<?xml version="1.0" encoding="UTF-8"?>
<!--
  Public pages only: the landing page, the two legal pages and the ten guides.

  ⛔ The eleven app pages (app, parent-login, parent-dashboard, parent-settings,
  kid-dashboard, kid-detail, add-child, child-selection, diagnostic, practice,
  session-complete) are deliberately absent. They are signed-in surfaces with no
  standalone value in search, and several would read as broken out of context.

  ⚠️ Every <loc> is EXTENSIONLESS and must stay byte-identical to that page's
  rel="canonical". firebase.json sets cleanUrls:true, so /effort-not-grades is the
  real URL and /effort-not-grades.html 301s to it. Listing the .html form here would
  hand Google a sitemap of redirects.
-->
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  <url>
    <loc>https://piggybankmath.com/</loc>
    <lastmod>2026-09-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- The guides hub. Browsable index of the ten guides below, and the only page
       that links all of them; every guide footer links back to it. -->
  <url>
    <loc>https://piggybankmath.com/guides</loc>
    <lastmod>2026-09-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Guides. effort-not-grades is the pillar: it carries the central argument and
       is the one the landing page and the other guides link to. -->
  <url>
    <loc>https://piggybankmath.com/effort-not-grades</loc>
    <lastmod>2026-09-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://piggybankmath.com/how-much-to-pay-kids-for-schoolwork</loc>
    <lastmod>2026-09-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://piggybankmath.com/homeschooler-hates-math-drills</loc>
    <lastmod>2026-09-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://piggybankmath.com/daily-math-facts-routine</loc>
    <lastmod>2026-09-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://piggybankmath.com/math-fact-fluency-struggling-kid</loc>
    <lastmod>2026-09-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://piggybankmath.com/math-motivation-without-switching-curriculum</loc>
    <lastmod>2026-09-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://piggybankmath.com/is-paying-kids-for-math-bad</loc>
    <lastmod>2026-09-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://piggybankmath.com/research-paying-kids-for-schoolwork</loc>
    <lastmod>2026-09-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://piggybankmath.com/vs-xtramath-and-prodigy-math-facts</loc>
    <lastmod>2026-09-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://piggybankmath.com/best-math-fact-apps-homeschool</loc>
    <lastmod>2026-09-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Legal. Low priority for ranking, but they must stay crawlable: Google's API
       Services User Data Policy requires a reachable privacy policy to keep using
       Google Sign-In, and parent-login.html's signup consent checkbox links to both. -->
  <url>
    <loc>https://piggybankmath.com/privacy-policy</loc>
    <lastmod>2026-09-15</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://piggybankmath.com/terms-conditions</loc>
    <lastmod>2026-09-15</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
