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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>
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