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in Oxford Street (file picture)</image:title><image:caption>Shoppers flock to  Oxford Street today, to get last minute barganis. 22/12/2008. 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© David Sinclair. 01883-345790.</image:caption></image:image><lastmod>2018-05-09T15:48:03+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/you-can-train-your-mind-just-like-you-can-train-your-body/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/05/train-your-mind.jpg</image:loc><image:title>Train your 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3</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/06/rebalancing-2.png</image:loc><image:title>Rebalancing 2</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/06/rebalancing-1.png</image:loc><image:title>Rebalancing 1</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/06/up-and-down.jpg</image:loc><image:title>up and down</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/06/slide-rules.jpg</image:loc><image:title>Slide rules</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/06/chances-various.jpg</image:loc><image:title>chances various</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/06/japan-buys-us.jpg</image:loc><image:title>Japan buys US</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/06/everyone-rich-1999.jpg</image:loc><image:title>everyone-rich-1999</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/06/active-funds-expenses-e1503341371972.png</image:loc><image:title>active funds expenses</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/06/correction.jpg</image:loc><image:title>correction</image:title></image:image><lastmod>2018-04-21T01:58:55+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/class-15-exercises-simple-investing/</loc><lastmod>2018-04-21T01:57:50+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/class-20-exercises-financial-freedom/</loc><lastmod>2018-04-21T01:43:02+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/class-17-exercises-maximize-my-401k/</loc><lastmod>2018-04-21T01:41:16+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/maximize-my-401k/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/02/pie-charts.jpg</image:loc><image:title>Economic Prosperity</image:title><image:caption>Economic prosperity financial concept as a group of green trees shaped as growing finance pie chart as a metaphor for gradual gains in company stock or competitive wealth success.</image:caption></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/o-happy-old-people-facebook.jpg</image:loc><image:title>o-happy-old-people-facebook</image:title><image:caption>Happy retired couple embracing</image:caption></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/total-stock-market-chart.png</image:loc><image:title>Total stock market chart</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/morninstar-fees-turnover.png</image:loc><image:title>Morninstar fees turnover</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/chart_retirement_costs_002.png</image:loc><image:title>Chart_Retirement_Costs_002</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/dear-future-me_0.jpg</image:loc><image:title>dear future me_0</image:title></image:image><lastmod>2018-04-21T01:40:42+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/investing-in-retirement/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/02/blue-background-4.png</image:loc><image:title>blue-background-4</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/tumblr_inline_o54etx8f4w1t1d8nx_500.gif</image:loc><image:title>tumblr_inline_o54etx8f4w1t1d8nx_500</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/saupload_us_dollar_value_3-value-of-the-dollar.jpg</image:loc><image:title>saupload_US_dollar_Value_3-value-of-the-dollar</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/cartoon-moving-back-in-with-parents.jpg</image:loc><image:title>Cartoon-Moving-Back-in-with-Parents</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/diversifying-with-international-small-and-value-1972-2015.png</image:loc><image:title>Diversifying with International Small and Value 1972 2015</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/small-and-value.png</image:loc><image:title>Small and Value</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/2005-dol.png</image:loc><image:title>2005 DOL</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/swr-table.png</image:loc><image:title>SWR Table</image:title></image:image><lastmod>2018-04-21T01:39:54+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/wall-street/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/active-funds-failure.png</image:loc><image:title>active funds failure</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/outdoor-play.jpg</image:loc><image:title>Family playing football on beach</image:title><image:caption>Family playing football on beach</image:caption></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/wsua_cost_5-e1503344939845.png</image:loc><image:title>WSUA_cost_5</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/recognize-tricks-salesman-and-overcome-them-1280x600.jpg</image:loc><image:title>recognize-tricks-salesman-and-overcome-them.1280x600</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/inflation.png</image:loc><image:title>Inflation</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/stocks-bonds-line-chart.png</image:loc><image:title>Stocks-Bonds-Line-Chart</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/o-warren-buffett-facebook.jpg</image:loc><image:title>Exclusive Portraits Of Berkshire Hathaway Inc. Chief Executive Officer Warren Buffett</image:title><image:caption>Warren Buffett, chairman and chief executive officer of Berkshire Hathaway Inc., smiles during an interview in New York, U.S., on Tuesday, Oct. 22, 2013. Warren Buffett and his late first wife, Susan, gave and pledged billions to each of their three children to fund charitable foundations. Howard, an Illinois farmer, picked global hunger as his target. Photographer: Scott Eells/Bloomberg via Getty Images</image:caption></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/tossingcoin.png</image:loc><image:title>TossingCoin</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/list-7-failed-predictions-truman-50691683-e.jpeg</image:loc><image:title>list-7-failed-predictions-truman-50691683-E</image:title></image:image><lastmod>2018-04-21T01:37:33+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/class-19-exercises-landlords-and-entrepreneurs/</loc><lastmod>2018-04-21T00:51:19+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/class-16-exercises-investing-in-retirement/</loc><lastmod>2018-04-21T00:47:42+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/financial-freedom/</loc><lastmod>2018-04-16T16:16:05+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/speaking-engagements/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/04/dark-green-velvet.jpg</image:loc><image:title>Dark Green Velvet</image:title></image:image><lastmod>2018-04-11T15:01:11+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/work-with-lauren/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/04/purple-mahogany.jpg</image:loc><image:title>purple mahogany</image:title></image:image><lastmod>2018-04-11T15:01:00+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/investment-management/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/ewtm.jpg</image:loc><image:title>EWTM</image:title></image:image><lastmod>2018-04-11T15:00:41+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/ending-scarcity/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/02/rolling-hills.jpg</image:loc><image:title>rolling hills</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/clothes_donation_ehi-610x300.jpg</image:loc><image:title>Clothes_donation_EHI-610x300</image:title></image:image><lastmod>2018-03-07T16:59:50+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/will-power-and-temptation/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/02/brown-wallpaper-background.jpg</image:loc><image:title>brown-wallpaper-background</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/asian-couple-on-laptop-8-most-valuable-tips-from-a-renovation-contractor.jpeg</image:loc><image:title>asian-couple-on-laptop-8-Most-Valuable-Tips-from-a-Renovation-Contractor</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/pugs-playfully-biting.jpg</image:loc><image:title>Pugs playfully biting</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/checkbox_green.gif</image:loc><image:title>CheckBox_Green</image:title></image:image><lastmod>2018-03-07T16:57:02+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/ending-procrastination/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/02/celebration-of-light-vancouver-facebook.jpg</image:loc><image:title>Fireworks - Celebration of lights - Vancouver</image:title><image:caption>Since 1990, Vancouver has been home to the Celefration of Light (originally known as the Symphony of Fire). This internation pyro-musical firewoks competiton has attracted the world's leading fireworkds designers and is seen as a highly prestigious event. The fireworks festival creates an exciting arena where spectators can enjoy each country's representatives unveil their latest techniques and use the most innovative fireworks materials as they compete to be crowned the winner.&#13;No model or/and property releases&#13;July/August 2009&#13;Vancouver - British Columbia - Canada</image:caption></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/02/celebrate.jpg</image:loc><image:title>Celebrate</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/form-good-habits-i-believe-in-you.jpg</image:loc><image:title>Form good habits! I believe in you!</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/maybe-ill-beat-procrastination-tomorrow.jpg</image:loc><image:title>Maybe I'll beat procrastination tomorrow</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/012c200.gif</image:loc><image:title>012.gif~c200</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/3590e0d11eef1de82e81c3ffc6e50bac.gif</image:loc><image:title>3590e0d11eef1de82e81c3ffc6e50bac</image:title></image:image><lastmod>2018-03-07T16:54:15+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/predicting-happiness-is-hard/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/02/brilliant-orange-sunset-clouds.jpg</image:loc><image:title>brilliant-orange-sunset-clouds</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/freelunch.jpg</image:loc><image:title>FreeLunch</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/stevejobs.jpg</image:loc><image:title>stevejobs</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/how_people_and_640_33.jpg</image:loc><image:title>how_people_and_640_33</image:title></image:image><lastmod>2018-03-07T16:49:10+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/self-sabotage/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/02/fiery-orange-optical-illusion.jpg</image:loc><image:title>fiery orange optical illusion</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/envy.jpg</image:loc><image:title>Envy</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/no-sense-in-responding-now.jpg</image:loc><image:title>No sense in responding now</image:title></image:image><lastmod>2018-03-07T16:43:13+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/money-and-emotions/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/dr-spock-live-long-and-prosper-1.jpg</image:loc><image:title>Dr Spock Live Long and Prosper 1</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/exercise-extra-fries.jpg</image:loc><image:title>Exercise extra fries</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/emotions-give-you-focus.jpg</image:loc><image:title>Emotions give you focus</image:title></image:image><lastmod>2018-03-07T16:40:53+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/money-and-your-deep-values/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/02/green-paint.jpg</image:loc><image:title>green paint</image:title></image:image><lastmod>2018-03-07T16:39:04+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/freedom-from-financial-stress/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/02/drops-of-water.jpg</image:loc><image:title>Drops of water</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/rent-is-even-higher.jpg</image:loc><image:title>rent is even higher</image:title></image:image><lastmod>2018-03-07T16:37:40+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/your-budget-now/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/02/brown-background-wallpaper-6.jpg</image:loc><image:title>brown-background-wallpaper-6</image:title></image:image><lastmod>2018-03-07T16:34:53+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/what-are-you-really-trying-to-buy/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/02/brown-background.jpg</image:loc><image:title>brown background</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/02/1-closet-before-3.jpg</image:loc><image:title>1-Closet-before-3</image:title></image:image><lastmod>2018-03-07T16:33:50+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/happiness/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/02/heart.jpg</image:loc><image:title>heart</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/01/the-thrill-is-gone.jpg</image:loc><image:title>The Thrill is Gone</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/01/two-dogs.jpg</image:loc><image:title>Two Dogs</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/01/totally-overrated.jpg</image:loc><image:title>totally 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Pug</image:title></image:image><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2017/01/doug-and-donut-e1505266557110.jpg</image:loc><image:title>Doug and donut.</image:title></image:image><lastmod>2018-03-07T16:32:25+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://spendsmartliverich.com/where-does-my-money-go/</loc><image:image><image:loc>https://spendsmartliverich.com/wp-content/uploads/2018/02/beautiful-background.png</image:loc><image:title>beautiful 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