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      <image:caption>My all time favorite President!</image:caption>
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      <image:title>Blog - Travel Rewards Update #2: A look at our Credit Score and Over another $2,000 in Savings</image:title>
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      <image:title>Blog - Travel Rewards Update #2: A look at our Credit Score and Over another $2,000 in Savings</image:title>
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    <lastmod>2019-03-02</lastmod>
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      <image:title>Blog - One Really BIG Savings Goal for 2019</image:title>
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      <image:title>Blog - One Really BIG Savings Goal for 2019</image:title>
      <image:caption>Note: My wife’s parents have some money that they saved for my wife over the years. This was money that was leftover from a wedding fund that they had set aside. After our wedding, they told us that the left over money will be used for college funds for our kids. This year, we will be using $4,026 of it to invest in ESAs for our youngest daughters college fund. Hence, I called it a match, because this is money from my wife’s parents.</image:caption>
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      <image:title>Blog - One Really BIG Savings Goal for 2019</image:title>
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    <lastmod>2019-02-03</lastmod>
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    <lastmod>2019-05-19</lastmod>
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      <image:title>Blog - Travel Rewards Update #1: How We Saved over $2,000 in 3 months</image:title>
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      <image:title>Blog - Travel Rewards Update #1: How We Saved over $2,000 in 3 months</image:title>
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    <lastmod>2019-03-02</lastmod>
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    <loc>http://www.summitofcoin.com/blog/12/17/2018/choosefi-motivation</loc>
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    <loc>http://www.summitofcoin.com/blog/12/24/2018/how-does-a-parent-survive-during-the-holiday-season</loc>
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      <image:title>Blog - Year of Frugality: Month 11 Update</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1545017440432-A5GP62LKQU1Z4CHT44BQ/November2018+Savings+Rate.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 11 Update</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/11/5/2018/year-of-frugality-month-10-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-12-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1541246149229-DKP03B02EW1TFAKXPG3Y/Oct+2018+Savings.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 10 Update</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1541245288846-JYO60L5F1YGTBL9E3EOZ/Jan-Oct+2018.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 10 Update</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/10/30/2018/is-refinancing-your-mortgage-good-or-bad</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-11-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1540730804147-DFTJHR0F4NTAPNZ5C2EY/HomeEquity.png</image:loc>
      <image:title>Blog - Is a Cash-Out Refinance A Good Idea?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/10/22/2018/travel-hacking</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1540161612826-HIPO68PJ0AO04J5C8G30/Travel+Rewards+Part+2.png</image:loc>
      <image:title>Blog - Travel Hacking: Can It Really Save You $7,000 or More in Travel Expenses?</image:title>
      <image:caption>If you are having a hard time viewing the image, click on the image and you will be able to see all of my notes better.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1540159649919-TNP5UB6A4KARI40BZN55/Travel+Rewards+Part+1+.png</image:loc>
      <image:title>Blog - Travel Hacking: Can It Really Save You $7,000 or More in Travel Expenses?</image:title>
      <image:caption>If you are having a hard time viewing the image, click on the image and you will be able to see all of my notes better.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/10/15/2018/thoughts-on-paternity-leave</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-10-22</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/10/8/2018/year-of-frugality-month-9-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-11-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1538500580568-Z4W5FLDDBPTRTVQBA4NW/Spending+Rate+September+2018.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 9 Update</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1538500426761-7ZWUJGQ364VZCKZZIY8U/2018+Spending+%28Jan-Sept%29.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 9 Update</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/10/2/2018/sharpen-the-saw</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-10-02</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/9/17/2018/a-review-of-direct-tv-now</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-10-02</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/9/10/2018/year-of-frugality-month-8-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-10-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1536526581225-S3ZD0Y4Z06M52RPMVNC1/Jan-Aug+Spending+2018.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 8 Update</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1536529013559-ZVWA5TTLO1HF6YOH08CM/August+Spending+Rates+2018.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 8 Update</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/8/27/2018/cord-cutters</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-09-25</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/8/20/2018/three-years-into-our-mortgage-hows-it-going</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-08-26</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/8/6/2018/year-of-frugality-month-7-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-09-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1533472032080-YCCNVB0ZR7P8UPXQ3K3T/Spending+Jan-July+2018.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 7 Update</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1533494115513-6FJNJIRCRUJMKK2ZKXP9/Savings+Rate+July.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 7 Update</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/4/17/2017/rich-habits-concentration</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-08-05</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/7/23/2018/mini-retirement-trial</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-10-08</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/7/16/2018/happy-3rd-birthday-summit-of-coin</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-07-22</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/7/9/2018/year-of-frugality-month-6-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1530665315089-NZSTGFDH7MPZ9JOOEJTS/June+2018+Spending+Rate.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 6 Update</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1530664167819-S742GTX7RMX8CEYKY7YM/Jan-Jun+2018+Spending.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 6 Update</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/6/25/2018/rich-habits-control-your-emotions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-07-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1529785261328-BJZRP0K7BIMZ34YGPAYE/HomeEquity.png</image:loc>
      <image:title>Blog - 7 Reasons Controlling Your Emotions will Help you Become Financially Successful</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/6/25/2018/how-bad-is-retirement-looking-for-millennials</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1529089214514-KSOO78GWITN3ZWTQXTGY/Millennials+and+Retirement+2.png</image:loc>
      <image:title>Blog - How Bad is Retirement Looking for Millennials?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/6/18/2018/how-lucky-can-one-guy-be</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-18</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/6/11/2018/year-of-frugality-month-5-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-07-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1527863849571-SBMF7DR4XRK0MHXW6WJF/May+Savings+Rate+2018.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 5 Update</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1527862986912-49C01RTT3VLT107W8RD8/Spending+Jan-May+18.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 5 Update</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/6/6/2018/41-ways-to-entertain-kids-summer-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-30</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/6/4/2018/41-ways-to-entertain-kids-summer-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-04</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/5/28/2018/respect</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-31</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/5/21/2018/is-buying-bulk-really-worth-it</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1526839311430-I2AN3BMWN894S64WWYOT/Jan18-Apr18+Grocery+Spending.png</image:loc>
      <image:title>Blog - Is Buying Bulk Really Worth It?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1526840519324-YKXT99QYYBY4QGEL1622/May17-Apr18.png</image:loc>
      <image:title>Blog - Is Buying Bulk Really Worth It?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/5/7/2018/year-of-frugality-month-4-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-07-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1525570140945-XGZW6OIJD887OP6TR9YJ/Apr+2018+Spending+Rate+.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 4 Update</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/4/30/2018/the-great-pension-myth</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1524425560884-BLU87Z573HM5DX08RDOX/Pension2.png</image:loc>
      <image:title>Blog - The Great Pension Myth</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1524424218507-5U8ZPS6K0CQ5EHOH4382/Pension1.png</image:loc>
      <image:title>Blog - The Great Pension Myth</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/4/23/2018/ways-to-celebrate-arbor-day</loc>
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    <priority>0.5</priority>
    <lastmod>2018-04-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1523828153063-215CUZY54PU6KMXSJWON/ArborDay3.jpeg</image:loc>
      <image:title>Blog - Ways to Celebrate Arbor Day</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1523828196571-Z9081I5XS8XSCGR9H5RL/ArborDay4.jpeg</image:loc>
      <image:title>Blog - Ways to Celebrate Arbor Day</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/4/16/2018/fsa-vs-hsa</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-04-29</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/4/9/2018/year-of-frugality-month-3-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1522613831293-SKMQCBZ0OYVOIO001618/March+Spending+2018.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 3 Update</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/4/2/2018/combat-rising-college-tuition</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-04-09</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/4/26/2018/the-great-recommendation-article</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1522010862813-NCAC3NN2JCP9PVB49WLV/USLegal.jpg</image:loc>
      <image:title>Blog - Summit of Coin Recommends</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/3/19/2018/rethink-streaming-live-tv</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-26</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/3/14/2018/direct-tv-now-best-deal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1520866234188-ZART2TZTRCZZYMXYTBUJ/DirectTV+Now2.png</image:loc>
      <image:title>Blog - Could DirectTV Now Offer the Best Deal for Cord Cutters?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1520865497772-ILG5G4DS398UUDB560V7/Direct+TV+Now.png</image:loc>
      <image:title>Blog - Could DirectTV Now Offer the Best Deal for Cord Cutters?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1520868977514-P2V4BZHS10BMZBD7RZV8/DirectTV+Now3.png</image:loc>
      <image:title>Blog - Could DirectTV Now Offer the Best Deal for Cord Cutters?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1521036053424-JQ0KH0QZFBCU66AQGFEV/DirectTV+Now4.png</image:loc>
      <image:title>Blog - Could DirectTV Now Offer the Best Deal for Cord Cutters?</image:title>
      <image:caption>Image from today (3/14/18) as I signed up for DirectTV Now. Note: it does not include the one-week free trial as stated above.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/3/12/2018/the-summit-of-coin-millionaire-pledge</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-26</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/3/5/2018/year-of-frugality-month-2-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1520119613406-M346Q5SQEOYRF2L3YWKT/February+Spending.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 2 Update</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/2/26/2018/dangers-of-gambling</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-04</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/2/12/2018/our-saving-process</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-12</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/2/12/2018/valentines-day-on-a-budget</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-02-25</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/2/5/2018/year-of-frugality-month-1-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1517683453850-573TD6RVV410ZZH3JUFK/January+2018.png</image:loc>
      <image:title>Blog - Year of Frugality: Month 1 Update</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/12/18/2017/where-do-you-come-from-financially</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-02-25</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/1/22/2018/is-it-time-for-us-to-start-looking-for-a-newer-car</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1516207591051-ZO79ZJIO6ZMZQUXTR2UZ/Auto+Repair+2017.png</image:loc>
      <image:title>Blog - Is It Time for us to Start Looking for a Newer Car?</image:title>
      <image:caption>The $483 average monthly payment is based off of 2016 numbers of average car payments in America. According to Experian, data suggests that the average car payment in America has increased to $493 a month. I used $483, because somebody with a loan payment in 2016 will be paying the same in 2017.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/1/15/2018/the-beauty-of-investing</loc>
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    <priority>0.5</priority>
    <lastmod>2018-01-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1515970149826-PW2YZ3SB2RIFAU0R2K2U/Growthinv.png</image:loc>
      <image:title>Blog - The Beauty of Investing</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1515969136069-KTYSLPHOJMOUNXK0HGPO/Personal+Capital+sp+vs+you.png</image:loc>
      <image:title>Blog - The Beauty of Investing</image:title>
      <image:caption>Source: Personal Capital</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1516026715204-9PWOOWJHPGIPTGJN8427/SP500.png</image:loc>
      <image:title>Blog - The Beauty of Investing</image:title>
      <image:caption>Source: Morningstar.com</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/1/8/2018/the-2017-summit-of-coin-spending-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-02-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1515313263635-ZTQRG12FGKLJ6UGAVN2K/December+Spending+Report.png</image:loc>
      <image:title>Blog - The 2017 Summit of Coin Spending Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1515359898400-N5LAY6OQGPZ3HOYJ8X7R/Savings+Rate+Entire+Year.png</image:loc>
      <image:title>Blog - The 2017 Summit of Coin Spending Report</image:title>
      <image:caption>In October, I began splitting up the tracking of daycare expenses and all other my kids expenses. This allows me to track minor expenses for my daughter better without sifting through all of the daycare expenses each month. The last three months and yearly percentages reflect this change in tracking expenses.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1515362096255-B57BOTT9KFMOA2OV7KSV/FIRE+PROWESS+End+2017.png</image:loc>
      <image:title>Blog - The 2017 Summit of Coin Spending Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1515311830253-OW911ZYKF6XHK6TKVI3C/October+Spending+2017.png</image:loc>
      <image:title>Blog - The 2017 Summit of Coin Spending Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1515312621901-JYB5A6BLUH64FT582KJU/November+Spending+2017.png</image:loc>
      <image:title>Blog - The 2017 Summit of Coin Spending Report</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/1/1/2018/frugal-new-year</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-04</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/12/25/2017/its-the-giving-season</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1514049973335-X2N84JV39OS1RNF0JOZR/llBVuKZARuS9j%256HQMIhYg.jpg</image:loc>
      <image:title>Blog - It's The Giving Season</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1514220480337-U53NYX3IUKX02HIS1A0Z/aJRbQri0SjW3N0sQvCt3GQ.jpg</image:loc>
      <image:title>Blog - It's The Giving Season</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/12/19/2017/ways-to-save-money-this-holiday-season</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-29</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/12/5/2017/the-aftermath-of-the-nothing-new-challenge</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-25</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/11/27/2017/a-thanksgiving-to-remember-31-reasons-to-be-exact</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/11/23/2017/the-thanksgiving-challenge-revisited</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-24</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/11/21/2017/the-retailers-ploy-to-make-us-spend-money</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-22</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/11/14/2017/optoutside-instead-of-shop</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1510575991392-49CYV45UR8FSKXNQBZ1V/Lines.jpeg</image:loc>
      <image:title>Blog - Five Reasons to #OptOutside instead of Shop on Black Friday -            </image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1510576134595-GYF3PHUAZVJMVC7SFFX6/Hike.jpeg</image:loc>
      <image:title>Blog - Five Reasons to #OptOutside instead of Shop on Black Friday</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/12/6/2017/nothing-new-challenge-month-3-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-02-03</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/10/6/2017/our-2017-third-quarter-spending-rate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1507487081950-7RL8ITEHVPEAKITN1AKY/July+Spending+.png</image:loc>
      <image:title>Blog - Our 2017 Third Quarter Spending Rate</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1507487885974-UP05HD46IPINBQCKKI0S/August+Spending.png</image:loc>
      <image:title>Blog - Our 2017 Third Quarter Spending Rate</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1507490135878-O6PV6NTOI4KTKEI667RO/January-Sept+Savings+Rate.png</image:loc>
      <image:title>Blog - Our 2017 Third Quarter Spending Rate</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1507491217372-478QMBTFCR67IGSWNK4C/FIRE+Prowess+Update+Oct.png</image:loc>
      <image:title>Blog - Our 2017 Third Quarter Spending Rate</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1507488881913-093KUY4V8J69TS3EMTYN/September+Spending.png</image:loc>
      <image:title>Blog - Our 2017 Third Quarter Spending Rate</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/10/2/2017/nothing-new-challenge-month-2-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-06</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/9/25/2017/reasons-we-use-credit-cards</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-10-08</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/9/22/2017/is-student-loan-forgiveness-worth-it</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-09-24</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/3/24/2017/what-is-a-reit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-09-22</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/9/5/2017/nothing-new-challenge-month-1-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1504197061857-HHDKV7LM76J6PHX29BZM/IMG_6401.JPG</image:loc>
      <image:title>Blog - Nothing New Challenge: Month 1 Update</image:title>
      <image:caption>These items were given to us by a family member.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1504196791448-UQSU2G1JQ6CB5L9EH3CU/IMG_6402.JPG</image:loc>
      <image:title>Blog - Nothing New Challenge: Month 1 Update</image:title>
      <image:caption>We had been talking about getting this for our daughter. Found it on a classifieds site for $20 used!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/9/1/2017/savings-rate-or-fire-prowess-gauge</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-09-27</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/8/28/2017/hurricane-harvey-a-true-emergency</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1503911077956-MIQEVAMAFAQSAXGNCK8G/IMG_7262.JPG</image:loc>
      <image:title>Blog - Hurricane Harvey: A True Emergency</image:title>
      <image:caption>A view from the retention pond from 10 am Sunday August 27th.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/8/25/2017/trump-policies-pocketbook</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-28</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/8/21/2017/first-things-first</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-21</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/8/18/2017/two-years-into-our-mortgage-hows-it-going</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-26</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/8/14/2017/how-do-cord-cutters-still-watch-sports</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-08-26</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/8/11/2017/company-student-loan-debt-benefit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-11</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/8/7/2017/proactive-versus-reactive</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-18</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/8/4/2017/smartphone-back-to-school</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-19</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/7/31/2017/our-nothing-new-challenge</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-29</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/7/28/2017/stockpile-review</loc>
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    <priority>0.5</priority>
    <lastmod>2017-07-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1500850935806-WW43DFM6KAVNX3S8O8CW/image-asset.png</image:loc>
      <image:title>Blog - A Complete Review of Stockpile</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/7/24/2017/stockpile-experiment</loc>
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    <priority>0.5</priority>
    <lastmod>2018-03-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1499979654831-EQQ2OKKUOQS9GPDA4L8G/Stockpile3.png</image:loc>
      <image:title>Blog - The Stockpile Experiment</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1500024307420-YP2H0RMYUUL8ZEH0Q6NS/image-asset.png</image:loc>
      <image:title>Blog - The Stockpile Experiment</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1500024218602-BCKFEDOY9M33SR2TM2XE/image-asset.png</image:loc>
      <image:title>Blog - The Stockpile Experiment</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1500727612587-RS88XHV6FL8HZXGXL1IN/image-asset.png</image:loc>
      <image:title>Blog - The Stockpile Experiment</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1500727553939-OXK9EWTE8794VD9FJDH6/Stockpile720.png</image:loc>
      <image:title>Blog - The Stockpile Experiment</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1500024340828-36J98LDEL1CQMIBCD7KV/image-asset.png</image:loc>
      <image:title>Blog - The Stockpile Experiment</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1500054947439-1YFALF8I7RCLE7398PNN/stockpile-logo-purple-720x320px.png</image:loc>
      <image:title>Blog - The Stockpile Experiment</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1500024423321-JLG7349DVW6HZNFEFXOS/image-asset.png</image:loc>
      <image:title>Blog - The Stockpile Experiment</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1499979440977-56PUKKHTZU6L8HBJ9LKN/Stockpile.png</image:loc>
      <image:title>Blog - The Stockpile Experiment</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1500024262293-NILT5QE4A2WDJXW6CRNB/image-asset.png</image:loc>
      <image:title>Blog - The Stockpile Experiment</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/7/21/2017/a-review-of-stockpile-and-some-advice-on-investing</loc>
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    <priority>0.5</priority>
    <lastmod>2017-07-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1499895609164-FTPAQDJ8BBWKEDYLYOQB/stockpile-logo-purple-720x320px.png</image:loc>
      <image:title>Blog - My Investing Principles</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/7/17/2017/student-loan-forgiveness-where-do-i-start</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-07-17</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/7/14/2017/2nd-birthday</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-07-13</lastmod>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/7/10/2017/political-party</loc>
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    <priority>0.5</priority>
    <lastmod>2017-07-12</lastmod>
    <image:image>
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      <image:title>Blog - Should the Political Party in Power Effect your Savings?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1499365912996-508DG6K6XPZ47SGS8WDL/image-asset.png</image:loc>
      <image:title>Blog - Should the Political Party in Power Effect your Savings?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/7/7/2017/our-2017-second-quarter-spending-rate</loc>
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    <priority>0.5</priority>
    <lastmod>2017-10-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1499094464052-65PJIXHPB9GIYMOKN7LM/image-asset.png</image:loc>
      <image:title>Blog - Our 2017 Second Quarter Spending Rate</image:title>
    </image:image>
    <image:image>
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      <image:title>Blog - Our 2017 Second Quarter Spending Rate</image:title>
    </image:image>
    <image:image>
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      <image:title>Blog - Our 2017 Second Quarter Spending Rate</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1499078651530-W9QFOSEJ2JJQE5A5SOZP/image-asset.png</image:loc>
      <image:title>Blog - Our 2017 Second Quarter Spending Rate</image:title>
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  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/7/3/2017/have-fun</loc>
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    <priority>0.5</priority>
    <lastmod>2017-08-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1498788712495-KXX6NG3RZ6DQFNHESAV8/image-asset.png</image:loc>
      <image:title>Blog - Rich Habit: Have Fun</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.summitofcoin.com/blog/6/14/2017/why-does-the-stock-market-go-up-over-time</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-07-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1498510166797-UG008IOXZZ3B26SKY6CI/stockpile-logo-purple-720x320px.png</image:loc>
      <image:title>Blog - Why Does the Stock Market Go Up Over Time?</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/559807fbe4b00f5f813efa2f/1498505547240-EX04EUIWPNZ7E5UZ0XWE/image-asset.png</image:loc>
      <image:title>Blog - Why Does the Stock Market Go Up Over Time?</image:title>
      <image:caption>A photo of the value of the S&amp;P 500 from 1870 to 2010ish.</image:caption>
    </image:image>
  </url>
  <url>
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      <image:caption>Source: CollegeData.com: Texas A&amp;M; Rice; and Nebraska (Click on Image to make it clearer).</image:caption>
    </image:image>
  </url>
  <url>
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      <image:title>Blog - Sling TV Update: The Olympic &amp; Big 12 Edition</image:title>
      <image:caption>Source: Sling.com</image:caption>
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      <image:title>Blog - Sling TV Update: The Olympic &amp; Big 12 Edition</image:title>
      <image:caption>Source: Sling.com</image:caption>
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      <image:title>Blog - Sling TV Update: The Olympic &amp; Big 12 Edition</image:title>
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      <image:title>Blog - Sling TV Update: The Olympic &amp; Big 12 Edition</image:title>
      <image:caption>Source: Sling.com</image:caption>
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      <image:title>Blog - Sling TV Update: The Olympic &amp; Big 12 Edition</image:title>
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      <image:title>Blog - Good News: Millennials are Preparing for Retirement</image:title>
      <image:caption>Source: Ramsey Solutions</image:caption>
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      <image:caption>Nebraska at Iowa, Black Friday 2014.</image:caption>
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