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  <!-- ── Core ──────────────────────────────────────────────── -->
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    <loc>https://lazeefish.com/</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://lazeefish.com/features</loc>
    <lastmod>2026-05-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://lazeefish.com/signup</loc>
    <lastmod>2026-05-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
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  <url>
    <loc>https://lazeefish.com/signin</loc>
    <lastmod>2026-05-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lazeefish.com/envelope-method</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
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  <url>
    <loc>https://lazeefish.com/envelope-method-guide</loc>
    <lastmod>2026-05-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/free-budgeting-app</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://lazeefish.com/blog</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── Features ───────────────────────────────────────────── -->
  <url>
    <loc>https://lazeefish.com/bank-sync</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://lazeefish.com/auto-categorization</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://lazeefish.com/reports-and-insights</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://lazeefish.com/tags-and-categories</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://lazeefish.com/joint-budget-app</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/savings-goals-app</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── Pricing / FAQ ──────────────────────────────────────── -->
  <url>
    <loc>https://lazeefish.com/pricing</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://lazeefish.com/faq</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ── Blog — Tier 1 (core, high-intent) ─────────────────── -->
  <url>
    <loc>https://lazeefish.com/blog/budget-lying</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://lazeefish.com/blog/brain-science</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://lazeefish.com/blog/how-to-start</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://lazeefish.com/blog/envelope-vs-methods</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/blog/90-days</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Blog — Tier 2 (supporting) ───────────────────────── -->
  <url>
    <loc>https://lazeefish.com/blog/envelope-vs-zero-based</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/blog/couples-budgeting</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/blog/how-to-share-a-budget</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://lazeefish.com/blog/sinking-funds</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://lazeefish.com/blog/irregular-income</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/blog/single-parents</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/blog/best-free-budgeting-app</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- ── Guides ─────────────────────────────────────────────── -->
  <url>
    <loc>https://lazeefish.com/guide/joint-budgeting</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ── Compare — Tier 1 (high search volume) ─────────────── -->
  <url>
    <loc>https://lazeefish.com/compare/ynab</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://lazeefish.com/compare/mint</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/compare/monarch</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ── Compare — Tier 2 ──────────────────────────────────── -->
  <url>
    <loc>https://lazeefish.com/compare/copilot</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/compare/simplifi</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/compare/goodbudget</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/compare/tiller</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/compare/honeydue</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/compare/zeta</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/compare</loc>
    <lastmod>2026-05-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/best-budget-app-2026</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/budget-app-for-couples</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/zero-based-budgeting-app</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/budget-app-with-plaid</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/no-subscription-budget-app</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- ── Calculators ───────────────────────────────────────── -->
  <url>
    <loc>https://lazeefish.com/calculators</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://lazeefish.com/calculator/savings</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/calculator/debt-payoff</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- ── Utility ───────────────────────────────────────────── -->
  <url>
    <loc>https://lazeefish.com/glossary</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/about</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lazeefish.com/contact</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lazeefish.com/privacy</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <url>
    <loc>https://lazeefish.com/terms</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- ── Recurring Bills (Phase C launch — 2026-05-05) ────────── -->
  <url>
    <loc>https://lazeefish.com/recurring-bills-app</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/blog/automate-recurring-bills</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/blog/recurring-vs-budget-allocation</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/subscriptions-tracker</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/debt-tracker-app</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/mortgage-tracker</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://lazeefish.com/credit-card-payoff-app</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/snowball-vs-avalanche</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/blog/debt-free-journey</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/blog/mortgage-as-envelope</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/blog/balance-transfer-math</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://lazeefish.com/blog/debt-is-a-liability</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

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