<?xml version="1.0" encoding="UTF-8"?>
<urlset
  xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
  xmlns:news="http://www.google.com/schemas/sitemap-news/0.9">
  <url>
    <loc>https://www.fedtools.com/blog/bah-bas-social-security-gap-military-2026</loc>
    <news:news>
      <news:publication>
        <news:name>FedTools</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-07-26T00:00:00.000Z</news:publication_date>
      <news:title>Tax-Free BAH Quietly Shrinks Your Social Security Check</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.fedtools.com/blog/federal-employee-speech-rights-self-check-2026</loc>
    <news:news>
      <news:publication>
        <news:name>FedTools</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-07-26T00:00:00.000Z</news:publication_date>
      <news:title>Can You Be Fired for That Post? A Fed&apos;s Speech Self-Check</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.fedtools.com/blog/fers-delayed-social-security-credits-62-to-70-2026</loc>
    <news:news>
      <news:publication>
        <news:name>FedTools</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-07-26T00:00:00.000Z</news:publication_date>
      <news:title>After the FERS Supplement Ends: Claim SS at 62, 67, or 70?</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.fedtools.com/blog/fers-survivor-election-cost-case-studies-2026</loc>
    <news:news>
      <news:publication>
        <news:name>FedTools</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-07-26T00:00:00.000Z</news:publication_date>
      <news:title>Skipping the FERS Survivor Benefit: The $440,000 Mistake</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.fedtools.com/blog/house-ndaa-hr8800-dod-civilians-2026</loc>
    <news:news>
      <news:publication>
        <news:name>FedTools</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-07-26T00:00:00.000Z</news:publication_date>
      <news:title>House NDAA Passes 216-212: What DOD Civilians Won and Lost</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.fedtools.com/blog/military-officer-roth-tax-window-2026</loc>
    <news:news>
      <news:publication>
        <news:name>FedTools</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-07-26T00:00:00.000Z</news:publication_date>
      <news:title>How an O-3 Making $142K Pays Under 3% Federal Tax</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.fedtools.com/blog/noaa-usphs-pension-shutdown-bill-2026</loc>
    <news:news>
      <news:publication>
        <news:name>FedTools</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-07-26T00:00:00.000Z</news:publication_date>
      <news:title>8,000 Uniformed Retirees&apos; Pensions Can Stop in a Shutdown</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.fedtools.com/blog/opm-suitability-rule-july-30-checklist-2026</loc>
    <news:news>
      <news:publication>
        <news:name>FedTools</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-07-26T00:00:00.000Z</news:publication_date>
      <news:title>OPM Suitability Rule Hits July 30: 3 Things to Fix First</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.fedtools.com/blog/ssa-advanced-leave-suspension-2026</loc>
    <news:news>
      <news:publication>
        <news:name>FedTools</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-07-26T00:00:00.000Z</news:publication_date>
      <news:title>SSA Suspends Advanced Leave: Is That Legal? Your 4 Options</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.fedtools.com/blog/usace-nyc-relocation-decision-guide-2026</loc>
    <news:news>
      <news:publication>
        <news:name>FedTools</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-07-26T00:00:00.000Z</news:publication_date>
      <news:title>USACE&apos;s NYC Move: 45% Say They&apos;ll Quit. Your 3 Options</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.fedtools.com/blog/opm-performance-appraisal-overhaul-fr-2026-03619</loc>
    <news:news>
      <news:publication>
        <news:name>FedTools</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-07-26T00:00:00.000Z</news:publication_date>
      <news:title>OPM&apos;s Forced Distribution Rule Is Final: 740K Feds Lose Top Ratings</news:title>
    </news:news>
  </url>
</urlset>