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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>The Knowledge Latest - The Market Is Being Gamed — And Your Portfolio Is the Loser. - 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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      <image:title>The Knowledge Latest - The Market Is Being Gamed — And Your Portfolio Is the Loser. - 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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      <image:title>The Knowledge Latest - Is your Solo 401(k) balance over $250k? — File Form 5500-EZ, or be fined up to $150,000. - Make it stand out</image:title>
      <image:caption>‍ ‍The dumpster fire you will cause if you don’t file this form</image:caption>
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      <image:title>The Knowledge Latest - Is your Solo 401(k) balance over $250k? — File Form 5500-EZ, or be fined up to $150,000. - 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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      <image:title>The Knowledge Latest - Is your Solo 401(k) balance over $250k? — File Form 5500-EZ, or be fined up to $150,000. - Make it stand out</image:title>
      <image:caption>Create a filing</image:caption>
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      <image:title>The Knowledge Latest - Is your Solo 401(k) balance over $250k? — File Form 5500-EZ, or be fined up to $150,000. - Make it stand out</image:title>
      <image:caption>I know, I know</image:caption>
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      <image:title>The Knowledge Latest - Is your Solo 401(k) balance over $250k? — File Form 5500-EZ, or be fined up to $150,000. - 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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      <image:title>The Knowledge Latest - Is your Solo 401(k) balance over $250k? — File Form 5500-EZ, or be fined up to $150,000. - 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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      <image:title>The Knowledge Latest - Is your Solo 401(k) balance over $250k? — File Form 5500-EZ, or be fined up to $150,000. - 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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      <image:title>The Knowledge Latest - Is your Solo 401(k) balance over $250k? — File Form 5500-EZ, or be fined up to $150,000. - 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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      <image:title>The Knowledge Latest - Is your Solo 401(k) balance over $250k? — File Form 5500-EZ, or be fined up to $150,000. - Make it stand out</image:title>
      <image:caption>The end!</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>The Knowledge Latest - Is your Solo 401(k) balance over $250k? — File Form 5500-EZ, or be fined up to $150,000. - Make it stand out</image:title>
      <image:caption>Do you really want the IRS eyeballing you over a form?</image:caption>
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      <image:title>The Knowledge Latest - Is your Solo 401(k) balance over $250k? — File Form 5500-EZ, or be fined up to $150,000. - 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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      <image:title>The Knowledge Latest - Is your Solo 401(k) balance over $250k? — File Form 5500-EZ, or be fined up to $150,000. - 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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    <loc>https://www.freelancerfinance.net/knowledgeable/taxed</loc>
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    <lastmod>2026-03-01</lastmod>
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      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - Make it stand out</image:title>
      <image:caption>Freelancers and Solopreneurs — Learn how to pay less tax, invest, and chill earlier in life.</image:caption>
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      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - 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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      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - 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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      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - 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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    <image:image>
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      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - 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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    <image:image>
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      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - 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>
    </image:image>
    <image:image>
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      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - 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>
    </image:image>
    <image:image>
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      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - 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>
    </image:image>
    <image:image>
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      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - Make it stand out</image:title>
      <image:caption>Before Solo 401(k) contribution</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/bd24ae6d-0638-49af-8a4c-a323fb6362a8/tax-layercake-195k-2026.jpg</image:loc>
      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - Make it stand out</image:title>
      <image:caption>After the $54,500 Solo 401(k) contribution</image:caption>
    </image:image>
    <image:image>
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      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/182cf7b3-8af4-4703-8ce0-5f848a27f78b/10px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/182cf7b3-8af4-4703-8ce0-5f848a27f78b/10px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/182cf7b3-8af4-4703-8ce0-5f848a27f78b/10px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - 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>
    </image:image>
    <image:image>
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      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - 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>
    </image:image>
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      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - 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>
    </image:image>
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      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - Make it stand out</image:title>
      <image:caption>Sorry, IRS. Less for you, more for us.</image:caption>
    </image:image>
    <image:image>
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      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - 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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      <image:title>The Knowledge Latest - 2026 Income Tax Rates — Understanding them to create wealth - 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>
    </image:image>
  </url>
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    <loc>https://www.freelancerfinance.net/knowledgeable/three-freelancer-investment-accounts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-07</lastmod>
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      <image:title>The Knowledge Latest - The Three Investment Accounts That Freelancers Should Have - Make it stand out</image:title>
      <image:caption>Freelancers realizing they can sock away $80,000 plus every year.</image:caption>
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      <image:title>The Knowledge Latest - The Three Investment Accounts That Freelancers Should Have - 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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      <image:title>The Knowledge Latest - The Three Investment Accounts That Freelancers Should Have - 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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      <image:title>The Knowledge Latest - The Three Investment Accounts That Freelancers Should Have - 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>
    </image:image>
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      <image:title>The Knowledge Latest - The Three Investment Accounts That Freelancers Should Have - 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>
    </image:image>
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      <image:title>The Knowledge Latest - The Three Investment Accounts That Freelancers Should Have - Make it stand out</image:title>
      <image:caption>No thanks, Mr Wall Street. We don’t need to pay your fees.</image:caption>
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      <image:title>The Knowledge Latest - The Three Investment Accounts That Freelancers Should Have - 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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      <image:title>The Knowledge Latest - The Three Investment Accounts That Freelancers Should Have - 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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      <image:title>The Knowledge Latest - The Three Investment Accounts That Freelancers Should Have - 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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      <image:title>The Knowledge Latest - The Three Investment Accounts That Freelancers Should Have - 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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    <priority>0.5</priority>
    <lastmod>2026-02-18</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>The Knowledge Latest - Freelancers, it’s time to rebalance Your Three-Fund ETF Portfolio - Make it stand out</image:title>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.freelancerfinance.net/knowledgeable/robinhoodcard</loc>
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    <priority>0.5</priority>
    <lastmod>2026-02-03</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.freelancerfinance.net/knowledgeable/futureyou</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-22</lastmod>
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      <image:caption>This is it. The day you started pounding away money for Future You.</image:caption>
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      <image:title>The Knowledge Latest - Freelance or Self-Employed in your 40s or 50s? Start Investing for Later, Now. - Make it stand out</image:title>
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      <image:title>The Knowledge Latest - Freelance or Self-Employed in your 40s or 50s? Start Investing for Later, Now. - Make it stand out</image:title>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>The Knowledge Latest - Freelance or Self-Employed in your 40s or 50s? Start Investing for Later, Now. - Make it stand out</image:title>
      <image:caption>Watch that sucker grow.</image:caption>
    </image:image>
    <image:image>
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      <image:title>The Knowledge Latest - Freelance or Self-Employed in your 40s or 50s? Start Investing for Later, Now. - 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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      <image:title>The Knowledge Latest - Freelance or Self-Employed in your 40s or 50s? Start Investing for Later, Now. - 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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      <image:title>The Knowledge Latest - Freelance or Self-Employed in your 40s or 50s? Start Investing for Later, Now. - 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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      <image:title>The Knowledge Latest - Freelance or Self-Employed in your 40s or 50s? Start Investing for Later, Now. - 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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  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/tax-bill-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-03</lastmod>
    <image:image>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>The Knowledge Latest - What’s in the 2025 Big Beautiful Bill for Freelancers and Self-Employed? - 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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  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/notdyingbroke</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-22</lastmod>
    <image:image>
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      <image:title>The Knowledge Latest - A Freelancer's Guide to Not Dying Broke — Why we suck at saving for retirement. - Make it stand out</image:title>
      <image:caption>Freelancers: Spread the word, talk about money with your crowd.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/b074ae11-a8cc-4dc8-948a-f206e31b5457/Compound+interest+calc+monthly.jpg</image:loc>
      <image:title>The Knowledge Latest - A Freelancer's Guide to Not Dying Broke — Why we suck at saving for retirement. - Make it stand out</image:title>
      <image:caption>7% average long-term growth rate from a Target Date Fund or Three-Fund Portfolio.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/emergency-fund</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/64d4f62a-0bd3-4ae8-b1a9-7ae5a6860443/Firefly+a+30+year+old+african+american+man+sitting+on+the+sofa+with+a+broken+leg+84916.jpg</image:loc>
      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - Make it stand out</image:title>
      <image:caption>The banged-up solopreneur/freelancer—time to access the emergency fund.</image:caption>
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      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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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      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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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      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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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    <image:image>
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      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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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      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/182cf7b3-8af4-4703-8ce0-5f848a27f78b/10px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/f01e34a6-847a-4ed4-b105-0df637575c85/Firefly+cash+stuffed+under+a+mattress+%2B+Grain.jpg</image:loc>
      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - Make it stand out</image:title>
      <image:caption>Eh, no, Grandpa. Not there.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/5707ceea-0b7a-44c6-ba0f-a0d352e80328/CapturFiles-Dec-13-2023_14.40.37.jpg</image:loc>
      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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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      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - Make it stand out</image:title>
      <image:caption>Screen grab in 2024</image:caption>
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      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/1727624933756-NWKHYX2T3IA1LQM220AB/CapturFiles-Nov-16-2023_23.14.36.jpg</image:loc>
      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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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      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/7d06f06f-1e97-4ae1-a5d2-65fac5da8aee/IMG_4916.jpg</image:loc>
      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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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      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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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      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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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      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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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      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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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      <image:title>The Knowledge Latest - Where to Put Your Emergency Fund: Best Options for Freelancers - 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>
    </image:image>
  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/rothira</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/e307038f-a7b0-4d57-b324-78f40a185ce7/DALL%C2%B7E+2025-02-25+09.49.03+-+A+highly+photo-realistic+image+of+a+professional+film+set+designed+to+look+like+a+dark+room.+The+words+%27Roth+IRA%27+are+projected+sharply+onto+a+wall+by.jpeg</image:loc>
      <image:title>The Knowledge Latest - The Roth and Backdoor Roth IRA — great for W-2 earners, 401(k) and Solo 401(k) holders. - Make it stand out</image:title>
      <image:caption>With simple set-and-forget investing, it’s easy to have around $1 million in retirement.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Roth and Backdoor Roth IRA — great for W-2 earners, 401(k) and Solo 401(k) holders. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/79656570-72ba-4607-85af-31b0e5934ad3/DALL%C2%B7E+2023-12-28+17.26.18+-+A+cartoon+illustrating+the+concept+of+compounding+interest.+The+scene+depicts+a+person+planting+a+small+money+tree+in+a+pot%2C+which+gradually+grows+int.png</image:loc>
      <image:title>The Knowledge Latest - The Roth and Backdoor Roth IRA — great for W-2 earners, 401(k) and Solo 401(k) holders. - Make it stand out</image:title>
      <image:caption>Compound interest, watch that sucker grow!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Roth and Backdoor Roth IRA — great for W-2 earners, 401(k) and Solo 401(k) holders. - 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>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/f0070976-f6a7-4183-9b78-5e3f08c843f9/Side+by+side+icons.jpg</image:loc>
      <image:title>The Knowledge Latest - The Roth and Backdoor Roth IRA — great for W-2 earners, 401(k) and Solo 401(k) holders. - 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>
    </image:image>
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      <image:title>The Knowledge Latest - The Roth and Backdoor Roth IRA — great for W-2 earners, 401(k) and Solo 401(k) holders. - 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>
    </image:image>
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      <image:title>The Knowledge Latest - The Roth and Backdoor Roth IRA — great for W-2 earners, 401(k) and Solo 401(k) holders. - 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>
    </image:image>
    <image:image>
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      <image:title>The Knowledge Latest - The Roth and Backdoor Roth IRA — great for W-2 earners, 401(k) and Solo 401(k) holders. - Make it stand out</image:title>
      <image:caption>Market crashes 2000-2024. Keep Calm and keep investing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Roth and Backdoor Roth IRA — great for W-2 earners, 401(k) and Solo 401(k) holders. - 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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      <image:title>The Knowledge Latest - The Roth and Backdoor Roth IRA — great for W-2 earners, 401(k) and Solo 401(k) holders. - 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>
    </image:image>
  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/taxed-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/4e05a42d-92a7-4282-bd65-d44276d8e8cc/2025+Tax+Rates+Image+for+IG.png</image:loc>
      <image:title>The Knowledge Latest - 2025 and Your Tax Rate — it’s not one rate - Make it stand out</image:title>
      <image:caption>Freelancers! We’re going to shred those rates with our i401k.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/182cf7b3-8af4-4703-8ce0-5f848a27f78b/10px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2025 and Your Tax Rate — it’s not one rate - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2025 and Your Tax Rate — it’s not one rate - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/9d613278-1557-480b-9c9f-21bd6516935b/2025+Tax+Brackets+and+Federal+Income+Tax+Rates++Tax+Foundation.jpg</image:loc>
      <image:title>The Knowledge Latest - 2025 and Your Tax Rate — it’s not one rate - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2025 and Your Tax Rate — it’s not one rate - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/98f00053-9254-4ef8-b84e-dfc90326a86d/federal+tax+rate+charts+2025+-+Lacy.jpg</image:loc>
      <image:title>The Knowledge Latest - 2025 and Your Tax Rate — it’s not one rate - Make it stand out</image:title>
      <image:caption>Table by ‘freak in the sheets’ Lacy Kilraine. By that I mean spreadsheets, as in Excel.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/ffd24823-d9e0-4a40-8731-a1219bd2c981/Tax+Rates+Chalk+Board.jpg</image:loc>
      <image:title>The Knowledge Latest - 2025 and Your Tax Rate — it’s not one rate - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2025 and Your Tax Rate — it’s not one rate - 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>
    </image:image>
  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/2024-and-the-vibecession</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/1737686982707-6QMYQFDJGUUTSNURO3VB/Firefly+A+rocket+launching+off+the+launchpad+with+2024+on+the+side+of+the+rocket.+Put+a+stock+market+%283%29.jpg</image:loc>
      <image:title>The Knowledge Latest - 2024 — How did our Solo 401k do and the ‘vibecession’. - Make it stand out</image:title>
      <image:caption>U.S. stocks headed for the moon again, while international didn’t get off the launch pad.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/95d6b0e2-7da6-4977-8b8d-f69d52871809/SCHB+2024.jpg</image:loc>
      <image:title>The Knowledge Latest - 2024 — How did our Solo 401k do and the ‘vibecession’. - Make it stand out</image:title>
      <image:caption>A nearly 24% increase. It doesn’t get much better.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2024 — How did our Solo 401k do and the ‘vibecession’. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2024 — How did our Solo 401k do and the ‘vibecession’. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/1492acc1-693d-4527-a3b1-06c14adeba21/SCHF+2024.jpg</image:loc>
      <image:title>The Knowledge Latest - 2024 — How did our Solo 401k do and the ‘vibecession’. - Make it stand out</image:title>
      <image:caption>Eh, no. A 0.43% return for the year. Boo, boo!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2024 — How did our Solo 401k do and the ‘vibecession’. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2024 — How did our Solo 401k do and the ‘vibecession’. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2b6f28e7-5bd7-4974-bf1b-bd60e1b04ba2/SCHB+vs+SCHF.jpg</image:loc>
      <image:title>The Knowledge Latest - 2024 — How did our Solo 401k do and the ‘vibecession’. - Make it stand out</image:title>
      <image:caption>U.S. (SCHB) vs International (SCHF). The U.S. broad market clobbered international over the past 10 years</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/8b56ad08-5269-4ae4-b878-9fbda60f232a/CapturFiles-Jun-29-2024_18.39.18.jpg</image:loc>
      <image:title>The Knowledge Latest - 2024 — How did our Solo 401k do and the ‘vibecession’. - Make it stand out</image:title>
      <image:caption>Look along the top row for the winner of that year. MSCI EAFE (such a catchy name) is international vs the U.S. S&amp;P 500 index.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2024 — How did our Solo 401k do and the ‘vibecession’. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/4e7c4d27-046e-481d-b6b2-714925d35cba/SCHZ+2024.jpg</image:loc>
      <image:title>The Knowledge Latest - 2024 — How did our Solo 401k do and the ‘vibecession’. - Make it stand out</image:title>
      <image:caption>Bonds bounced up and down a few percent in 2024</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2024 — How did our Solo 401k do and the ‘vibecession’. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2024 — How did our Solo 401k do and the ‘vibecession’. - 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>
    </image:image>
  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/chilltirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/d151f59c-8361-4adc-ae89-42bd868b8e6d/Firefly+Person+around+50+years+old+on+a+beach+buying+stocks+on+a+laptop+2216.jpg</image:loc>
      <image:title>The Knowledge Latest - Freelance or Self-Employed? Stop Working Full-Time Earlier: How Much Do You Need? - Make it stand out</image:title>
      <image:caption>Chill-tirement. Work less, later.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Freelance or Self-Employed? Stop Working Full-Time Earlier: How Much Do You Need? - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Freelance or Self-Employed? Stop Working Full-Time Earlier: How Much Do You Need? - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Freelance or Self-Employed? Stop Working Full-Time Earlier: How Much Do You Need? - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Freelance or Self-Employed? Stop Working Full-Time Earlier: How Much Do You Need? - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/f64bf200-6408-4129-a82e-ccb6c44d3916/Swingline-Red-Stapler-Used-by-Stephen-Root-in-Office-Space-1.jpg</image:loc>
      <image:title>The Knowledge Latest - Freelance or Self-Employed? Stop Working Full-Time Earlier: How Much Do You Need? - Make it stand out</image:title>
      <image:caption>For real?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/88181f1e-b36b-4041-8a11-d447b436c264/Screenshot+2024-12-30+at+8.47.14%E2%80%AFPM+4.png</image:loc>
      <image:title>The Knowledge Latest - Freelance or Self-Employed? Stop Working Full-Time Earlier: How Much Do You Need? - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Freelance or Self-Employed? Stop Working Full-Time Earlier: How Much Do You Need? - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/430258dd-b774-41bc-be21-8bb1868b075e/1118full-office-space-%281999%29-screenshot.jpg</image:loc>
      <image:title>The Knowledge Latest - Freelance or Self-Employed? Stop Working Full-Time Earlier: How Much Do You Need? - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Freelance or Self-Employed? Stop Working Full-Time Earlier: How Much Do You Need? - 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>
    </image:image>
  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/the-three-fund-portfolio</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/1718563419891-5RHHAXUOZR3O7MLCZXGK/GettyImages-470347006.jpg</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/79656570-72ba-4607-85af-31b0e5934ad3/DALL%C2%B7E+2023-12-28+17.26.18+-+A+cartoon+illustrating+the+concept+of+compounding+interest.+The+scene+depicts+a+person+planting+a+small+money+tree+in+a+pot%2C+which+gradually+grows+int.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/30410633-0723-4de5-817c-d3c7a7eb962f/VTI+2001-2024+drop+with+arrows.jpg</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - Make it stand out</image:title>
      <image:caption>The up and down of the market.  The arrows are the 2008-08 and Covid crashes.  Long-therm they were a blip.  Hold Fast.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/ed0801e8-ff85-4065-9ea4-3f1e20ecde61/DALL%C2%B7E+2024-07-20+19.58.38+-+A+clear+box+with+three-dimensional+logos+randomly+placed+inside.+The+box+should+be+transparent%2C+showcasing+the+3D+company+logos+like+Apple%2C+Microsoft%2C.jpeg</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - Make it stand out</image:title>
      <image:caption>Think of an ETF (Exchange Traded Fund) as a container holding a boatload of stock market-listed companies.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/793c0232-e721-4e8b-a397-61d3bbd3e563/CapturFiles_31.jpg</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - Make it stand out</image:title>
      <image:caption>In 2025, this is Target Date 2050’s mix of U.S., International and Bonds.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/5919c8f8-fa7a-4afb-bc80-01b7fb9e90c0/Firefly+African+American+woman+buying+stocks+on+a+laptop+in+a+cafe+69217.jpg</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - Make it stand out</image:title>
      <image:caption>Spend 20 minutes a quarter buying our three ETFs or a Target Date Fund. It’s that easy.  $1 million+ is waiting for you.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/0594a5a3-975a-45c6-8ea4-5b181b0ec401/Firefly+aggressive+male+trader+standing+on+the+New+York+stock+market+trading+floor.+Age+around+50+ye.jpg</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - Make it stand out</image:title>
      <image:caption>Mr. Wall Street.  No thanks, brah, we don't need to pay your fees.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/4c3f2064-879c-49ec-a337-97390b0e703c/SCHB+in+2023.jpg</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - Make it stand out</image:title>
      <image:caption>Dollar-cost averaging:  SCHB in 2023. Buying every quarter gets an average price for the year.  We hit the dips and peaks of the market.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/0c0430af-a3da-42a6-8d91-4b5dfa570978/Firefly+Two+hands+with+hold+fast+B%2BW+%2B+Grain.jpg</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - Make it stand out</image:title>
      <image:caption>Don't sell, keep buying.  Ignore the herd running for the exit when the market drops. Stay invested and keep buying at the lower prices.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/594596bc-db51-4811-b92c-1b537c07ba90/CapturFiles-Jun-16-2024_19.22.36.jpg</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Three-Fund Portfolio — Freelancers, it’s all we ever need in the stock market. - 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>
    </image:image>
  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/all-the-accounts</loc>
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    <lastmod>2026-02-22</lastmod>
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      <image:title>The Knowledge Latest - The List: Tax-advantaged accounts for freelancers — tax saving, wealth multipliers. - Make it stand out</image:title>
      <image:caption>Jaime Curtis as the IRS agent in, ‘Everything Everywhere All at Once’.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The List: Tax-advantaged accounts for freelancers — tax saving, wealth multipliers. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/f923d863-935f-4114-86d4-16c70cb9876b/CapturFiles-Jun-08-2024_12.53.58.jpg</image:loc>
      <image:title>The Knowledge Latest - The List: Tax-advantaged accounts for freelancers — tax saving, wealth multipliers. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The List: Tax-advantaged accounts for freelancers — tax saving, wealth multipliers. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The List: Tax-advantaged accounts for freelancers — tax saving, wealth multipliers. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The List: Tax-advantaged accounts for freelancers — tax saving, wealth multipliers. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/9248c34b-516e-4b6f-acdf-036d5b75a889/Firefly+A+cartoon+version+of+an+accountant+at+his+desk.+Person%27s+age+is+65+years+old.+The+desk+has+a.jpg</image:loc>
      <image:title>The Knowledge Latest - The List: Tax-advantaged accounts for freelancers — tax saving, wealth multipliers. - Make it stand out</image:title>
      <image:caption>The Disney version of your accountant.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/3cfcf026-8dae-4412-ab3d-daab9d2351ee/100px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The List: Tax-advantaged accounts for freelancers — tax saving, wealth multipliers. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/3cfcf026-8dae-4412-ab3d-daab9d2351ee/100px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The List: Tax-advantaged accounts for freelancers — tax saving, wealth multipliers. - 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>
    </image:image>
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      <image:title>The Knowledge Latest - The List: Tax-advantaged accounts for freelancers — tax saving, wealth multipliers. - 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>
    </image:image>
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      <image:title>The Knowledge Latest - The List: Tax-advantaged accounts for freelancers — tax saving, wealth multipliers. - 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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    <loc>https://www.freelancerfinance.net/knowledgeable/the-stock-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/1707164511322-TO3I2YYK9KV4ANJGNERV/image-asset.jpeg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background.</image:title>
      <image:caption>Big, bad, Wall Street. Not really.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/8a5a67c4-43b3-46fa-af0d-235e74544e60/Jim+Cramer.jpg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - Make it stand out</image:title>
      <image:caption>Ignore all of these guys. They don’t make money by telling you how simple investing is long-term.  Yeah Jim, the S&amp;P 500 dropped 1.70% today.  Who cares?  It won't matter over your 20-30 year investment life.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/c51eb4da-26c3-4378-b4e9-b5509edac025/What-is-Dollar-Cost-Averaging_3x2.jpeg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - Make it stand out</image:title>
      <image:caption>Dollar-cost averaging. Image: Charles Schwab</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/0594a5a3-975a-45c6-8ea4-5b181b0ec401/Firefly+aggressive+male+trader+standing+on+the+New+York+stock+market+trading+floor.+Age+around+50+ye.jpg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/b9ffdf56-6329-44a5-8ec1-df71b2dcff83/Firefly+A+woman+in+her+40%27s+in+a+study+looking+at+a+laptop.+There+is+also+a+newspaper+on+the+desk+an+%281%29.jpg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/b7382385-b0d8-481a-be23-4eaff0ed2407/Firefly+Person+at+a+laptop+in+an+office+with+stock+tickers+in+the+air+behind+them+26429.jpg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - Make it stand out</image:title>
      <image:caption>$1.49 million, and all they did was buy three ETFs until chill-retirement. I’m in!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/591d1482-7c16-47a3-961d-f31516d71413/Firefly+stock+market+crash+45658.jpg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/9d36b7a5-3aad-4306-8058-da3acc7da3c1/2008-09+Crash+percentage+II.jpg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/01bc5551-c91e-4bc4-ae5a-b8f1ea4e717d/Covid+Crash+percentage.jpg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/30410633-0723-4de5-817c-d3c7a7eb962f/VTI+2001-2024+drop+with+arrows.jpg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/1707163787050-QQKCYVA7MEC1CNJ0AZ4A/GettyImages-1071160298.jpg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - Make it stand out</image:title>
      <image:caption>Photo: Drew Angerer - Getty The statue ‘Fearless Girl’ on Wall Street. That’s us, Wall Street, we’re not scared.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/cfcd7ab9-6a57-4618-aed7-538a78b0763d/Firefly+a+person+30+years+face+down+on+a+laptop+keyboard+crying+with+stock+tickers+in+the+air+behind-4.jpg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/24d4948a-0040-4282-91ca-6dbe656b5e97/Firefly+a+person+30+years+pulling+their+hair+crying+at+a+laptop+with+stock+tickers+in+the+air+behind-2.jpg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/dc18e9bd-3a31-41fa-b51b-bcafb4cff159/Firefly+a+latino+person+30+years+with+their+hands+covering+their+face+at+a+laptop+with+stock+tickers-2.jpg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/5c030f5e-e112-43f7-9ee9-f3500b511205/Firefly+gold+bars%2C+cash%2C+and+crypto+on+a+desk+96761.jpg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - Make it stand out</image:title>
      <image:caption>They’re alternatives to the stock market, according to one of your co-workers. But are they? Really?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/0c0430af-a3da-42a6-8d91-4b5dfa570978/Firefly+Two+hands+with+hold+fast+B%2BW+%2B+Grain.jpg</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - Make it stand out</image:title>
      <image:caption>Stay in the market. Invest in a Three-Fund Portfolio long-term, and keep calm.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The Stock Market. Big and Scary? Nope - It Creates Wealth In The Background. - 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>
    </image:image>
  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/fincen-jail-is-bad</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/c643f45b-da05-494a-bc28-750dde9f005a/DALL%C2%B7E+2024-05-15+10.08.12+-+A+group+of+men+dressed+in+black+suits%2C+wearing+sunglasses%2C+standing+together+in+a+serious+and+professional+pose.+Above+them%2C+the+word+%27FinCEN%27+is+prom.jpg</image:loc>
      <image:title>The Knowledge Latest - FinCEN - Beneficial Ownership Information Report—Cancelled! - Make it stand out</image:title>
      <image:caption>The men in black from the Department of the Treasury — They want to get real familiar with us freelancers.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/3cfcf026-8dae-4412-ab3d-daab9d2351ee/100px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - FinCEN - Beneficial Ownership Information Report—Cancelled! - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - FinCEN - Beneficial Ownership Information Report—Cancelled! - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - FinCEN - Beneficial Ownership Information Report—Cancelled! - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - FinCEN - Beneficial Ownership Information Report—Cancelled! - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/78957627-0ec8-4f13-9496-6f3b5dd1b1c5/CapturFiles-May-15-2024_10.38.33.jpg</image:loc>
      <image:title>The Knowledge Latest - FinCEN - Beneficial Ownership Information Report—Cancelled! - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - FinCEN - Beneficial Ownership Information Report—Cancelled! - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - FinCEN - Beneficial Ownership Information Report—Cancelled! - 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>
    </image:image>
  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/5500-ez</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/39daa0a6-755c-4e2a-bb3a-00cbdb49d362/DALL%C2%B7E+2024-05-05+18.10.57+-+A+spooky+haunted+house+with+a+large+sign+Text+cleaned+up.jpg</image:loc>
      <image:title>The Knowledge Latest - Solo 401(k) investors — IRS Form 5500-EZ could cost you a $150,000 fine. EVERY YEAR. - Make it stand out</image:title>
      <image:caption>Solo 401k investors — It’s a horror show. A potential $150,000 fine per year for not filing an admin form.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Solo 401(k) investors — IRS Form 5500-EZ could cost you a $150,000 fine. EVERY YEAR. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Solo 401(k) investors — IRS Form 5500-EZ could cost you a $150,000 fine. EVERY YEAR. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/f557631a-9bf0-4c4c-a387-67a23c94284f/Everything-Everywhere-All-at-Once.jpg</image:loc>
      <image:title>The Knowledge Latest - Solo 401(k) investors — IRS Form 5500-EZ could cost you a $150,000 fine. EVERY YEAR. - Make it stand out</image:title>
      <image:caption>Jaime Lee Curtis is the IRS agent for Everything, Everywhere At Once - Yes, she’s eyeballing you.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Solo 401(k) investors — IRS Form 5500-EZ could cost you a $150,000 fine. EVERY YEAR. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Solo 401(k) investors — IRS Form 5500-EZ could cost you a $150,000 fine. EVERY YEAR. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Solo 401(k) investors — IRS Form 5500-EZ could cost you a $150,000 fine. EVERY YEAR. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Solo 401(k) investors — IRS Form 5500-EZ could cost you a $150,000 fine. EVERY YEAR. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Solo 401(k) investors — IRS Form 5500-EZ could cost you a $150,000 fine. EVERY YEAR. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Solo 401(k) investors — IRS Form 5500-EZ could cost you a $150,000 fine. EVERY YEAR. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Solo 401(k) investors — IRS Form 5500-EZ could cost you a $150,000 fine. EVERY YEAR. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Solo 401(k) investors — IRS Form 5500-EZ could cost you a $150,000 fine. EVERY YEAR. - 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>
    </image:image>
  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/vanguard-exits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/8d2c3062-2b3f-4f16-8b1c-3e51aa9e8446/DALL%C2%B7E+2024-04-28+11.12.53+-+A+sad-looking+piggy+bank.+It+is+a+traditional+pink+piggy+bank+with+a+frowning+expression.+The+piggy+bank+is+placed+on+a+wooden+table%2C+and+it+has+no+co.jpeg</image:loc>
      <image:title>The Knowledge Latest - Vanguard exits managing Solo 401(k) accounts - but we still love their ETFs and funds - Make it stand out</image:title>
      <image:caption>Why did you leave us, Vanguard?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/336e012f-b753-4843-abc6-d71e9e3731b5/859264871_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Vanguard exits managing Solo 401(k) accounts - but we still love their ETFs and funds - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/336e012f-b753-4843-abc6-d71e9e3731b5/859264871_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Vanguard exits managing Solo 401(k) accounts - but we still love their ETFs and funds - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/bafdadba-edd2-4bbd-98b4-46ba06a4ddbc/Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Vanguard exits managing Solo 401(k) accounts - but we still love their ETFs and funds - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/bafdadba-edd2-4bbd-98b4-46ba06a4ddbc/Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Vanguard exits managing Solo 401(k) accounts - but we still love their ETFs and funds - 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>
    </image:image>
  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/hsa</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/21c57370-b79a-4615-8077-e9c7ef1c9e9c/Firefly+piggy+bank+with+a+stethoscope+and+money+in+the+foreground.+A+white+background+78111.jpg</image:loc>
      <image:title>The Knowledge Latest - The HSA - Health Savings Account.                     Another sweet tax deduction - Make it stand out</image:title>
      <image:caption>You know we’re all about getting every tax deduction we can here at Freelancer Finance. Sorry, IRS. Less for you, more for us.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The HSA - Health Savings Account.                     Another sweet tax deduction - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The HSA - Health Savings Account.                     Another sweet tax deduction - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The HSA - Health Savings Account.                     Another sweet tax deduction - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/a106d916-a5b2-4990-94d8-5082ce7335e2/HSA+Balance+-+blurred.jpg</image:loc>
      <image:title>The Knowledge Latest - The HSA - Health Savings Account.                     Another sweet tax deduction - Make it stand out</image:title>
      <image:caption>The Fidelity HSA dashboard</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/f9f9e561-c20d-4129-b55c-9ffa3b51a006/HSA+Transfer+-+blurred.jpg</image:loc>
      <image:title>The Knowledge Latest - The HSA - Health Savings Account.                     Another sweet tax deduction - Make it stand out</image:title>
      <image:caption>Transferring money out of the HSA.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The HSA - Health Savings Account.                     Another sweet tax deduction - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The HSA - Health Savings Account.                     Another sweet tax deduction - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The HSA - Health Savings Account.                     Another sweet tax deduction - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/f557631a-9bf0-4c4c-a387-67a23c94284f/Everything-Everywhere-All-at-Once.jpg</image:loc>
      <image:title>The Knowledge Latest - The HSA - Health Savings Account.                     Another sweet tax deduction - Make it stand out</image:title>
      <image:caption>The IRS eyeballing you for using your HSA to buy that TV (Pic of the amazing Jaime Lee Curtis playing an IRS agent in Everything Everywhere All at Once)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The HSA - Health Savings Account.                     Another sweet tax deduction - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The HSA - Health Savings Account.                     Another sweet tax deduction - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/6715d38e-afd9-41c8-bca2-958b42e45fb0/HSA+savings+compound+calc.jpg</image:loc>
      <image:title>The Knowledge Latest - The HSA - Health Savings Account.                     Another sweet tax deduction - Make it stand out</image:title>
      <image:caption>My fave compound interest calc is here if you want to play with the numbers.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The HSA - Health Savings Account.                     Another sweet tax deduction - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - The HSA - Health Savings Account.                     Another sweet tax deduction - 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>
    </image:image>
  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/no-one-can-predict</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/1705516654190-54BRUPZ19E9XIFXDX3DV/GettyImages-1421366156.jpg</image:loc>
      <image:title>The Knowledge Latest - 2023 —&amp;nbsp;Another example that no one can predict the market. We invest every quarter, no matter what. - Make it stand out</image:title>
      <image:caption>The mystic stock market hand of wisdom?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/bafdadba-edd2-4bbd-98b4-46ba06a4ddbc/Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2023 —&amp;nbsp;Another example that no one can predict the market. We invest every quarter, no matter what. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/bafdadba-edd2-4bbd-98b4-46ba06a4ddbc/Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2023 —&amp;nbsp;Another example that no one can predict the market. We invest every quarter, no matter what. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/bafdadba-edd2-4bbd-98b4-46ba06a4ddbc/Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2023 —&amp;nbsp;Another example that no one can predict the market. We invest every quarter, no matter what. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/bafdadba-edd2-4bbd-98b4-46ba06a4ddbc/Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2023 —&amp;nbsp;Another example that no one can predict the market. We invest every quarter, no matter what. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/bafdadba-edd2-4bbd-98b4-46ba06a4ddbc/Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2023 —&amp;nbsp;Another example that no one can predict the market. We invest every quarter, no matter what. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/4c3f2064-879c-49ec-a337-97390b0e703c/SCHB+in+2023.jpg</image:loc>
      <image:title>The Knowledge Latest - 2023 —&amp;nbsp;Another example that no one can predict the market. We invest every quarter, no matter what. - Make it stand out</image:title>
      <image:caption>The red arrows were our buy dates at the start of every quarter. We buy four times a year in the Solo 401(k) Three-Fund Portfolio</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/3cfcf026-8dae-4412-ab3d-daab9d2351ee/100px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2023 —&amp;nbsp;Another example that no one can predict the market. We invest every quarter, no matter what. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/3cfcf026-8dae-4412-ab3d-daab9d2351ee/100px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2023 —&amp;nbsp;Another example that no one can predict the market. We invest every quarter, no matter what. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/3cfcf026-8dae-4412-ab3d-daab9d2351ee/100px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2023 —&amp;nbsp;Another example that no one can predict the market. We invest every quarter, no matter what. - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/e1e82ba6-b085-429e-9a45-255088d3f488/Vanguard+VTSAX+Since+2002.jpg</image:loc>
      <image:title>The Knowledge Latest - 2023 —&amp;nbsp;Another example that no one can predict the market. We invest every quarter, no matter what. - Make it stand out</image:title>
      <image:caption>Vanguard VTSAX Total US Stock Market. Long term from 2002-2022, look at it go.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/3cfcf026-8dae-4412-ab3d-daab9d2351ee/100px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - 2023 —&amp;nbsp;Another example that no one can predict the market. We invest every quarter, no matter what. - 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>
    </image:image>
  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/empower-dashboard</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/77b8ef45-89e7-418f-96ec-d49a04db2090/Dashboard-image2-3873929867.jpg</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/093ced0b-be8b-455c-98dc-6b4d4a94642a/CapturFiles-Nov-24-2023_11.46.38.jpg</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all</image:title>
      <image:caption>Net Worth The Dashboard combines everything to give you your net worth. This figure is the key to everything, it’s the one to watch. Your net worth is the value of everything you own, stocks, real estate etc minus any debts you have like mortgages, student loans or credit card debt (never carry over a credit card debit, it’s THE worst).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/47ec770d-59bb-4838-b6b6-34cff8dae24b/Empower+cash+AC+no+deleted.jpg</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/a4a93b69-691f-4d0a-8836-5cdf638ce9e9/CapturFiles-Nov-19-2023_19.36.51.jpg</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all</image:title>
      <image:caption>Investment profile and analysis If you have multiple accounts, an i401k, individual account, maybe a 401k with a former employer the dashboard combines all the accounts to show all your holdings, sectors you’re invested in and performance combined, this is really handy.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/b9d5c20c-3f1f-4e1b-8bc4-f776ef63223d/Personal-Capital-Asset-Allocation-Graph.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/e354e4d2-42ec-4313-a04f-56c99016cfb8/CapturFiles-Dec-03-2023_07.46.43.jpg</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/dd27abf3-88f3-4623-ba2d-e4c900b6a0dc/CapturFiles-Dec-01-2023_13.12.25.jpg</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/729ee12a-91b1-4d7b-868a-33f72eb93598/CapturFiles-Dec-01-2023_13.12.53.jpg</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/5ade8d34-885b-4e28-be02-caeba349bf1c/89ee5ff92abb3b0c0ced8f228e7be3ee.png</image:loc>
      <image:title>The Knowledge Latest - Empower Financial Dashboard — one to rule them all - 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>
    </image:image>
  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/the-big-bucks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/04048465-9b7b-4398-b13e-ae730353a14b/Firefly+crazy+day+trader+sitting+at+a+computer+56056.jpg</image:loc>
      <image:title>The Knowledge Latest - Why can’t I just pick my own stocks and make the big bucks? - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/3e9e8815-2175-42dd-903b-d5abfb0b5bbf/Firefly+crazy+day+trader+sitting+at+a+computer+30090.jpg</image:loc>
      <image:title>The Knowledge Latest - Why can’t I just pick my own stocks and make the big bucks? - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/cef3214d-2a10-4bf9-9e19-743985ef628a/Firefly+crazy+day+trader+sitting+at+a+computer+27495.jpg</image:loc>
      <image:title>The Knowledge Latest - Why can’t I just pick my own stocks and make the big bucks? - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/2dd1f000-773c-4a03-9acc-54117a2044ea/30px+Small_TwinBeast_emptyspace.png.fda6d946c7e27b87ee82092cf2485000.png</image:loc>
      <image:title>The Knowledge Latest - Why can’t I just pick my own stocks and make the big bucks? - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/80deed8d-9017-48cf-87a1-0a3bc539e454/Dow+Jones+SPIVA+Graphic.jpg</image:loc>
      <image:title>The Knowledge Latest - Why can’t I just pick my own stocks and make the big bucks? - Make it stand out</image:title>
      <image:caption>Graphic from SP Global</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/0594a5a3-975a-45c6-8ea4-5b181b0ec401/Firefly+aggressive+male+trader+standing+on+the+New+York+stock+market+trading+floor.+Age+around+50+ye.jpg</image:loc>
      <image:title>The Knowledge Latest - Why can’t I just pick my own stocks and make the big bucks? - 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>
    </image:image>
  </url>
  <url>
    <loc>https://www.freelancerfinance.net/knowledgeable/investor-psychology</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/d4854ffb-aafa-4e52-b6b6-c0206cb94e13/Firefly+A+25+year+old+latino+woman+cheering+at+a+laptop+with+the+stock+market+behind+29136.jpg</image:loc>
      <image:title>The Knowledge Latest - Investor Psychology — ignore your brain - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6485e68b66549020ed19514d/0e59d6f5-b152-421f-b9cf-fc17ee766989/Firefly+A+30+year+old+woman+looking+in+disbelief+at+a+laptop+with+the+stock+market+behind+her+42900.jpg</image:loc>
      <image:title>The Knowledge Latest - Investor Psychology — ignore your brain - 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>
    </image:image>
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