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    <lastmod>2026-06-16</lastmod>
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      <image:title>blog - does values-aligned investing cost you returns? - Pursue life with your values at all costs.</image:title>
      <image:caption>Strain is not limited to machinery. A consistent push against one’s internal value system burdens the heart with weight. This weight is tangible—you may feel it manifest as something feeling off.</image:caption>
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      <image:title>blog - does values-aligned investing cost you returns?</image:title>
      <image:caption>You can do good or you can do well—that’s what most people think when they hear about values-aligned investing (aka: ESG investing, impact investing, and socially responsible investing). To be fair, loud voices in high places have spoken against ESG. Former BlackRock (the world's largest asset manager) Chief Investment Officer for Sustainable Investing, Tariq Fancy, likened sustainable investing to a “dangerous placebo that harms the public interest.” Elon Musk has called ESG “the devil” (notably, after Tesla was removed from the S&amp;P 500 ESG Index). Vivek Ramaswamy, 2024 presidential candidate, went as far as creating “anti-ESG” funds like DRLL where over 40% of the fund is in Exxon and Chevron.  The general assumption: ESG is not worth it—from a performance or technical point of view. Fortunately, this short-hand assumption made by [disgruntled] folk isn’t exactly right. Unfortunately, it also isn’t black-and-white. The reality lives in the grey areas.</image:caption>
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      <image:title>blog - does values-aligned investing cost you returns?</image:title>
      <image:caption>But (as I said, there’s always a but)...</image:caption>
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    <loc>https://www.justadvising.com/blog/a-checking-account-is-probably-your-largest-source-of-co2-emissions</loc>
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    <lastmod>2026-06-13</lastmod>
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      <image:title>blog - a checking account is (probably) your largest source of CO2 emissions - A choice made for you is not a choice made with you.</image:title>
      <image:caption>A woman stood at the corner of a busy street—waiting to cross. While cars continued through the intersection, the “walk” sign appeared. The choice to walk even with cars incoming—is it decided by her or the sign?</image:caption>
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    <loc>https://www.justadvising.com/blog/how-to-financially-prepare-for-a-baby-a-10-step-checklist-h7ke2</loc>
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    <lastmod>2026-05-19</lastmod>
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      <image:title>blog - how to financially prepare for a baby: a 10-step checklist - Up appears most daunting from below.</image:title>
      <image:caption>There lived a person who did not know the mechanics of stepping up. His journey halted at an incline. Once given direction—balance, lift, forward, down—his path ahead no longer daunting.</image:caption>
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    <lastmod>2026-06-02</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/68cc4f83fe12e7482942ac42/a4d24806-415a-4291-95aa-8416b29899d0/5-12-26+TEITR.png</image:loc>
      <image:title>blog - three ways to invest in ESG - How is the summit of realization.</image:title>
      <image:caption>A hatchling will realize death or life as a consequence of its ability to fly. In between its nest and Earth lives one resolution: how.</image:caption>
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      <image:title>blog - three ways to invest in ESG - Make it stand out</image:title>
      <image:caption>Brief pros and cons list of using a financial planner, robo-advisor, or doing it yourself for ESG Investing.</image:caption>
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    <lastmod>2026-05-19</lastmod>
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      <image:title>blog - what are the ESG investing strategies? - The end is always denoted by the beginning.</image:title>
      <image:caption>A blacksmith does not hammer wet-hot iron without the end in mind. Each thrust of a hammer is strategically designed to push metal in or out to a desired shape. If a shape is not yet decided upon, each swing holds devastating potential.</image:caption>
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      <image:title>blog - what are the ESG investing strategies? - Make it stand out</image:title>
      <image:caption>The ESG investing strategies on a spectrum of prioritizing financial return and prioritizing ESG values.</image:caption>
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      <image:title>blog - ESG, SRI, and Impact Investing: is there a difference? - Why is the prerequisite to which.</image:title>
      <image:caption>Options overload the mind’s synapses. Without a filter, the clear path ahead is dammed with a blunt paralysis. The filter is your why.</image:caption>
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      <image:title>blog - ESG, SRI, and Impact Investing: is there a difference? - Make it stand out</image:title>
      <image:caption>Environmental, Social, and Governance issues defined with examples.</image:caption>
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      <image:title>blog - what does ESG mean? - Your why outweighs your money.</image:title>
      <image:caption>Alignment is futile in the absence of balance between money and reason. Isolated from reason—your why—money will grow out of sync and hold less weight. Why you contribute to things has always held more value than what you contribute to.</image:caption>
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      <image:title>blog - when did ESG investing begin? - The intersection of values and investments is alignment.</image:title>
      <image:caption>A Venn diagram showing the intersection of values and investments: alignment.</image:caption>
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