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  <!-- Main Pages -->
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  <url>
    <loc>https://friendly-investments.de/about</loc>
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    <loc>https://friendly-investments.de/strategy</loc>
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    <loc>https://friendly-investments.de/calculator</loc>
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    <loc>https://friendly-investments.de/academy</loc>
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  <!-- Friendly Investment Pillars -->
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    <loc>https://friendly-investments.de/eco</loc>
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  <url>
    <loc>https://friendly-investments.de/socio</loc>
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  <url>
    <loc>https://friendly-investments.de/future</loc>
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    <priority>0.8</priority>
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  <url>
    <loc>https://friendly-investments.de/family</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://friendly-investments.de/entrepreneur</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://friendly-investments.de/expat</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <!-- Academy Deep Dives & Articles -->
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    <loc>https://friendly-investments.de/academy/basisrente-ruerup</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://friendly-investments.de/academy/fondspolice-flex</loc>
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    <loc>https://friendly-investments.de/academy/sachwerte</loc>
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    <loc>https://friendly-investments.de/academy/alternative-anlagen-eltifs</loc>
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    <priority>0.8</priority>
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  <url>
    <loc>https://friendly-investments.de/academy/oekonomie-der-fairness</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://friendly-investments.de/academy/zinsen-und-liquiditaet</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://friendly-investments.de/academy/etf-strategien-und-fallstricke</loc>
    <changefreq>monthly</changefreq>
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    <loc>https://friendly-investments.de/academy/dividenden</loc>
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    <loc>https://friendly-investments.de/academy/small-mid-caps</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://friendly-investments.de/academy/aktives-management</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://friendly-investments.de/academy/impact-investing-megatrends</loc>
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    <priority>0.7</priority>
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  <url>
    <loc>https://friendly-investments.de/academy/post-growth-entrepreneurship</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://friendly-investments.de/academy/marktpsychologie-fallstricke</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://friendly-investments.de/academy/zukunft-der-altersvorsorge</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://friendly-investments.de/academy/werteorientiertes-investieren</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Legal & LLM Documentation -->
  <url>
    <loc>https://friendly-investments.de/llms.txt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://friendly-investments.de/impressum</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <url>
    <loc>https://friendly-investments.de/datenschutz</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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