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    <loc>https://www.strategafinance.com.au/</loc>
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      <image:title>Dion Fernandes . Finance Strategist, Stratega Finance</image:title>
      <image:caption>Award-winning finance strategy for serious property portfolio builders</image:caption>
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      <image:title>Dion Fernandes . About</image:title>
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    <lastmod>2026-07-05</lastmod>
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  <!-- ════ PODCAST EPISODE NOTES ════ -->

  <url><loc>https://www.strategafinance.com.au/podcast/episode-102-buying-property-in-a-fearful-market</loc><lastmod>2026-07-26</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-101-negative-gearing-cgt-changes</loc><lastmod>2026-07-16</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-100-why-i-launched-stratega-finance</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-99-property-investment-strategy-lessons</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-98-rooming-house-management</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-97-borrowing-capacity-misleading</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-96-first-property-foundation</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-95-buying-property-with-a-friend</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-94-investors-stuck-at-two-properties</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-93-property-and-finance-strategy-together</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-92-property-mistakes-costing-investors</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-91-strategy-cost-vs-consequence</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-90-strategy-before-property</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-89-free-advice-one-stop-shop</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-88-investors-building-on-sand</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-87-smart-property-investing-case-study</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-86-start-with-strategy-not-property</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-85-buying-a-development-site</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-84-finance-strategy-before-buying</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-81-generational-wealth-estate-planning</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-80-personal-portfolio-breakdown</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.strategafinance.com.au/podcast/episode-79-offset-accounts-explained</loc><lastmod>2026-07-11</lastmod><changefreq>yearly</changefreq><priority>0.7</priority></url>

  <!-- ════ BLOG ARTICLES ════ -->

  <url><loc>https://www.strategafinance.com.au/blog/mortgage-broker-vs-finance-strategist</loc><lastmod>2026-07-08</lastmod><changefreq>yearly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.strategafinance.com.au/blog/why-investors-stall-after-property-two</loc><lastmod>2026-07-08</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.strategafinance.com.au/blog/cross-securing-capacity-killer</loc><lastmod>2026-07-08</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.strategafinance.com.au/blog/the-sequencing-strategy</loc><lastmod>2026-07-08</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.strategafinance.com.au/blog/self-employed-lending-strategy</loc><lastmod>2026-07-08</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.strategafinance.com.au/blog/rooming-houses-portfolio-asset</loc><lastmod>2026-07-08</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.strategafinance.com.au/blog/debt-recycling-bad-to-good-debt</loc><lastmod>2026-07-08</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.strategafinance.com.au/blog/smsf-property-lending</loc><lastmod>2026-07-08</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.strategafinance.com.au/blog/equity-mapping-what-you-can-access</loc><lastmod>2026-07-10</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.strategafinance.com.au/blog/trust-vs-personal-name-property</loc><lastmod>2026-07-08</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.strategafinance.com.au/blog/development-finance-land-build-exit</loc><lastmod>2026-07-08</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.strategafinance.com.au/blog/payg-vs-self-employed-serviceability</loc><lastmod>2026-07-08</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.strategafinance.com.au/blog/manufactured-equity-dual-occupancy</loc><lastmod>2026-07-08</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>
  <url><loc>https://www.strategafinance.com.au/blog/four-pillars-portfolio-blueprint</loc><lastmod>2026-07-08</lastmod><changefreq>yearly</changefreq><priority>0.75</priority></url>

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