<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Strona główna -->
  <url>
    <loc>https://marcinjaszcz.pl/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Indeks bloga -->
  <url>
    <loc>https://marcinjaszcz.pl/blog/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Strony produktowe / kalkulatory -->
  <url>
    <loc>https://marcinjaszcz.pl/ubezpieczenie-kredytu</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://marcinjaszcz.pl/tarcza-podatkowa</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Artykuły eksperckie -->
  <url>
    <loc>https://marcinjaszcz.pl/blog/blog_tarcza_podatkowa</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://marcinjaszcz.pl/blog/polisa-bankowa</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://marcinjaszcz.pl/blog/sukcesja-spolki-zoo</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://marcinjaszcz.pl/blog/koszt-przestoju-b2b</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://marcinjaszcz.pl/blog/kredyt-hipoteczny-programista-b2b</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://marcinjaszcz.pl/blog/reklasyfikacja-b2b-pip-2026</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://marcinjaszcz.pl/blog/zus-dlugi-sukcesja-jdg</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://marcinjaszcz.pl/blog/ile-kosztuje-polisa-rodzina-2plus1</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://marcinjaszcz.pl/blog/pojedynczy-punkt-awarii-jdg</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://marcinjaszcz.pl/blog/leasing-a-choroba-b2b</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://marcinjaszcz.pl/blog/pulapka-seniora-b2b</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://marcinjaszcz.pl/blog/dbamy-bez-granic-leczenie-za-granica</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Dziennik Stratega — Case Studies -->
  <url>
    <loc>https://marcinjaszcz.pl/blog/dziennik-stratega-042</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Kredyt Hipoteczny — cesja polisy -->
  <url>
    <loc>https://marcinjaszcz.pl/blog/polisa-pod-kredyt-w-30-minut</loc>
    <lastmod>2026-03-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Pillar Page B2B — ubezpieczenie od utraty dochodu -->
  <url>
    <loc>https://marcinjaszcz.pl/blog/ubezpieczenie-utraty-dochodu-b2b</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ZUS L4 Programista B2B -->
  <url>
    <loc>https://marcinjaszcz.pl/blog/zus-l4-programista-b2b</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Pillar Page: Utrata dochodu IT/B2B -->
  <url>
    <loc>https://marcinjaszcz.pl/blog/utrata-dochodu-it-b2b</loc>
    <lastmod>2026-04-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
</urlset>
