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    <loc>https://www.myfreedomfinance.org/category/investing-101</loc>
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    <loc>https://www.myfreedomfinance.org/blog/treasury-yields-rise-after-weak-september-jobs-report</loc>
    <lastmod>2026-10-03</lastmod>
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      <image:loc>https://www.myfreedomfinance.org/assets/cover-treasury-yields-jobs-B22-1HSK.jpg</image:loc>
      <image:caption>A gold yield line rising above a stylised Federal Reserve building on a navy background</image:caption>
      <image:title>Only 29,000 Jobs — So Why Did Treasury Yields Still Rise?</image:title>
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    <image:image>
      <image:loc>https://www.myfreedomfinance.org/assets/inline-jobs-report-Bz2ruXJz.jpg</image:loc>
      <image:caption>Payrolls rose just 29,000 and prior months were revised down by a combined ~60,000.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://www.myfreedomfinance.org/assets/inline-long-bonds-mortgage-CEd85M-2.jpg</image:loc>
      <image:caption>Mortgage rates track long-term Treasury yields — and those are near 24-year highs.</image:caption>
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    <loc>https://www.myfreedomfinance.org/blog/nasdaq-rallies-as-fed-hike-odds-fade</loc>
    <lastmod>2026-10-03</lastmod>
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      <image:loc>https://www.myfreedomfinance.org/assets/cover-nasdaq-rally-jobs-CVD1C-tO.jpg</image:loc>
      <image:caption>A green and gold bull leaping up a rising candlestick chart in front of Wall Street columns</image:caption>
      <image:title>Bad News Is Good News Again: Nasdaq Jumps 1.2% on a Weak Jobs Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://www.myfreedomfinance.org/assets/inline-semiconductor-rally-BF8NLOMX.jpg</image:loc>
      <image:caption>The Philadelphia Semiconductor Index rose more than 2% on the session.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://www.myfreedomfinance.org/assets/inline-vix-calm-C1xgHDYu.jpg</image:loc>
      <image:caption>The VIX, Wall Street&apos;s &apos;fear gauge&apos;, dropped to around 15.</image:caption>
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  <url>
    <loc>https://www.myfreedomfinance.org/blog/bitcoin-rejected-at-87k-after-jobs-report</loc>
    <lastmod>2026-10-03</lastmod>
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    <image:image>
      <image:loc>https://www.myfreedomfinance.org/assets/cover-bitcoin-87k-ceiling-B8ekrHzk.jpg</image:loc>
      <image:caption>A gold bitcoin coin cracking against an emerald ceiling on a navy background</image:caption>
      <image:title>Bitcoin Hit $87,000 — Then $433 Million in Bets Got Wiped Out</image:title>
    </image:image>
    <image:image>
      <image:loc>https://www.myfreedomfinance.org/assets/inline-crypto-liquidations-Cj45o3ff.jpg</image:loc>
      <image:caption>When the rally stalled, forced selling of leveraged longs did the rest.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://www.myfreedomfinance.org/assets/inline-bitcoin-etf-flows-kjCM-Ojn.jpg</image:loc>
      <image:caption>US spot bitcoin ETFs swung from heavy outflows in mid-July back to net inflows for the year.</image:caption>
    </image:image>
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    <loc>https://www.myfreedomfinance.org/blog/september-selloff-oil-bond-yields-fed</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://www.myfreedomfinance.org/assets/cover-september-oil-yields-CJxlj9ys.jpg</image:loc>
      <image:caption>An oil barrel with a rising gold price line climbing across a deep navy background</image:caption>
      <image:title>Oil Above $90, Yields Near 5%: Why September Opened With a Selloff</image:title>
    </image:image>
    <image:image>
      <image:loc>https://www.myfreedomfinance.org/assets/inline-oil-price-surge-B-UdbnDH.jpg</image:loc>
      <image:caption>Brent crude jumped roughly 5% to about $95 a barrel, with WTI at $90.33 — the second such move in two days.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://www.myfreedomfinance.org/assets/inline-bond-yields-rising-DFotVQXh.jpg</image:loc>
      <image:caption>Global sovereign yields pushed to multi-year highs — the US toward 5%, Japan&apos;s 10-year to its highest in three decades.</image:caption>
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  <url>
    <loc>https://www.myfreedomfinance.org/blog/anthropic-ipo-retail-access-gap-ackman</loc>
    <lastmod>2026-08-28</lastmod>
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      <image:loc>https://www.myfreedomfinance.org/assets/cover-anthropic-ipo-BJPdcDRG.jpg</image:loc>
      <image:caption>A stylised navy bull striding up an ascending green market chart</image:caption>
      <image:title>Anthropic&apos;s $2 Trillion IPO and the Retail Access Gap: What Bill Ackman&apos;s New Fund Really Changes</image:title>
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    <image:image>
      <image:loc>https://www.myfreedomfinance.org/assets/inline-bill-ackman-pershing-square-DyPA8qIM.jpg</image:loc>
      <image:caption>Bill Ackman says Pershing Square Ventures is built to give &quot;the average person on the street&quot; access to private companies before they list. Illustration: My Freedom Finance.</image:caption>
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    <image:image>
      <image:loc>https://www.myfreedomfinance.org/assets/inline-artificial-intelligence-concept-C-t2edDN.jpg</image:loc>
      <image:caption>The largest private companies in history are AI businesses — and ordinary investors have mostly been locked out of their growth. Illustration: My Freedom Finance.</image:caption>
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      <image:loc>https://www.myfreedomfinance.org/assets/inline-anthropic-company-ipo-CV3AIb7o.jpg</image:loc>
      <image:caption>Anthropic&apos;s revenue run rate reportedly passed $65 billion in August 2026, fueling talk of a record-breaking listing. Illustration: My Freedom Finance.</image:caption>
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    <image:image>
      <image:loc>https://www.myfreedomfinance.org/assets/inline-claude-ai-assistant-DY6Zg7uh.jpg</image:loc>
      <image:caption>Claude, Anthropic&apos;s AI assistant, is the product driving the company&apos;s growth — and the investor excitement. Illustration: My Freedom Finance.</image:caption>
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    <loc>https://www.myfreedomfinance.org/blog/the-quiet-math-behind-a-market-selloff</loc>
    <lastmod>2026-08-18</lastmod>
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      <image:loc>https://www.myfreedomfinance.org/__l5e/assets-v1/6c19f9df-ae20-4b49-9ca5-c3d1ddf56182/cover-selloff.jpg</image:loc>
      <image:caption>A folded newspaper stock table on a desk in soft daylight</image:caption>
      <image:title>The Quiet Math Behind a Market Selloff</image:title>
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    <loc>https://www.myfreedomfinance.org/blog/index-funds-explained-without-the-jargon</loc>
    <lastmod>2026-08-11</lastmod>
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    <priority>0.8</priority>
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      <image:loc>https://www.myfreedomfinance.org/__l5e/assets-v1/7042e136-b5b0-4cf6-b369-5b1385b4038f/cover-index-funds.jpg</image:loc>
      <image:caption>Neat stacks of identical paper cards on a pale desk</image:caption>
      <image:title>Index Funds, Explained Without the Jargon</image:title>
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    <loc>https://www.myfreedomfinance.org/blog/your-savings-rate-matters-more-than-your-returns</loc>
    <lastmod>2026-08-04</lastmod>
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      <image:loc>https://www.myfreedomfinance.org/__l5e/assets-v1/67d513bb-3f30-43fb-bd9c-40f10e2f3503/cover-savings-rate.jpg</image:loc>
      <image:caption>A jar of coins beside an open notebook and pen</image:caption>
      <image:title>Your Savings Rate Matters More Than Your Returns</image:title>
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  <url>
    <loc>https://www.myfreedomfinance.org/blog/what-ai-capex-is-doing-to-the-index</loc>
    <lastmod>2026-07-28</lastmod>
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    <priority>0.8</priority>
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      <image:loc>https://www.myfreedomfinance.org/__l5e/assets-v1/3b56017e-cd57-4a88-bc55-cbae59fd26cc/cover-ai-capex.jpg</image:loc>
      <image:caption>A corridor of server racks lit in cool blue light</image:caption>
      <image:title>What the AI Spending Boom Is Doing to Your Index Fund</image:title>
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  <url>
    <loc>https://www.myfreedomfinance.org/blog/reading-a-yield-curve-in-five-minutes</loc>
    <lastmod>2026-07-21</lastmod>
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      <image:loc>https://www.myfreedomfinance.org/__l5e/assets-v1/2a20d4a8-45bf-4e57-9ec1-09aed81a5544/cover-yield-curve.jpg</image:loc>
      <image:caption>A pencil drawing a rising curve on cream paper</image:caption>
      <image:title>How to Read a Yield Curve in Five Minutes</image:title>
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    <loc>https://www.myfreedomfinance.org/blog/the-emergency-fund-question</loc>
    <lastmod>2026-07-14</lastmod>
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    <priority>0.8</priority>
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      <image:loc>https://www.myfreedomfinance.org/__l5e/assets-v1/2d66dada-49cd-43b4-bb4f-38609ecfa47f/cover-emergency-fund.jpg</image:loc>
      <image:caption>A cash envelope and keys tucked in an open drawer</image:caption>
      <image:title>The Emergency Fund Question Nobody Answers Properly</image:title>
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  <url>
    <loc>https://www.myfreedomfinance.org/blog/what-a-brokerage-account-actually-is</loc>
    <lastmod>2026-07-07</lastmod>
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      <image:caption>A phone, laptop and coffee cup on a pale wooden desk</image:caption>
      <image:title>What a Brokerage Account Actually Is</image:title>
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