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  <!-- Core Pages -->
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    <loc>https://moneymoat.club/</loc>
    <lastmod>2026-02-19</lastmod>
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    <priority>1.0</priority>
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  <url>
    <loc>https://moneymoat.club/app</loc>
    <lastmod>2026-02-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://moneymoat.club/resources</loc>
    <lastmod>2026-02-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Tax Guides -->
  <url>
    <loc>https://moneymoat.club/resources/rsu-taxation-india</loc>
    <lastmod>2026-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://moneymoat.club/resources/schedule-fa-guide</loc>
    <lastmod>2026-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://moneymoat.club/resources/dtaa-benefits</loc>
    <lastmod>2026-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://moneymoat.club/resources/form-67-guide</loc>
    <lastmod>2026-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://moneymoat.club/resources/capital-gains-us-stocks</loc>
    <lastmod>2026-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Compliance Checklists -->
  <url>
    <loc>https://moneymoat.club/resources/schedule-fa-checklist</loc>
    <lastmod>2026-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://moneymoat.club/resources/itr-filing-foreign-assets</loc>
    <lastmod>2026-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://moneymoat.club/resources/fbar-reporting</loc>
    <lastmod>2026-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://moneymoat.club/resources/pre-tax-season-checklist</loc>
    <lastmod>2026-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Educational Content -->
  <url>
    <loc>https://moneymoat.club/resources/rsu-vs-espp</loc>
    <lastmod>2026-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://moneymoat.club/resources/currency-conversion-tax</loc>
    <lastmod>2026-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://moneymoat.club/resources/dividend-withholding</loc>
    <lastmod>2026-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://moneymoat.club/resources/portfolio-diversification</loc>
    <lastmod>2026-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

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