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      <image:caption>Equity in the house remaining on a $1 million house with an income drawn of $22,700 a year for 10 years using different rates of house price appreciation. Reverse mortgage product vs Lifetime Home product</image:caption>
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      <image:caption>Equity in the house remaining on a $1 million house with an income drawn of $22,700 a year for 10 years using different mortgage interest rates. Reverse mortgage product vs Lifetime Home product on a house that gains in value by 3% per year.</image:caption>
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      <image:caption>Equity in the house remaining on a $1 million house with an income drawn of $22,700 a year for 10 years using different mortgage interest rates. Reverse mortgage product vs Lifetime Home product on a house that gains in value by 1% per year.</image:caption>
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      <image:caption>Equity in the house remaining on a $1 million house with an income drawn of $22,700 a year for 10 years using different mortgage interest rates. Reverse mortgage product vs Lifetime Home product on a house that gains in value by 3% per year.</image:caption>
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      <image:title>Retirement planning - Reverse mortgage or Lifetime Home for retirement income? - Make it stand out</image:title>
      <image:caption>Equity in the house remaining on a $1 million house with an income drawn of $22,700 a year for 10 years using different mortgage interest rates. Reverse mortgage product vs Lifetime Home product on a house that gains in value by 5% per year.</image:caption>
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      <image:title>Retirement planning - Reverse mortgage or Lifetime Home for retirement income? - Make it stand out</image:title>
      <image:caption>Equity in the house remaining on a $1 million house with an income drawn of $22,700 a year for 10 years using different mortgage interest rates. Reverse mortgage product vs Lifetime Home product on a house that gains in value by 7% per year.</image:caption>
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      <image:title>Retirement planning - Reverse mortgage or Lifetime Home for retirement income? - Make it stand out</image:title>
      <image:caption>Equity in the house remaining on a $1 million house with an income drawn of $22,700 a year for 10 years using different mortgage interest rates. Reverse mortgage product vs Lifetime Home product on a house that gains in value by 3% per year.</image:caption>
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      <image:title>Retirement planning - Reverse mortgages in New Zealand - Make it stand out</image:title>
      <image:caption>Loan balance on a $50,000 reverse mortgage over various time periods with a 10% interest rate</image:caption>
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      <image:title>Retirement planning - Reverse mortgages in New Zealand - Make it stand out</image:title>
      <image:caption>Loan balance on a $100,000 reverse mortgage over various time periods with a 10% interest rate</image:caption>
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      <image:title>Retirement planning - Reverse mortgages in New Zealand - Make it stand out</image:title>
      <image:caption>Loan balance on a $150,000 reverse mortgage over various time periods with a 10% interest rate</image:caption>
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      <image:title>Retirement planning - Reverse mortgages in New Zealand - Make it stand out</image:title>
      <image:caption>Loan balance on a $200,000 reverse mortgage over various time periods with a 10% interest rate</image:caption>
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      <image:title>Retirement planning - Reverse mortgages in New Zealand - Make it stand out</image:title>
      <image:caption>Loan balance on a $300,000 reverse mortgage over various time periods with a 10% interest rate</image:caption>
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      <image:title>Retirement planning - Reverse mortgages in New Zealand - Make it stand out</image:title>
      <image:caption>House gains needed to match a reverse mortgage loan that is 5% of a houses value</image:caption>
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      <image:title>Retirement planning - Reverse mortgages in New Zealand - Make it stand out</image:title>
      <image:caption>House gains needed to match a reverse mortgage loan that is 10% of a houses value</image:caption>
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      <image:title>Retirement planning - Reverse mortgages in New Zealand - Make it stand out</image:title>
      <image:caption>House gains needed to match a reverse mortgage loan that is 20% of a houses value</image:caption>
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      <image:title>Retirement planning - Reverse mortgages in New Zealand - Make it stand out</image:title>
      <image:caption>House gains needed to match a reverse mortgage loan that is 30% of a houses value</image:caption>
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      <image:title>Retirement planning - Reverse mortgages in New Zealand - Make it stand out</image:title>
      <image:caption>How much your house will need to increase in value to both pay off the reverse mortgage loan and maintain the original equity in the property on a reverse mortgage loan 5% of the value of the house at 10% interest rate</image:caption>
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      <image:title>Retirement planning - Reverse mortgages in New Zealand - Make it stand out</image:title>
      <image:caption>How much your house will need to increase in value to both pay off the reverse mortgage loan and maintain the original equity in the property on a reverse mortgage loan 10% of the value of the house at 10% interest rate</image:caption>
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    <image:image>
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      <image:title>Retirement planning - Reverse mortgages in New Zealand - Make it stand out</image:title>
      <image:caption>How much your house will need to increase in value to both pay off the reverse mortgage loan and maintain the original equity in the property on a reverse mortgage loan 20% of the value of the house at 10% interest rate</image:caption>
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      <image:title>Retirement planning - Reverse mortgages in New Zealand - Make it stand out</image:title>
      <image:caption>How much your house will need to increase in value to both pay off the reverse mortgage loan and maintain the original equity in the property on a reverse mortgage loan 30% of the value of the house at 10% interest rate</image:caption>
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      <image:title>Retirement planning - Lifetime home has arrived - Make it stand out</image:title>
      <image:caption>Income from Lifetime home product</image:caption>
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    <loc>https://www.yourmoneyblueprint.co.nz/retirement-planning-2/2023/12/17/what-are-you-retiring-from</loc>
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    <lastmod>2024-04-11</lastmod>
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    <lastmod>2024-04-11</lastmod>
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    <loc>https://www.yourmoneyblueprint.co.nz/retirement-planning-2/2021/11/28/the-downside-of-managed-funds-in-retirement</loc>
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      <image:title>Retirement planning - The downside of managed funds in retirement - Make it stand out</image:title>
      <image:caption>Results of withdrawals in retirement from a balanced investment fund</image:caption>
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      <image:title>Retirement planning - The downside of managed funds in retirement - Make it stand out</image:title>
      <image:caption>Results of withdrawals in retirement from a 60% stock and 40% bond investment portfolio</image:caption>
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      <image:title>Retirement planning - The downside of managed funds in retirement - Make it stand out</image:title>
      <image:caption>Results of retirement withdrawals between a stock/bond portfolio vs a balanced portfolio</image:caption>
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      <image:title>Retirement planning - The average retirement may be pretty average indeed - Make it stand out</image:title>
      <image:caption>How long money will last for the average retirement in New Zealand</image:caption>
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      <image:title>Retirement planning - The average retirement may be pretty average indeed - Make it stand out</image:title>
      <image:caption>How long money will last for the average retirement in New Zealand</image:caption>
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    <loc>https://www.yourmoneyblueprint.co.nz/retirement-planning-2/2020/9/29/retirement-planning-is-more-important-now-than-ever</loc>
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    <loc>https://www.yourmoneyblueprint.co.nz/retirement-planning-2/2020/9/27/the-impact-of-inflation-on-annuities</loc>
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    <lastmod>2024-04-11</lastmod>
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      <image:title>Retirement planning - The impact of inflation on annuities</image:title>
      <image:caption>Annual annuity payments</image:caption>
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      <image:title>Retirement planning - The impact of inflation on annuities</image:title>
      <image:caption>The impact of inflation on fixed annuity products</image:caption>
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    <loc>https://www.yourmoneyblueprint.co.nz/retirement-planning-2/2020/3/31/the-difference-just-one-year-can-make-in-your-retirement-balance</loc>
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      <image:title>Retirement planning - The difference just one year can make in your retirement balance</image:title>
      <image:caption>Three contrasting examples of sequence of investment returns</image:caption>
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      <image:title>Retirement planning - The difference just one year can make in your retirement balance</image:title>
      <image:caption>Full range of sequence of returns results</image:caption>
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    <loc>https://www.yourmoneyblueprint.co.nz/retirement-planning-2/2020/7/5/types-of-retirement</loc>
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      <image:title>Retirement planning - There is more than one way to retire</image:title>
      <image:caption>TRADITIONAL RETIREMENT TIMELINE</image:caption>
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      <image:title>Retirement planning - There is more than one way to retire</image:title>
      <image:caption>EARLY RETIREMENT TIMELINE</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1580593051250-6M0NI0I4CEPYZ6ETYBA9/Mini+retirement+timeline</image:loc>
      <image:title>Retirement planning - There is more than one way to retire</image:title>
      <image:caption>MINI RETIREMENT TIMELINE</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1580593213585-3XJK8QTKOI46HSHT0TEF/Semi+retirement+timeline</image:loc>
      <image:title>Retirement planning - There is more than one way to retire</image:title>
      <image:caption>SEMI RETIREMENT TIMELINE</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1580593356353-6A6PLITCVFRGIDLA2GMK/Temporary+retirement+timeline</image:loc>
      <image:title>Retirement planning - There is more than one way to retire</image:title>
      <image:caption>TEMPORARY RETIREMENT TIMELINE</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1580593487235-6NQ60Q7WD23H5C7RSJ6H/Summary+of+the+timelines+of+the+different+paths+to+retirement</image:loc>
      <image:title>Retirement planning - There is more than one way to retire</image:title>
      <image:caption>Summary of the timelines of the different paths to retirement</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1580593502792-7FQYG47E6ZT9Y2QZCLYS/G.png</image:loc>
      <image:title>Retirement planning - There is more than one way to retire</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/retirement-planning-2/2020/6/28/retirement-the-best-purchase-youll-ever-make</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/retirement-planning-2/2020/11/15/why-the-4-per-cent-rule-should-not-be-used-for-your-retirement-planning</loc>
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    <lastmod>2025-10-14</lastmod>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/retirement-planning-2/2020/4/26/the-similarities-between-the-lockdown-and-retirement</loc>
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    <lastmod>2024-11-22</lastmod>
  </url>
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    <lastmod>2024-04-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1573512353183-MNEMG9W5KJRKDUBXOMLY/Investment+balance+with+5%25+investment+returns</image:loc>
      <image:title>Retirement planning - Investing too conservatively may hamper your retirement</image:title>
      <image:caption>Investment balance with 5% investment returns</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1573512403364-MUXFA5KZ9YX0T36GB8B4/Investment+balance+with+6%25+investment+returns</image:loc>
      <image:title>Retirement planning - Investing too conservatively may hamper your retirement</image:title>
      <image:caption>Investment balance with 6% investment returns</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1573512436518-VKSMH3IQIVOY708QDFCB/Investment+balance+saving+%2410%2C000+a+year+more</image:loc>
      <image:title>Retirement planning - Investing too conservatively may hamper your retirement</image:title>
      <image:caption>Investment balance saving $10,000 a year more</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1573512478946-71VRF7DAXVBPEQLY77HD/Investment+balance+saving+%2410%2C000+a+year+more+and+6%25+investment+returns</image:loc>
      <image:title>Retirement planning - Investing too conservatively may hamper your retirement</image:title>
      <image:caption>Investment balance saving $10,000 a year more and 6% investment returns</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/retirement-planning-2/2019/7/18/your-house-is-not-a-retirement-plan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-12</lastmod>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/retirement-planning-2/2019/6/13/unlike-hansel-and-gretel-you-cant-eat-your-house</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2024-11-22</lastmod>
  </url>
  <url>
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    <priority>0.5</priority>
    <lastmod>2024-04-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1527477148777-TQI33GL56YM9NBMPTZC0/Increasing+equity+glidepath+results</image:loc>
      <image:title>Retirement planning - Equity glidepaths as a hedge against retirement risk</image:title>
      <image:caption>Increasing equity glidepath results</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1527477396844-I0MGUV5S8HDNVRFY8YQC/Decreasing+equity+glidepath+results</image:loc>
      <image:title>Retirement planning - Equity glidepaths as a hedge against retirement risk</image:title>
      <image:caption>Decreasing equity glidepath results</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1527477453063-OF71SW9U788W2NLP5WUO/Static+equity+glidepath+results</image:loc>
      <image:title>Retirement planning - Equity glidepaths as a hedge against retirement risk</image:title>
      <image:caption>Static equity glidepath results</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1527477514660-140V8GPI271Y3NYRS5BY/Range+of+equity+glidepath+scenarios+success+rates</image:loc>
      <image:title>Retirement planning - Equity glidepaths as a hedge against retirement risk</image:title>
      <image:caption>Range of equity glidepath scenarios success rates</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1527477536163-XW1HN124SMGA1LQL2J8J/Range+of+equity+glidepath+scenarios+best+and+worst+results</image:loc>
      <image:title>Retirement planning - Equity glidepaths as a hedge against retirement risk</image:title>
      <image:caption>Range of equity glidepath scenarios best and worst results</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1527477551498-DRHUB8BA4H2UV1H8MNAK/Range+of+equity+glidepath+scenarios+median+results</image:loc>
      <image:title>Retirement planning - Equity glidepaths as a hedge against retirement risk</image:title>
      <image:caption>Range of equity glidepath scenarios median results</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1527477562835-W3843XHD8C0XM8UX9ZAM/Range+of+equity+glidepath+scenarios+average+successful+safe+withdrawal+rates</image:loc>
      <image:title>Retirement planning - Equity glidepaths as a hedge against retirement risk</image:title>
      <image:caption>Range of equity glidepath scenarios average successful safe withdrawal rates</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1527477581290-1N8LNDGETDRMHLS6C0Z7/Range+of+equity+glidepath+scenarios+best+and+worst+safe+withdrawal+rates</image:loc>
      <image:title>Retirement planning - Equity glidepaths as a hedge against retirement risk</image:title>
      <image:caption>Range of equity glidepath scenarios best and worst safe withdrawal rates</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/retirement-planning-2/2018/5/27/the-4-per-cent-rule-in-a-new-zealand-context</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-22</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1527474652089-83WF840SX12EOSTQHX0C/The+4%25+rule+in+a+New+Zealand+context</image:loc>
      <image:title>Retirement planning - The 4% rule in a New Zealand context</image:title>
      <image:caption>4% rule in New Zealand results</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/retirement-planning-2/2018/9/9/retirement-for-beginners-part-12stress-test-your-retirement</loc>
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    <lastmod>2024-11-22</lastmod>
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    <lastmod>2024-04-11</lastmod>
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    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
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    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2024-04-11</lastmod>
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  <url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2024-04-12</lastmod>
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  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/retirement-planning-2/2018/9/2/the-beginners-guide-to-retirement-part-3how-much-do-you-need-to-retire</loc>
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    <lastmod>2024-04-12</lastmod>
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    <lastmod>2024-11-22</lastmod>
    <image:image>
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      <image:title>Retirement planning - The beginners guide to retirement part 2: When can I retire?</image:title>
      <image:caption>*** See table notes at the end of the article</image:caption>
    </image:image>
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      <image:title>Investment planning/Wealth management - Don't let InvestNow Foundation Series buy and sell fees put you off - Make it stand out</image:title>
      <image:caption>20 year difference in returns between the InvestNow Foundation Series world fund and a 0.3% management fee fund for a buy and hold investor</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/7d1aca9e-1b66-4468-a017-92997d41385f/BA.png</image:loc>
      <image:title>Investment planning/Wealth management - Don't let InvestNow Foundation Series buy and sell fees put you off - Make it stand out</image:title>
      <image:caption>20 year difference in returns between the InvestNow Foundation Series world fund and a 0.3% management fee fund for a regular investor</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/f40af119-3173-4d58-af16-5c094477fe46/AA.png</image:loc>
      <image:title>Investment planning/Wealth management - Don't let InvestNow Foundation Series buy and sell fees put you off - Make it stand out</image:title>
      <image:caption>20 year difference in returns between the InvestNow Foundation Series world fund and a 0.3% management fee fund for a investor drawing down from their portfolio</image:caption>
    </image:image>
  </url>
  <url>
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  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/investment-planning-2/2025/7/22/why-market-timing-doesnt-work</loc>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/2ba160fc-f077-46c6-aaeb-0f971b3113ab/ABC.png</image:loc>
      <image:title>Investment planning/Wealth management - Why market timing doesn't work - Make it stand out</image:title>
      <image:caption>S &amp; P 500 annualised returns 2004 to 2024 for four types of investors</image:caption>
    </image:image>
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  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/investment-planning-2/2025/7/15/after-tax-difference-in-returns-using-fdr-tax-vs-fdr-and-cv-alternating</loc>
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    <lastmod>2025-07-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/d7923172-9c66-41cc-bfcb-56162ef74c24/AA.png</image:loc>
      <image:title>Investment planning/Wealth management - After tax difference in returns using FDR tax vs FDR and CV alternating - Make it stand out</image:title>
      <image:caption>S &amp; P 500 2004 to 2025 difference in after tax returns between a PIE fund and a non PIE fund at different tax rates</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/0cb05fbd-67a4-4135-a1ba-2a41a5a2e4be/BB.png</image:loc>
      <image:title>Investment planning/Wealth management - After tax difference in returns using FDR tax vs FDR and CV alternating - Make it stand out</image:title>
      <image:caption>S &amp; P 500 2004 to 2025 difference in after tax returns between an investor using just the FDR method vs an investor using both the FDR and CV method at different tax rates</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/c0433492-1bfd-44a8-af59-f1b51ac09dfd/CC.png</image:loc>
      <image:title>Investment planning/Wealth management - After tax difference in returns using FDR tax vs FDR and CV alternating - Make it stand out</image:title>
      <image:caption>S &amp; P 500 2004 to 2025 difference in after tax returns between a PIE fund, a non PIE fund with FDR tax, and a non PIE fund with both FDR and CV tax at different tax rates</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/investment-planning-2/2025/7/15/after-tax-difference-in-returns-between-an-international-pie-fund-and-a-non-pie-fif-fund</loc>
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    <lastmod>2025-07-16</lastmod>
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      <image:title>Investment planning/Wealth management - After tax difference in returns between an international PIE fund and a non PIE (FIF) fund) - Make it stand out</image:title>
      <image:caption>S &amp; P 500 21 year (Jan 2004 to Jan 2025) after tax returns at different tax rates for both a PIE fund and a non PIE fund</image:caption>
    </image:image>
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  <url>
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      <image:title>Investment planning/Wealth management - Why do fund companies have such a high allocation towards NZ shares? - Make it stand out</image:title>
      <image:caption>2004 to 2025 US500 annualised returns after payment of FIF tax at different tax rates</image:caption>
    </image:image>
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  <url>
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      <image:title>Investment planning/Wealth management - Investing using the bucket strategy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2024-08-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/770bb6b2-ab96-47b2-8b4b-7f75d0c8be7e/A.png</image:loc>
      <image:title>Investment planning/Wealth management - Higher interest rates don't necessarily make cash a good option - Make it stand out</image:title>
      <image:caption>$1,000 a month invested for 10 years at various investment returns</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/af872546-c169-4fc2-be72-f409bc0eb51b/B.png</image:loc>
      <image:title>Investment planning/Wealth management - Higher interest rates don't necessarily make cash a good option - Make it stand out</image:title>
      <image:caption>$1,000 a month invested for 20 years at various investment returns</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/e7fcd049-2da5-4f33-8432-930621156728/C.png</image:loc>
      <image:title>Investment planning/Wealth management - Higher interest rates don't necessarily make cash a good option - Make it stand out</image:title>
      <image:caption>$1,000 a month invested for 30 years at various investment returns</image:caption>
    </image:image>
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      <image:caption>The difference between investment returns and investor returns</image:caption>
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      <image:title>Investment planning/Wealth management - Fighting back from investment losses is an uphill battle - Make it stand out</image:title>
      <image:caption>Annual investment returns from a volatile asset</image:caption>
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      <image:title>Investment planning/Wealth management - Fighting back from investment losses is an uphill battle - Make it stand out</image:title>
      <image:caption>Annual investment returns from a ‘safer’ asset</image:caption>
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      <image:title>Investment planning/Wealth management - Fighting back from investment losses is an uphill battle - Make it stand out</image:title>
      <image:caption>10% investment returns over 20 years</image:caption>
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      <image:title>Investment planning/Wealth management - Fighting back from investment losses is an uphill battle - Make it stand out</image:title>
      <image:caption>Investment returns needed to break even from a loss</image:caption>
    </image:image>
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    <loc>https://www.yourmoneyblueprint.co.nz/investment-planning-2/2022/5/15/why-rising-interest-rates-are-not-the-end-of-bonds</loc>
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  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/investment-planning-2/2022/4/17/embrace-your-humility-when-investing</loc>
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    <loc>https://www.yourmoneyblueprint.co.nz/investment-planning-2/2022/3/13/the-long-game-is-not-a-short-game</loc>
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      <image:caption>Investment returns over 10 years at 5% interest rate</image:caption>
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      <image:title>Investment planning/Wealth management - Investing over returns</image:title>
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      <image:title>Investment planning/Wealth management - Hot stocks for the new year</image:title>
      <image:caption>2018 stock picking rankings</image:caption>
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      <image:caption>Average three year returns of stock pickers</image:caption>
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      <image:title>Investment planning/Wealth management - Hot stocks for the new year</image:title>
      <image:caption>Compounded average three year returns of stock pickers</image:caption>
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      <image:title>Investment planning/Wealth management - Hot stocks for the new year</image:title>
      <image:caption>Range of investment returns of active funds</image:caption>
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      <image:caption>2018 stock picking rankings</image:caption>
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      <image:caption>2017 stock picking rankings</image:caption>
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      <image:title>Investment planning/Wealth management - Hot stocks for the new year</image:title>
      <image:caption>Average two year returns of stock pickers</image:caption>
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      <image:title>Investment planning/Wealth management - Hot stocks for the new year</image:title>
      <image:caption>Compounded average two year returns of stock pickers</image:caption>
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      <image:title>KiwiSaver - Is using Kiwisaver to buy a house good idea?</image:title>
      <image:caption>Housing police</image:caption>
    </image:image>
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    <changefreq>monthly</changefreq>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/076b8f44-8c1d-43af-9f76-03f4beabb906/Years+to+retirement+at+different+savings+rates</image:loc>
      <image:title>Financial independence/Early retirement - Are you saving too much money? - Make it stand out</image:title>
      <image:caption>Source: Mr Money Mustache</image:caption>
    </image:image>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1576277297161-J1HYCMZVOFFS0CTQMG03/Standard+path+to+retirement</image:loc>
      <image:title>Financial independence/Early retirement - The paradox of FIRE - Why slowing down now may appeal</image:title>
      <image:caption>Standard path. This is the path the majority of us take. Work full time until age 65, then retire from the workforce.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1576277412756-QL7X7G79Y5ZI1ESK9OYM/Typical+impression+of+the+FIRE+path+to+retirement</image:loc>
      <image:title>Financial independence/Early retirement - The paradox of FIRE - Why slowing down now may appeal</image:title>
      <image:caption>What you think FIRE looks like. Retire early and then never earn a single dollar from work again.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1576278249683-OIKU2SJVLVBDGQ7A34WH/What+the+typical+early+retiree+path+looks+like</image:loc>
      <image:title>Financial independence/Early retirement - The paradox of FIRE - Why slowing down now may appeal</image:title>
      <image:caption>What FIRE actually looks like. It is pretty rare that someone ambitious enough to retire early stops being challenged. As a result, earned income is only natural even after early retirement. Even if it less than you were on, you now have the flexibility to decide on your favourite work.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/1576277723669-4L3ZAKUIAL81UWLEXPSY/How+the+coast+FIRE+path+to+retirement+looks</image:loc>
      <image:title>Financial independence/Early retirement - The paradox of FIRE - Why slowing down now may appeal</image:title>
      <image:caption>What Coast FIRE looks like. Yes, exactly the same as what FIRE looks like, except you can pull the plug on full time or unenjoyable work much sooner. So, if you are going to be working in early retirement anyway, it makes sense to withdraw from full time work before reaching full financial independence to buy some time back.</image:caption>
    </image:image>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
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  <url>
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    <lastmod>2024-04-11</lastmod>
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  <url>
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    <lastmod>2023-10-07</lastmod>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
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  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/financial-independence/2022/3/13/how-many-marshmallows-do-you-need</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
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  <url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2024-04-11</lastmod>
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  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/housing-2</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
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  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/housing-2/2026/2/15/for-big-financial-decisions-social-media-experts-are-not-in-your-best-interests</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/80bc9eca-5e67-4676-8d27-8c6bac830418/A.png</image:loc>
      <image:title>Housing - For big financial decisions social media 'experts' are not in your best interests - Make it stand out</image:title>
      <image:caption>Net income from owning investment property over 30 years</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/3aaf8953-eff1-4408-82d5-b7b072c2ca0a/B.png</image:loc>
      <image:title>Housing - For big financial decisions social media 'experts' are not in your best interests - Make it stand out</image:title>
      <image:caption>Investment property value over 30 years</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/b68527d6-4e8c-4269-820d-519a87c88a8e/C.png</image:loc>
      <image:title>Housing - For big financial decisions social media 'experts' are not in your best interests - Make it stand out</image:title>
      <image:caption>Combined income and property value over 30 years</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/608a8c48-3390-4f85-8aa0-b31875aaa777/D.png</image:loc>
      <image:title>Housing - For big financial decisions social media 'experts' are not in your best interests - Make it stand out</image:title>
      <image:caption>Investment balance over 30 years if choose to invest outside of property instead</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/039d5394-219f-4bf6-b849-52d6fa17ac15/E.png</image:loc>
      <image:title>Housing - For big financial decisions social media 'experts' are not in your best interests - Make it stand out</image:title>
      <image:caption>Net worth difference between property investor and non property investor over 30 years</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/3b31dd5a-c82b-4315-ad30-7e8b006a9908/F.png</image:loc>
      <image:title>Housing - For big financial decisions social media 'experts' are not in your best interests - Make it stand out</image:title>
      <image:caption>The difference between the property investor and non property investor over an extended 40 year timeframe</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/c92d695c-2a39-4326-b922-6dd62697b26d/G.png</image:loc>
      <image:title>Housing - For big financial decisions social media 'experts' are not in your best interests - Make it stand out</image:title>
      <image:caption>The difference between the property and non property investor over 40 years with house price gains of 3.5% (rather than 3%)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/defe20fb-58e3-4469-b104-7dce9ec19ebe/H.png</image:loc>
      <image:title>Housing - For big financial decisions social media 'experts' are not in your best interests - Make it stand out</image:title>
      <image:caption>The difference between the property and non property investor over 40 years with house price gains of 4%</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/housing-2/2026/2/8/how-much-do-solar-panels-save-2-year-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/6c9a6348-3e99-43ac-ac74-4a852fd3855c/A.png</image:loc>
      <image:title>Housing - How much do solar panels save? 2 year update - Make it stand out</image:title>
      <image:caption>Solar power production per month (February 2025 to January 2026)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/a2bdc2cf-99e1-48fd-9ec7-5e9819d41762/B.png</image:loc>
      <image:title>Housing - How much do solar panels save? 2 year update - Make it stand out</image:title>
      <image:caption>Electricity use per month (February 2025 to January 2026)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/4d9e0a27-d0b0-4b40-8bb3-b3ff4c68233b/C.png</image:loc>
      <image:title>Housing - How much do solar panels save? 2 year update - Make it stand out</image:title>
      <image:caption>Power bill with solar panels (February 2025 to January 2026)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/bf7f8b4e-56ca-40b0-b163-0137432edaa3/D.png</image:loc>
      <image:title>Housing - How much do solar panels save? 2 year update - Make it stand out</image:title>
      <image:caption>Monthly savings ($) from solar panels (February 2025 to January 2026)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/6dd22c2f-b85b-4d75-a35e-ef8c13e7fada/E.png</image:loc>
      <image:title>Housing - How much do solar panels save? 2 year update - Make it stand out</image:title>
      <image:caption>Monthly savings (%) from solar panels (February 2025 to January 2026)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/housing-2/2026/1/21/best-mortgage-terms-and-historical-interest-rates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-21</lastmod>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/housing-2/2026/1/14/historical-housing-affordability-data</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-14</lastmod>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/housing-2/2025/9/28/squirrel-launchpad-home-loan-as-an-option-for-first-home-buyers-with-a-low-deposit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-14</lastmod>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/housing-2/2025/8/16/the-benefits-of-paying-off-the-mortgage-more-frequently-are-grossly-exaggerated</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-13</lastmod>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/housing-2/2025/8/12/are-houses-affordable-in-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/98ab39f0-e922-46a4-9a2e-c7142d0dc0b5/EE.png</image:loc>
      <image:title>Housing - Are houses affordable in 2025? - Make it stand out</image:title>
      <image:caption>Monthly mortgage repayments as a percentage of income</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/0db5f8fd-c109-431d-acff-380a235adff4/FF.png</image:loc>
      <image:title>Housing - Are houses affordable in 2025? - Make it stand out</image:title>
      <image:caption>House deposit required as a percentage of income</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/housing-2/2025/3/16/did-we-choose-the-right-mortgage-rate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-17</lastmod>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/housing-2/2025/2/23/you-own-shared-home-ownership-is-it-worth-it</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/394a191d-7400-463b-b572-86f1961b6623/A.png</image:loc>
      <image:title>Housing - You Own shared home ownership - Is it worth it? - Make it stand out</image:title>
      <image:caption>You Own shared home ownership equity position over 30 years</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/705556a7-134c-4fda-8a9b-6394ef6c5bbf/B.png</image:loc>
      <image:title>Housing - You Own shared home ownership - Is it worth it? - Make it stand out</image:title>
      <image:caption>House equity when buying with You Own vs buying by yourself</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/bdb079b7-dc4a-4a0a-8913-b81c53c49a11/C.png</image:loc>
      <image:title>Housing - You Own shared home ownership - Is it worth it? - Make it stand out</image:title>
      <image:caption>Money spent on 30 year mortgage with You Own vs buying yourself</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/4fcc3646-c876-406c-ae3d-6bc70e84d105/D.png</image:loc>
      <image:title>Housing - You Own shared home ownership - Is it worth it? - Make it stand out</image:title>
      <image:caption>Buy now shared home ownership relative to buying yourself over 30 years</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/7c25591e-419b-4593-a5d7-7c8088cbb17c/5%25+gains.jpg</image:loc>
      <image:title>Housing - You Own shared home ownership - Is it worth it? - Make it stand out</image:title>
      <image:caption>5% house price gains</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/fe56adcb-3343-4272-97d0-a9b33f8f4669/20+year+mortgage+term.jpg</image:loc>
      <image:title>Housing - You Own shared home ownership - Is it worth it? - Make it stand out</image:title>
      <image:caption>20 year mortgage term</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/d32f48f6-5116-46ce-8dd3-d06b6f0bf425/10%25+deposit.jpg</image:loc>
      <image:title>Housing - You Own shared home ownership - Is it worth it? - Make it stand out</image:title>
      <image:caption>10% deposit</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/9d0d7acb-ac8e-43f1-b6cd-ddaa2c240326/Buy+out+You+Own+in+year+5.jpg</image:loc>
      <image:title>Housing - You Own shared home ownership - Is it worth it? - Make it stand out</image:title>
      <image:caption>Buy out You Own in year 5</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/cb2e541e-3277-4d12-a4a8-e5851d575986/Buy+out+You+Own+in+year+13.jpg</image:loc>
      <image:title>Housing - You Own shared home ownership - Is it worth it? - Make it stand out</image:title>
      <image:caption>Buy out You Own in year 13</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/e3fdd3ec-ee4a-44c3-8a4c-889e12b5b2f9/No+buy+out.jpg</image:loc>
      <image:title>Housing - You Own shared home ownership - Is it worth it? - Make it stand out</image:title>
      <image:caption>No buy out of You Own’s share</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/housing-2/2025/2/11/how-much-do-solar-panels-save-1-year-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/bbd89d4d-174c-49ed-b642-0ec512c5103b/A.jpg</image:loc>
      <image:title>Housing - How much do solar panels save? 1 year update - Make it stand out</image:title>
      <image:caption>Solar power production per month (February 2024 to January 2025)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/60f3abe9-a7fb-44f1-89a7-755091f52238/B.png</image:loc>
      <image:title>Housing - How much do solar panels save? 1 year update - Make it stand out</image:title>
      <image:caption>Electricity use per month (February 2024 to January 2025)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/30e97f91-5b8e-4bb9-a4c3-6bc9934a3564/C.png</image:loc>
      <image:title>Housing - How much do solar panels save? 1 year update - Make it stand out</image:title>
      <image:caption>Power bill with solar panels (February 2024 to January 2025)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/b09bd958-6c41-482f-9221-1cf07df7bfc4/D.png</image:loc>
      <image:title>Housing - How much do solar panels save? 1 year update - Make it stand out</image:title>
      <image:caption>Monthly savings ($) from solar panels (February 2024 to January 2025)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/a34dad54-4edd-41c7-b634-5d1353b501af/E.png</image:loc>
      <image:title>Housing - How much do solar panels save? 1 year update - Make it stand out</image:title>
      <image:caption>Monthly savings (%) from solar panels (February 2024 to January 2025)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/housing-2/2025/1/19/debt-recycling-in-new-zealand</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/ae7e6a77-8736-4756-9a21-d837c8d0186c/E.png</image:loc>
      <image:title>Housing - Debt recycling in New Zealand - Make it stand out</image:title>
      <image:caption>Debt recycling VS no debt recycling with a 6% mortgage rate over 15 years</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/f6275aee-d949-4888-bca6-76fb65c8a3c2/F.png</image:loc>
      <image:title>Housing - Debt recycling in New Zealand - Make it stand out</image:title>
      <image:caption>Debt recycling VS no debt recycling with a 4% mortgage rate over 15 years</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/fee2f49a-6776-4a9b-a964-95cafe5a3459/G.png</image:loc>
      <image:title>Housing - Debt recycling in New Zealand - Make it stand out</image:title>
      <image:caption>Debt recycling VS no debt recycling with a 8% mortgage rate over 15 years</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/housing-2/2024/12/16/anchoring-to-2021-house-prices-may-be-a-mistake</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-03</lastmod>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/housing-2/2024/9/22/lb48c9q4pum9d6qsedfhvqylok73sk</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-22</lastmod>
  </url>
  <url>
    <loc>https://www.yourmoneyblueprint.co.nz/housing-2/2024/8/18/how-much-do-solar-panels-save-6-month-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/6afa9e13-11b1-4b90-8fba-289e7af2b831/A.png</image:loc>
      <image:title>Housing - How much do solar panels save? 6 month update - Make it stand out</image:title>
      <image:caption>Solar power production per month (Feb to July 2024)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/50da2b45-7462-4f1b-a450-8c54c0567fce/B.png</image:loc>
      <image:title>Housing - How much do solar panels save? 6 month update - Make it stand out</image:title>
      <image:caption>Electricity use per month (Feb to July 2024)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/4fea0085-ac6b-4b24-9f9e-9f4443789a02/C.png</image:loc>
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      <image:title>Housing - Should I rent or buy a house?</image:title>
      <image:caption>Advantages of renting or owning a house</image:caption>
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      <image:title>Housing - Should I rent or buy a house?</image:title>
      <image:caption>Disadvantages of renting or owning a house</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/114f9918-96ed-4469-ad71-9eae82551782/A.png</image:loc>
      <image:title>Housing - Should I rent or buy a house?</image:title>
      <image:caption>Asset comparison of buying a home vs renting</image:caption>
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      <image:title>Housing - Should I rent or buy a house? - Make it stand out</image:title>
      <image:caption>5% rental cost inflation</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/7c7183d3-6a35-4d65-bc71-33f5c7433fb3/A.png</image:loc>
      <image:title>Housing - Should I rent or buy a house? - Make it stand out</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ab856fa8f51301f2762a68b/6c15d796-efd8-4078-a493-983c654bd216/A.png</image:loc>
      <image:title>Housing - Should I rent or buy a house? - Make it stand out</image:title>
      <image:caption>6% investment returns</image:caption>
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      <image:caption>Monthly mortgage repayments as a percentage of income</image:caption>
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      <image:title>Housing - Are houses expensive in 2024? - Make it stand out</image:title>
      <image:caption>House deposit required as a percentage of income since 2001</image:caption>
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      <image:caption>Median cost of a house in New Zealand since 1992</image:caption>
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      <image:title>Housing - Are houses expensive in 2021?</image:title>
      <image:caption>Historical floating interest rates in New Zealand since 1992</image:caption>
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      <image:title>Housing - Are houses expensive in 2021? - Make it stand out</image:title>
      <image:caption>Monthly mortgage repayments</image:caption>
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      <image:title>Housing - Are houses expensive in 2021? - Make it stand out</image:title>
      <image:caption>Monthly mortgage repayments as a percentage of income</image:caption>
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      <image:title>Housing - Are houses expensive in 2021? - Make it stand out</image:title>
      <image:caption>House deposit required as a percentage of income</image:caption>
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      <image:title>Housing - Owning a house is not the NZ dream</image:title>
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