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		<lastmod>2021-09-27T16:19:34+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/sell-car-now-but-then-lease/</loc>
		<lastmod>2021-09-27T16:22:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/low-risk-investment/</loc>
		<lastmod>2021-09-27T16:29:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fafsa-high-school-teacher-makes-it-easy/</loc>
		<lastmod>2021-09-27T16:36:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loans-17/</loc>
		<lastmod>2021-09-27T17:40:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-2020-tax-refund/</loc>
		<lastmod>2021-10-02T22:59:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/adding-a-child-for-the-tax-credit/</loc>
		<lastmod>2021-10-02T23:05:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fafsa-2/</loc>
		<lastmod>2021-10-02T23:07:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-on-spouses-record/</loc>
		<lastmod>2021-10-02T23:10:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/too-much-cash-2/</loc>
		<lastmod>2021-10-02T23:13:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/checks/</loc>
		<lastmod>2021-10-02T23:17:50+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/estimated-tax-payments/</loc>
		<lastmod>2021-10-02T23:19:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-vs-bank-cds/</loc>
		<lastmod>2021-10-02T23:22:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-14/</loc>
		<lastmod>2021-10-02T23:27:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/us-office-of-personnel-management/</loc>
		<lastmod>2021-10-04T20:59:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/closing-a-credit-card-account-that-is-over-40-years-old/</loc>
		<lastmod>2021-10-04T21:04:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/child-tax-credit-and-stimulus-money-available/</loc>
		<lastmod>2021-10-04T21:12:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/improving-fico-scores-prior-to-applying-for-a-mortgage-credit-coaching/</loc>
		<lastmod>2021-10-04T21:21:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/personal-finance-for-car-purchase/</loc>
		<lastmod>2021-10-04T21:27:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/still-waiting-for-a-tax-return/</loc>
		<lastmod>2021-10-04T21:32:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-25/</loc>
		<lastmod>2021-10-04T21:36:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401-k-options-for-investment/</loc>
		<lastmod>2021-10-09T16:52:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/2019-tax-3/</loc>
		<lastmod>2021-10-09T16:56:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/unemployment-taxes-not-refunded/</loc>
		<lastmod>2021-10-09T16:58:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/borrow-to-pay-off-credit-cards/</loc>
		<lastmod>2021-10-09T17:01:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/gifted-money-to-invest/</loc>
		<lastmod>2021-10-09T17:09:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/2020-unemployment-taxation/</loc>
		<lastmod>2021-10-11T17:09:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/home-equity/</loc>
		<lastmod>2021-10-10T17:11:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/income-tax-refund-stimulus-payment-missing/</loc>
		<lastmod>2021-10-10T17:16:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-reporting-error/</loc>
		<lastmod>2021-10-11T17:21:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ltc-insurance-3/</loc>
		<lastmod>2021-10-09T17:32:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/free-credit-score-2/</loc>
		<lastmod>2021-10-11T17:32:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/federal-tax-return/</loc>
		<lastmod>2021-10-10T17:37:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/car-payments/</loc>
		<lastmod>2021-10-09T17:47:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/redeming-ee-bonds/</loc>
		<lastmod>2021-10-12T17:47:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/eip-card-pin/</loc>
		<lastmod>2021-10-09T21:14:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/unemployment-benefits-being-recalled/</loc>
		<lastmod>2021-10-09T21:18:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ex-kept-my-stimulus-checks-and-tax-refunds/</loc>
		<lastmod>2021-10-09T21:24:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cancelling-social-security-benefits/</loc>
		<lastmod>2021-10-12T21:41:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/economic-impact-payments/</loc>
		<lastmod>2021-10-10T21:45:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stimulus-for-homeless/</loc>
		<lastmod>2021-10-11T21:51:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-off-home-loan/</loc>
		<lastmod>2021-10-13T22:10:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/savings-yield-vs-annuity/</loc>
		<lastmod>2021-10-13T22:15:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-rollover-while-still-working/</loc>
		<lastmod>2021-10-09T22:24:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/car-finance/</loc>
		<lastmod>2021-10-16T14:45:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/eip-card-pin-2/</loc>
		<lastmod>2021-10-16T14:54:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-14/</loc>
		<lastmod>2021-10-16T14:58:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/refinance-an-estate-locked-in-irrevocable-trust/</loc>
		<lastmod>2021-10-16T15:06:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-advantage-plans/</loc>
		<lastmod>2021-10-16T15:13:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-returns/</loc>
		<lastmod>2021-10-18T15:17:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/higher-costs-for-seniors/</loc>
		<lastmod>2021-10-17T15:26:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-mix-for-my-81-year-old-mothers-portfolio-bonds/</loc>
		<lastmod>2021-10-17T15:29:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-savings-investment/</loc>
		<lastmod>2021-10-18T15:35:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/universal-life-policy-raises-rates/</loc>
		<lastmod>2021-10-16T21:54:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-survivor-benefits/</loc>
		<lastmod>2021-10-18T15:40:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/the-third-3rd-of-the-federal-government-stimulus-checks/</loc>
		<lastmod>2021-10-16T15:48:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/savings-account-or-cd/</loc>
		<lastmod>2021-10-21T16:26:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-to-know-sisters-financial-situation/</loc>
		<lastmod>2021-10-21T16:30:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-contributions-2/</loc>
		<lastmod>2021-10-21T16:37:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-401k-vs-regular-401k-for-young-worker/</loc>
		<lastmod>2021-10-21T16:41:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/index-funds-or-money-market/</loc>
		<lastmod>2021-10-30T01:48:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/got-an-unexpected-refund/</loc>
		<lastmod>2021-10-30T01:54:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/dollars-in-bank-long-term-care/</loc>
		<lastmod>2021-10-30T02:02:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/go-bank-froze-my-account-and-wont-release-my-money/</loc>
		<lastmod>2021-10-30T02:07:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-refund-still-waiting/</loc>
		<lastmod>2021-10-31T01:07:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stimulus-checks-for-dependent-over-age-17/</loc>
		<lastmod>2021-10-31T01:10:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-supplement-help/</loc>
		<lastmod>2021-10-31T01:13:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-for-younger-spouse/</loc>
		<lastmod>2021-10-31T01:16:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/differences-in-investment-advice-and-fees/</loc>
		<lastmod>2021-10-31T01:22:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inheritance-pay-down-debt/</loc>
		<lastmod>2021-10-31T01:25:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/spouses-insurance-covers-retiree-so-no-part-b-necessary/</loc>
		<lastmod>2021-10-31T01:28:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/blue-cross-blue-shield-settlement-file-claim-now-heres-the-link/</loc>
		<lastmod>2021-10-31T01:31:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/short-term-loss-selling-condo/</loc>
		<lastmod>2021-11-01T01:31:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/heloc-6/</loc>
		<lastmod>2021-10-31T01:40:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/late-tax-payment/</loc>
		<lastmod>2021-11-01T01:40:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-insurance-in-a-life-insurance-policy/</loc>
		<lastmod>2021-10-31T01:45:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ss-benefits-reversal/</loc>
		<lastmod>2021-11-01T01:45:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs/</loc>
		<lastmod>2021-11-01T01:56:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cash-2/</loc>
		<lastmod>2021-11-02T01:59:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/life-ins-combo-with-long-term-care/</loc>
		<lastmod>2021-10-31T02:03:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/balance-transfer-ccs/</loc>
		<lastmod>2021-11-03T02:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-for-people-who-dont-qualify-for-s-s/</loc>
		<lastmod>2021-10-31T17:21:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/hsa-2022-contribution-limit-over-55/</loc>
		<lastmod>2021-11-03T17:22:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/secured-credit-cards/</loc>
		<lastmod>2021-10-31T21:41:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/selling-camper-for-more-than-i-paid/</loc>
		<lastmod>2021-10-31T21:44:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/free-credit-monitoring/</loc>
		<lastmod>2021-10-31T21:47:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/im-dying-how-do-i-withdraw-money-from-my-401k/</loc>
		<lastmod>2021-11-06T20:46:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/heathcare-gov-subsidies/</loc>
		<lastmod>2021-11-07T21:13:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/affordable-health-insurance-why-do-they-ask/</loc>
		<lastmod>2021-11-07T21:20:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/healthcare-gov-asks-for-more-info/</loc>
		<lastmod>2021-11-07T21:23:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/aca/</loc>
		<lastmod>2021-11-07T21:25:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/hca-promises/</loc>
		<lastmod>2021-11-07T21:28:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-planner-i-can-trust/</loc>
		<lastmod>2021-11-07T21:32:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mail-in-someone-elses-name/</loc>
		<lastmod>2021-11-08T21:32:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stock-market-introduction-for-teens/</loc>
		<lastmod>2021-11-08T21:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/freezing-credit-4/</loc>
		<lastmod>2021-11-08T21:54:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-payoff/</loc>
		<lastmod>2021-11-07T22:01:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/re-debt-to-liquidated-company/</loc>
		<lastmod>2021-11-08T22:01:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/real-estate-3/</loc>
		<lastmod>2021-11-09T22:04:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-15/</loc>
		<lastmod>2021-11-07T22:07:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/genworth-long-term-insurance/</loc>
		<lastmod>2021-11-08T22:07:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-supplement-how-to-choose/</loc>
		<lastmod>2021-11-07T22:18:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/debt-consolidation-8/</loc>
		<lastmod>2021-11-15T23:13:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/refund-of-taxes-paid-on-10200-of-unemployment-benefits/</loc>
		<lastmod>2021-11-15T23:15:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/trust-filing-as-an-estate-under-sec-645/</loc>
		<lastmod>2021-11-15T23:16:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/saving-bonds-not-included-in-trust/</loc>
		<lastmod>2021-11-15T23:22:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmd-on-ira-from-deceased-spouse/</loc>
		<lastmod>2021-11-15T23:26:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/incarcerated-and-didnt-get-all-the-refunds/</loc>
		<lastmod>2021-11-15T23:30:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/still-waiting-for-stimulus/</loc>
		<lastmod>2021-11-16T23:30:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/1st-time-medicare-enrollment/</loc>
		<lastmod>2021-11-16T23:32:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bob-froelich-forecast-question/</loc>
		<lastmod>2021-11-15T23:47:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/minimum-401k-withdrawal/</loc>
		<lastmod>2021-11-16T23:47:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fed-tax-return/</loc>
		<lastmod>2021-11-17T23:49:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/employer-health-insurance-with-temporary-agency/</loc>
		<lastmod>2021-11-15T23:58:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-in-ibonds-for-senior/</loc>
		<lastmod>2021-11-19T16:18:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/dividend-reinvestment/</loc>
		<lastmod>2021-11-19T16:20:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stock-sale-and-repurchase/</loc>
		<lastmod>2021-11-19T16:24:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-repayment-programs/</loc>
		<lastmod>2021-11-19T16:29:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pre-tax-transit-account/</loc>
		<lastmod>2021-11-19T16:35:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/missing-accountant-business-closed/</loc>
		<lastmod>2021-11-19T16:40:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/government-i-bonds/</loc>
		<lastmod>2021-11-19T16:41:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/international-bonds/</loc>
		<lastmod>2021-11-19T16:43:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-to-roth/</loc>
		<lastmod>2021-11-19T16:46:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/series-i-bonds/</loc>
		<lastmod>2021-11-19T16:50:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/saving-bonds-series-ee/</loc>
		<lastmod>2021-11-19T16:55:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-vs-employer-health-insurance/</loc>
		<lastmod>2021-11-19T17:02:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-3/</loc>
		<lastmod>2021-11-20T17:02:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/marriage-after-50-years/</loc>
		<lastmod>2021-11-19T17:12:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-score-9/</loc>
		<lastmod>2021-11-20T17:12:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/savings-bonds-series-ee-from-deceased-parent/</loc>
		<lastmod>2021-11-20T17:13:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/series-i-bonds-2/</loc>
		<lastmod>2021-11-19T22:03:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/life-care-community-refund/</loc>
		<lastmod>2021-11-19T22:11:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/personal-loan-to-boost-credit-score/</loc>
		<lastmod>2021-11-19T22:17:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-distributions-to-a-spousal-beneficiary/</loc>
		<lastmod>2021-11-19T22:24:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/federal-interest-withheld-2/</loc>
		<lastmod>2021-11-19T22:43:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/is-refinancing-or-paying-the-escrow-shortage-a-good-idea/</loc>
		<lastmod>2021-11-19T22:49:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fiduciary-financial-advisor-and-investment-returns/</loc>
		<lastmod>2021-11-19T22:54:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-at-age-62-for-disabled/</loc>
		<lastmod>2021-11-23T01:58:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/check-made-payable-to-two-estates/</loc>
		<lastmod>2021-11-23T02:01:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loans-pay-off-or-wait-hope-for-forgiveness/</loc>
		<lastmod>2021-11-23T02:04:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/opting-out-of-arbitration-with-bank/</loc>
		<lastmod>2021-11-23T02:10:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/insurance-for-small-business-2/</loc>
		<lastmod>2021-11-24T19:20:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investments-11/</loc>
		<lastmod>2021-11-24T19:22:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/new-roth-iras-for-working-grandkids/</loc>
		<lastmod>2021-11-29T15:55:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmds-2/</loc>
		<lastmod>2021-11-29T15:56:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cashing-savings-bonds/</loc>
		<lastmod>2021-11-29T15:57:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmds-and-roth-iras/</loc>
		<lastmod>2021-11-29T15:59:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/selling-gold-and-silver/</loc>
		<lastmod>2021-11-29T16:05:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-insurance-29/</loc>
		<lastmod>2021-11-30T17:09:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-beneficiaries/</loc>
		<lastmod>2021-11-30T17:11:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/trying-to-pay-off-reverse-morgage/</loc>
		<lastmod>2021-11-30T18:02:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/supplemental-medicare-coverage-vs-advantage/</loc>
		<lastmod>2021-11-30T18:13:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/government-i-bonds-2/</loc>
		<lastmod>2021-11-30T18:16:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/vanguard/</loc>
		<lastmod>2021-11-30T18:20:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/beneficiary-claim/</loc>
		<lastmod>2021-11-30T18:23:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-plan-4/</loc>
		<lastmod>2021-11-30T18:59:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/series-i-savings-bonds/</loc>
		<lastmod>2021-11-30T19:10:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/debt-versus-savings/</loc>
		<lastmod>2021-11-30T19:11:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stimulus-check-97/</loc>
		<lastmod>2021-11-30T19:13:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stock-sale-and-2021-taxes-plus-selling-other-shares-to-offset-gains/</loc>
		<lastmod>2021-11-30T19:15:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-ownership/</loc>
		<lastmod>2021-11-30T19:18:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmds-lower-taxes/</loc>
		<lastmod>2021-11-30T19:20:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-part-b-special-enrollment-period/</loc>
		<lastmod>2021-11-30T19:22:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-policy/</loc>
		<lastmod>2021-11-30T19:32:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/converting-roth-to-annuity/</loc>
		<lastmod>2021-12-01T19:32:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pension-rollover/</loc>
		<lastmod>2021-12-01T19:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-advantage/</loc>
		<lastmod>2021-12-01T19:46:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/keeping-series-e-savings-bonds-past-their-maturity/</loc>
		<lastmod>2021-12-01T00:02:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/series-i-bonds-3/</loc>
		<lastmod>2021-12-01T00:04:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-to-roth-ira-conversion-after-retiring/</loc>
		<lastmod>2021-12-01T00:09:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/income-vs-premium-subsidy/</loc>
		<lastmod>2021-12-01T00:13:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-disability-and-or-401-withdrawals/</loc>
		<lastmod>2021-12-01T00:21:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/to-buy-or-not-to-buy/</loc>
		<lastmod>2021-12-01T00:31:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/il-insurance-dept/</loc>
		<lastmod>2021-12-03T22:18:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-supplemental-health-insurance/</loc>
		<lastmod>2021-12-03T22:31:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bonds-8/</loc>
		<lastmod>2021-12-03T22:35:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bond-fund-alternatives/</loc>
		<lastmod>2021-12-03T22:37:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-needed-if-i-have-decent-assets-and-no-dependents/</loc>
		<lastmod>2021-12-03T22:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/delayed-tax-return/</loc>
		<lastmod>2021-12-03T22:45:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-returns-2/</loc>
		<lastmod>2021-12-04T22:45:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmd-correction-in-this-weeks-column/</loc>
		<lastmod>2021-12-05T14:22:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-early-payoff/</loc>
		<lastmod>2021-12-13T22:17:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-rmds-3/</loc>
		<lastmod>2021-12-13T22:40:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/refinancing-for-seniors/</loc>
		<lastmod>2021-12-13T22:42:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/refinancing-but-who-do-you-trust/</loc>
		<lastmod>2021-12-13T22:44:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/piggy-bank/</loc>
		<lastmod>2021-12-13T22:45:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-to-do-with-500k-in-many-different-accounts/</loc>
		<lastmod>2021-12-13T22:54:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/buy-a-second-home/</loc>
		<lastmod>2021-12-13T22:59:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-to-roth/</loc>
		<lastmod>2021-12-13T23:02:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/income-tax-filing-for-widower/</loc>
		<lastmod>2021-12-13T23:08:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ibond-questions/</loc>
		<lastmod>2021-12-13T23:10:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cash-overload/</loc>
		<lastmod>2021-12-14T16:49:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/treasury-bonds-2/</loc>
		<lastmod>2021-12-14T18:01:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annuities-14/</loc>
		<lastmod>2021-12-14T18:03:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pension-4/</loc>
		<lastmod>2021-12-14T18:05:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-pause/</loc>
		<lastmod>2021-12-14T18:07:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inflated-food-and-utility-prices-for-retirees/</loc>
		<lastmod>2021-12-14T18:09:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/data-breach-notice-of-deceased-father/</loc>
		<lastmod>2021-12-14T18:12:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/working-from-home-claim-on-taxes/</loc>
		<lastmod>2021-12-14T18:15:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/grandparent-529/</loc>
		<lastmod>2021-12-15T17:55:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retired-but-want-to-buy-a-rental-property/</loc>
		<lastmod>2021-12-15T17:57:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-7/</loc>
		<lastmod>2021-12-15T17:58:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-down-mortgage/</loc>
		<lastmod>2021-12-15T18:01:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/federal-tax-return-2/</loc>
		<lastmod>2021-12-17T16:54:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inherited-ira-3/</loc>
		<lastmod>2021-12-18T23:41:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/home-ownership/</loc>
		<lastmod>2021-12-18T23:44:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-settlement/</loc>
		<lastmod>2021-12-18T23:47:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pre-approved-mortgage/</loc>
		<lastmod>2021-12-18T23:49:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-refund-15/</loc>
		<lastmod>2021-12-18T23:51:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/disabled-seniors-student-loans-still-not-forgiven/</loc>
		<lastmod>2021-12-18T23:54:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-debt-help/</loc>
		<lastmod>2021-12-18T23:55:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/robinhood-unauthorized-stock-sale/</loc>
		<lastmod>2021-12-19T00:02:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/american-rescue-plan-act/</loc>
		<lastmod>2021-12-19T00:03:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-no-match/</loc>
		<lastmod>2021-12-19T00:07:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/experian-account-access/</loc>
		<lastmod>2021-12-19T00:09:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-and-my-savings/</loc>
		<lastmod>2021-12-19T00:23:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-to-do-with-money-in-work-retirement-account-that-is-being-discontinued/</loc>
		<lastmod>2021-12-19T00:25:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-during-retirement-2/</loc>
		<lastmod>2021-12-19T00:29:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/converting-401ks-to-roth/</loc>
		<lastmod>2021-12-19T00:36:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/payoff-house-or-keep-in-the-market/</loc>
		<lastmod>2021-12-19T00:41:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cashing-in-us-savings-bonds/</loc>
		<lastmod>2021-12-19T00:44:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-refund-16/</loc>
		<lastmod>2021-12-19T00:46:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/emergency-funds/</loc>
		<lastmod>2021-12-19T00:47:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-off-mortgage-with-401k-2/</loc>
		<lastmod>2021-12-19T00:52:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/10200-00-deduction-for-unemployment-compensation/</loc>
		<lastmod>2021-12-20T00:52:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-refinancing-while-unemployed/</loc>
		<lastmod>2021-12-20T00:54:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/initial-enrollment-medicare/</loc>
		<lastmod>2021-12-20T01:01:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/index-linked-deferred-annuities/</loc>
		<lastmod>2021-12-20T01:05:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/interested-in-an-annuity/</loc>
		<lastmod>2021-12-19T01:20:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/online-savings-account-3/</loc>
		<lastmod>2021-12-19T22:20:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-insurance-30/</loc>
		<lastmod>2021-12-19T22:23:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-in-retirement/</loc>
		<lastmod>2021-12-20T16:02:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-refinance-2/</loc>
		<lastmod>2021-12-20T16:42:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/state-took-unemployment-back-from-87-year-old-woman/</loc>
		<lastmod>2021-12-20T22:46:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irmaa-penalty/</loc>
		<lastmod>2021-12-21T21:38:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-penalty-on-retirement-withdrawal/</loc>
		<lastmod>2021-12-21T21:41:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/interest-on-loan/</loc>
		<lastmod>2021-12-22T01:52:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-tax-how-to-decide-withholding/</loc>
		<lastmod>2021-12-22T14:25:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loans-18/</loc>
		<lastmod>2021-12-22T14:37:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-benefits-for-couple-when-one-dies/</loc>
		<lastmod>2021-12-22T14:42:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/sons-personal-information/</loc>
		<lastmod>2021-12-22T15:02:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/parent-plus-loan-4/</loc>
		<lastmod>2021-12-22T19:00:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/1st-time-home-buyer/</loc>
		<lastmod>2021-12-22T19:06:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-for-spouse-2/</loc>
		<lastmod>2021-12-22T19:09:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/divorce-and-stimulus-money/</loc>
		<lastmod>2021-12-22T19:11:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-2020-refunds/</loc>
		<lastmod>2021-12-22T19:12:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-23/</loc>
		<lastmod>2021-12-22T19:14:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/quarterly-payments-and-sold-condo-at-a-loss/</loc>
		<lastmod>2021-12-23T17:41:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/2019-tax-return-refile-help/</loc>
		<lastmod>2021-12-23T17:43:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-rmd-start-date-and-rules/</loc>
		<lastmod>2021-12-23T17:46:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmd-requirement-dedline/</loc>
		<lastmod>2021-12-23T17:48:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pension-worth-working-longer/</loc>
		<lastmod>2021-12-23T17:50:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-future-benefits/</loc>
		<lastmod>2021-12-23T17:52:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-is-too-aggressive/</loc>
		<lastmod>2021-12-23T17:54:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/finances-101/</loc>
		<lastmod>2021-12-23T17:56:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/where-to-start-terrys-advice/</loc>
		<lastmod>2021-12-23T17:59:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmd-9/</loc>
		<lastmod>2021-12-26T16:30:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/granddaughter-savings-school-or-ira/</loc>
		<lastmod>2021-12-26T16:32:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stockpile/</loc>
		<lastmod>2021-12-26T16:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-26/</loc>
		<lastmod>2021-12-26T16:38:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-off-my-mortgage/</loc>
		<lastmod>2021-12-26T16:40:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-rollovers-roth/</loc>
		<lastmod>2021-12-26T16:44:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/charitable-gifts-for-2021/</loc>
		<lastmod>2021-12-28T16:46:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-suggestion/</loc>
		<lastmod>2021-12-28T19:41:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ides-14/</loc>
		<lastmod>2021-12-28T19:43:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/business-investing/</loc>
		<lastmod>2021-12-28T19:45:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/funds-from-sale-of-home/</loc>
		<lastmod>2021-12-28T19:49:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/savings-bonds-redemption/</loc>
		<lastmod>2021-12-28T19:51:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-4/</loc>
		<lastmod>2021-12-28T19:54:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-money-belongs-to-her/</loc>
		<lastmod>2021-12-28T19:56:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-in-one-place/</loc>
		<lastmod>2021-12-28T19:58:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-letter-indicating-we-havent-received-your-tax-return-terry-gets-irs-answer/</loc>
		<lastmod>2021-12-28T20:02:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/federal-tax-refund-6/</loc>
		<lastmod>2021-12-29T20:02:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/index-funds-4/</loc>
		<lastmod>2021-12-29T20:06:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/deferred-comp/</loc>
		<lastmod>2021-12-29T20:13:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/selling-a-mutual-fund/</loc>
		<lastmod>2021-12-29T20:15:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-requirements-for-irrevocable-trust-terry-challenges-questioner/</loc>
		<lastmod>2021-12-28T20:29:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-mandatory-disbursement/</loc>
		<lastmod>2021-12-29T20:29:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/public-loan-forgiveness-vs-consolidation/</loc>
		<lastmod>2021-12-29T20:33:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/transfer-money/</loc>
		<lastmod>2021-12-29T20:37:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/emergency-fund-in-vanguard-muni-bonds/</loc>
		<lastmod>2021-12-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-to-take-my-pension-without-being-taxed/</loc>
		<lastmod>2021-12-30T20:42:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmd-and-buying-physical-gold/</loc>
		<lastmod>2021-12-30T21:01:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-benefits-at-62-heed-terrys-warning/</loc>
		<lastmod>2021-12-29T22:58:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/collection-from-a-debt-collector-that-i-do-not-recognize/</loc>
		<lastmod>2021-12-31T20:26:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmd-terrys-error-on-wgn-calculation/</loc>
		<lastmod>2021-12-31T20:29:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cp-80-irs-notice/</loc>
		<lastmod>2021-12-31T20:30:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/capital-gains-and-1031/</loc>
		<lastmod>2021-12-31T20:32:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cashier-check/</loc>
		<lastmod>2021-12-31T20:34:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inherited-money-3/</loc>
		<lastmod>2021-12-31T20:41:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-payoff-4/</loc>
		<lastmod>2021-12-31T20:47:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-16/</loc>
		<lastmod>2021-12-31T20:50:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-9/</loc>
		<lastmod>2021-12-31T20:52:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-rollover-and-2019-income-tax/</loc>
		<lastmod>2021-12-31T20:57:43+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/best-ways-to-save-for-a-young-child/</loc>
		<lastmod>2021-12-31T21:02:56+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/convert-a-traditional-ira-to-roth/</loc>
		<lastmod>2021-12-31T21:06:38+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/att-common-shares/</loc>
		<lastmod>2022-01-02T21:07:58+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financing-a-remodel-on-a-vacation-home-in-a-different-state/</loc>
		<lastmod>2022-01-02T21:11:15+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-ira-and-long-term-insurance/</loc>
		<lastmod>2022-01-02T21:14:17+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-return-7/</loc>
		<lastmod>2022-01-02T21:16:52+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/40l-k-withdrawal-costly/</loc>
		<lastmod>2021-12-31T21:25:32+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/moving-money-from-traditional-ira-to-a-roth-ira/</loc>
		<lastmod>2022-01-02T14:44:17+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/did-not-get-my-tax-money-last-year-and-why/</loc>
		<lastmod>2022-01-02T14:46:55+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/llc-corp/</loc>
		<lastmod>2022-01-02T14:56:00+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/right-time-to-purchase-investment-property/</loc>
		<lastmod>2022-01-02T14:59:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-terry-says-relax-and-enjoy-at-age-79/</loc>
		<lastmod>2022-01-02T15:05:48+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/reverse-mortgage-dont-look-back/</loc>
		<lastmod>2022-01-02T15:11:40+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/loan-to-your-only-son-will-you-foreclose/</loc>
		<lastmod>2022-01-02T15:15:21+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/kudoos/</loc>
		<lastmod>2022-01-02T15:16:42+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/reverse-mortgage-heir-possibilities-if-not-named/</loc>
		<lastmod>2022-01-02T20:54:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-youre-about-to-make-a-huge-mistake-says-terry/</loc>
		<lastmod>2022-01-05T17:43:45+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/affordable-health-care-coverage/</loc>
		<lastmod>2022-01-05T17:46:05+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-for-self-employed/</loc>
		<lastmod>2022-01-05T17:48:28+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/federal-tax-refund-for-2020/</loc>
		<lastmod>2022-01-05T17:55:15+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/do-i-get-a-4th-stimulus/</loc>
		<lastmod>2022-01-06T04:30:42+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-for-14-year-old/</loc>
		<lastmod>2022-01-06T04:32:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-at-death/</loc>
		<lastmod>2022-01-06T04:35:23+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/self-directed-ira/</loc>
		<lastmod>2022-01-06T04:37:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-to-manage-retirement-portfolio-without-a-professional-money-manager/</loc>
		<lastmod>2022-01-06T04:41:28+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/covid-vacation-pay/</loc>
		<lastmod>2022-01-06T04:43:47+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-to-best-handle-old-debt/</loc>
		<lastmod>2022-01-06T04:47:05+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/if-i-should-pay-off-my-home-equity-loan/</loc>
		<lastmod>2022-01-08T22:12:17+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-insurance-31/</loc>
		<lastmod>2022-01-08T22:13:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mediare-part-d/</loc>
		<lastmod>2022-01-08T22:17:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/whether-or-not-to-pay-off-mortgage-with-some-of-my-retirement-funds/</loc>
		<lastmod>2022-01-08T22:18:51+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retiring-and-wanting-a-financial-advisor/</loc>
		<lastmod>2022-01-08T22:21:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/another-credit-bureau/</loc>
		<lastmod>2022-01-08T22:22:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/withdrawing-from-401k-plan-early/</loc>
		<lastmod>2022-01-08T22:24:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/new-3rd-party-sellers-tax-law-for-2022/</loc>
		<lastmod>2022-01-08T22:26:19+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/traditional-ira-for-non-working-spouse/</loc>
		<lastmod>2022-01-10T02:05:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/back-refund/</loc>
		<lastmod>2022-01-10T02:08:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cd-investing-for-son/</loc>
		<lastmod>2022-01-10T21:28:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-27/</loc>
		<lastmod>2022-01-10T21:36:05+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-fees/</loc>
		<lastmod>2022-01-10T21:38:18+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-refund-2021/</loc>
		<lastmod>2022-01-10T21:39:20+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/2020-amended-tax-return-status/</loc>
		<lastmod>2022-01-10T21:40:53+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-payoff-2/</loc>
		<lastmod>2022-01-14T22:34:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/son-cd-investment/</loc>
		<lastmod>2022-01-14T22:39:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/shared-credit-card-woes-after-death/</loc>
		<lastmod>2022-01-14T22:41:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-debt-in-old-age/</loc>
		<lastmod>2022-01-14T22:44:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pretax-travel-funds/</loc>
		<lastmod>2022-01-15T02:20:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/renew-cd-or-wait/</loc>
		<lastmod>2022-01-15T02:21:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/savings-7/</loc>
		<lastmod>2022-01-15T02:24:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-advisor-5/</loc>
		<lastmod>2022-01-15T02:25:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-rmd-vs-457/</loc>
		<lastmod>2022-01-15T02:27:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-advice/</loc>
		<lastmod>2022-01-15T02:31:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-at-retirement-2/</loc>
		<lastmod>2022-01-15T02:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/deferred-comp-2/</loc>
		<lastmod>2022-01-15T02:37:17+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inheritance-7/</loc>
		<lastmod>2022-01-15T02:41:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/income-based-payment-plan-for-parent-plus-loan/</loc>
		<lastmod>2022-01-15T02:44:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-accounts-grandparent-or-parent/</loc>
		<lastmod>2022-01-15T02:47:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stimulus-check-from-the-state-of-illinois/</loc>
		<lastmod>2022-01-15T02:52:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/which-bank-has-6-interest-for-10000-deposit-and-what-government-website-do-you-use/</loc>
		<lastmod>2022-01-15T02:55:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/home-equity-loan-vs-15-year-refinancing/</loc>
		<lastmod>2022-01-15T02:59:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/is-the-full-cost-of-memory-care-assisted-living-deductible-for-federal-tax-purposes/</loc>
		<lastmod>2022-01-15T03:07:01+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/still-waiting-for-federal-tax-refund/</loc>
		<lastmod>2022-01-16T15:59:09+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/deceased-husbands-1099g-form/</loc>
		<lastmod>2022-01-16T16:02:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/single-female-new-401k-roth-or-traditional-pre-tax/</loc>
		<lastmod>2022-01-16T16:07:11+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-deferred-unemployment-benefits/</loc>
		<lastmod>2022-01-16T16:09:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-made-me-play-lets-make-a-deal/</loc>
		<lastmod>2022-01-16T16:13:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cds-3/</loc>
		<lastmod>2022-01-16T21:50:32+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/child-tax-credit-shared-with-ex/</loc>
		<lastmod>2022-01-16T21:55:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-advice/</loc>
		<lastmod>2022-01-16T21:56:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/income-sources-for-seniors/</loc>
		<lastmod>2022-01-16T22:03:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/w-2s/</loc>
		<lastmod>2022-01-16T22:08:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-moving-my457/</loc>
		<lastmod>2022-01-16T22:10:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-11/</loc>
		<lastmod>2022-01-17T01:21:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-advisors-3/</loc>
		<lastmod>2022-01-17T01:23:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-10/</loc>
		<lastmod>2022-01-17T01:26:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmd-10/</loc>
		<lastmod>2022-01-17T17:16:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bob-froelich/</loc>
		<lastmod>2022-01-17T17:16:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-impacted-by-home-sale/</loc>
		<lastmod>2022-01-17T21:20:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-lock/</loc>
		<lastmod>2022-01-18T19:09:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmd-11/</loc>
		<lastmod>2022-01-20T15:14:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/should-i-take-advantage-of-identiy-monitoring-services-after-learning-of-a-data-breach-to-my-financial-account/</loc>
		<lastmod>2022-01-20T15:17:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-5/</loc>
		<lastmod>2022-01-20T15:19:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/feed-back/</loc>
		<lastmod>2022-01-20T15:20:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/illinois-estate-tax-2/</loc>
		<lastmod>2022-01-20T15:25:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/survivor-benefits-from-social-security/</loc>
		<lastmod>2022-01-20T15:30:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/unbiased-financial-advice/</loc>
		<lastmod>2022-01-23T01:00:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fixed-annuities-2/</loc>
		<lastmod>2022-01-23T01:06:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-ira-excess-contribution/</loc>
		<lastmod>2022-01-23T01:13:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fraudulent-taxes-filed/</loc>
		<lastmod>2022-01-23T01:18:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/monetary-gifts/</loc>
		<lastmod>2022-01-23T01:20:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-emergency/</loc>
		<lastmod>2022-01-23T01:21:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-6/</loc>
		<lastmod>2022-01-23T17:54:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/hsa-uses-for-medicare/</loc>
		<lastmod>2022-01-23T17:58:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-debt-18/</loc>
		<lastmod>2022-01-25T16:00:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/volatile-market/</loc>
		<lastmod>2022-01-25T16:18:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inheritance-8/</loc>
		<lastmod>2022-01-25T16:21:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retiree-medical-costs-soar/</loc>
		<lastmod>2022-01-25T16:38:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/1099-s-form/</loc>
		<lastmod>2022-01-25T16:41:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-traditional-and-roth-age-75-77-under-250000/</loc>
		<lastmod>2022-01-26T03:18:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/selling-your-car/</loc>
		<lastmod>2022-01-26T18:02:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/moving-stock-401k-retirement-funds-to-a-safer-fund-assuming-stock-rates-will-drop-this-year/</loc>
		<lastmod>2022-01-26T22:11:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/series-i-bonds-4/</loc>
		<lastmod>2022-01-26T22:14:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pay-off-mortgage-or-invest/</loc>
		<lastmod>2022-01-26T22:19:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/life-insurance-9/</loc>
		<lastmod>2022-01-26T22:21:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/electronic-filing-of-federal-tax-return/</loc>
		<lastmod>2022-01-26T22:24:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/where-are-people-moving-their-money-to-as-they-sell-off-their-stock-on-the-sp-500-january-roller-coaster-ride/</loc>
		<lastmod>2022-01-26T22:26:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/im-on-social-security-and-do-i-need-to-file-taxes/</loc>
		<lastmod>2022-01-27T00:01:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-pin-number/</loc>
		<lastmod>2022-01-27T00:04:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-spouses-or-mine/</loc>
		<lastmod>2022-01-27T00:13:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/survivorship-vs-life-insurance/</loc>
		<lastmod>2022-01-27T00:28:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxes-6/</loc>
		<lastmod>2022-01-27T00:31:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/parent-plus-loan-on-disability-income/</loc>
		<lastmod>2022-01-27T00:42:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ides-receipt-1099g/</loc>
		<lastmod>2022-01-27T01:37:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/missing-refund-from-irs/</loc>
		<lastmod>2022-01-27T01:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investments-12/</loc>
		<lastmod>2022-01-27T01:39:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-filing/</loc>
		<lastmod>2022-01-27T01:40:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/receiving-money-as-a-gift/</loc>
		<lastmod>2022-01-27T01:42:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-24/</loc>
		<lastmod>2022-01-27T01:47:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/gifting-to-five-great-grandkids-of-what/</loc>
		<lastmod>2022-01-27T16:28:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/sons-student-loan-forgivenessgovernment-job/</loc>
		<lastmod>2022-01-27T18:32:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-planning-3/</loc>
		<lastmod>2022-01-27T18:36:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/vacation-funds/</loc>
		<lastmod>2022-01-28T23:41:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-contribution/</loc>
		<lastmod>2022-01-28T23:42:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/3rd-stimulus-2/</loc>
		<lastmod>2022-01-28T23:56:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/missing-refund-from-irs-2/</loc>
		<lastmod>2022-01-28T23:57:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/interest-rates-5/</loc>
		<lastmod>2022-01-28T23:58:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-off-student-loan-before-forbearance-is-over/</loc>
		<lastmod>2022-01-29T00:01:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-7/</loc>
		<lastmod>2022-01-30T00:39:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ssa/</loc>
		<lastmod>2022-01-30T00:44:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ads-for-bonus-bank-saving-and-checking/</loc>
		<lastmod>2022-01-30T00:51:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/trust-fund-for-daughter/</loc>
		<lastmod>2022-01-30T00:56:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/affordable-medical-insurance/</loc>
		<lastmod>2022-01-30T01:00:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rmds-3/</loc>
		<lastmod>2022-01-30T18:37:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-liabilities-for-one-time-large-payment-from-sale-of-shareholder-stock/</loc>
		<lastmod>2022-01-30T18:42:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stock-market-woes-whos-to-blame/</loc>
		<lastmod>2022-01-30T18:48:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/late-in-taking-my-2021-rmd/</loc>
		<lastmod>2022-01-30T18:49:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/why-between-noon-and-2pm-does-the-stock-market-dive/</loc>
		<lastmod>2022-01-30T18:51:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/follow-up-irs-letter-indicating-we-havent-received-your-tax-return/</loc>
		<lastmod>2022-01-30T19:10:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/budget-help-please/</loc>
		<lastmod>2022-02-01T19:10:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-letter-cp80/</loc>
		<lastmod>2022-02-01T19:18:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/unemployment-payback-ides-is-at-it-again-says-terry/</loc>
		<lastmod>2022-01-30T20:01:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/compound-interest-account/</loc>
		<lastmod>2022-02-01T20:02:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-to-earn-higher-interest-rate-on-chicken-money/</loc>
		<lastmod>2022-02-01T10:05:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/2020-taxes/</loc>
		<lastmod>2022-02-02T20:30:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/infinite-banking/</loc>
		<lastmod>2022-02-02T20:32:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annuities-15/</loc>
		<lastmod>2022-02-02T20:38:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bungee-jump-stock-market-reader-reaction/</loc>
		<lastmod>2022-01-30T20:46:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-12/</loc>
		<lastmod>2022-02-03T20:47:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/saving-money-to-buy-stash-stock/</loc>
		<lastmod>2022-02-03T20:49:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retiree-medical-expenses/</loc>
		<lastmod>2022-02-04T21:01:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/75-stocks-mutual-funds-and-25-cds-money-market-accounts-and-us-savings-bonds/</loc>
		<lastmod>2022-02-03T21:05:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-28/</loc>
		<lastmod>2022-01-30T21:12:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/kotlikoff/</loc>
		<lastmod>2022-01-30T21:29:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxes-7/</loc>
		<lastmod>2022-01-30T21:31:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cash-apps/</loc>
		<lastmod>2022-02-03T21:35:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-off-vehicle/</loc>
		<lastmod>2022-02-01T21:43:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/heloc-and-retirement/</loc>
		<lastmod>2022-01-31T01:58:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/gifting-2/</loc>
		<lastmod>2022-01-31T01:59:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/2020-tax-refunds/</loc>
		<lastmod>2022-02-07T16:30:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/should-i-rent-or-buy/</loc>
		<lastmod>2022-02-07T16:33:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/vaccination-record-ilogin-and-experian/</loc>
		<lastmod>2022-02-07T16:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/1099-on-sale-of-home/</loc>
		<lastmod>2022-02-07T16:48:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-letter-indicating-we-havent-received-your-tax-return-good-advice-from-reader/</loc>
		<lastmod>2022-02-07T16:53:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/treasury-bonds-series-i/</loc>
		<lastmod>2022-02-08T16:53:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stash-app/</loc>
		<lastmod>2022-02-07T16:59:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-identity-theft/</loc>
		<lastmod>2022-02-07T17:05:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-fees/</loc>
		<lastmod>2022-02-08T01:41:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-adviser-2/</loc>
		<lastmod>2022-02-08T01:43:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-8/</loc>
		<lastmod>2022-02-08T01:50:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/money-gift-giving/</loc>
		<lastmod>2022-02-08T01:51:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/new-cash-app-tax-law/</loc>
		<lastmod>2022-02-08T01:53:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-letters/</loc>
		<lastmod>2022-02-08T01:58:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/unemployment-tax-refund-2/</loc>
		<lastmod>2022-02-08T01:59:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/new-irs-reporting-rules-on-sales-over-600/</loc>
		<lastmod>2022-02-08T02:03:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/keep-end-of-year-bill-receipts-statements/</loc>
		<lastmod>2022-02-08T02:17:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-17/</loc>
		<lastmod>2022-02-08T02:20:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-advantage-v-supplement/</loc>
		<lastmod>2022-02-08T02:24:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/1099-c-taxes-on-my-credit-card-debt-settlement/</loc>
		<lastmod>2022-02-08T02:28:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/long-term-care-insurance-worth-it/</loc>
		<lastmod>2022-02-08T02:31:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/e-file-taxes/</loc>
		<lastmod>2022-02-09T02:31:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/jerusalem-post-pessimism-about-america/</loc>
		<lastmod>2022-02-09T02:33:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cash-it-all-out/</loc>
		<lastmod>2022-02-09T02:35:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/metabank/</loc>
		<lastmod>2022-02-10T02:43:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ee-savings-bonds-that-were-reissued-after-death-of-original-owner/</loc>
		<lastmod>2022-02-10T02:46:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-co-ownership-use-for-education-expenses/</loc>
		<lastmod>2022-02-09T02:54:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-from-deceased-parent/</loc>
		<lastmod>2022-02-08T18:12:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/home-sold-where-to-invest-gain-while-waiting-to-buy/</loc>
		<lastmod>2022-02-08T18:15:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-decisions/</loc>
		<lastmod>2022-02-08T20:20:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/1099k-reporting-for-illinois/</loc>
		<lastmod>2022-02-09T16:31:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/new-tax-on-zelle-payments/</loc>
		<lastmod>2022-02-09T16:39:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-tax-for-deceased-parent/</loc>
		<lastmod>2022-02-09T20:21:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/federal-tax/</loc>
		<lastmod>2022-02-09T20:25:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-29/</loc>
		<lastmod>2022-02-09T20:32:23+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/facebook/</loc>
		<lastmod>2022-02-09T20:35:02+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paypal/</loc>
		<lastmod>2022-02-09T20:37:06+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/paying-for-college-3/</loc>
		<lastmod>2022-02-09T20:44:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/one-warning-avoid-the-cd-brokers-advertising-much-higher-rates-on-your-savings-there-is-always-a-catch-if-it-sounds-too-good-to-be-true/</loc>
		<lastmod>2022-02-10T21:43:09+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/missing-stimulus-checks/</loc>
		<lastmod>2022-02-10T21:43:58+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/zelle-payments/</loc>
		<lastmod>2022-02-11T01:52:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-cp80-letter/</loc>
		<lastmod>2022-02-11T01:55:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-return-from-last-year/</loc>
		<lastmod>2022-02-14T22:33:36+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-18/</loc>
		<lastmod>2022-02-15T17:43:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/checking-account-fraud/</loc>
		<lastmod>2022-02-15T17:46:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/untaxed-income/</loc>
		<lastmod>2022-02-15T17:47:57+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/adding-grandson-to-credit-card/</loc>
		<lastmod>2022-02-15T17:51:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/status-of-2020-federal-income-tax-return/</loc>
		<lastmod>2022-02-15T17:54:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-on-ex-spouses-record/</loc>
		<lastmod>2022-02-15T18:01:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/zelle-transfers/</loc>
		<lastmod>2022-02-15T18:07:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/efile-taxes/</loc>
		<lastmod>2022-02-15T18:10:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-and-fafsa/</loc>
		<lastmod>2022-02-16T15:59:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/create-an-irs-account/</loc>
		<lastmod>2022-02-16T18:46:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/make-more-money-in-ira/</loc>
		<lastmod>2022-02-16T18:47:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxes-work-in-a-different-state/</loc>
		<lastmod>2022-02-18T20:17:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/are-we-ok-to-retire/</loc>
		<lastmod>2022-02-18T20:20:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/wealth-management-company/</loc>
		<lastmod>2022-02-18T20:22:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fraudulent-ides-claim-results-in-1099g/</loc>
		<lastmod>2022-02-18T20:26:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/banks-verses-credit-unions-insurance/</loc>
		<lastmod>2022-02-18T20:31:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/safeguarding-cash-from-inflation/</loc>
		<lastmod>2022-02-18T20:55:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/windfall/</loc>
		<lastmod>2022-02-19T22:08:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medical-and-standard-tax-deductions/</loc>
		<lastmod>2022-02-19T22:10:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/withdrawal-money-from-voya/</loc>
		<lastmod>2022-02-19T22:14:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/hsa/</loc>
		<lastmod>2022-02-19T22:16:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inheritance-needs-to-be-updated/</loc>
		<lastmod>2022-02-19T22:20:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/saving-bonds-2/</loc>
		<lastmod>2022-02-19T22:23:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ibonds/</loc>
		<lastmod>2022-02-19T22:23:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-for-ex-spouse/</loc>
		<lastmod>2022-02-19T22:28:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/column-in-the-2-20-2022-column/</loc>
		<lastmod>2022-02-20T17:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/economic-impact-payment-2021/</loc>
		<lastmod>2022-02-21T17:09:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-for-spouse-3/</loc>
		<lastmod>2022-02-21T17:11:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fed-tax-form-8606-nondeductible-iras/</loc>
		<lastmod>2022-02-21T17:17:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/venmo/</loc>
		<lastmod>2022-02-21T17:19:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/finding-a-financial-fiduciary-advisor/</loc>
		<lastmod>2022-02-21T18:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/was-there-a-change-in-federal-income-tax-withholding-in-the-past-year/</loc>
		<lastmod>2022-02-21T18:41:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/10200-unemployment-tax-waiting-for-refund/</loc>
		<lastmod>2022-02-21T18:48:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-disability-2/</loc>
		<lastmod>2022-02-21T18:53:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-benefits-for-spouse-2/</loc>
		<lastmod>2022-02-22T02:14:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-now-or-wait/</loc>
		<lastmod>2022-02-22T02:17:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/1099k-vrbo-condo-rental/</loc>
		<lastmod>2022-02-22T14:57:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-30/</loc>
		<lastmod>2022-02-22T15:37:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/hsa-excess-contribution/</loc>
		<lastmod>2022-02-23T19:25:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/income-tax-returns/</loc>
		<lastmod>2022-02-23T19:27:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-19/</loc>
		<lastmod>2022-02-23T19:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ex-spouses-social-security/</loc>
		<lastmod>2022-02-23T19:40:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/advice-on-investing/</loc>
		<lastmod>2022-02-23T19:46:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-deferred-account/</loc>
		<lastmod>2022-02-23T19:48:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-default/</loc>
		<lastmod>2022-02-23T19:51:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financing-a-home-addition/</loc>
		<lastmod>2022-02-23T19:52:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/should-we-get-out-of-market/</loc>
		<lastmod>2022-02-24T14:56:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/political-upheaval-and-market-impact/</loc>
		<lastmod>2022-02-24T14:57:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-vs-spousal-support/</loc>
		<lastmod>2022-02-28T14:59:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/beneficiary/</loc>
		<lastmod>2022-02-28T15:01:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/getting-back-into-market-2/</loc>
		<lastmod>2022-02-28T15:14:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inherited-ira-4/</loc>
		<lastmod>2022-02-28T15:17:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-to-calculate-ira-rmd/</loc>
		<lastmod>2022-02-28T15:20:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/article-this-rally-is-not-good-news/</loc>
		<lastmod>2022-02-28T15:21:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-interest-2/</loc>
		<lastmod>2022-02-28T15:30:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ukraine-russian-hacker-attacks-against-western-financial-institutions/</loc>
		<lastmod>2022-02-28T15:32:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-contribution-during-ukraine-chaos/</loc>
		<lastmod>2022-02-28T15:34:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-vs-minors-account-in-stock-market/</loc>
		<lastmod>2022-02-28T15:36:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/closing-credit-cards-that-a-with-0-balance/</loc>
		<lastmod>2022-02-28T15:37:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/beneficiaries-to-accounts/</loc>
		<lastmod>2022-02-28T15:41:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-now-what/</loc>
		<lastmod>2022-02-28T15:44:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/a-big-thank-you-for-your-comments-on-ukraine/</loc>
		<lastmod>2022-02-28T15:46:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/lease-care-buy-it-out/</loc>
		<lastmod>2022-02-28T17:03:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/saving-cds-vs-ibonds/</loc>
		<lastmod>2022-02-28T17:04:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bonds-to-our-4-great-grandkids-3-yrs/</loc>
		<lastmod>2022-02-28T17:07:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/chicken-money-vs-stocks-2/</loc>
		<lastmod>2022-02-28T17:10:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/2020-tax-refunds-2/</loc>
		<lastmod>2022-02-28T17:15:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/2020-illinois-tax-adjustment-for-unemployment-wages/</loc>
		<lastmod>2022-02-28T18:11:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/amended-taxes-2/</loc>
		<lastmod>2022-02-28T18:15:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/file-for-ss-at-66-years-2-mouths/</loc>
		<lastmod>2022-02-28T18:16:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-ira-4/</loc>
		<lastmod>2022-02-28T18:23:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/costco-stock-a-few-shares/</loc>
		<lastmod>2022-02-28T18:25:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-plans-and-financial-aid/</loc>
		<lastmod>2022-02-28T18:27:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-deceased-husband/</loc>
		<lastmod>2022-02-28T18:33:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/dont-lose-the-beneficiary-bet-article-february-27-2022/</loc>
		<lastmod>2022-02-28T18:59:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-to-a-divorced-woman-of-over-20-years/</loc>
		<lastmod>2022-02-28T19:02:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-15/</loc>
		<lastmod>2022-02-28T19:12:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-20/</loc>
		<lastmod>2022-02-28T19:28:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/common-share-stock-certificate/</loc>
		<lastmod>2022-02-28T21:25:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/banks-keeping-our-money-like-what-happen-to-germany-many-years-ago-digital-dollar-replacing-our-paper-money/</loc>
		<lastmod>2022-03-01T04:01:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/approx-100-junk-silver-90-silver-1-00-coins/</loc>
		<lastmod>2022-03-01T16:41:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/gift-funds-taxed/</loc>
		<lastmod>2022-03-01T16:43:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/2020-taxes-2/</loc>
		<lastmod>2022-03-01T16:45:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-how-do-i-start-at-age-70/</loc>
		<lastmod>2022-03-01T16:48:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-stocks-vs-bonds-in-this-volatile-russian-ukraine-market/</loc>
		<lastmod>2022-03-01T16:51:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inherited-ira-5/</loc>
		<lastmod>2022-03-01T16:53:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-refund-17/</loc>
		<lastmod>2022-03-01T16:56:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-preparation/</loc>
		<lastmod>2022-03-01T17:00:59+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/1099-k/</loc>
		<lastmod>2022-03-01T17:06:18+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/refinancing-school-loan/</loc>
		<lastmod>2022-03-01T17:08:25+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/equity-in-home-used-for-gift-of-home-to-daughter/</loc>
		<lastmod>2022-03-01T17:12:14+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/trust-fund-setup-from-my-son-for-his-siblings/</loc>
		<lastmod>2022-03-01T17:14:20+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ssi-income/</loc>
		<lastmod>2022-03-01T17:33:18+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/trust-estate/</loc>
		<lastmod>2022-03-03T21:45:52+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-25/</loc>
		<lastmod>2022-03-03T21:46:59+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-26/</loc>
		<lastmod>2022-03-03T21:48:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/line-of-beneficiary-change-of-estate-plan/</loc>
		<lastmod>2022-03-03T21:54:13+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/as-a-retired-guy-should-i-feed-my-credit-rating/</loc>
		<lastmod>2022-03-03T21:57:16+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/revocable-trust-changing-title-of-home/</loc>
		<lastmod>2022-03-07T14:10:23+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/annuity-2/</loc>
		<lastmod>2022-03-07T14:12:49+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/my-parents-set-up-revocable-trust/</loc>
		<lastmod>2022-03-07T14:29:12+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/freefile-fillable-forms-in-queue-only/</loc>
		<lastmod>2022-03-07T14:31:42+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-maximum-purchase/</loc>
		<lastmod>2022-03-07T14:35:07+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inherited-ira-withdrawals/</loc>
		<lastmod>2022-03-07T14:36:08+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-investments-risky/</loc>
		<lastmod>2022-03-07T14:40:21+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/money-in-the-bank/</loc>
		<lastmod>2022-03-07T14:43:41+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-21/</loc>
		<lastmod>2022-03-07T14:49:20+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/accessing-credit-score-information/</loc>
		<lastmod>2022-03-07T14:54:16+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/iras/</loc>
		<lastmod>2022-03-07T14:57:44+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/buying-gold-2/</loc>
		<lastmod>2022-03-07T14:58:53+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/estate-plan-will-vs-trust/</loc>
		<lastmod>2022-03-07T15:02:35+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/estate-planning-5/</loc>
		<lastmod>2022-03-07T15:04:30+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/protection-for-my-computer/</loc>
		<lastmod>2022-03-07T15:06:05+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/multiple-ira-beneficiaries/</loc>
		<lastmod>2022-03-07T15:12:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/strategies-to-reduce-my-tax-consequences-in-retirement/</loc>
		<lastmod>2022-03-07T15:18:50+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-ira-rmd-as-qcd/</loc>
		<lastmod>2022-03-07T15:21:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/2020-state-refund-check/</loc>
		<lastmod>2022-03-07T15:25:05+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-part-d-2/</loc>
		<lastmod>2022-03-07T19:24:43+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-22/</loc>
		<lastmod>2022-03-07T19:25:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/first-time-investor-going-into-the-market-now-good-or-bad/</loc>
		<lastmod>2022-03-07T19:27:48+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/revocable-trust/</loc>
		<lastmod>2022-03-07T19:29:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-11/</loc>
		<lastmod>2022-03-07T19:31:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/income-tax-identity-theft/</loc>
		<lastmod>2022-03-07T20:08:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/chicken-money-8/</loc>
		<lastmod>2022-03-07T20:19:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inherited-ira-6/</loc>
		<lastmod>2022-03-07T20:37:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-deductions-for-home-office/</loc>
		<lastmod>2022-03-07T20:42:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-stocks/</loc>
		<lastmod>2022-03-08T15:54:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/rollover-iraim/</loc>
		<lastmod>2022-03-08T15:55:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/best-worst-time-to-change-financial-planners/</loc>
		<lastmod>2022-03-08T21:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-to-roth-ira-conversions/</loc>
		<lastmod>2022-03-08T21:38:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/interest-rates-inflation/</loc>
		<lastmod>2022-03-08T21:40:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-refi/</loc>
		<lastmod>2022-03-09T18:48:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/lack-of-irs-response/</loc>
		<lastmod>2022-03-09T18:51:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/my-dad-passed-away-out-of-state-now-what/</loc>
		<lastmod>2022-03-09T18:59:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taking-401-investment-money-out-now/</loc>
		<lastmod>2022-03-09T19:01:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/indentify-beneficiaries/</loc>
		<lastmod>2022-03-14T16:27:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/track-estate-irs-return/</loc>
		<lastmod>2022-03-14T16:30:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/converting-stocks-mutual-funds-to-cas/</loc>
		<lastmod>2022-03-14T16:36:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/overcharge-for-vaccines/</loc>
		<lastmod>2022-03-14T16:41:17+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inherited-ira-record-keeping-2/</loc>
		<lastmod>2022-03-14T16:43:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stimulus-payment-from-may-2020/</loc>
		<lastmod>2022-03-14T16:45:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/comment-not-a-question/</loc>
		<lastmod>2022-03-14T16:47:51+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-to-correct-mistake-on-2020-return/</loc>
		<lastmod>2022-03-14T16:50:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/still-working-at-72-40lk-rmd/</loc>
		<lastmod>2022-03-14T16:56:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/earned-income-credit/</loc>
		<lastmod>2022-03-14T16:59:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/estate-planning-issue/</loc>
		<lastmod>2022-03-14T17:08:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-investments-in-annuities/</loc>
		<lastmod>2022-03-14T17:13:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/personal-financial-organizer-14/</loc>
		<lastmod>2022-03-14T17:18:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investments-too-risky-in-retirement/</loc>
		<lastmod>2022-03-14T17:22:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-or-cash-for-new-car/</loc>
		<lastmod>2022-03-14T17:31:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-16/</loc>
		<lastmod>2022-03-14T17:35:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/personal-financial-organizer-form-7/</loc>
		<lastmod>2022-03-15T17:32:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fraud-protection-on-treasury-bills/</loc>
		<lastmod>2022-03-15T17:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-in-dividend-paying-stocks/</loc>
		<lastmod>2022-03-15T20:37:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stimulus-payments-still-missing/</loc>
		<lastmod>2022-03-15T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mistake-on-2021-return-electronically-filed/</loc>
		<lastmod>2022-03-15T20:41:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/nationwide-457/</loc>
		<lastmod>2022-03-15T20:43:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pension-election/</loc>
		<lastmod>2022-03-15T20:46:13+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ee-series-savings-bond/</loc>
		<lastmod>2022-03-15T20:49:22+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investments-after-cashing-savings-bonds/</loc>
		<lastmod>2022-03-16T15:29:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-allocation-2/</loc>
		<lastmod>2022-03-17T20:33:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-9/</loc>
		<lastmod>2022-03-20T17:54:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-to-do-with-gifted-money-for-children/</loc>
		<lastmod>2022-03-20T18:01:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/living-paycheck-to-paycheck-retirement/</loc>
		<lastmod>2022-03-20T18:07:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxes-8/</loc>
		<lastmod>2022-03-20T18:08:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-fears/</loc>
		<lastmod>2022-03-20T18:13:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-account-rmd/</loc>
		<lastmod>2022-03-20T18:15:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/amazon-stock/</loc>
		<lastmod>2022-03-20T18:18:32+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/affordable-care-act-and-ss-impact/</loc>
		<lastmod>2022-03-20T18:21:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-27/</loc>
		<lastmod>2022-03-20T18:26:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxes-on-homeowners-insurance-money/</loc>
		<lastmod>2022-03-20T18:29:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/child-tax-credit-5/</loc>
		<lastmod>2022-03-20T18:34:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxes-9/</loc>
		<lastmod>2022-03-20T18:35:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/health-insurance-premiums-as-a-tax-deduction/</loc>
		<lastmod>2022-03-20T18:38:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/transferring-money-from-one-ira-fidelity-mutual-fund-to-another-ira-fidelity-mutual-fund/</loc>
		<lastmod>2022-03-20T18:43:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/capital-gains-on-inherited-investments/</loc>
		<lastmod>2022-03-20T18:48:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/required-minimum-distributions-can-i-put-it-back/</loc>
		<lastmod>2022-03-20T18:52:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/w-2/</loc>
		<lastmod>2022-03-22T15:45:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/moving-ira-money-to-cash/</loc>
		<lastmod>2022-03-22T15:47:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/treasury-i-bond-purchase-limits/</loc>
		<lastmod>2022-03-22T15:55:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/advance-child-tax-credit-payment/</loc>
		<lastmod>2022-03-22T15:58:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/zelle-reportable/</loc>
		<lastmod>2022-03-22T16:00:20+00:00</lastmod>
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	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/federal-school-loan-from-defunct-school/</loc>
		<lastmod>2022-03-22T18:04:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-rollover-to-get-better-choices/</loc>
		<lastmod>2022-03-22T18:06:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/financial-saving-money/</loc>
		<lastmod>2022-03-22T18:11:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/turbo-tax-privacy/</loc>
		<lastmod>2022-03-22T18:19:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-savings-and-real-estate/</loc>
		<lastmod>2022-03-22T18:20:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-retirement-benefits-for-a-widow/</loc>
		<lastmod>2022-03-22T18:37:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-and-teacher-retirement-system/</loc>
		<lastmod>2022-03-22T18:45:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mother-as-dependent-on-tax-form/</loc>
		<lastmod>2022-03-28T13:45:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-refund-18/</loc>
		<lastmod>2022-03-28T20:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investing-money-in-stocks/</loc>
		<lastmod>2022-03-28T20:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/e-bonds-i-bonds/</loc>
		<lastmod>2022-03-29T01:18:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/moving-401k-to-new-employer/</loc>
		<lastmod>2022-03-29T01:22:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/acorn-accounts-for-grandkids/</loc>
		<lastmod>2022-03-29T01:26:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/roth-or-401k-contribution/</loc>
		<lastmod>2022-03-29T01:28:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/health-insurance-subsidy-based-on-income/</loc>
		<lastmod>2022-03-29T01:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/late-bloomer-has-cash/</loc>
		<lastmod>2022-03-29T01:47:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/current-tax-return/</loc>
		<lastmod>2022-03-29T01:48:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-23/</loc>
		<lastmod>2022-03-30T18:55:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-last-date-to-apply/</loc>
		<lastmod>2022-03-30T18:57:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/state-of-illinois-pension/</loc>
		<lastmod>2022-03-30T18:59:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401-k-and-annunities/</loc>
		<lastmod>2022-03-30T19:05:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-options/</loc>
		<lastmod>2022-03-30T19:11:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/medicare-part-d-3/</loc>
		<lastmod>2022-03-30T19:14:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ides-payback-meeting/</loc>
		<lastmod>2022-03-30T19:16:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-investing-2/</loc>
		<lastmod>2022-04-03T17:07:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/capital-gain-ira/</loc>
		<lastmod>2022-04-03T17:12:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loans-19/</loc>
		<lastmod>2022-04-03T17:16:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-withdrawal-strategy/</loc>
		<lastmod>2022-04-03T17:24:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/the-great-resignation-statistics/</loc>
		<lastmod>2022-04-03T18:16:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-mistake-by-employer/</loc>
		<lastmod>2022-04-04T18:16:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/1099-discrepancy/</loc>
		<lastmod>2022-04-03T18:25:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/portfolio-balance-2/</loc>
		<lastmod>2022-04-03T18:31:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-beneficiary/</loc>
		<lastmod>2022-04-04T18:31:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-repayment-2/</loc>
		<lastmod>2022-04-04T18:34:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-refund-19/</loc>
		<lastmod>2022-04-05T18:37:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/where-to-invest-a-windfall-now/</loc>
		<lastmod>2022-04-03T18:58:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/series-i-savings-bonds-2/</loc>
		<lastmod>2022-04-04T18:58:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-funding-2/</loc>
		<lastmod>2022-04-05T19:00:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-10/</loc>
		<lastmod>2022-04-04T14:55:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/w-2-still-missing/</loc>
		<lastmod>2022-04-04T20:05:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loans-20/</loc>
		<lastmod>2022-04-04T20:12:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/wgn-business-hour-with-dr-bob/</loc>
		<lastmod>2022-04-04T20:13:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/estate-tax/</loc>
		<lastmod>2022-04-04T20:16:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/looking-for-growth-funded-by-roth-ira/</loc>
		<lastmod>2022-04-04T20:20:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/state-of-illinois-rejected-my-h-r-block-filing-reason-agi-from-2020/</loc>
		<lastmod>2022-04-04T20:23:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/purchasing-i-bonds-for-minor-grandchildren/</loc>
		<lastmod>2022-04-04T20:26:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/2021-il-refund-depay/</loc>
		<lastmod>2022-04-04T20:29:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/saving-for-college-4/</loc>
		<lastmod>2022-04-06T19:17:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/vanguard-2/</loc>
		<lastmod>2022-04-06T19:18:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bank-applied-2020-ira-contribution-made-in-2021-as-a-2021-ira/</loc>
		<lastmod>2022-04-06T19:21:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-with-drawal/</loc>
		<lastmod>2022-04-06T19:23:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-to-invest-my-savings-money/</loc>
		<lastmod>2022-04-06T19:24:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-28/</loc>
		<lastmod>2022-04-06T19:27:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/government-i-bonds-3/</loc>
		<lastmod>2022-04-06T19:45:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/new-financial-advisor/</loc>
		<lastmod>2022-04-06T19:48:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/va-loan-for-new-construction/</loc>
		<lastmod>2022-04-06T20:03:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-at-age-60/</loc>
		<lastmod>2022-04-06T20:06:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxation-on-capital-gains-carry-that-i-received-from-former-employer-103000-that-was-received-dec-2021/</loc>
		<lastmod>2022-04-06T20:09:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-on-mutual-fund-withdrawal/</loc>
		<lastmod>2022-04-06T20:13:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/federal-taxes-withheld-from-paycheck/</loc>
		<lastmod>2022-04-06T20:14:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/1099-int-from-idhs/</loc>
		<lastmod>2022-04-06T20:18:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/amazon-stock-2/</loc>
		<lastmod>2022-04-06T20:20:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/family-member-gifting-from-abroad/</loc>
		<lastmod>2022-04-06T20:25:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-13/</loc>
		<lastmod>2022-04-06T20:26:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/savings-for-grandchild-2/</loc>
		<lastmod>2022-04-06T20:28:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/child-credit/</loc>
		<lastmod>2022-04-06T20:35:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/2020-federal-refund/</loc>
		<lastmod>2022-04-06T20:37:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/unemployment-overpayment-pay-back/</loc>
		<lastmod>2022-04-06T20:41:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-29/</loc>
		<lastmod>2022-04-06T20:45:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-money-2/</loc>
		<lastmod>2022-04-06T20:50:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/mortgage-payment/</loc>
		<lastmod>2022-04-07T22:30:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-24/</loc>
		<lastmod>2022-04-07T22:31:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/limit-i-can-make-b-4-full-retirement-age/</loc>
		<lastmod>2022-04-10T17:54:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/cares-act-401k-distribution-repayment/</loc>
		<lastmod>2022-04-10T17:58:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-card-debt-of-deceased-parent/</loc>
		<lastmod>2022-04-10T18:00:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/extra-retirement-income/</loc>
		<lastmod>2022-04-10T18:03:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-11/</loc>
		<lastmod>2022-04-10T18:04:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/filing-tax-forms-on-an-irrevocable-trust/</loc>
		<lastmod>2022-04-10T18:09:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-deferring-of-retirement-fund-income-before-4-15-22/</loc>
		<lastmod>2022-04-10T18:14:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/first-time-home-buyer/</loc>
		<lastmod>2022-04-10T18:19:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/selling-or-renting-second-home-condo/</loc>
		<lastmod>2022-04-10T18:24:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/sold-home-that-family-member-lived-in/</loc>
		<lastmod>2022-04-11T16:17:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-and-mortgage-interest-advice-needed/</loc>
		<lastmod>2022-04-11T20:13:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-31/</loc>
		<lastmod>2022-04-11T20:14:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-need-to-prove-i-did-not-receive-a-check-or-a-direct-deposit/</loc>
		<lastmod>2022-04-11T20:18:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-12/</loc>
		<lastmod>2022-04-11T20:25:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/where-to-begin/</loc>
		<lastmod>2022-04-11T20:37:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/stimulus-check-are-they-still-being-sent-out/</loc>
		<lastmod>2022-04-11T20:39:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loans-21/</loc>
		<lastmod>2022-04-11T22:22:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/fixed-annuity-2/</loc>
		<lastmod>2022-04-12T00:33:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/trying-to-make-a-payment-arrangement-with-irs-not-able-to-succeed/</loc>
		<lastmod>2022-04-12T00:37:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/savings-bonds-5/</loc>
		<lastmod>2022-04-15T03:22:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/personal-finance/</loc>
		<lastmod>2022-04-15T13:31:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/capital-gains-on-home-at-beach-not-rented-out/</loc>
		<lastmod>2022-04-15T13:33:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-for-senior-citizen/</loc>
		<lastmod>2022-04-15T13:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/balanced-portfolio/</loc>
		<lastmod>2022-04-15T13:36:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-13/</loc>
		<lastmod>2022-04-15T13:43:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-huge-mistake/</loc>
		<lastmod>2022-04-16T01:32:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-8/</loc>
		<lastmod>2022-04-16T01:35:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/safe-investment-for-50000/</loc>
		<lastmod>2022-04-16T01:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-reports-5/</loc>
		<lastmod>2022-04-16T01:40:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/do-i-need-to-file-a-tax-return-for-a-life-insurance-payout/</loc>
		<lastmod>2022-04-16T02:34:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxes-10/</loc>
		<lastmod>2022-04-16T02:35:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/advice/</loc>
		<lastmod>2022-04-16T02:43:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-disability-3/</loc>
		<lastmod>2022-04-16T02:45:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/state-tax-return/</loc>
		<lastmod>2022-04-16T02:47:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-investment-help/</loc>
		<lastmod>2022-04-16T20:30:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/me-and-my-wife-was-getting-our-stimulus-check-on-a-netspend-prepaid-card-but-we-cancled-it-because-i-have-gotton-ssi-and-i-was-filing-married-but-they-already-sent-us-some-papers-from-the-irs-with/</loc>
		<lastmod>2022-04-16T20:33:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/other-investment/</loc>
		<lastmod>2022-04-16T20:34:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/church-bond-loss/</loc>
		<lastmod>2022-04-16T20:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/co-signing-for-a-mortgage/</loc>
		<lastmod>2022-04-16T20:41:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/company-changing-hands-401k-question/</loc>
		<lastmod>2022-04-16T20:44:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/does-a-16-year-old-have-to-file-i-worked-only-made-under-3000/</loc>
		<lastmod>2022-04-18T15:24:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/continuing-to-buy-i-bonds-or-replacing-the-i-bond-purchases-with-schab-schd/</loc>
		<lastmod>2022-04-18T15:26:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/interest-rates-6/</loc>
		<lastmod>2022-04-18T15:26:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-do-you-file-for-a-stimulus-check-on-your-2021-return/</loc>
		<lastmod>2022-04-18T15:27:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-retirement-losses/</loc>
		<lastmod>2022-04-18T15:58:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inheritance-money/</loc>
		<lastmod>2022-04-19T00:35:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retiring-soon-with-110-k-in-a-variable-annuity/</loc>
		<lastmod>2022-04-19T14:52:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/best-place-to-invest-an-inheritance-for-someone-whose-income-does-not-qualify-to-be-taxed-by-federal-govt/</loc>
		<lastmod>2022-04-19T14:59:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/state-taxes-for-active-military/</loc>
		<lastmod>2022-04-19T15:01:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/profiling/</loc>
		<lastmod>2022-04-20T18:02:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/treasury-bonds-3/</loc>
		<lastmod>2022-04-20T18:03:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-refund-20/</loc>
		<lastmod>2022-04-20T18:06:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/529-state-tuition-plan-withdrawal/</loc>
		<lastmod>2022-04-20T18:08:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/buying-home-at-70-years-old/</loc>
		<lastmod>2022-04-20T18:25:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/forgiving-student-debt/</loc>
		<lastmod>2022-04-20T19:34:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/prudential-life-insurance-policy/</loc>
		<lastmod>2022-04-25T00:36:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-14/</loc>
		<lastmod>2022-04-25T00:41:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/inheritance-9/</loc>
		<lastmod>2022-04-25T00:45:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/getting-started-investments/</loc>
		<lastmod>2022-04-25T00:47:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-9/</loc>
		<lastmod>2022-04-25T00:57:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-32/</loc>
		<lastmod>2022-04-25T01:02:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-vs-mortgage-payoff/</loc>
		<lastmod>2022-04-25T01:05:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/personal-items-that-you-would-like-to-give-to-specific-relatives/</loc>
		<lastmod>2022-04-25T01:07:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bond-vs-ira/</loc>
		<lastmod>2022-04-25T01:09:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/retirement-money-3/</loc>
		<lastmod>2022-04-25T01:14:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-to-do-with-indexed-bond-funds/</loc>
		<lastmod>2022-04-25T01:18:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/how-in-invest-a-lawsuit-trward/</loc>
		<lastmod>2022-04-25T01:21:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-refund-21/</loc>
		<lastmod>2022-04-28T11:33:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/student-loan-forgiveness-3/</loc>
		<lastmod>2022-04-28T11:34:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-wait-for-higher-rate/</loc>
		<lastmod>2022-04-28T11:37:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/investment-17/</loc>
		<lastmod>2022-05-01T22:22:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/treasurydirect-and-my-savings-bonds/</loc>
		<lastmod>2022-05-01T22:24:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-15/</loc>
		<lastmod>2022-05-01T22:25:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/pension-and-social-security/</loc>
		<lastmod>2022-05-01T22:28:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/should-we-ride-out-this-market/</loc>
		<lastmod>2022-05-01T22:32:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/finances/</loc>
		<lastmod>2022-05-01T22:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/living-with-inflation-article/</loc>
		<lastmod>2022-05-01T22:36:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/the-purchase-of-i-bonds/</loc>
		<lastmod>2022-05-01T22:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/vacation/</loc>
		<lastmod>2022-05-01T22:40:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/serious-senior-chicken-money/</loc>
		<lastmod>2022-05-01T22:42:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/private-student-loan-2/</loc>
		<lastmod>2022-05-01T22:43:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-refund-higher-than-expected/</loc>
		<lastmod>2022-05-01T22:45:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/irs-refund-3/</loc>
		<lastmod>2022-05-01T22:51:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/saving-for-retirement-3/</loc>
		<lastmod>2022-05-01T22:53:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-on-zelle/</loc>
		<lastmod>2022-05-01T22:54:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/getting-out-of-the-market/</loc>
		<lastmod>2022-05-01T22:57:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/reading-material-for-children/</loc>
		<lastmod>2022-05-01T22:59:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/matured-ee-savings-bonds-total-of-50000-plus-interest/</loc>
		<lastmod>2022-05-01T23:09:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/series-ee-savings-bonds-for-grandkids/</loc>
		<lastmod>2022-05-01T23:12:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/what-to-expect-when-taking-401k-distributions-in-three-years/</loc>
		<lastmod>2022-05-01T23:16:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-25/</loc>
		<lastmod>2022-05-04T22:07:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ee-savings-bonds-5/</loc>
		<lastmod>2022-05-04T22:08:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/treasury-direct-will-not-allow-me-to-enter-an-illinois-state-id-no-with-an-expiration-date-of-99-99-99/</loc>
		<lastmod>2022-05-04T22:09:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-to-roth-conversation/</loc>
		<lastmod>2022-05-04T22:11:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-taxes/</loc>
		<lastmod>2022-05-04T22:12:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-at-72/</loc>
		<lastmod>2022-05-04T22:19:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/savings-bonds-6/</loc>
		<lastmod>2022-05-04T22:21:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-16/</loc>
		<lastmod>2022-05-04T22:23:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxes-on-sale-of-stocks/</loc>
		<lastmod>2022-05-04T22:27:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/credit-score-10/</loc>
		<lastmod>2022-05-04T22:37:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/house/</loc>
		<lastmod>2022-05-04T22:41:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bond/</loc>
		<lastmod>2022-05-04T22:43:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/bonds-at-9-62/</loc>
		<lastmod>2022-05-05T01:28:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bond-2/</loc>
		<lastmod>2022-05-05T01:29:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ira-accounts/</loc>
		<lastmod>2022-05-06T17:42:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/social-security-question-2/</loc>
		<lastmod>2022-05-08T20:12:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-17/</loc>
		<lastmod>2022-05-08T20:13:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-18/</loc>
		<lastmod>2022-05-08T20:15:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/401k-30/</loc>
		<lastmod>2022-05-08T20:17:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/taxable-event/</loc>
		<lastmod>2022-05-08T20:20:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/series-i-bonds-value-accrual/</loc>
		<lastmod>2022-05-08T20:25:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-beneficiary/</loc>
		<lastmod>2022-05-08T20:27:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/best-credit-card-for-travel-miles/</loc>
		<lastmod>2022-05-08T20:28:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/vanguard-3/</loc>
		<lastmod>2022-05-08T20:31:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bond-difficulty/</loc>
		<lastmod>2022-05-08T20:33:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ssa-early/</loc>
		<lastmod>2022-05-08T20:35:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/life-insurance-policy-with-endowment/</loc>
		<lastmod>2022-05-08T20:40:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-19/</loc>
		<lastmod>2022-05-10T15:27:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/ibonds-2/</loc>
		<lastmod>2022-05-10T15:30:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/wgn-today-5-10/</loc>
		<lastmod>2022-05-10T15:31:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/im-disabled-but-id-like-a-future/</loc>
		<lastmod>2022-05-10T15:36:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/i-bonds-9-interest-investments/</loc>
		<lastmod>2022-05-10T15:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/large-payment-on-mortgage-vs-saving-account/</loc>
		<lastmod>2022-05-10T15:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/tax-refund-22/</loc>
		<lastmod>2022-05-10T22:08:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://staging-terrysavagecom-staging.kinsta.cloud/ask-terry/college-fund/</loc>
		<lastmod>2022-05-10T22:12:40+00:00</lastmod>
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