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		<title>Thomas F. Scanlon, CFP®, CPA</title>
		<link><![CDATA[https://tom-scanlon.com]]></link>
		<description><![CDATA[Thomas F. Scanlon, CFP®, CPA]]></description>
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			<guid><![CDATA[https://tom-scanlon.com/7-easy-things-learned-from-the-roaring-twenties-2-0/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/7-easy-things-learned-from-the-roaring-twenties-2-0/]]></link>
			<title>7 Easy Things Learned from The Roaring Twenties 2.0</title>
			<pubDate><![CDATA[Wed, 25 Feb 2026 19:15:10 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://tom-scanlon.com/why-getting-old-is-the-new-normal/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/why-getting-old-is-the-new-normal/]]></link>
			<title>Why Getting Old is the New Normal</title>
			<pubDate><![CDATA[Wed, 25 Feb 2026 14:28:09 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/3-practical-things-to-do-with-your-tax-refund/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/3-practical-things-to-do-with-your-tax-refund/]]></link>
			<title>3 Practical Things to Do with Your Tax Refund</title>
			<pubDate><![CDATA[Wed, 04 Mar 2026 14:19:29 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/im-debt-free/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/im-debt-free/]]></link>
			<title>Don&#8217;t Look Now, But Someone Just Told Me &#8220;I &#8216;m Debt-Free!&#8221;</title>
			<pubDate><![CDATA[Tue, 31 Mar 2026 14:25:37 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/3-easy-ways-to-live-beneath-your-means/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/3-easy-ways-to-live-beneath-your-means/]]></link>
			<title>3 Easy Ways to Live Beneath Your Means</title>
			<pubDate><![CDATA[Tue, 24 Mar 2026 19:38:46 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://tom-scanlon.com/goodbye-to-the-joneses-3-practical-steps-to-arrive-financially/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/goodbye-to-the-joneses-3-practical-steps-to-arrive-financially/]]></link>
			<title>Goodbye to the  Joneses. 3 Practical Steps to Arrive Financially.</title>
			<pubDate><![CDATA[Tue, 24 Feb 2026 17:32:43 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://tom-scanlon.com/7-practical-steps-to-file-your-2025-tax-return/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/7-practical-steps-to-file-your-2025-tax-return/]]></link>
			<title>7 Practical Steps to File Your 2025 Tax Return</title>
			<pubDate><![CDATA[Tue, 24 Feb 2026 16:51:01 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://tom-scanlon.com/what-you-need-to-know-to-understand-the-math-of-the-stock-market-now/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/what-you-need-to-know-to-understand-the-math-of-the-stock-market-now/]]></link>
			<title>What You Need to Know to Understand the Math of the Stock Market Now</title>
			<pubDate><![CDATA[Tue, 24 Feb 2026 15:45:39 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/3-easy-reasons-to-open-a-roth-ira/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/3-easy-reasons-to-open-a-roth-ira/]]></link>
			<title>3 Easy Reasons to Open a Roth IRA</title>
			<pubDate><![CDATA[Tue, 24 Feb 2026 15:44:33 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/practical-steps-and-benefits-of-a-cash-reserve-fund/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/practical-steps-and-benefits-of-a-cash-reserve-fund/]]></link>
			<title>Practical Steps and Benefits of a Cash Reserve Fund</title>
			<pubDate><![CDATA[Tue, 17 Mar 2026 13:39:12 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/before-investing-know-the-rules-of-the-road/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/before-investing-know-the-rules-of-the-road/]]></link>
			<title>Before Investing, Know The Rules of the Road</title>
			<pubDate><![CDATA[Tue, 10 Mar 2026 11:51:39 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://tom-scanlon.com/practical-financial-moves-for-the-second-half-of-the-year/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/practical-financial-moves-for-the-second-half-of-the-year/]]></link>
			<title>Practical Financial Moves for the Second Half of the Year</title>
			<pubDate><![CDATA[Mon, 30 Mar 2026 18:34:40 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/creative-destruction/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/creative-destruction/]]></link>
			<title>Why Creative Destruction Can Be a Good Thing</title>
			<pubDate><![CDATA[Mon, 02 Mar 2026 22:18:30 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/practical-steps-to-fund-a-backdoor-roth-ira-conversion/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/practical-steps-to-fund-a-backdoor-roth-ira-conversion/]]></link>
			<title>Practical Steps to Fund a Backdoor Roth IRA Conversion</title>
			<pubDate><![CDATA[Tue, 24 Feb 2026 15:43:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/average-joes-2/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/average-joes-2/]]></link>
			<title>3 Financial Planning Lessons all of the Average Joe&#8217;s Will Love</title>
			<pubDate><![CDATA[Tue, 24 Feb 2026 15:21:43 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/3-practical-reasons-for-your-coming-social-security-haircut/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/3-practical-reasons-for-your-coming-social-security-haircut/]]></link>
			<title>3 Practical Reasons for Your Coming Social Security Haircut</title>
			<pubDate><![CDATA[Tue, 17 Feb 2026 19:10:54 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/]]></link>
			<title>Home</title>
			<pubDate><![CDATA[Tue, 06 Jan 2026 19:57:11 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://tom-scanlon.com/things-are-more-expensive-when-you-pay-for-them-yourself/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/things-are-more-expensive-when-you-pay-for-them-yourself/]]></link>
			<title>Things are More Expensive When You Pay For Them Yourself</title>
			<pubDate><![CDATA[Wed, 21 Jan 2026 20:50:50 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://tom-scanlon.com/website-accessibility/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/website-accessibility/]]></link>
			<title>Website Accessibility</title>
			<pubDate><![CDATA[Fri, 20 Feb 2026 17:54:14 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/diet-and-exercise/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/diet-and-exercise/]]></link>
			<title>Everyone Knows You Need to Diet and Exercise</title>
			<pubDate><![CDATA[Wed, 07 Jan 2026 16:55:50 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/5-reasons-to-fund-a-529-college-savings-plan/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/5-reasons-to-fund-a-529-college-savings-plan/]]></link>
			<title>5 Easy Reasons to Fund a 529 College Savings Plan</title>
			<pubDate><![CDATA[Tue, 17 Feb 2026 15:22:53 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/the-difference-between-a-roth-ira-and-an-ira/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/the-difference-between-a-roth-ira-and-an-ira/]]></link>
			<title>The Difference Between a Roth IRA and an IRA</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 19:10:25 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/make-your-checks-payable-to-the-smith-family-education-fund/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/make-your-checks-payable-to-the-smith-family-education-fund/]]></link>
			<title>Make Your Checks Payable to the Smith Family Education Fund&#8230;</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 19:07:40 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/a-bear-a-bear-a-bear/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/a-bear-a-bear-a-bear/]]></link>
			<title>&#8220;A Bear, A Bear, A Bear!&#8221;</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 19:03:30 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/4-easy-steps-to-stay-retired/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/4-easy-steps-to-stay-retired/]]></link>
			<title>4 Easy Steps to Stay Retired</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 18:51:12 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/the-difference-between-tax-deferred-and-tax-free-investing/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/the-difference-between-tax-deferred-and-tax-free-investing/]]></link>
			<title>The Difference Between Tax-Deferred and Tax-Free Investing</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 18:45:39 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/options-to-reduce-taxes-on-your-savings-interest/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/options-to-reduce-taxes-on-your-savings-interest/]]></link>
			<title>Options to Reduce Taxes on Your Savings Interest</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 18:42:51 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/3-great-reasons-to-fund-a-health-savings-account/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/3-great-reasons-to-fund-a-health-savings-account/]]></link>
			<title>3 Great Reasons to Fund a Health Savings Account</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 18:41:07 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/the-back-nine-practical-financial-steps-for-retirement/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/the-back-nine-practical-financial-steps-for-retirement/]]></link>
			<title>The Back Nine &#8211; Practical Financial Steps for Retirement</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 18:34:16 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/do-you-need-a-second-opinion-on-your-familys-financial-plan/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/do-you-need-a-second-opinion-on-your-familys-financial-plan/]]></link>
			<title>Do you need a ‘Second Opinion’ on your family’s financial plan?</title>
			<pubDate><![CDATA[Tue, 27 Jan 2026 17:16:23 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/no-mulligan-for-retirement-easy-ways-to-get-it-right-the-first-time/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/no-mulligan-for-retirement-easy-ways-to-get-it-right-the-first-time/]]></link>
			<title>No Mulligan for Retirement &#8211; Easy Ways to Get It Right the First Time</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 18:33:12 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/youre-gonna-need-a-bigger-boat/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/youre-gonna-need-a-bigger-boat/]]></link>
			<title>Practical Reasons Why &#8220;You&#8217;re Gonna Need a Bigger Boat.&#8221;</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 18:31:48 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/how-the-new-salt-deduction-can-save-you-taxes/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/how-the-new-salt-deduction-can-save-you-taxes/]]></link>
			<title>How the New SALT Deduction Can Save You Taxes</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 18:29:35 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/7-reasons-why-all-investors-over-age-70-12-should-consider-a-qualified-charitable-disbribuiton/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/7-reasons-why-all-investors-over-age-70-12-should-consider-a-qualified-charitable-disbribuiton/]]></link>
			<title>IRA Giving After Age 70 1/2 : How to Make a Qualified Charitable Distribution</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 18:24:03 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/ira-vs-roth-ira-what-you-need-to-know/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/ira-vs-roth-ira-what-you-need-to-know/]]></link>
			<title>IRA vs. Roth IRA. What You Need to Know</title>
			<pubDate><![CDATA[Fri, 13 Feb 2026 15:10:21 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/3-simple-reasons-you-need-to-fund-a-donor-advised-fund-in-2025/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/3-simple-reasons-you-need-to-fund-a-donor-advised-fund-in-2025/]]></link>
			<title>3 Simple Reasons You Need to Fund a Donor Advised Fund in 2025</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 18:21:47 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/practical-reasons-for-a-partial-annual-roth-ira-conversions/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/practical-reasons-for-a-partial-annual-roth-ira-conversions/]]></link>
			<title>Practical Reasons for a Partial, Annual Roth IRA Conversions</title>
			<pubDate><![CDATA[Sun, 04 Jan 2026 19:52:11 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/estate-planning-lessons-learned-from-my-moms-estate/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/estate-planning-lessons-learned-from-my-moms-estate/]]></link>
			<title>Estate Planning Lessons Learned From My Mom&#8217;s Estate</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 19:09:00 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/the-roaring-twenties-2-0/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/the-roaring-twenties-2-0/]]></link>
			<title>The Roaring Twenties 2.0</title>
			<pubDate><![CDATA[Sun, 04 Jan 2026 19:33:50 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/you-only-get-a-mulligan-in-golf/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/you-only-get-a-mulligan-in-golf/]]></link>
			<title>You Only Get a Mulligan in Golf</title>
			<pubDate><![CDATA[Sun, 04 Jan 2026 19:32:02 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/i-did-the-math/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/i-did-the-math/]]></link>
			<title>I Did the Math</title>
			<pubDate><![CDATA[Sun, 04 Jan 2026 19:30:04 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/spac-attack-whats-that/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/spac-attack-whats-that/]]></link>
			<title>SPAC ATTACK (What&#8217;s that?) Update</title>
			<pubDate><![CDATA[Sun, 04 Jan 2026 19:28:47 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/the-last-bidding-war-for-homes/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/the-last-bidding-war-for-homes/]]></link>
			<title>The Last Bidding War for Homes</title>
			<pubDate><![CDATA[Sun, 04 Jan 2026 19:27:23 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/cnbc-quotes-tom-about-maximizing-your-tax-bracket/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/cnbc-quotes-tom-about-maximizing-your-tax-bracket/]]></link>
			<title>CNBC Quotes Tom About Maximizing Your Tax Bracket</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 19:06:20 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/4-easy-steps-to-retirement/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/4-easy-steps-to-retirement/]]></link>
			<title>4 Easy Steps to Retirement</title>
			<pubDate><![CDATA[Sun, 04 Jan 2026 19:26:18 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/5-easy-steps-to-retirement-2/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/5-easy-steps-to-retirement-2/]]></link>
			<title>5 Easy Steps to Retirement</title>
			<pubDate><![CDATA[Sun, 04 Jan 2026 19:24:56 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/carrying-holiday-debt-may-be-troubling-these-days/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/carrying-holiday-debt-may-be-troubling-these-days/]]></link>
			<title>Carrying Holiday Debt May Be Troubling These Days.</title>
			<pubDate><![CDATA[Sun, 01 Feb 2026 19:04:54 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/winter-is-here/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/winter-is-here/]]></link>
			<title>Winter Is Here!</title>
			<pubDate><![CDATA[Sun, 04 Jan 2026 19:20:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://tom-scanlon.com/mad-max-was-wrong/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/mad-max-was-wrong/]]></link>
			<title>Mad Max Was Wrong</title>
			<pubDate><![CDATA[Sun, 04 Jan 2026 19:19:37 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://tom-scanlon.com/news/]]></guid>
			<link><![CDATA[https://tom-scanlon.com/news/]]></link>
			<title>Blog</title>
			<pubDate><![CDATA[Sat, 12 Jun 2021 19:15:06 +0000]]></pubDate>
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