<?xml version="1.0" encoding="UTF-8"?>
<!--
  lastmod reflects the last substantive change to each page, and nothing else.
  Google only trusts lastmod when it is consistently accurate, so it is not bumped
  for cosmetic edits.

  2026-08-05 covers the title rewrite. Only the five pages whose descriptive copy
  actually changed are bumped. /disclaimer stays at 2026-07-20: its title swapped a
  separator, which is precisely the cosmetic case above.

  2026-08-20 adds /guides/how-to-know-you-have-enough-to-retire and bumps /guides/,
  which gained a card for it. The sibling guides gained one cross-link each and are
  deliberately NOT bumped: a single added link is the cosmetic case above.

  2026-08-22 adds /guides/how-to-spend-more-in-retirement-without-running-out-of-money
  and bumps /guides/, which gained a card for it. /guides/best-money-and-retirement-books
  gained one cross-link and is deliberately NOT bumped: a single link is cosmetic.

  2026-08-29 covers the planning-modes reveal: the four-question copy on /, /calculator
  and /guides/, the mode sections added to /methodology and the calculator guide, the
  expanded output descriptions on /disclaimer, and the corrected mode routing in the
  spending, age-55, age-60 and books guides. Every bumped page changed substantively.

  priority and changefreq are deliberately absent: Google ignores both.
  /onboarding and /compare are deliberately absent: both are noindex, follow.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://enoughtoquit.com/</loc>
    <lastmod>2026-08-29</lastmod>
  </url>
  <url>
    <loc>https://enoughtoquit.com/calculator</loc>
    <lastmod>2026-08-29</lastmod>
  </url>
  <url>
    <loc>https://enoughtoquit.com/about</loc>
    <lastmod>2026-08-05</lastmod>
  </url>
  <url>
    <loc>https://enoughtoquit.com/methodology</loc>
    <lastmod>2026-08-29</lastmod>
  </url>
  <url>
    <loc>https://enoughtoquit.com/disclaimer</loc>
    <lastmod>2026-08-29</lastmod>
  </url>
  <url>
    <loc>https://enoughtoquit.com/guides/</loc>
    <lastmod>2026-08-29</lastmod>
  </url>
  <url>
    <loc>https://enoughtoquit.com/guides/how-to-spend-more-in-retirement-without-running-out-of-money</loc>
    <lastmod>2026-08-29</lastmod>
  </url>
  <url>
    <loc>https://enoughtoquit.com/guides/how-to-know-you-have-enough-to-retire</loc>
    <lastmod>2026-08-20</lastmod>
  </url>
  <url>
    <loc>https://enoughtoquit.com/guides/how-much-to-retire-early</loc>
    <lastmod>2026-08-05</lastmod>
  </url>
  <url>
    <loc>https://enoughtoquit.com/guides/how-much-to-retire-at-55</loc>
    <lastmod>2026-08-29</lastmod>
  </url>
  <url>
    <loc>https://enoughtoquit.com/guides/how-much-to-retire-at-60</loc>
    <lastmod>2026-08-29</lastmod>
  </url>
  <url>
    <loc>https://enoughtoquit.com/guides/how-to-use-the-full-calculator</loc>
    <lastmod>2026-08-29</lastmod>
  </url>
  <url>
    <loc>https://enoughtoquit.com/guides/best-money-and-retirement-books</loc>
    <lastmod>2026-08-29</lastmod>
  </url>
</urlset>
