<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1">
  <url>
    <loc>https://theykeepyoubroke.com/credit-score/</loc>
    <video:video>
      <video:thumbnail_loc>https://theykeepyoubroke.com/assets/episode-credit-score.webp</video:thumbnail_loc>
      <video:title><![CDATA[Your Credit Score Is Not Grading You. It Is Pricing You.]]></video:title>
      <video:description><![CDATA[A score that looks like a grade can change the price of housing, insurance, and borrowing.]]></video:description>
      <video:player_loc>https://www.youtube.com/embed/AwY5Hy4ourQ</video:player_loc>
      <video:publication_date>2026-08-28</video:publication_date>
      <video:uploader info="https://theykeepyoubroke.com/about/">They Keep You Broke</video:uploader>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://theykeepyoubroke.com/irs-answer-key/</loc>
    <video:video>
      <video:thumbnail_loc>https://theykeepyoubroke.com/assets/episode-irs.webp</video:thumbnail_loc>
      <video:title><![CDATA[The IRS Already Has Most of Your Numbers. Why Are You Retyping Them?]]></video:title>
      <video:description><![CDATA[Employers, banks, and brokers already send many figures to the IRS, yet the filer still carries the paperwork burden.]]></video:description>
      <video:player_loc>https://www.youtube.com/embed/k5jmCIritCU</video:player_loc>
      <video:publication_date>2026-08-28</video:publication_date>
      <video:uploader info="https://theykeepyoubroke.com/about/">They Keep You Broke</video:uploader>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://theykeepyoubroke.com/empty-apartments/</loc>
    <video:video>
      <video:thumbnail_loc>https://theykeepyoubroke.com/assets/episode-apartments.webp</video:thumbnail_loc>
      <video:title><![CDATA[Why They Keep Building Apartments You Cannot Afford]]></video:title>
      <video:description><![CDATA[The project is financed from the spreadsheet side, even when the result looks irrational from the renter side.]]></video:description>
      <video:player_loc>https://www.youtube.com/embed/XgYkyyRc8cA</video:player_loc>
      <video:publication_date>2026-08-28</video:publication_date>
      <video:uploader info="https://theykeepyoubroke.com/about/">They Keep You Broke</video:uploader>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://theykeepyoubroke.com/paycheck-store/</loc>
    <video:video>
      <video:thumbnail_loc>https://theykeepyoubroke.com/assets/episode-paycheck.jpg</video:thumbnail_loc>
      <video:title><![CDATA[Your Boss Put a Store Inside Your Paycheck]]></video:title>
      <video:description><![CDATA[A voluntary workplace purchase can look small when the price is divided across future paychecks.]]></video:description>
      <video:player_loc>https://www.youtube.com/embed/CLxQP3FHlgg</video:player_loc>
      <video:publication_date>2026-08-28</video:publication_date>
      <video:uploader info="https://theykeepyoubroke.com/about/">They Keep You Broke</video:uploader>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://theykeepyoubroke.com/personalized-pricing/</loc>
    <video:video>
      <video:thumbnail_loc>https://theykeepyoubroke.com/assets/episode-personalized-pricing.jpg</video:thumbnail_loc>
      <video:title><![CDATA[They Know What You’ll Pay. Now They Can Set Your Price.]]></video:title>
      <video:description><![CDATA[Personal data can help estimate what an individual consumer may be willing to pay, but not every changing price is proof of surveillance pricing.]]></video:description>
      <video:player_loc>https://www.youtube.com/embed/n_aLv7ywvww</video:player_loc>
      <video:publication_date>2026-08-28</video:publication_date>
      <video:uploader info="https://theykeepyoubroke.com/about/">They Keep You Broke</video:uploader>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://theykeepyoubroke.com/buy-rate/</loc>
    <video:video>
      <video:thumbnail_loc>https://theykeepyoubroke.com/assets/dealer-buy-rate-scene.webp</video:thumbnail_loc>
      <video:title><![CDATA[Bank Approved 6%. Your Car Loan Says 8%. Here Is Why]]></video:title>
      <video:description><![CDATA[The lender can approve one rate while the contract presents another, and the gap can become dealer compensation.]]></video:description>
      <video:player_loc>https://www.youtube.com/embed/ZTpwvKwcVnY</video:player_loc>
      <video:publication_date>2026-08-26T19:47:40-07:00</video:publication_date>
      <video:uploader info="https://theykeepyoubroke.com/about/">They Keep You Broke</video:uploader>
      <video:live>no</video:live>
    </video:video>
  </url>
</urlset>
