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Ameritrade Roth IRA - October 5, 2015</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/10/bettermentsnapshot10052015.jpg</image:loc><image:title>bettermentsnapshot10052015</image:title><image:caption>Betterment Snapshot October 5, 2015</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/10/401ksnapshot10052015.jpg</image:loc><image:title>401ksnapshot10052015</image:title><image:caption>401k snapshot October 5, 2015</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/10/altima10052015.jpg</image:loc><image:title>altima10052015</image:title><image:caption>NMAC Loan October 5 2015</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/10/month42navientupdate.jpg</image:loc><image:title>month42navientupdate</image:title><image:caption>Navient Month 42 Update</image:caption></image:image><lastmod>2015-10-06T03:51:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/09/07/month-41-navient-14895-nmac-13130-40-401k-9361-roth-ira-3002-37/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/08/month41update.jpg</image:loc><image:title>Sallie Mae - Month 41 Update</image:title></image:image><lastmod>2015-10-06T05:26:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/08/12/month-40-update-navient-15402-70-nmac-13409-401k-9516-roth-ira-2956/</loc><lastmod>2015-08-12T06:48:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/08/12/wrong-path/</loc><lastmod>2015-08-12T02:09:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/07/26/32-reflections-on-life/</loc><lastmod>2015-07-26T15:20:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/07/06/month-39-update-navient-15787-87-nmac-13689-14-401k-9137-roth-ira-2745-85/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/07/img_7646.jpg</image:loc><image:title>Nail in car tire</image:title><image:caption>Nail in car tire</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/07/img_7775.jpg</image:loc><image:title>Car 12,000 Miles</image:title><image:caption>Hitting 12k miles on my Nissan</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/07/betterment07062015.jpg</image:loc><image:title>betterment07062015</image:title><image:caption>Betterment 07/06/2015</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/07/navientmonth39update.jpg</image:loc><image:title>navientmonth39update</image:title><image:caption>Naiveté Month 39 Update</image:caption></image:image><lastmod>2015-07-06T06:58:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/06/10/month-38-update-navient-16691-37-nmac-13968-51-401k-8718-roth-ira-2571-89/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/06/navientmonth38.jpg</image:loc><image:title>navientmonth38</image:title><image:caption>Navient Month 38</image:caption></image:image><lastmod>2015-06-10T06:49:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/05/12/gay-date-gone-wrong/</loc><lastmod>2015-05-26T03:33:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/05/11/month-37-update-navient-18183-81-nmac-14247-88-401k-8408-85-roth-ira-2478-02/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/05/401k05112015.jpg</image:loc><image:title>401k05112015</image:title><image:caption>401k Status - May 11, 2015</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/05/betterment05112015.jpg</image:loc><image:title>betterment05112015</image:title><image:caption>Betterment Update - May 11, 2015.</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/05/month37update.jpg</image:loc><image:title>month37update</image:title><image:caption>Navient Month 37 Update</image:caption></image:image><lastmod>2015-08-12T01:16:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/04/06/month-36-update-navient-19310-05-nmac-14527-401k-7787-93-roth-ira-2133-27/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/04/rothira04062015.jpg</image:loc><image:title>rothira04062015</image:title><image:caption>Roth IRA - TDAmeritrade 04062015</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/04/401k04022015.jpg</image:loc><image:title>401k04022015</image:title><image:caption>401k Balance April 2, 2015- $7787.93</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/04/img_7043.png</image:loc><image:title>Betterment April 5, 2015</image:title><image:caption>Betterment balance 4/5/2015 - $1488.76</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/04/navientmonth36update.jpg</image:loc><image:title>navientmonth36update</image:title><image:caption>Navient Month 36 Update</image:caption></image:image><lastmod>2015-04-06T06:49:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/03/09/month-35-update-student-loan-20395-59-nmac-14806-62-roth-1816-31-401k-7235-94/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/03/roth401kupdate03082015.jpg</image:loc><image:title>401kupdate03082015</image:title><image:caption>401k Balance Update - March 8, 2015</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/03/tdameritraderothira03082015.jpg</image:loc><image:title>tdameritraderothira03082015</image:title><image:caption>TDAmeritrade Roth IRA Update</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/03/img_6870.png</image:loc><image:title>IMG_6870</image:title><image:caption>Betterment Update 3/8/2015</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/03/nmacmonth35update.jpg</image:loc><image:title>nmacmonth35update</image:title><image:caption>NMAC - Month 35 Update</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/03/month35update.jpg</image:loc><image:title>month35update</image:title><image:caption>Month 35 Debt Free 32 Update</image:caption></image:image><lastmod>2015-03-09T00:08:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/02/21/fico-score/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/02/ficoscorejan2015.png</image:loc><image:title>ficoscorejan2015</image:title></image:image><lastmod>2015-02-21T05:20:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/02/14/indispensability-salary/</loc><lastmod>2015-07-28T18:05:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/02/10/a-story-about-money-dating/</loc><lastmod>2015-02-10T06:29:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/02/05/month-34-update-navient-22313-50-nmac-15085-99-total-37399-49/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/02/month34update.jpg</image:loc><image:title>Debt Free 32 - Month 34 Update</image:title><image:caption>February 4, 2015 - Student Loan balance update.</image:caption></image:image><lastmod>2015-02-08T06:10:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/01/30/quick-look-back-payments-interest/</loc><lastmod>2015-01-30T07:45:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/01/26/so-would-you-like-47-cents-on-the-dollar/</loc><lastmod>2015-01-26T06:13:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/01/26/100-debt-free-august-2017-or-earlier/</loc><lastmod>2015-01-26T06:07:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/01/12/credit-cards-do-i-need-to-keep-using-them/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/01/2014creditcardrewards.png</image:loc><image:title>2014 Chase Rewards</image:title><image:caption>2014 Chase Reward Redemptions</image:caption></image:image><lastmod>2015-01-19T14:23:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/01/11/retirement-7026/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/01/retirementfvofmoney.jpg</image:loc><image:title>Retirement FV of money</image:title><image:caption>Retirement FV of money</image:caption></image:image><lastmod>2015-01-19T14:41:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2015/01/08/month-33-update-navient-25137-39-nmac-15365-36-total-40502-75/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2015/01/month33update.jpg</image:loc><image:title>month33update</image:title></image:image><lastmod>2015-01-19T14:44:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/12/21/2015-here-we-go/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/12/ouchannualbudget.jpg</image:loc><image:title>Ouch Annual Budget</image:title></image:image><lastmod>2015-01-08T08:03:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/12/10/month-32-update-25626-16-navient-15644-nmac-total-41270-16/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/12/currentrothgrowthforecast1.jpg</image:loc><image:title>currentrothgrowthforecast</image:title><image:caption>Current Roth IRA balance and expected future value at age 65 - 2048.</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/12/maxcontributionrothgrowthforecast.png</image:loc><image:title>maxcontributionrothgrowthforecast</image:title><image:caption>Maxed out Roth IRA Contribution from 2014 to 34 years from now to 2048.</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/12/currentrothgrowthforecast.jpg</image:loc><image:title>currentrothgrowthforecast</image:title><image:caption>Current Roth Balance Growth at Age 65</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/12/41rxbenkypl.jpg</image:loc><image:title>Ashley Furniture Commando - Loveseat</image:title><image:caption>Ashley Furniture Commando - Loveseat</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/12/64500-38-sd.jpg</image:loc><image:title>Ashley Furniture Commando - Sofa</image:title><image:caption>Ashley Furniture Commando - Sofa</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/12/month32carupdate.jpg</image:loc><image:title>month32carupdate</image:title><image:caption>Month 32 - Nissan Altima 2014 Payoff</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/12/month32update.jpg</image:loc><image:title>month32update</image:title><image:caption>Navient / Sallie Mae - Month 32 Update</image:caption></image:image><lastmod>2014-12-21T10:23:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/11/12/month-31-update-sallie-mae-26218-23-nmac-15924-10-total-42142-33/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/11/month31update.jpg</image:loc><image:title>month31update</image:title></image:image><lastmod>2014-11-12T16:55:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/10/26/new-beginnings-apartment-lease-and-relationships/</loc><lastmod>2014-12-10T18:18:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/10/05/month-30-update-sallie-mae-26992-29-nmac-16203-47-total-43195-76/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/10/img_5772.png</image:loc><image:title>IMG_5772</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/10/fullsizerender5.jpg</image:loc><image:title>FullSizeRender</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/10/fullsizerender4.jpg</image:loc><image:title>FullSizeRender</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/10/fullsizerender3.jpg</image:loc><image:title>FullSizeRender</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/10/fullsizerender2.jpg</image:loc><image:title>FullSizeRender</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/10/fullsizerender1.jpg</image:loc><image:title>FullSizeRender</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/10/fullsizerender.jpg</image:loc><image:title>FullSizeRender</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/10/img_5745.jpg</image:loc><image:title>IMG_5745</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/10/month30update.jpg</image:loc><image:title>month30update</image:title><image:caption>Month 30 Update - Debt Free 32</image:caption></image:image><lastmod>2014-10-05T17:06:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/09/14/debt-friendships/</loc><lastmod>2014-09-14T16:36:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/09/14/iphone-6-yes-i-pre-ordered-one/</loc><lastmod>2014-09-14T15:35:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/09/06/month-29-update-sallie-mae-28473-08-nmac-16482-84-total-44955-92/</loc><lastmod>2014-09-07T17:16:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/09/03/therapy/</loc><lastmod>2014-09-14T15:52:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/08/07/month-28-update-sallie-mae-29377-51-car-16762-21-total-46139-72/</loc><lastmod>2014-08-07T05:50:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/07/17/staying-the-course-a-tale-of-money-things/</loc><lastmod>2014-08-04T04:49:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/07/07/month-27-update-sallie-mae-29719-74-car-16762-21-total-46481-95/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/07/month27update2.jpg</image:loc><image:title>month27update</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/07/img_5174.jpg</image:loc><image:title>IMG_5174</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/07/img_5004.jpg</image:loc><image:title>IMG_5004</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/07/img_5229.jpg</image:loc><image:title>IMG_5229</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/07/img_5257.jpg</image:loc><image:title>IMG_5257</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/07/img_5264.jpg</image:loc><image:title>IMG_5264</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/07/month27update1.jpg</image:loc><image:title>month27update</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2014/07/month27update.jpg</image:loc><image:title>month27update</image:title></image:image><lastmod>2014-07-09T16:19:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/06/05/month-26-update-30610-82/</loc><lastmod>2014-06-05T06:14:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/05/25/boyfriend-getting-it/</loc><lastmod>2014-05-25T15:16:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/05/13/month-25-update-31277/</loc><lastmod>2014-05-13T03:28:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/04/29/through-sickness-and-in-health/</loc><lastmod>2014-04-29T05:15:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/04/05/month-24-update-32140-58/</loc><lastmod>2014-04-29T05:26:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/03/31/so-what-about-retirement/</loc><lastmod>2014-03-31T05:57:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/03/05/month-23-update-33018-91/</loc><lastmod>2014-03-05T04:25:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/02/06/teaching-a-debt-perspective-to-12-year-olds/</loc><lastmod>2014-02-06T06:37:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/02/06/month-22-update-33817-42/</loc><lastmod>2014-02-12T06:02:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2014/01/06/year-in-review-2013-month-21-update-34370/</loc><lastmod>2014-01-07T23:38:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/12/21/unexpected-expenses/</loc><lastmod>2013-12-21T21:48:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/12/08/month-20-35224-the-holidays/</loc><lastmod>2013-12-10T01:39:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/11/13/saving-20-on-my-cell-phone-bill-and-5-on-fios/</loc><lastmod>2013-11-13T05:52:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/11/10/why-i-do-this-debt-snowball-vs-minimum-payment/</loc><lastmod>2013-11-10T08:52:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/11/09/month-19-update-35925-89-counting/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2013/11/salliemaemonth19update.jpg</image:loc><image:title>salliemaemonth19update</image:title><image:caption>Sallie Mae Month 19 Update</image:caption></image:image><lastmod>2013-11-09T16:13:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/11/09/so-i-saved-1500-plumbing-bill/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2013/11/attusagenovember2013.jpg</image:loc><image:title>attusagenovember2013</image:title></image:image><lastmod>2013-11-09T15:59:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/10/07/month-18-update-36777-74/</loc><lastmod>2013-10-07T06:12:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/09/11/budget-loan-payment-breakdown/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2013/09/debtfree32budget.jpg</image:loc><image:title>Debt Free 32 Budget</image:title><image:caption>Debt Free 32 Budget</image:caption></image:image><lastmod>2013-09-16T00:54:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/09/11/i-attended-a-top-college-in-the-nation-iphone/</loc><lastmod>2013-09-11T03:13:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/09/10/month-17-update-37664-92-and-counting/</loc><lastmod>2013-09-10T08:53:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/08/27/bike-vacations/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2013/08/newmountainbike.jpg</image:loc><image:title>GT Timberline Mountain Bike</image:title></image:image><lastmod>2013-08-27T06:43:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/08/19/looking-back-forward/</loc><lastmod>2013-08-19T04:34:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/08/11/accelerated-payment-month-16-update/</loc><lastmod>2013-08-11T07:17:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/07/16/oh-my-god/</loc><lastmod>2013-07-16T06:23:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/07/06/so-i-have-this-friend/</loc><lastmod>2013-07-09T01:00:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/07/08/looking-back-on-my-student-loans/</loc><lastmod>2013-07-20T15:11:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/07/06/nmhd-budget-clinic-episode-1-introduction/</loc><lastmod>2013-07-06T03:41:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/07/05/month-15-update-38878-85/</loc><lastmod>2013-07-08T12:58:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/07/01/expensive-weekend/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2013/07/300k_odometer_zpsc93bd38b.jpg</image:loc><image:title>2008 Nissan Altima 300k miles</image:title></image:image><lastmod>2013-07-01T04:13:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/06/23/potential-breakthrough/</loc><lastmod>2013-06-23T07:28:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/05/07/month-13-update-40355-11-and-counting/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2013/05/img_3219.jpg</image:loc><image:title>IMG_3219</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2013/05/img_3233.jpg</image:loc><image:title>My $185 Road Bike</image:title><image:caption>Takara Kabuto</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2013/05/img_3294.jpg</image:loc><image:title>IMG_3294</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2013/05/img_3292.jpg</image:loc><image:title>IMG_3292</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2013/05/month13update.jpg</image:loc><image:title>Month 13 Sallie Mae</image:title><image:caption>Month 13 of Sallie Mae repayment.</image:caption></image:image><lastmod>2013-06-09T22:05:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2013/06/01/month-14-update-39825-00/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2013/06/month14update.jpg</image:loc><image:title>Month 14 Update</image:title><image:caption>Sallie Mae - Month 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Update.</image:caption></image:image><lastmod>2013-01-01T05:28:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/12/30/bummed-out/</loc><lastmod>2012-12-31T05:31:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/12/25/merry-christmas/</loc><lastmod>2012-12-25T05:34:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/12/18/plumbing-issues-continued/</loc><lastmod>2012-12-18T13:38:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/12/10/wheat-belly/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2012/12/wheat-belly-book-weight-loss.jpg</image:loc><image:title>Wheat Belly Weight Loss Book</image:title><image:caption>Wheat Belly Weight Loss 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2012.</image:caption></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2012/12/loansnapshot122012.png</image:loc><image:title>loansnapshot122012</image:title></image:image><lastmod>2012-12-02T10:09:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/11/29/anniversary-cyber-monday/</loc><lastmod>2012-11-29T07:17:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/11/25/before-you-take-out-a-student-loan/</loc><lastmod>2012-11-25T19:23:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/11/24/no-bueno-pipe-issue/</loc><lastmod>2012-11-24T17:22:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/11/24/black-friday-thoughts/</loc><lastmod>2012-11-24T08:23:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/11/18/home-repairs/</loc><lastmod>2012-11-18T23:42:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/11/17/home-repairs-on-horizon/</loc><lastmod>2012-11-17T06:26:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/11/12/saving-grace/</loc><lastmod>2012-11-12T05:11:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/10/31/month-7-update/</loc><lastmod>2012-12-02T09:58:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/10/26/job-update/</loc><lastmod>2012-10-26T03:54:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/10/21/my-own-stupidity-continued/</loc><lastmod>2012-10-21T05:05:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/10/12/decisions/</loc><lastmod>2012-10-12T17:11:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/10/12/my-own-stupidity/</loc><lastmod>2012-10-12T17:03:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/10/05/too-close-to-call/</loc><lastmod>2012-10-26T04:01:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/10/04/back-in-high-school/</loc><lastmod>2012-10-04T04:06:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/09/30/grill/</loc><lastmod>2012-10-06T04:13:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/09/29/iphone-5-work-update/</loc><lastmod>2012-09-29T16:23:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/09/20/the-edge-of-glory/</loc><lastmod>2012-09-20T04:23:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/09/20/bad-home-depot-experience/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2012/09/home-depot-kids-workshop.jpg</image:loc><image:title>home depot teaching kids to build</image:title></image:image><lastmod>2012-09-20T01:38:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/09/18/interview-lined-up/</loc><lastmod>2012-09-18T04:50:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/09/16/credit-card-paid-off-iphone-5-preordered/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2012/09/september2012ccbalance.jpg</image:loc><image:title>september2012ccbalance</image:title></image:image><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2012/09/january2012creditcardsnapshot.jpg</image:loc><image:title>january2012creditcardsnapshot</image:title></image:image><lastmod>2012-09-18T04:31:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/09/10/choosing-my-path/</loc><lastmod>2012-09-10T02:02:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/09/04/splurging/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2012/09/teethafter.jpg</image:loc><image:title>Teeth 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T04:58:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/06/10/rough-week-18/</loc><lastmod>2012-06-10T00:02:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://debtfreealpha.com/2012/06/04/making-progress-down-to-44605-57/</loc><image:image><image:loc>https://debtfreealpha.com/wp-content/uploads/2012/06/neednewtires.jpg</image:loc><image:title>Need 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