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  <!-- Readiness Reads: index + published articles -->
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  <url><loc>https://joinsandwich.family/readiness-reads/power-of-attorney-complete-guide</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/health-care-proxy-guide</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/will-and-testament-guide</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/understanding-trusts</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/bank-accounts-after-death</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
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  <url><loc>https://joinsandwich.family/readiness-reads/organ-donation-guide</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/managing-insurance-after-death</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/brokerage-accounts-after-death</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/safe-deposit-boxes-after-death</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/filing-taxes-deceased-person</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/credit-cards-after-death</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/loyalty-rewards-programs-after-death</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/steps-after-parent-dies</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/birth-certificates-after-death</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/property-deeds-after-death</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/military-records-veterans</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/passport-after-death</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://joinsandwich.family/readiness-reads/bills-debts-after-death</loc><lastmod>2025-10-17</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
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