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<url><loc>https://inconvenientmath.com/about/</loc><lastmod>2026-11-10</lastmod></url>
<url><loc>https://inconvenientmath.com/disclosure/</loc><lastmod>2026-11-10</lastmod></url>
<url><loc>https://inconvenientmath.com/books/the-catch-in-your-wallet/</loc><lastmod>2026-11-10</lastmod></url>
<url><loc>https://inconvenientmath.com/episodes/credit-card-rewards/</loc><lastmod>2026-11-06</lastmod><video:video><video:thumbnail_loc>https://i.ytimg.com/vi/4IE4Y8CL9Uw/maxresdefault.jpg</video:thumbnail_loc><video:title>Credit Card Rewards Are Paid For By Poor People (mostly)</video:title><video:description>The person behind you in the checkout line is paying for your vacation. Federal Reserve economists put a number on it: about $149 a year from the average cash household, and about $1,133 a year to the average credit card household. It starts with a $2.40 fee you never see on the receipt. But the biggest payer isn&#x27;t who you&#x27;d expect.</video:description><video:player_loc>https://www.youtube-nocookie.com/embed/4IE4Y8CL9Uw</video:player_loc><video:publication_date>2026-11-06T11:52:41-05:00</video:publication_date></video:video></url>
<url><loc>https://inconvenientmath.com/episodes/airline-miles/</loc><lastmod>2026-11-10</lastmod><video:video><video:thumbnail_loc>https://i.ytimg.com/vi/GHlwTnwi3Z8/maxresdefault.jpg</video:thumbnail_loc><video:title>American Express Pays Delta More Than Delta&#x27;s Entire Profit</video:title><video:description>In 2025, American Express paid Delta $8.2 billion. Delta&#x27;s operating profit for the entire year was $5.8 billion. Both numbers are in the same annual report. Is your airline in the business of flying planes, or selling miles? This episode follows the money from the swipe fee to the mile.</video:description><video:player_loc>https://www.youtube-nocookie.com/embed/GHlwTnwi3Z8</video:player_loc><video:publication_date>2026-11-10T11:51:22-05:00</video:publication_date></video:video></url>
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