<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"><url><loc>https://smartasset.com/retirement/13-million-saved-collect-2800-month-social-security-can-i-retire-62</loc><lastmod>2026-07-11T17:13:03+00:00</lastmod><news:news><news:publication><news:name>SmartAsset</news:name><news:language>en</news:language></news:publication><news:publication_date>2025-01-17T14:51:15+00:00</news:publication_date><news:title>I Have $1.3 Million Saved and Will Collect $2,800 per Month in Social Security. Can I Retire at 62?</news:title></news:news></url></urlset>