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      <image:title>VAVE Finance Blog - A Love Letter to my wife...about money - 2026 edition - Make it stand out</image:title>
      <image:caption>Here is our Hui Financial Picture for 2026</image:caption>
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      <image:title>VAVE Finance Blog - Why use a Fee-for-Service Financial Planner?</image:title>
      <image:caption>This chart assumes a deposit of $6,000 per year into a portfolio and 5% return</image:caption>
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      <image:title>VAVE Finance Blog - What is an Advice-Only Financial Planner?</image:title>
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      <image:title>VAVE Finance Blog - What is an Advice-Only Financial Planner?</image:title>
      <image:caption>This chart assumes a deposit of $6,000 per year into a portfolio and 5% return</image:caption>
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      <image:title>VAVE Finance Blog - What is an Advice-Only Financial Planner? - Click the badge to view the directory of Advice-only Financial Planners in Canada</image:title>
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      <image:title>VAVE Finance Blog - Why Advice-Only Financial Planning?</image:title>
      <image:caption>This chart assumes a deposit of $6,000 per year into a portfolio and 5% return</image:caption>
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      <image:title>VAVE Finance Blog - Why Advice-Only Financial Planning?</image:title>
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      <image:title>VAVE Finance Blog - Why Advice-Only Financial Planning? - Click the badge to view the directory of Advice-only Financial Planners in Canada</image:title>
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      <image:title>VAVE Finance Blog - What does passive investing mean?</image:title>
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      <image:title>VAVE Finance Blog - What does passive investing mean?</image:title>
      <image:caption>Source: Vanguard Canada website: https://www.vanguardcanada.ca/individual/etfs/about-our-asset-allocation-etfs.htm?cmpgn=PS0117CABAPDS0006</image:caption>
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      <image:title>VAVE Finance Blog - What is an Advice-Only Financial Planner?</image:title>
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      <image:title>VAVE Finance Blog - What is an Advice-Only Financial Planner? - Click the badge to view the directory of Advice-only Financial Planners in Canada</image:title>
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      <image:title>VAVE Finance Blog - What is an Advice-Only Financial Planner?</image:title>
      <image:caption>This chart assumes a deposit of $6,000 per year into a portfolio and 5% return</image:caption>
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    <loc>http://www.vavefinancial.com/vaveblog/2017/2/10/blind-love-stop-only-fools-rush-in-to-rrsps-5643e</loc>
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    <lastmod>2025-11-08</lastmod>
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      <image:title>VAVE Finance Blog - Write your own "Choose Your Own Adventure" book - for retirement</image:title>
      <image:caption>The chart above shows what income source is used each year to pay for lifestyle expenses and debt. Notice that when Winnie retires at age 60, her pension begins to form part of their income. Also not that their future RRSP/RRIF withdrawals are pushing them into a higher tax bracket than when they were working.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5730a129d210b89987a29b2d/1549652645371-P125TLKS1JFRTJ6LDAYV/chart+%2817%29.jpeg</image:loc>
      <image:title>VAVE Finance Blog - Write your own "Choose Your Own Adventure" book - for retirement</image:title>
      <image:caption>This chart shows their net worth from age 40 to 100 based on the variables shown above.</image:caption>
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      <image:title>VAVE Finance Blog - Financial Independence/Retire Early (FIRE)</image:title>
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      <image:title>VAVE Finance Blog - Financial Independence/Retire Early (FIRE)</image:title>
      <image:caption>The age of reaching financial independence depends on how big of a Nest Egg is required to sustain expenses for the rest of your life.</image:caption>
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      <image:title>VAVE Finance Blog - Financial Independence/Retire Early (FIRE)</image:title>
      <image:caption>Assuming the 4% rule, your "Shortfall" per year must be equal to or less than 4% of your Nest Egg/Portfolio in order to be Financially Independent.</image:caption>
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      <image:title>VAVE Finance Blog - 3 Reasons Why You Should Hire A Fee-For-Service Financial Planner</image:title>
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      <image:title>VAVE Finance Blog - 3 Reasons Why You Should Hire A Fee-For-Service Financial Planner</image:title>
      <image:caption>This chart assumes a deposit of $6,000 per year into a portfolio and 5% return</image:caption>
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      <image:title>VAVE Finance Blog - Why use a Fee-for-Service Financial Planner?</image:title>
      <image:caption>This chart assumes a deposit of $6,000 per year into a portfolio and 5% return</image:caption>
    </image:image>
    <image:image>
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      <image:title>VAVE Finance Blog - Why use a Fee-for-Service Financial Planner?</image:title>
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      <image:title>VAVE Finance Blog - Why use a Fee-for-Service Financial Planner?</image:title>
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      <image:title>VAVE Finance Blog - Why use a Fee-for-Service Financial Planner?</image:title>
      <image:caption>This chart assumes a deposit of $6,000 per year into a portfolio and 5% return</image:caption>
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    <loc>http://www.vavefinancial.com/vaveblog/2017/6/26/why-use-a-money-coach</loc>
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  <url>
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      <image:title>VAVE Finance Blog - 5 Keys to Getting FIRE'd</image:title>
      <image:caption>Assuming the 4% rule, your "Shortfall" per year must be equal to or less than 4% of your Nest Egg/Portfolio in order to be Financially Independent.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5730a129d210b89987a29b2d/1503161940773-0MRBU4CBQAKM7T25ZMRS/accumulationphase.png</image:loc>
      <image:title>VAVE Finance Blog - 5 Keys to Getting FIRE'd</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5730a129d210b89987a29b2d/1503069802846-I9TXNJOXW3JC4MX5XDZO/FI-AccumulationDecumulation.jpg</image:loc>
      <image:title>VAVE Finance Blog - 5 Keys to Getting FIRE'd</image:title>
      <image:caption>The age of reaching financial independence depends on how big of a Nest Egg is required to sustain expenses for the rest of your life.</image:caption>
    </image:image>
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  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2017/7/17/post-secondary-education-stay-home-or-go-away</loc>
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    <lastmod>2025-11-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5730a129d210b89987a29b2d/1500413458752-K0UAQKH2CCDQXA8OGSQI/image-asset.png</image:loc>
      <image:title>VAVE Finance Blog - Post-Secondary Study: Home or Away?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5730a129d210b89987a29b2d/1500411925756-XD5NHTH63HHL3GQQLJLK/image-asset.png</image:loc>
      <image:title>VAVE Finance Blog - Post-Secondary Study: Home or Away?</image:title>
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  <url>
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    <lastmod>2025-11-08</lastmod>
  </url>
  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2017/6/7/the-3-simple-tools-your-portfolio-needs</loc>
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    <lastmod>2025-11-08</lastmod>
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  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2017/6/2/how-to-teach-your-kids-about-money</loc>
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    <lastmod>2017-06-07</lastmod>
  </url>
  <url>
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    <lastmod>2025-11-08</lastmod>
  </url>
  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2017/4/12/that-uneasy-feeling-get-me-off-this-thing</loc>
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    <priority>0.5</priority>
    <lastmod>2025-11-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5730a129d210b89987a29b2d/1492048570248-4FJIBEKTVH7JZFZR2430/image-asset.jpeg</image:loc>
      <image:title>VAVE Finance Blog - That Uneasy Feeling: Time for Change</image:title>
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  <url>
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    <lastmod>2025-11-08</lastmod>
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  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2017/2/27/my-6-year-old-built-an-hd-antenna-so-we-could-cut-cable-tv</loc>
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    <image:image>
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      <image:title>VAVE Finance Blog - My 6yr old built an HD Antenna so we could cut cable TV</image:title>
      <image:caption>Ta da! As soon as she connected the antenna to our TV and scanned for channels, "Big Bang Theory" was the first show that we were able to receive. How fitting.</image:caption>
    </image:image>
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  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2016/5/21/whos-stealing-your-retirement</loc>
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    <priority>0.5</priority>
    <lastmod>2025-11-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5730a129d210b89987a29b2d/1485279142123-3116BOI1ZCZK2CQHJZEQ/EFfectofMERGraph.jpg</image:loc>
      <image:title>VAVE Finance Blog - Mutual Fund Fees: Who's Stealing Your Retirement?</image:title>
      <image:caption>This chart assumes a deposit of $6,000 per year into a portfolio and 5% return.</image:caption>
    </image:image>
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  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2017/2/10/blind-love-stop-only-fools-rush-in-to-rrsps</loc>
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    <lastmod>2025-11-08</lastmod>
  </url>
  <url>
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    <lastmod>2025-11-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5730a129d210b89987a29b2d/1485978227649-UE5Y4V6KNAR778LGTUKD/image-asset.png</image:loc>
      <image:title>VAVE Finance Blog - 3 Account Cash Flow System</image:title>
      <image:caption>This 3-account system works together with your budget to control spending.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2017/1/18/the-etf-a-giant-box-of-assorted-lego</loc>
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    <lastmod>2025-11-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5730a129d210b89987a29b2d/1484748489484-N68SGYR3VVQ3GLDDFBT2/feeshurtreturns</image:loc>
      <image:title>VAVE Finance Blog - The ETF: A giant box of assorted LEGO</image:title>
      <image:caption>*assuming an investment of $6000 per year for 40 years, earning a little over 5% per year.</image:caption>
    </image:image>
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  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2017/1/18/projecting-retirement-levers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5730a129d210b89987a29b2d/1485200433207-26ZU1RX2WJY51DVWP4M2/image-asset.png</image:loc>
      <image:title>VAVE Finance Blog - Projecting Retirement: Choose Your Own Adventure</image:title>
      <image:caption>This chart shows the source of income year by year until age 100. Notice that until age 60, most of the income is from employment but then upon retirement of the first spouse, pension income makes a portion of the household income.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5730a129d210b89987a29b2d/1485200385339-H0KV27KOKRUA6PWD3LW8/image-asset.png</image:loc>
      <image:title>VAVE Finance Blog - Projecting Retirement: Choose Your Own Adventure</image:title>
      <image:caption>This chart shows Net Worth year by year up to year 100.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2017/1/18/financial-priorities-what-is-most-important-to-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-08</lastmod>
  </url>
  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2017/1/18/how-to-create-a-budget</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-08</lastmod>
  </url>
  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2017/1/18/tfsas-the-sidekick-no-one-cares-about</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-08</lastmod>
  </url>
  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2017/1/18/robo-advisors-the-rise-of-the-machines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-08</lastmod>
  </url>
  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2016/6/13/passive-investing-solutions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-08</lastmod>
  </url>
  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2016/5/16/model-portfolios-for-passive-investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-08</lastmod>
  </url>
  <url>
    <loc>http://www.vavefinancial.com/vaveblog/2016/6/10/what-is-vave-value-analysisvalue-engineering</loc>
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    <priority>0.5</priority>
    <lastmod>2025-11-08</lastmod>
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    <loc>http://www.vavefinancial.com/about</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-20</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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