</loc>
		<lastmod>2018-12-12T22:04:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bright-start-529-plan/</loc>
		<lastmod>2018-12-12T22:07:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-withdrawing-to-pay-cc-debt/</loc>
		<lastmod>2018-12-13T22:09:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmd-to-charity/</loc>
		<lastmod>2018-12-12T22:15:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/davidswanmgmail-com/</loc>
		<lastmod>2018-12-13T23:00:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/home-equity-loan-for-paying-credit-card-debt/</loc>
		<lastmod>2018-12-13T23:09:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/house-caught-in-divorce-battle/</loc>
		<lastmod>2018-12-13T23:13:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cds/</loc>
		<lastmod>2018-12-17T16:48:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/surrender-life-insurance-poliicy-for-cash/</loc>
		<lastmod>2018-12-17T16:49:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/iif-obamacare-is-repealed/</loc>
		<lastmod>2018-12-17T16:52:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-investing-in-one-of-my-vanguard-funds-to-avoid-the-dividend-date/</loc>
		<lastmod>2018-12-22T20:45:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/do-a-roth-conversion-now/</loc>
		<lastmod>2018-12-22T20:46:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-12/</loc>
		<lastmod>2018-12-22T20:49:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/revocable-trust-checking-account/</loc>
		<lastmod>2018-12-24T20:50:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/should-parent-or-grandparent-own-529-plan/</loc>
		<lastmod>2018-12-22T21:02:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-13/</loc>
		<lastmod>2018-12-23T21:02:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/nearing-retirement-and-worried/</loc>
		<lastmod>2018-12-22T21:10:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/iras-and-taxes/</loc>
		<lastmod>2018-12-24T21:11:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bank-cd-rates/</loc>
		<lastmod>2018-12-23T21:14:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-money/</loc>
		<lastmod>2018-12-24T21:17:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fully-vested-401/</loc>
		<lastmod>2018-12-27T14:13:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/adjusting-401k-as-i-near-retirement/</loc>
		<lastmod>2018-12-27T14:21:02+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/us-treasury-bills/</loc>
		<lastmod>2018-12-28T14:21:14+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cpa-as-financial-advisor/</loc>
		<lastmod>2018-12-27T14:29:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/finding-a-fiduciary/</loc>
		<lastmod>2018-12-28T14:33:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/value-of-old-att-shares-from-1984/</loc>
		<lastmod>2018-12-29T14:37:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/gold-investment/</loc>
		<lastmod>2018-12-27T14:51:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/teachers-student-loan-repayment/</loc>
		<lastmod>2018-12-31T18:14:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bond-value/</loc>
		<lastmod>2018-12-31T18:19:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/free-annual-credit-report-check/</loc>
		<lastmod>2018-12-31T18:21:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-need-safety-in-40lk/</loc>
		<lastmod>2018-12-31T18:26:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/online-banking-security/</loc>
		<lastmod>2019-01-02T15:28:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/soc-security-lost-because-of-offset/</loc>
		<lastmod>2019-01-03T22:54:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tbills/</loc>
		<lastmod>2019-01-04T22:54:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retiree-what-to-do/</loc>
		<lastmod>2019-01-03T23:18:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/website-to-find-fiduciary-planner/</loc>
		<lastmod>2019-01-03T23:21:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fixed-index-annuities-2/</loc>
		<lastmod>2019-01-04T23:21:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-while-in-retirement/</loc>
		<lastmod>2019-01-05T23:25:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/is-our-asset-allocation-correct-for-our-situation/</loc>
		<lastmod>2019-01-04T23:30:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-payoff-2/</loc>
		<lastmod>2019-01-05T23:41:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-money/</loc>
		<lastmod>2019-01-11T03:17:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-plans-bright-start-or-not/</loc>
		<lastmod>2019-01-11T03:19:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fund-management-fees/</loc>
		<lastmod>2019-01-13T03:20:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/liquidate-small-ira-cd/</loc>
		<lastmod>2019-01-12T03:24:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inheritance-what-will-it-be/</loc>
		<lastmod>2019-01-12T03:26:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loans-or-distribute-inheritance/</loc>
		<lastmod>2019-01-14T03:32:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/life-insurance-for-two-teens/</loc>
		<lastmod>2019-01-14T03:37:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-edvest-wisc-college-plan/</loc>
		<lastmod>2019-01-19T21:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/surrender-life-insurance-policy/</loc>
		<lastmod>2019-01-19T21:49:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/smart-investing/</loc>
		<lastmod>2019-01-18T21:55:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/portfolio-advice/</loc>
		<lastmod>2019-01-21T21:55:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-insurance-18/</loc>
		<lastmod>2019-01-18T22:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/lien-on-property/</loc>
		<lastmod>2019-01-19T22:00:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fees-on-investments/</loc>
		<lastmod>2019-01-18T22:15:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annuities-11/</loc>
		<lastmod>2019-01-22T22:16:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-medical-insurance-prior-to-medicare-eligibity/</loc>
		<lastmod>2019-01-19T22:18:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-6/</loc>
		<lastmod>2019-01-18T22:23:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-to-determine-how-much-to-soend-on-a-home-addition/</loc>
		<lastmod>2019-01-20T22:24:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/gold-benefits-at-end-of-the-world/</loc>
		<lastmod>2019-01-22T22:43:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-should-i-invest-in-2/</loc>
		<lastmod>2019-01-20T22:47:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loans-waived-if-teaching/</loc>
		<lastmod>2019-01-21T01:02:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/the-market/</loc>
		<lastmod>2019-01-19T01:09:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-distributions/</loc>
		<lastmod>2019-01-21T01:10:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/online-investing-companies/</loc>
		<lastmod>2019-01-23T01:16:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medical-deductions-for-income-taxes-in-2018/</loc>
		<lastmod>2019-01-23T01:21:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/difference-between-revocable-and-irrevocable-trusts-to-protect-assets-from-probate-and-nursing-homes/</loc>
		<lastmod>2019-01-20T01:24:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/22-trillion-debt/</loc>
		<lastmod>2019-01-23T02:44:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/vanguard-managed-payout-fund/</loc>
		<lastmod>2019-01-24T02:58:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-with-safety/</loc>
		<lastmod>2019-01-19T03:05:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/savings-account-with-beneficiaries-or-in-a-trust/</loc>
		<lastmod>2019-01-23T03:06:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/use-401k-to-save-the-day/</loc>
		<lastmod>2019-01-22T14:10:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmd-required-not-fulfilled-due-to-death/</loc>
		<lastmod>2019-01-24T17:18:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/6-common-att-shares-dated-february-23-1984/</loc>
		<lastmod>2019-01-26T01:19:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-etc-record-keeping-for-deceased-parents/</loc>
		<lastmod>2019-01-26T01:30:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-credit-rating/</loc>
		<lastmod>2019-01-25T01:36:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-suggestions/</loc>
		<lastmod>2019-01-27T01:36:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/workman-comp-annuity/</loc>
		<lastmod>2019-01-28T22:21:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-withdrawals/</loc>
		<lastmod>2019-01-29T00:10:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fiduciary-advisor/</loc>
		<lastmod>2019-01-29T00:13:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-books/</loc>
		<lastmod>2019-01-30T00:13:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/best-college-fund/</loc>
		<lastmod>2019-01-30T00:21:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/selling-a-townhouse/</loc>
		<lastmod>2019-01-31T00:26:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-in-retirement/</loc>
		<lastmod>2019-01-31T00:33:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/death-of-loved-one-on-a-joint-owned-house/</loc>
		<lastmod>2019-01-30T17:11:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/qcd-from-ira/</loc>
		<lastmod>2019-01-31T18:25:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/foreclosure-2/</loc>
		<lastmod>2019-02-10T17:05:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/capital-gains-tax-on-sale-of-dads-house/</loc>
		<lastmod>2019-02-10T17:16:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-in-marijuana/</loc>
		<lastmod>2019-02-10T17:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/parent-plus-loan-refinance/</loc>
		<lastmod>2019-02-10T17:56:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rolling-over-my-401k/</loc>
		<lastmod>2019-02-10T18:55:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/6-month-treasury-bills-2/</loc>
		<lastmod>2019-02-12T18:56:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-debt-pay-day-loans/</loc>
		<lastmod>2019-02-11T18:58:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-planning-review/</loc>
		<lastmod>2019-02-12T19:01:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/having-coin-collection-appraised/</loc>
		<lastmod>2019-02-12T19:08:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/personal-finance-portfolio-tracking/</loc>
		<lastmod>2019-02-13T19:12:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/security-of-403b-contracts-during-economic-downturn/</loc>
		<lastmod>2019-02-13T19:16:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-returns-married-or-separate/</loc>
		<lastmod>2019-02-11T19:24:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/use-of-variable-annuities-vs-other-options/</loc>
		<lastmod>2019-02-11T19:32:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmd-not-needed/</loc>
		<lastmod>2019-02-14T19:39:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-survivor-benefits-for-spouse-who-is-a-teacher/</loc>
		<lastmod>2019-02-14T19:43:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/should-we-refinance-my-mothers-mortgage-to-pay-for-her-in-home-care/</loc>
		<lastmod>2019-02-12T23:14:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-and-parent-plus-loan-debt/</loc>
		<lastmod>2019-02-19T21:09:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/estate-executor-cant-deposit-check/</loc>
		<lastmod>2019-02-19T21:18:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-14/</loc>
		<lastmod>2019-02-19T21:43:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/outstanding-401k-loan/</loc>
		<lastmod>2019-02-21T21:44:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stock-market-investment-getting-started/</loc>
		<lastmod>2019-02-20T21:47:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/senior-looking-for-legit-co-to-consolidate-debt/</loc>
		<lastmod>2019-02-20T21:52:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fee-only-adviser-fidicuary/</loc>
		<lastmod>2019-02-20T21:57:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/quarterly-taxes-for-freelancer/</loc>
		<lastmod>2019-02-22T22:02:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-should-i-use-pension-or-401k-savings-first/</loc>
		<lastmod>2019-02-19T22:25:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/finding-the-right-brokerage-for-investments/</loc>
		<lastmod>2019-02-28T20:25:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/online-cds/</loc>
		<lastmod>2019-02-28T20:29:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-is-paid-off-now-what/</loc>
		<lastmod>2019-02-28T20:33:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/treasury-bills/</loc>
		<lastmod>2019-02-28T20:35:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/refinancing-mortgage-to-pay-student-loan/</loc>
		<lastmod>2019-03-01T20:35:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-debt-use-ira/</loc>
		<lastmod>2019-03-01T20:40:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmd-and-annuities/</loc>
		<lastmod>2019-03-02T20:43:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/schwab-intelligent-advisory/</loc>
		<lastmod>2019-03-02T00:43:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxes-on-sale-of-deceased-mothers-home/</loc>
		<lastmod>2019-03-03T00:44:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/federal-thrift-savings-plan/</loc>
		<lastmod>2019-03-03T00:52:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-do-i-know-that-my-fee-based-cfp-is-really-doing-the-best-for-me/</loc>
		<lastmod>2019-03-04T01:08:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/disabled-with-money-to-invest/</loc>
		<lastmod>2019-03-05T19:20:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ee-and-i-savings-bonds/</loc>
		<lastmod>2019-03-05T19:25:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/where-to-invest-money-saved/</loc>
		<lastmod>2019-03-15T14:25:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-debt/</loc>
		<lastmod>2019-03-15T14:31:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cant-figure-actual-financial-fees/</loc>
		<lastmod>2019-03-16T13:22:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/accessing-home-equity-via-unisom/</loc>
		<lastmod>2019-03-16T13:44:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-cards-5/</loc>
		<lastmod>2019-03-16T13:48:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/charitable-trusts/</loc>
		<lastmod>2019-03-18T13:49:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-ira-at-age-72/</loc>
		<lastmod>2019-03-17T13:59:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rent-control/</loc>
		<lastmod>2019-03-19T15:07:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loans-help/</loc>
		<lastmod>2019-03-17T15:12:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rent-payment-on-credit-report/</loc>
		<lastmod>2019-03-19T15:19:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-lenders-and-rates/</loc>
		<lastmod>2019-03-16T15:33:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/best-will-to-leave-money-to-kids/</loc>
		<lastmod>2019-03-18T15:34:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-and-illinois-workers-comp/</loc>
		<lastmod>2019-03-20T15:38:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-to-take-an-rmd/</loc>
		<lastmod>2019-03-23T21:44:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/share-pension-with-spouse/</loc>
		<lastmod>2019-03-23T21:56:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/lirp-at-life-insurance-seminar/</loc>
		<lastmod>2019-03-24T21:56:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortage-payoff/</loc>
		<lastmod>2019-03-23T22:14:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/novice-stock-investor/</loc>
		<lastmod>2019-03-25T22:14:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-question-saw-you-on-wgn/</loc>
		<lastmod>2019-03-23T22:26:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/1099-2/</loc>
		<lastmod>2019-03-26T22:31:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-return-2/</loc>
		<lastmod>2019-03-26T22:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/my-life-insurance/</loc>
		<lastmod>2019-03-25T22:39:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/short-term-investment/</loc>
		<lastmod>2019-03-26T22:43:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cds-vs-bond-funds-for-portfolio/</loc>
		<lastmod>2019-03-29T02:18:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-to-put-money-into-cds-or-treasury-bills/</loc>
		<lastmod>2019-03-29T02:46:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fixed-index-annuity-2/</loc>
		<lastmod>2019-03-30T02:59:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/trusts-2/</loc>
		<lastmod>2019-03-31T03:02:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/starting-ira/</loc>
		<lastmod>2019-03-31T03:06:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/income-tax-refund-lost/</loc>
		<lastmod>2019-03-29T03:20:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/which-loan-to-pay/</loc>
		<lastmod>2019-03-29T03:22:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fees-charged-to-manage-investments/</loc>
		<lastmod>2019-03-30T03:22:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/refinancing-student-loans-3/</loc>
		<lastmod>2019-04-01T03:27:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/getting-inherited-money-invested/</loc>
		<lastmod>2019-04-05T01:42:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/commission/</loc>
		<lastmod>2019-04-06T01:43:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stocks-3/</loc>
		<lastmod>2019-04-05T01:48:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-vs-and-medicare-supplement/</loc>
		<lastmod>2019-04-12T15:56:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/wealth-manager-adviser/</loc>
		<lastmod>2019-04-13T15:56:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/you-may-need-to-rethink-tax-strategies-before-retirement/</loc>
		<lastmod>2019-04-12T16:02:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/illinois-taxation-of-retirement-income/</loc>
		<lastmod>2019-04-13T16:02:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-conversion-3/</loc>
		<lastmod>2019-04-14T16:06:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/column-from-3-27-19-roth-ira/</loc>
		<lastmod>2019-04-14T16:10:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-returns-on-brightstart/</loc>
		<lastmod>2019-04-21T21:51:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/value-of-american-telephone-and-telegraph-company/</loc>
		<lastmod>2019-04-21T22:01:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/illinois-state-sales-tax-deduction/</loc>
		<lastmod>2019-04-21T22:06:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxes-on-selling-a-home/</loc>
		<lastmod>2019-04-22T22:07:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/treasury-bonds/</loc>
		<lastmod>2019-04-23T22:11:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/lost-saving-bonds/</loc>
		<lastmod>2019-04-22T22:16:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/getting-started-on-retirement-investing/</loc>
		<lastmod>2019-04-22T22:21:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annuity-into-ira/</loc>
		<lastmod>2019-04-24T22:24:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-at-65/</loc>
		<lastmod>2019-04-28T15:46:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/treasury-bond-mutual-funds/</loc>
		<lastmod>2019-04-28T15:49:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxes-on-ira-withdrawal/</loc>
		<lastmod>2019-04-29T15:49:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/whole-life-insurance-making-church-the-beneficiary/</loc>
		<lastmod>2019-04-29T15:53:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/debt-pay-off/</loc>
		<lastmod>2019-04-28T16:00:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/beneficiary-ira-conversion-to-a-roth-ira/</loc>
		<lastmod>2019-04-30T16:01:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inherited-ira-non-spousal-beneficiary-rmds-correction/</loc>
		<lastmod>2019-05-13T22:14:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-woman-over-50-can-make-next-career-move/</loc>
		<lastmod>2019-05-15T03:27:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-tuition/</loc>
		<lastmod>2019-05-15T03:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-when-best-to-collect/</loc>
		<lastmod>2019-05-15T03:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-off-credit-card-debt-then-what/</loc>
		<lastmod>2019-05-15T03:43:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/splitting-an-ira-account/</loc>
		<lastmod>2019-05-18T12:39:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-inherited-now-what/</loc>
		<lastmod>2019-05-18T12:48:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-planing-worried-about-pbcg-payments/</loc>
		<lastmod>2019-05-18T12:55:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-and-retirement/</loc>
		<lastmod>2019-05-20T12:56:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/4k1/</loc>
		<lastmod>2019-05-19T13:08:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/where-to-invest-what-to-pay-off-first/</loc>
		<lastmod>2019-05-19T13:15:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxes-on-sale-of-deceased-parents-home/</loc>
		<lastmod>2019-05-18T13:25:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pay-bills-from-inheritance-to-improve-credit-score/</loc>
		<lastmod>2019-05-18T13:28:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/closing-credit-card-accounts-impact-on-score/</loc>
		<lastmod>2019-05-18T21:12:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/price-of-gas-house-furnaces/</loc>
		<lastmod>2019-05-21T21:13:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-monitoring-vs-freeze/</loc>
		<lastmod>2019-05-20T21:22:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/money-manager-fiduciary-or-not/</loc>
		<lastmod>2019-05-19T21:25:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-insurance-19/</loc>
		<lastmod>2019-05-18T21:33:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ss-benefits/</loc>
		<lastmod>2019-05-21T21:33:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/finding-a-non-family-estate-executor/</loc>
		<lastmod>2019-05-20T21:40:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/trust-will-or-beneficiary/</loc>
		<lastmod>2019-05-19T22:01:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-conversion-from-an-ira/</loc>
		<lastmod>2019-05-22T22:12:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-debt-best-options/</loc>
		<lastmod>2019-05-20T22:26:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-account-2/</loc>
		<lastmod>2019-05-23T22:34:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/buying-municipal-bonds/</loc>
		<lastmod>2019-05-22T22:50:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-12/</loc>
		<lastmod>2019-05-21T22:51:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cd-vs-t-bill-vs-income-fund/</loc>
		<lastmod>2019-05-23T22:54:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-refi-to-10-year-loan/</loc>
		<lastmod>2019-05-19T23:00:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-fees/</loc>
		<lastmod>2019-05-24T23:03:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/money-for-grandchildren/</loc>
		<lastmod>2019-05-23T23:11:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/is-doing-a-reverise-morgage-i-am-71-and-need-to-do-some-repairs-do-you-have-refirals-for-companus/</loc>
		<lastmod>2019-05-22T23:15:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-money-need-growth-but-no-losses/</loc>
		<lastmod>2019-05-24T14:25:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-loans-for-this-fall/</loc>
		<lastmod>2019-05-19T14:39:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-counseling-for-my-adult-children/</loc>
		<lastmod>2019-05-28T23:36:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/buying-investment-property/</loc>
		<lastmod>2019-05-29T23:36:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/changing-state-of-residence/</loc>
		<lastmod>2019-05-28T23:50:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/real-estate-sell-and-retire/</loc>
		<lastmod>2019-05-29T23:50:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/unclaimed-property-laws/</loc>
		<lastmod>2019-05-30T23:55:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/next-recession-and-bear-market/</loc>
		<lastmod>2019-05-29T00:05:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/online-savings-accounts/</loc>
		<lastmod>2019-05-31T00:10:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/90000-00-emergency-medical-bills-i-cant-pay/</loc>
		<lastmod>2019-05-31T00:23:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inherited-money/</loc>
		<lastmod>2019-05-31T00:27:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fidelity-529-college-savings-plan-contributions-started-approximately-2002/</loc>
		<lastmod>2019-06-01T00:30:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/avoiding-taxes-on-mandatory-distributions/</loc>
		<lastmod>2019-05-30T00:37:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annual-gift-tax-exemptions/</loc>
		<lastmod>2019-06-01T00:41:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-beneficiary/</loc>
		<lastmod>2019-06-02T00:47:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-advice-3/</loc>
		<lastmod>2019-06-02T20:26:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/will-credit-score-rebound/</loc>
		<lastmod>2019-06-03T20:32:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-5/</loc>
		<lastmod>2019-06-03T20:35:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/real-estate-or-not/</loc>
		<lastmod>2019-06-04T20:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-plan-2/</loc>
		<lastmod>2019-06-04T20:44:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/recession/</loc>
		<lastmod>2019-05-30T20:49:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-ramifications-if-wife-with-alzheimers-goes-on-medicaid/</loc>
		<lastmod>2019-05-31T20:49:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/starting-saving-late/</loc>
		<lastmod>2019-06-05T20:56:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/building-credit-after-bankruptcy/</loc>
		<lastmod>2019-06-05T21:00:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/my-401k-risky/</loc>
		<lastmod>2019-06-01T22:05:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/money-investment/</loc>
		<lastmod>2019-06-07T22:15:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirements-planning/</loc>
		<lastmod>2019-06-07T22:20:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-savings-3/</loc>
		<lastmod>2019-06-02T22:23:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/my-ira-portfolio/</loc>
		<lastmod>2019-06-03T22:25:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investments-5/</loc>
		<lastmod>2019-06-08T22:28:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inheritance-of-house/</loc>
		<lastmod>2019-06-12T11:43:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-balance-transfers/</loc>
		<lastmod>2019-06-12T11:46:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/purchasing-real-estate-before-marriage/</loc>
		<lastmod>2019-06-26T03:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-planning/</loc>
		<lastmod>2019-06-26T03:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxes-on-pension/</loc>
		<lastmod>2019-06-26T03:42:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-ira-for-daughter-in-new-york/</loc>
		<lastmod>2019-06-26T03:48:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-illinois-529-prepaid-tuition-program/</loc>
		<lastmod>2019-06-28T03:48:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-score-4/</loc>
		<lastmod>2019-06-27T03:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-scores/</loc>
		<lastmod>2019-06-27T03:56:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/book-about-money-management-and-investing-for-teenagers/</loc>
		<lastmod>2019-06-29T03:58:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-and-my-son/</loc>
		<lastmod>2019-06-28T04:00:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/disability-insurance/</loc>
		<lastmod>2019-06-30T04:04:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-reporting-on-bill-i-refused-to-pay/</loc>
		<lastmod>2019-06-26T04:13:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/finding-an-executor-or-trustee/</loc>
		<lastmod>2019-07-03T12:27:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pre-pay-mortgage-payments/</loc>
		<lastmod>2019-07-03T12:27:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/wary-about-my-401k-changing-to-a-lower-cost-cit/</loc>
		<lastmod>2019-07-03T12:34:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-contributions-maximum/</loc>
		<lastmod>2019-07-03T12:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-rating-and-retail-line-of-credit/</loc>
		<lastmod>2019-07-06T19:20:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inherited-money-from-a-friend/</loc>
		<lastmod>2019-07-06T19:21:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cannot-withdraw-from-tiaa-but-i-need-to/</loc>
		<lastmod>2019-07-06T19:23:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/beneficiary-of-living-trust-for-home/</loc>
		<lastmod>2019-07-12T20:02:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-savings-to-cash/</loc>
		<lastmod>2019-07-12T20:02:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-tuition-2/</loc>
		<lastmod>2019-07-12T20:09:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/percentage-of-savings-to-have-in-the-stock-market/</loc>
		<lastmod>2019-07-12T20:12:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stocks-vs-credit-union/</loc>
		<lastmod>2019-07-13T20:12:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/savings-for-a-home/</loc>
		<lastmod>2019-07-12T20:15:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/thrift-saving-plan/</loc>
		<lastmod>2019-07-13T20:16:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stock-value-contributed-by-a-previous-employer/</loc>
		<lastmod>2019-07-13T20:20:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/left-over-parents-investments/</loc>
		<lastmod>2019-07-13T20:26:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/closing-unneeded-credit-card-accounts/</loc>
		<lastmod>2019-07-12T20:36:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/do-we-really-need-a-will/</loc>
		<lastmod>2019-07-13T20:36:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-to-pay-off-cc-debt/</loc>
		<lastmod>2019-07-13T20:59:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/lend-key-com/</loc>
		<lastmod>2019-07-14T13:23:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-illinois/</loc>
		<lastmod>2019-07-14T19:13:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-reports-where-to-get-them/</loc>
		<lastmod>2019-07-14T19:16:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-to-withdraw-from-deceased-husbands-40lk/</loc>
		<lastmod>2019-07-14T19:24:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-debt-column-response/</loc>
		<lastmod>2019-07-16T19:25:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-debt-column-response-2/</loc>
		<lastmod>2019-07-16T19:27:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-debt-column-response-3/</loc>
		<lastmod>2019-07-16T19:32:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cut-student-rates-column-response/</loc>
		<lastmod>2019-07-16T19:39:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-payoff-in-retirement/</loc>
		<lastmod>2019-07-14T19:58:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/co-signing-student-loan-for-granddaughter/</loc>
		<lastmod>2019-07-14T20:06:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/changing-title-to-house-i-inherited/</loc>
		<lastmod>2019-07-15T20:06:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/build-credit-to-get-mortgage/</loc>
		<lastmod>2019-07-15T20:17:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/trust-and-my-home/</loc>
		<lastmod>2019-07-17T20:28:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/moms-retirement-money-running-out/</loc>
		<lastmod>2019-07-17T20:33:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-plan-out-of-state/</loc>
		<lastmod>2019-07-18T20:40:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-money-gained-from-condo-sale/</loc>
		<lastmod>2019-07-17T20:49:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/refinance-home-in-light-of-new-income-tax-limits/</loc>
		<lastmod>2019-07-18T20:52:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-ira-and-40lk/</loc>
		<lastmod>2019-07-15T21:03:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/land-ownership/</loc>
		<lastmod>2019-07-18T21:14:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-timing/</loc>
		<lastmod>2019-07-14T21:25:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/changing-college-savings-plan/</loc>
		<lastmod>2019-07-17T21:25:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-what-to-diversify-into/</loc>
		<lastmod>2019-07-18T21:28:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/my-moms-will/</loc>
		<lastmod>2019-07-19T21:36:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mutual-funds-in-retirement/</loc>
		<lastmod>2019-07-15T21:39:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/small-401k-investment-companies-fees/</loc>
		<lastmod>2019-07-14T22:40:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-advisor-4/</loc>
		<lastmod>2019-07-19T22:57:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-fo-college/</loc>
		<lastmod>2019-07-16T23:01:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-insurance-premiums/</loc>
		<lastmod>2019-07-14T23:11:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-retiring-in-2-years/</loc>
		<lastmod>2019-07-14T23:17:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-payments-and-your-credit-score/</loc>
		<lastmod>2019-07-15T23:18:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inheritance-affect-on-financial-aid-for-college/</loc>
		<lastmod>2019-07-16T23:20:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investments-retirement/</loc>
		<lastmod>2019-07-15T23:25:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/robo-investors/</loc>
		<lastmod>2019-07-20T23:29:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rental-property-mortgage/</loc>
		<lastmod>2019-07-20T23:31:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-refinance/</loc>
		<lastmod>2019-07-20T23:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stock-sales-impact-on-insurance-subsidy/</loc>
		<lastmod>2019-07-14T23:53:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-to-do-with-money-from-sale-of-condo/</loc>
		<lastmod>2019-07-14T23:58:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/collect-social-security-to-pay-mortgage/</loc>
		<lastmod>2019-07-18T00:09:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/capital-gains-on-sale-of-home-2/</loc>
		<lastmod>2019-07-15T00:28:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-insurance-20/</loc>
		<lastmod>2019-07-20T01:31:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/home-equity-loan-pay-off/</loc>
		<lastmod>2019-07-19T01:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/treasury-bill-or-treasury-money-funds/</loc>
		<lastmod>2019-07-19T01:40:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rolled-my-40lk-into-an-annuity-big-mistake/</loc>
		<lastmod>2019-07-16T01:50:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/personal-loan-for-current-debt/</loc>
		<lastmod>2019-07-19T01:51:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/home-appraisal/</loc>
		<lastmod>2019-07-21T01:55:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/asset-allocation/</loc>
		<lastmod>2019-07-16T21:50:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bond-funds-which-one/</loc>
		<lastmod>2019-07-18T15:08:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/my-treasury-bills-matured/</loc>
		<lastmod>2019-07-18T15:16:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/life-insurance-for-person-with-illness/</loc>
		<lastmod>2019-07-22T15:16:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/gold-4/</loc>
		<lastmod>2019-07-18T15:24:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-planning-for-elders/</loc>
		<lastmod>2019-07-22T15:36:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/treasury-notes-or-cds/</loc>
		<lastmod>2019-07-20T15:42:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/using-ira-but-avoiding-cd-penalty/</loc>
		<lastmod>2019-07-28T11:46:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/changing-names-on-savings-bonds/</loc>
		<lastmod>2019-07-28T12:03:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/certified-financial-planners-and-a-thank-you/</loc>
		<lastmod>2019-07-28T12:05:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/acorns-app/</loc>
		<lastmod>2019-07-29T12:14:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-debt-we-are-buried/</loc>
		<lastmod>2019-07-29T12:26:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mikes124yahoo-com/</loc>
		<lastmod>2019-07-30T12:34:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/negative-interest-rates-in-europe/</loc>
		<lastmod>2019-07-30T12:38:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-money-2/</loc>
		<lastmod>2019-07-30T12:46:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/students-loans-too-late/</loc>
		<lastmod>2019-07-28T22:18:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-now/</loc>
		<lastmod>2019-08-06T03:08:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-during-retirement/</loc>
		<lastmod>2019-08-06T03:10:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/asking-if-i-should-sell-all-shares-of-stock/</loc>
		<lastmod>2019-08-11T22:12:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/time-horizon/</loc>
		<lastmod>2019-08-14T01:13:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-ss-or-ira-first/</loc>
		<lastmod>2019-08-14T01:15:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/gold-5/</loc>
		<lastmod>2019-08-14T01:18:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/a-few-years-to-retirement/</loc>
		<lastmod>2019-08-15T01:19:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/teamster-pension/</loc>
		<lastmod>2019-08-15T01:21:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-and-stock-market/</loc>
		<lastmod>2019-08-14T01:27:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/beginners-savings-investment/</loc>
		<lastmod>2019-08-14T01:40:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/t-bills/</loc>
		<lastmod>2019-08-14T01:44:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/safe-harbor-for-your-money/</loc>
		<lastmod>2019-08-14T01:56:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-funds-2/</loc>
		<lastmod>2019-08-15T11:52:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/minimum-required-distributions-into-a-roth-ira/</loc>
		<lastmod>2019-08-15T18:53:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stock-i-have-owned-over-20-years-should-i-sell/</loc>
		<lastmod>2019-08-15T18:55:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/recession-and-stock-market/</loc>
		<lastmod>2019-08-15T18:57:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-constitutes-having-3-6months-cash-on-hand/</loc>
		<lastmod>2019-08-16T18:58:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/50s-and-401k-question/</loc>
		<lastmod>2019-08-16T19:02:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/your-new-book/</loc>
		<lastmod>2019-08-17T19:05:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/drip-investments-in-utilities/</loc>
		<lastmod>2019-08-16T19:06:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/whole-life-insurance-policies/</loc>
		<lastmod>2019-08-18T19:10:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-club/</loc>
		<lastmod>2019-08-17T19:41:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-coins-find-a-dealer/</loc>
		<lastmod>2019-08-17T19:47:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/sons-inheritance/</loc>
		<lastmod>2019-08-18T19:51:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-does-national-debt-impact-retirees/</loc>
		<lastmod>2019-08-19T19:54:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/assisted-living-old-and-alone/</loc>
		<lastmod>2019-08-15T20:14:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/when-to-get-back-in-the-stock-market/</loc>
		<lastmod>2019-08-19T20:14:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inherited-stock-cost-basis-for-inheritor/</loc>
		<lastmod>2019-08-19T20:16:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/time-to-recover-from-potential-stock-market-decline/</loc>
		<lastmod>2019-08-15T20:21:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/withdrawal-from-ira-vs-claiming-social-security/</loc>
		<lastmod>2019-08-20T20:22:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-account-investment-advice/</loc>
		<lastmod>2019-08-18T20:26:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cook-county-property-delinquent-tax/</loc>
		<lastmod>2019-08-17T12:28:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/reinvesting-money-assets/</loc>
		<lastmod>2019-08-20T12:28:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/c-d-s-to-be-cashed-at-death/</loc>
		<lastmod>2019-08-17T12:40:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-401k/</loc>
		<lastmod>2019-08-21T12:40:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stocks-4/</loc>
		<lastmod>2019-08-17T12:50:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retired-401k-withdrawal/</loc>
		<lastmod>2019-08-17T13:13:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/major-invested-now-what/</loc>
		<lastmod>2019-08-21T13:24:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/restricted-credit-card/</loc>
		<lastmod>2019-08-22T13:26:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/senior-living-assisted-living-and-memory-care/</loc>
		<lastmod>2019-08-17T13:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401-k-investments/</loc>
		<lastmod>2019-08-22T13:40:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-refinance-2/</loc>
		<lastmod>2019-08-20T13:47:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-after-paying-cash/</loc>
		<lastmod>2019-08-18T13:50:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/best-pre-tax-investments-for-teachers/</loc>
		<lastmod>2019-08-22T13:53:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-options-for-safety/</loc>
		<lastmod>2019-08-18T15:04:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-to-do-with-my-403b-account/</loc>
		<lastmod>2019-08-18T15:15:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/home-proceeds/</loc>
		<lastmod>2019-08-19T15:15:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/thrift-savings-plan/</loc>
		<lastmod>2019-08-20T15:21:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-13/</loc>
		<lastmod>2019-08-21T15:25:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annuity-investment-at-age-87/</loc>
		<lastmod>2019-08-21T15:43:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fixed-index-annuity-3/</loc>
		<lastmod>2019-08-29T15:19:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/beneficiary-accounts/</loc>
		<lastmod>2019-08-29T15:23:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/small-business-owners-health-insurance/</loc>
		<lastmod>2019-08-29T15:25:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-off-mortgage-with-401k/</loc>
		<lastmod>2019-08-30T15:25:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401-saving-plan/</loc>
		<lastmod>2019-08-30T15:27:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/health-insurance-4/</loc>
		<lastmod>2019-08-29T15:33:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/insurance-for-small-business/</loc>
		<lastmod>2019-08-29T15:37:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/health-insurance-for-daughter/</loc>
		<lastmod>2019-08-31T15:38:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/health-insurance-forced/</loc>
		<lastmod>2019-08-31T15:43:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cash-investments-at-wealthfront/</loc>
		<lastmod>2019-08-30T15:59:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/6-months-emergency-funds/</loc>
		<lastmod>2019-08-30T16:17:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-to-help-not-enable-our-32-year-old-daughter/</loc>
		<lastmod>2019-08-30T16:28:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-for-senior-who-needs-the-money-to-last/</loc>
		<lastmod>2019-08-31T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/reverse-mortgage-considerations/</loc>
		<lastmod>2019-09-01T16:36:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-debt-9/</loc>
		<lastmod>2019-09-01T16:41:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-to-lease-a-car-ive-always-owned-but-my-son-thinks-i-should-lease/</loc>
		<lastmod>2019-09-01T16:44:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/dredit-card-debt/</loc>
		<lastmod>2019-08-29T17:06:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/treasury-bills-2/</loc>
		<lastmod>2019-09-02T17:06:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-savings-plan-vs-moms-care/</loc>
		<lastmod>2019-08-29T17:26:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/gold-mutual-funds/</loc>
		<lastmod>2019-08-29T19:21:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-for-grandchild-college/</loc>
		<lastmod>2019-08-29T19:25:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/trust-life-insurance/</loc>
		<lastmod>2019-09-01T14:17:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/llc-for-retirement-property-now-rented/</loc>
		<lastmod>2019-09-01T15:08:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-7/</loc>
		<lastmod>2019-09-07T13:45:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-funds-3/</loc>
		<lastmod>2019-09-07T13:56:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/making-my-money-grow-for-me/</loc>
		<lastmod>2019-09-08T13:57:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/life-insurance-policy-question/</loc>
		<lastmod>2019-09-07T14:06:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-annuity-getting-out/</loc>
		<lastmod>2019-09-08T14:06:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-insurance-in-your-40s/</loc>
		<lastmod>2019-09-08T14:09:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/leasing-vs-buying-a-car/</loc>
		<lastmod>2019-09-07T14:29:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financing-vs-outright-buy/</loc>
		<lastmod>2019-09-08T14:32:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/car-lease/</loc>
		<lastmod>2019-09-09T14:37:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/health-insurance-5/</loc>
		<lastmod>2019-09-10T14:30:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/refinancing-my-car-loan/</loc>
		<lastmod>2019-09-08T19:50:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/home-refinancing-for-kitchen-and-bathroom-remodeling/</loc>
		<lastmod>2019-09-15T14:20:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/t-bills-2/</loc>
		<lastmod>2019-09-15T14:22:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-rates/</loc>
		<lastmod>2019-09-15T14:28:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/insurance-3/</loc>
		<lastmod>2019-09-17T14:29:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/income-stream-and-home-mortgages/</loc>
		<lastmod>2019-09-16T14:30:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/home-owners-exemtion-on-a-rental-in-cook-county/</loc>
		<lastmod>2019-09-16T14:35:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/outlook-for-retirees-with-our-aberrant-economics/</loc>
		<lastmod>2019-09-15T14:43:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bankruptcy-5/</loc>
		<lastmod>2019-09-16T14:43:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/series-ee-bonds-vs-new-furniture/</loc>
		<lastmod>2019-09-17T14:49:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stock-market-2/</loc>
		<lastmod>2019-09-15T14:54:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-counselor/</loc>
		<lastmod>2019-09-15T14:56:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/health-insurance-6/</loc>
		<lastmod>2019-09-16T14:56:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-retirement-funds-with-an-insurance-co-ie-state-farm-vs-investing-with-a-company-like-wells-fargo-charles-schwab/</loc>
		<lastmod>2019-09-18T15:00:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-for-college-loans/</loc>
		<lastmod>2019-09-18T15:03:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-calculator/</loc>
		<lastmod>2019-09-21T12:49:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investments-for-later-retirement/</loc>
		<lastmod>2019-09-21T12:57:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/overseas-mortgage/</loc>
		<lastmod>2019-09-21T13:10:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/refinancing-ripoff/</loc>
		<lastmod>2019-09-21T13:24:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/converting-company-stock-into-an-annuity/</loc>
		<lastmod>2019-09-22T13:25:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/put-in-savings-invest-or-pay-down-credit-card-debit/</loc>
		<lastmod>2019-09-22T15:23:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/illinois-medicaid-and-co-owned-property/</loc>
		<lastmod>2019-09-21T20:04:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-retiree-should-have-in-portfolio/</loc>
		<lastmod>2019-09-22T20:04:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-refinancing-2/</loc>
		<lastmod>2019-09-23T20:14:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inherited-ira/</loc>
		<lastmod>2019-09-23T20:24:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-6/</loc>
		<lastmod>2019-09-23T20:31:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/consolidation-on-credit-debt/</loc>
		<lastmod>2019-09-22T20:46:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/interest-rates-4/</loc>
		<lastmod>2019-09-24T20:52:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annuities-was-i-taken/</loc>
		<lastmod>2019-09-24T20:53:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annuity/</loc>
		<lastmod>2019-09-24T21:01:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/changing-name-on-inherited-stock-certificate/</loc>
		<lastmod>2019-09-22T21:05:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-benefits-reduced-by-govt-pension/</loc>
		<lastmod>2019-09-21T21:15:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-15/</loc>
		<lastmod>2019-09-21T21:17:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pension-to-roth/</loc>
		<lastmod>2019-09-21T21:47:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pre-approved-for-a-mortgage/</loc>
		<lastmod>2019-09-26T15:04:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/using-a-traditional-ira-to-pay-for-kids-college/</loc>
		<lastmod>2019-09-26T15:15:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/chapter-13-bankruptcy/</loc>
		<lastmod>2019-09-26T15:21:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/reverse-mortgages-6/</loc>
		<lastmod>2019-09-26T15:24:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/trusts-wills-beneficiaries-everyone-please-read-this/</loc>
		<lastmod>2019-09-28T15:25:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-free-gifts-to-family-over-15k/</loc>
		<lastmod>2019-09-27T15:49:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fidelity-funds-for-roth-ira/</loc>
		<lastmod>2019-09-27T15:54:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/reverse-mortgages-terry-and-tom-selleck/</loc>
		<lastmod>2019-09-27T16:00:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/life-insurance-6/</loc>
		<lastmod>2019-10-11T02:33:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-lump-sum-payout-rollover/</loc>
		<lastmod>2019-10-12T21:40:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-bright-start-high-school-tuition/</loc>
		<lastmod>2019-10-12T21:43:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/substitution-for-payee-retirement-benefits/</loc>
		<lastmod>2019-10-12T21:47:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bank-accounts/</loc>
		<lastmod>2019-10-13T21:48:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-to-do-with-extra-money/</loc>
		<lastmod>2019-10-14T22:01:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/finances-after-a-personal-disaster/</loc>
		<lastmod>2019-10-13T01:26:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bonds-6/</loc>
		<lastmod>2019-10-14T01:26:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-college-fund-in-britain/</loc>
		<lastmod>2019-10-15T01:40:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-2/</loc>
		<lastmod>2019-10-15T01:44:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/childrens-name-on-title-of-house/</loc>
		<lastmod>2019-10-14T12:55:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-was-with-my-daughters-father-for-20-years-but-cannot-find-a-marriage-certificate/</loc>
		<lastmod>2019-10-13T13:11:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/company-ending-pension-plan/</loc>
		<lastmod>2019-10-14T13:12:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-rating/</loc>
		<lastmod>2019-10-16T13:18:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/united-states-saving-bonds/</loc>
		<lastmod>2019-10-16T13:23:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-delay/</loc>
		<lastmod>2019-10-15T13:26:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annunities/</loc>
		<lastmod>2019-10-16T13:28:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/hybrid-long-term-care/</loc>
		<lastmod>2019-10-13T13:35:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/high-credit-card-debt/</loc>
		<lastmod>2019-10-16T13:36:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/gift-to-me-is-it-taxable/</loc>
		<lastmod>2019-10-13T13:41:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-planners-2/</loc>
		<lastmod>2019-10-17T13:42:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/treasury-bill/</loc>
		<lastmod>2019-10-18T13:46:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-to-do-with-my-lump-sum-settlement/</loc>
		<lastmod>2019-10-13T13:57:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/budgeting-for-beginners/</loc>
		<lastmod>2019-10-16T13:58:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/future-assisted-living-plans/</loc>
		<lastmod>2019-10-17T14:02:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-401k-2/</loc>
		<lastmod>2019-10-13T14:25:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-planning/</loc>
		<lastmod>2019-10-17T14:27:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-loans-2/</loc>
		<lastmod>2019-10-18T14:34:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/small-business-health-insurance-3/</loc>
		<lastmod>2019-10-17T14:50:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pension-lump-sum-rollover/</loc>
		<lastmod>2019-10-19T14:53:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/loans/</loc>
		<lastmod>2019-10-19T15:02:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/when-to-get-out-of-the-stock-market/</loc>
		<lastmod>2019-10-13T15:13:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/reverse-mortgage-to-deal-with-student-loans/</loc>
		<lastmod>2019-10-14T15:13:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/reverse-mortgage-8/</loc>
		<lastmod>2019-10-14T15:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/need-a-plan-for-our-income/</loc>
		<lastmod>2019-10-14T15:51:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-5/</loc>
		<lastmod>2019-10-18T18:55:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/lottery-or-lawsuit-proceeds/</loc>
		<lastmod>2019-10-19T11:27:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fafsa-privacy/</loc>
		<lastmod>2019-10-21T23:20:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/still-working-after-70-and-with-an-hsa-and-medicare-part-a-only-should-i-cancel-my-medicare-a/</loc>
		<lastmod>2019-10-26T23:41:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/finding-afinancial-advisor/</loc>
		<lastmod>2019-10-26T23:43:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/past-taxes/</loc>
		<lastmod>2019-10-27T23:44:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/elderly-scamming/</loc>
		<lastmod>2019-10-26T23:57:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/elderly-owns-home-but-in-a-nursing-home/</loc>
		<lastmod>2019-10-27T23:57:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bills-buried-in-debt/</loc>
		<lastmod>2019-10-27T00:14:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/us-savings-bonds-3/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pay-off-home/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/deferred-comp-withdrawal/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/commission-free-trades/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/health-insurance-for-small-business-2/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/estate-documents-no-close-relatives/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/selling-atimeshare/</loc>
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		<lastmod>2019-11-10T13:34:34+00:00</lastmod>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/portfolio-advisory-services-fees-vs-gain/</loc>
		<lastmod>2019-11-11T13:44:09+00:00</lastmod>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/all-in-bond-fund-for-retirement-ira/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-rmds-what-to-do-with-them/</loc>
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		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/your-new-book-2/</loc>
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