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<url><loc>https://fireinprogress.com/2026/08/11/twenty-years-of-data-was-wrong-the-one-time-it-mattered-a-half-fixed-half-variable-mortgage-story/</loc><news:news><news:publication><news:name>Fire in Progress</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-08-11T08:08:09+00:00</news:publication_date><news:title>Miss FIRE&#8217;s Biggest Mortgage Mistake</news:title><news:keywords>FIRE, Financial Independence, Financial Freedom, FIRE in Europe, mortgage strategy, Fire in progress, variable vs fixed mortgage, half fixed half variable mortgage, mortgage mistake, interest rates, housing finance, home loan strategy, mortgage planning, personal finance mistakes, financial lessons learned, debt strategy, mortgage interest rates Europe, expat mortgage Netherlands, home ownership journey, risk management finance, fixed vs variable rates, money mistakes, financial decisions, real estate finance, learning from mistakes</news:keywords></news:news><image:image><image:loc>https://fireinprogress.com/wp-content/uploads/2026/08/house-mortgage-3.jpg?w=150</image:loc></image:image></url></urlset>
