{"id":1087,"date":"2025-06-22T12:31:31","date_gmt":"2025-06-22T12:31:31","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1087"},"modified":"2025-06-17T12:41:18","modified_gmt":"2025-06-17T12:41:18","slug":"managing-family-responsibility-and-security-at-21","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/managing-family-responsibility-and-security-at-21\/","title":{"rendered":"Managing Family Responsibility and Security at 21"},"content":{"rendered":"\n<p>At 21, many of us feel caught between youth and full adulthood. You\u2019re finishing college or starting your first job\u2014yet you may already shoulder family responsibilities: helping with household bills, caring for younger siblings or elderly relatives, and contributing to family security. Balancing these roles while building your own future can feel overwhelming. This guide shows you how to manage finances, career planning, insurance, legal responsibilities, mental health, and support networks in simple, human terms\u2014backed by today\u2019s realities.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Facing Modern Reality: Gen Z\u2019s Unique Challenges<\/strong><\/h2>\n\n\n\n<p><strong>Entering a tough job market<\/strong><strong><br><\/strong> Despite strong resumes and internships, nearly <strong>41.2% of 20\u2011somethings<\/strong> hold jobs beneath their qualifications, due to hiring freezes and automation. Gen Z graduates find <strong>underemployment<\/strong> rates high, forcing many into side gigs or family support roles soon after college.<\/p>\n\n\n\n<p><strong>Redefining work and balance<\/strong><strong><br><\/strong> Unlike past generations, many young adults now prize flexibility over long hours. They juggle multiple gigs, prioritize health, and value purpose as much as pay. This shift lets you support family needs\u2014like looking after a younger sibling\u2019s schooling\u2014without burning out.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Financial Foundations: Budgeting and Saving<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.1 Early Budgeting Habits<\/strong><\/h3>\n\n\n\n<p>Start with a <strong>family\u2011inclusive budget<\/strong>: list all household income (your salary, parental contributions, any benefits) and essential expenses (rent, utilities, groceries, school fees). Then allocate:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Category<\/strong><\/td><td><strong>% of Total Income<\/strong><\/td><td><strong>Notes<\/strong><\/td><\/tr><tr><td>Essentials<\/td><td>50\u201360%<\/td><td>Housing, food, transport, family bills<\/td><\/tr><tr><td>Savings &amp; Debt<\/td><td>20\u201330%<\/td><td>Emergency fund, any personal debts<\/td><\/tr><tr><td>Flex\/Family Support<\/td><td>10\u201315%<\/td><td>Gifts, family emergencies<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Use a simple spreadsheet or free apps like Walnut (India) or Mint (U.S.) to track daily expenses .<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.2 Building an Emergency Fund<\/strong><\/h3>\n\n\n\n<p>Aim for <strong>3 months\u2019<\/strong>\u202fworth of essential family expenses\u2014an absolute life\u2011saver if a parent loses work or medical costs arise. Park this in a <strong>high\u2011yield savings account<\/strong> (3.5\u20134% APY in India; 4\u20135% APY in U.S.) .<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Career Planning: Building Your Path<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.1 Exploration Phase (Ages 21\u201325)<\/strong><\/h3>\n\n\n\n<p>At 21, you\u2019re in the <strong>Exploration<\/strong> career stage\u2014trying internships, part\u2011time work, volunteering to discover what fits you best. Don\u2019t stress if you\u2019re unsure: it\u2019s normal not to have a fixed career path yet .<\/p>\n\n\n\n<p><strong>Action Steps<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Shadow professionals in varied fields.<br><\/li>\n\n\n\n<li>Attend workshops or webinars.<br><\/li>\n\n\n\n<li>Network on LinkedIn with peers and mentors.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.2 Balancing Family Roles and Early Career<\/strong><\/h3>\n\n\n\n<p>If you help cover family costs, negotiate <strong>flexible work<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Remote and hybrid roles<\/strong> are becoming more common post\u2011pandemic.<br><\/li>\n\n\n\n<li><strong>Part\u2011time or project\u2011based work<\/strong> lets you contribute at home when needed.<br><\/li>\n<\/ul>\n\n\n\n<p>By blending flexibility with growth opportunities, you secure both the family\u2019s immediate needs and your long\u2011term career trajectory.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. Insurance: Safeguarding Your Family\u2019s Future<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.1 Term Life Insurance in Your 20s<\/strong><\/h3>\n\n\n\n<p>At 21, you\u2019re likely healthy, making <strong>term insurance<\/strong> extremely affordable\u2014around \u20b9459\/month for \u20b91\u202fCr cover in India or about $15\/month for a $500K policy in the U.S. Benefits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Protects dependents<\/strong> if you pass away unexpectedly.<br><\/li>\n\n\n\n<li><strong>Locks in low premiums<\/strong> for the duration.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.2 Health and Critical\u2011Illness Cover<\/strong><\/h3>\n\n\n\n<p>Family medical emergencies can drain savings. Consider:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Family floater health plans<\/strong> (\u20b95\u201310\u202flahkhs cover costs ~\u20b910,000\u2013\u20b920,000\/year in India).<br><\/li>\n\n\n\n<li><strong>Critical illness riders<\/strong> add \u20b92,000\u2013\u20b93,000 premiums for cancer\/heart attack cover.<br><\/li>\n<\/ul>\n\n\n\n<p>Insurance ensures one health crisis won\u2019t undo your budgeting or put loved ones at risk.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Legal and Financial Responsibilities<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.1 Power of Attorney and Guardianship<\/strong><\/h3>\n\n\n\n<p>If you manage bills or care for younger siblings, a <strong>limited power of attorney (POA)<\/strong> can authorize you to handle banking or property matters if parents are abroad or unwell. Consult a local attorney for a straightforward POA document\u2014often just \u20b92,000\u2013\u20b95,000 in India.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.2 Joint Accounts and Nominees<\/strong><\/h3>\n\n\n\n<p>Setting up joint bank accounts with parents or adding nominee details on investments (PPF, 401(k)\/PF) ensures seamless transfer of assets in emergencies. It also fosters transparency in family finances.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>6. Education and Training: Investing in You<\/strong><\/h2>\n\n\n\n<p>Your ability to support family and grow career hinges on skills:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Online courses<\/strong>: Platforms like Coursera or Udemy offer certificates in digital marketing, coding, finance\u2014often \u20b91,000\u2013\u20b93,000 per course.<br><\/li>\n\n\n\n<li><strong>Government upskilling<\/strong>: In India, PMKVY (Pradhan Mantri Kaushal Vikas Yojana) offers free vocational training in sectors like retail, IT, and healthcare .<br><\/li>\n\n\n\n<li><strong>Soft skills<\/strong>: Communication and time\u2011management workshops prepare you for leadership and caregiving roles alike.<br><\/li>\n<\/ul>\n\n\n\n<p>Continual learning boosts your resume and equips you to better manage both family needs and your own career.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>7. Mental Health and Emotional Support<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7.1 Caregiver Stress<\/strong><\/h3>\n\n\n\n<p>Caring for family members can take an emotional toll. Resources like <strong>Gambling Therapy<\/strong> (global) or <strong>NAMI<\/strong> (U.S.) offer free support for caregivers. In India, organizations like <strong>Sneha India<\/strong> provide helplines and counseling in regional languages.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7.2 Self\u2011Care Routines<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Schedule \u201cme time\u201d<\/strong>: Even 15\u202fminutes daily for meditation or a walk resets your stress levels.<br><\/li>\n\n\n\n<li><strong>Peer networks<\/strong>: Join single\u2011child adult or young caregiver forums online to share experiences and solutions.<br><\/li>\n<\/ul>\n\n\n\n<p>Taking care of your mental health empowers you to sustain long\u2011term family support.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>8. Building a Support Network<\/strong><\/h2>\n\n\n\n<p>No one should do it all alone. Cultivate help around you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Extended family<\/strong>: Grandparents or aunts\/uncles can pitch in with childcare or errands.<br><\/li>\n\n\n\n<li><strong>Community groups<\/strong>: Local clubs or religious organizations often have volunteer programs for mutual aid.<br><\/li>\n\n\n\n<li><strong>Professional services<\/strong>: When finances allow, part\u2011time housekeeping or tutoring services ease daily burdens.<br><\/li>\n<\/ul>\n\n\n\n<p>A strong network lightens the load, letting you focus on high\u2011impact tasks\u2014study, work, or specialized care.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>9. Technology As Your Ally<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>9.1 Financial Tools<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Expense trackers<\/strong>: Apps like Walnut (India) or YNAB help categorize and visualize spending.<br><\/li>\n\n\n\n<li><strong>Automated transfers<\/strong>: Have fixed amounts moved to savings or bills automatically on payday.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>9.2 Caregiving Apps<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Medisafe<\/strong> (global): Reminds you of family medications and appointments.<br><\/li>\n\n\n\n<li><strong>Kivy Health<\/strong>: Securely shares vital health info among family members and caregivers.<br><\/li>\n<\/ul>\n\n\n\n<p>Tech shrinks administrative workload and frees you for what matters most\u2014quality time with family and focused work.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>10. Long\u2011Term Planning: Setting Goals<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>10.1 Financial Milestones<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Emergency fund<\/strong>: 3\u20136 months of essentials within 12 months.<br><\/li>\n\n\n\n<li><strong>Debt\u2011free<\/strong>: Aim to clear personal debts (student loans, credit cards) in 3\u20135 years.<br><\/li>\n\n\n\n<li><strong>Investment start<\/strong>: SIPs of \u20b91,000\/month (or $50) compounding at 12% grow to over \u20b910\u202flakhs in 15 years .<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>10.2 Career Milestones<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Skill certifications<\/strong>: One new certificate every year.<br><\/li>\n\n\n\n<li><strong>Promotion targets<\/strong>: Map out performance goals with your manager for annual reviews.<br><\/li>\n\n\n\n<li><strong>Side\u2011income<\/strong>: Build a \u20b910,000\u2013\u20b915,000\/month freelance or gig pipeline within 6 months.<br><\/li>\n<\/ul>\n\n\n\n<p>Clear goals keep you motivated, measure progress, and ensure you\u2019re building both family security and personal wealth.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion: You\u2019re Not Alone\u2014and You\u2019re Not Behind<\/strong><\/h2>\n\n\n\n<p>Managing family responsibilities and your own security at 21 is challenging\u2014but possible. By:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Facing realities<\/strong> in today\u2019s job market and Gen Z trends<br><\/li>\n\n\n\n<li><strong>Laying financial foundations<\/strong> with budgets, emergency funds, and savings<br><\/li>\n\n\n\n<li><strong>Planning your career<\/strong> through exploration, networking, and flexible work<br><\/li>\n\n\n\n<li><strong>Securing insurance<\/strong> early for life and health<br><\/li>\n\n\n\n<li><strong>Handling legal matters<\/strong> like POAs and nominees<br><\/li>\n\n\n\n<li><strong>Investing in skills<\/strong> and self\u2011care<br><\/li>\n\n\n\n<li><strong>Building support networks<\/strong> and leveraging technology<br><\/li>\n\n\n\n<li><strong>Setting milestones<\/strong> for both family and personal goals<br><\/li>\n<\/ol>\n\n\n\n<p>\u2026you create a resilient framework that balances today\u2019s responsibilities with tomorrow\u2019s security. Take one step this week\u2014draft your budget, research term insurance, or set up a SIP\u2014and build momentum. Your family\u2019s well\u2011being and your own future depend on the small choices you make now.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>At 21, many of us feel caught between youth and full adulthood. You\u2019re finishing college or starting your first job\u2014yet you may already shoulder family responsibilities: helping with household bills, caring for younger siblings or elderly relatives, and contributing to family security. Balancing these roles while building your own future can feel overwhelming. This guide shows you how to manage finances, career planning, insurance, legal responsibilities, mental health, and support networks in simple, human terms\u2014backed by today\u2019s realities. 1. Facing Modern Reality: Gen Z\u2019s Unique Challenges Entering a tough job market Despite strong resumes and internships, nearly 41.2% of 20\u2011somethings hold jobs beneath their qualifications, due to hiring freezes and automation. Gen Z graduates find underemployment rates high, forcing many into side gigs or family support roles soon after college. Redefining work and balance Unlike past generations, many young adults now prize flexibility over long hours. They juggle multiple gigs, prioritize health, and value purpose as much as pay. This shift lets you support family needs\u2014like looking after a younger sibling\u2019s schooling\u2014without burning out. 2. Financial Foundations: Budgeting and Saving 2.1 Early Budgeting Habits Start with a family\u2011inclusive budget: list all household income (your salary, parental contributions, any benefits) and essential expenses (rent, utilities, groceries, school fees). Then allocate: Category % of Total Income Notes Essentials 50\u201360% Housing, food, transport, family bills Savings &amp; Debt 20\u201330% Emergency fund, any personal debts Flex\/Family Support 10\u201315% Gifts, family emergencies Use a simple spreadsheet or free apps like Walnut (India) or Mint (U.S.) to track daily expenses . 2.2 Building an Emergency Fund Aim for 3 months\u2019\u202fworth of essential family expenses\u2014an absolute life\u2011saver if a parent loses work or medical costs arise. Park this in a high\u2011yield savings account (3.5\u20134% APY in India; 4\u20135% APY in U.S.) . 3. Career Planning: Building Your Path 3.1 Exploration Phase (Ages 21\u201325) At 21, you\u2019re in the Exploration career stage\u2014trying internships, part\u2011time work, volunteering to discover what fits you best. Don\u2019t stress if you\u2019re unsure: it\u2019s normal not to have a fixed career path yet . Action Steps: 3.2 Balancing Family Roles and Early Career If you help cover family costs, negotiate flexible work: By blending flexibility with growth opportunities, you secure both the family\u2019s immediate needs and your long\u2011term career trajectory. 4. Insurance: Safeguarding Your Family\u2019s Future 4.1 Term Life Insurance in Your 20s At 21, you\u2019re likely healthy, making term insurance extremely affordable\u2014around \u20b9459\/month for \u20b91\u202fCr cover in India or about $15\/month for a $500K policy in the U.S. Benefits: 4.2 Health and Critical\u2011Illness Cover Family medical emergencies can drain savings. Consider: Insurance ensures one health crisis won\u2019t undo your budgeting or put loved ones at risk. 5. Legal and Financial Responsibilities 5.1 Power of Attorney and Guardianship If you manage bills or care for younger siblings, a limited power of attorney (POA) can authorize you to handle banking or property matters if parents are abroad or unwell. Consult a local attorney for a straightforward POA document\u2014often just \u20b92,000\u2013\u20b95,000 in India. 5.2 Joint Accounts and Nominees Setting up joint bank accounts with parents or adding nominee details on investments (PPF, 401(k)\/PF) ensures seamless transfer of assets in emergencies. It also fosters transparency in family finances. 6. Education and Training: Investing in You Your ability to support family and grow career hinges on skills: Continual learning boosts your resume and equips you to better manage both family needs and your own career. 7. Mental Health and Emotional Support 7.1 Caregiver Stress Caring for family members can take an emotional toll. Resources like Gambling Therapy (global) or NAMI (U.S.) offer free support for caregivers. In India, organizations like Sneha India provide helplines and counseling in regional languages. 7.2 Self\u2011Care Routines Taking care of your mental health empowers you to sustain long\u2011term family support. 8. Building a Support Network No one should do it all alone. Cultivate help around you: A strong network lightens the load, letting you focus on high\u2011impact tasks\u2014study, work, or specialized care. 9. Technology As Your Ally 9.1 Financial Tools 9.2 Caregiving Apps Tech shrinks administrative workload and frees you for what matters most\u2014quality time with family and focused work. 10. Long\u2011Term Planning: Setting Goals 10.1 Financial Milestones 10.2 Career Milestones Clear goals keep you motivated, measure progress, and ensure you\u2019re building both family security and personal wealth. Conclusion: You\u2019re Not Alone\u2014and You\u2019re Not Behind Managing family responsibilities and your own security at 21 is challenging\u2014but possible. By: \u2026you create a resilient framework that balances today\u2019s responsibilities with tomorrow\u2019s security. Take one step this week\u2014draft your budget, research term insurance, or set up a SIP\u2014and build momentum. Your family\u2019s well\u2011being and your own future depend on the small choices you make now. Source : thepumumedia.com<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[15],"tags":[],"class_list":["post-1087","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1087","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/comments?post=1087"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1087\/revisions"}],"predecessor-version":[{"id":1097,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1087\/revisions\/1097"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1087"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1087"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1087"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}