<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- ============================================================
       Homepage
       ============================================================ -->
  <url>
    <loc>https://www.federalwarrior.com/</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ============================================================
       Pillar Pages
       ============================================================ -->
  <url>
    <loc>https://www.federalwarrior.com/career-and-pay.html</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.federalwarrior.com/benefits.html</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.federalwarrior.com/workplace.html</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.federalwarrior.com/professional-development.html</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.federalwarrior.com/tools.html</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ============================================================
       About & Contact
       ============================================================ -->
  <url>
    <loc>https://www.federalwarrior.com/about.html</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://www.federalwarrior.com/contact.html</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- ============================================================
       Legal Pages
       ============================================================ -->
  <url>
    <loc>https://www.federalwarrior.com/privacy.html</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://www.federalwarrior.com/terms.html</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://www.federalwarrior.com/disclaimer.html</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>


  <!-- ============================================================
       Benefits — Articles
       ============================================================ -->
  <url>
    <loc>https://www.federalwarrior.com/benefits/fers-accrual.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/benefits/tsp-contribution-strategy.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/benefits/tsp-traditional-vs-roth.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/benefits/tsp-fund-allocation.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/benefits/social-security-wep-gpo.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/benefits/open-season-playbook.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/benefits/civilian-deposits-redeposits.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/benefits/fegli-worth-it.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ============================================================
       Career & Pay — Articles
       ============================================================ -->
  <url>
    <loc>https://www.federalwarrior.com/career-pay/high-3-strategy.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/career-pay/private-sector-comparison.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/career-pay/two-step-timing.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/career-pay/telework-locality.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/career-pay/recruitment-relocation-retention-incentives.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/career-pay/student-loan-repayment.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ============================================================
       Workplace — Articles
       ============================================================ -->
  <url>
    <loc>https://www.federalwarrior.com/workplace/hatch-act.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/workplace/ig-investigations.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/workplace/financial-disclosure.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/workplace/retaining-counsel.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ============================================================
       Professional Development — Articles
       ============================================================ -->
  <url>
    <loc>https://www.federalwarrior.com/professional-development/private-sector-transition.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.federalwarrior.com/professional-development/coaching-mentoring.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ============================================================
       Tools — Calculators
       ============================================================ -->
  <url>
    <loc>https://www.federalwarrior.com/tools/tsp-contribution-optimizer.html</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

</urlset>
