<?xml version="1.0" encoding="UTF-8"?>
<!-- Public, crawlable surfaces only. App routes behind auth are intentionally
     omitted. Update when public marketing/legal pages change. -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://www.askfogo.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://www.askfogo.com/demo</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.askfogo.com/register</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.askfogo.com/blog</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.askfogo.com/for-agents</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.askfogo.com/feedback</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.askfogo.com/privacy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://www.askfogo.com/terms</loc>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>
  <url><loc>https://www.askfogo.com/blog/committed-first-discretionary</loc><lastmod>2026-07-10</lastmod></url>
  <url><loc>https://www.askfogo.com/blog/income-vs-windfall-new-money-or-your-own</loc><lastmod>2026-08-02</lastmod></url>
  <url><loc>https://www.askfogo.com/blog/plan-on-the-floor</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.askfogo.com/blog/why-fogo-does-not-nudge-you</loc><lastmod>2026-08-07</lastmod></url>
  <url><loc>https://www.askfogo.com/blog/how-do-you-know-that</loc><lastmod>2026-08-21</lastmod></url>
  <url><loc>https://www.askfogo.com/blog/coverage-the-self-knowledge-layer</loc><lastmod>2026-07-18</lastmod></url>
  <url><loc>https://www.askfogo.com/compare</loc><lastmod>2026-10-21</lastmod></url>
</urlset>
