<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Free tools. These are the acquisition surface and the highest-priority
       pages on the site. Each tool has exactly one URL: the /products/:key
       sales pages were retired and now 301 here, so listing both would have
       asked a search engine to choose between two pages for one query. -->
  <url><loc>https://moneyjournal.ca/tools/parental-leave-income-map</loc><priority>1.0</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://moneyjournal.ca/tools/debt-decision-planner</loc><priority>1.0</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://moneyjournal.ca/tools/independent-income-system</loc><priority>1.0</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://moneyjournal.ca/money-flow</loc><priority>0.9</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://moneyjournal.ca/maple-money-flow</loc><priority>0.9</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://moneyjournal.ca/</loc><priority>0.9</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://moneyjournal.ca/tools</loc><priority>0.8</priority><changefreq>monthly</changefreq></url>

  <!-- Reference facts. Each states one sourced, dated figure. These are the
       pages an answer engine can cite, which a calculator cannot be: an AI
       answer replaces the calculator but has to attribute the number. -->
  <url><loc>https://moneyjournal.ca/reference</loc><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://moneyjournal.ca/reference/ei-parental-benefit-rates</loc><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://moneyjournal.ca/reference/cra-instalment-due-dates</loc><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://moneyjournal.ca/reference/official-debt-help-canada</loc><priority>0.8</priority><changefreq>monthly</changefreq></url>

  <!-- Guides carry the how-to content. -->
  <url><loc>https://moneyjournal.ca/guides</loc><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://moneyjournal.ca/guides/parental-leave</loc><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://moneyjournal.ca/guides/debt-payoff</loc><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://moneyjournal.ca/guides/self-employed-income</loc><priority>0.8</priority><changefreq>monthly</changefreq></url>

  <!-- The workbook offer is a section on each tool page, not a page of its own,
       so it needs no entry here. -->

  <!-- Trust and policy surfaces. /support/recover is deliberately absent: it is
       a utility page for existing buyers, not something to index. -->
  <url><loc>https://moneyjournal.ca/methodology</loc><priority>0.5</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://moneyjournal.ca/corrections</loc><priority>0.5</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://moneyjournal.ca/support</loc><priority>0.4</priority><changefreq>yearly</changefreq></url>
  <url><loc>https://moneyjournal.ca/privacy</loc><priority>0.3</priority><changefreq>yearly</changefreq></url>
  <url><loc>https://moneyjournal.ca/terms</loc><priority>0.3</priority><changefreq>yearly</changefreq></url>
  <url><loc>https://moneyjournal.ca/refunds</loc><priority>0.3</priority><changefreq>yearly</changefreq></url>
  <url><loc>https://moneyjournal.ca/accessibility</loc><priority>0.3</priority><changefreq>yearly</changefreq></url>
</urlset>
