<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <url>
    <loc>https://www.justordinaryguy.com/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/blog/personal-finance/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/blog/career-advise/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/about-1/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/contact/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2026/01/10/my-portfolio-december-2025-and-full-year-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2025/11/29/my-portfolio-november-2025-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2025/11/02/my-portfolio-october-2025-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2025/10/01/my-portfolio-september-2025-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2025/09/01/my-portfolio-august-2025-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2025/07/03/my-portfolio-june-2025-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2025/06/02/my-portfolio-may-2025-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2025/05/04/my-portfolio-april-2025-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2025/03/28/my-portfolio-march-2025-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2025/03/03/my-portfolio-february-2025-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2025/02/03/my-portfolio-january-2025-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2025/01/18/the-full-portfolio-reveal/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2025/01/02/my-portfolio-december-2024-and-full-year-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2024/12/02/my-portfolio-november-2024-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2024/11/01/my-portfolio-october-2024-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2024/10/02/my-portfolio-september-2024-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2024/09/01/my-portfolio-august-2024-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2024/08/03/my-portfolio-july-2024-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2024/07/01/my-portfolio-june-2024-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2024/06/09/my-portfolio-may-2024-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2024/05/02/my-portfolio-april-2024-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2024/04/02/my-portfolio-march-2024-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2024/03/02/my-portfolio-february-2024-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2024/01/31/my-portfolio-january-2024-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2024/01/02/my-portfolio-december-2023-and-full-year-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2023/12/02/my-portfolio-november-2023-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2023/11/01/my-portfolio-october-2023-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2023/10/02/my-portfolio-september-2023-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2023/09/02/my-portfolio-july-august-2023-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2023/07/02/my-portfolio-june-2023-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2023/06/02/my-portfolio-may-2023-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2023/05/01/my-portfolio-april-2023-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2023/04/02/my-portfolio-march-2023-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2023/03/01/my-portfolio-february-2023-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2023/02/03/my-portfolio-january-2023/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2023/01/08/reflections-on-2022-and-a-first-look-at-2023/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2023/01/03/my-portfolio-december-2022-and-full-year-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/12/01/my-portfolio-november-2022-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/11/03/my-portfolio-october-2022-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/10/03/my-portfolio-september-2022-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/09/01/my-portfolio-august-2022-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/08/01/my-portfolio-july-2022-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/07/04/my-portfolio-june-2022-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/06/02/my-portfolio-may-2022-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/05/21/thematic-etfs-a-bad-investment/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/04/30/my-portfolio-april-2022-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/04/24/backtest-by-curvo-and-the-benefits-of-international-diversification/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/04/13/psicological-aspect-of-holding-on/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/04/01/my-portfolio-march-2022-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/03/20/4-rule-how-it-all-started-and-the-assumptions-behind/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/03/12/how-to-select-an-etf-the-basic-criteria-to-pick-one/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/02/26/more-stress-testing-of-the-4-rule-with-monte-carlo-portfolio-visualizer/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/02/28/my-portfolio-february-2022-update/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/02/15/diversification-done-right-across-multiple-asset-classes/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/02/08/investing-in-one-big-lump-sum-or-spread-over-time/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/02/07/esg-and-sri-investing-what-is-what/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/01/30/my-current-portfolio/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/01/29/stress-testing-the-4-rule-with-montecarlo-simulation/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/01/23/investing-in-the-short-term-what-are-the-options/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/01/22/investing-in-etf-following-a-core-satellite-strategy/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/01/17/creating-a-global-etf-portfolio-with-the-least-effort/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/01/16/what-is-an-etf-how-it-works-and-one-example-analyzed/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/01/09/resetting-expectations-on-the-safe-withdrawal-rate/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/01/08/what-is-the-safe-withdrawal-rate-and-how-safe-is-our-model/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/01/04/how-much-money-do-we-need-to-reach-our-financial-goal-the-answer/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/01/03/how-much-money-do-we-need-to-reach-our-financial-goal/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2022/01/02/how-much-money-do-we-need-to-reach-our-goal/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2021/12/31/define-your-personal-financial-goal/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2021/12/29/passive-vs-active-investing/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2021/12/19/always-negotiate-your-first-salary/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2021/12/12/when-to-stop-saving-and-start-investing/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2021/12/07/how-to-deal-with-big-expenses-coming-up/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2021/12/05/the-power-of-compound-interest-rates/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2021/12/02/do-your-own-spending-review-part-iv/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2021/11/28/do-your-own-spending-review-part-iii/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2021/11/21/do-your-own-spending-review-part-ii/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/2021/11/21/do-your-own-spending-review-part-i/</loc>
  </url>
  <url>
    <loc>https://www.justordinaryguy.com/about/</loc>
  </url>
</urlset>