{"id":1089,"date":"2025-06-22T12:31:34","date_gmt":"2025-06-22T12:31:34","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1089"},"modified":"2025-06-17T12:41:24","modified_gmt":"2025-06-17T12:41:24","slug":"why-is-the-middle-class-suffering-strategies-to-change-it","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/why-is-the-middle-class-suffering-strategies-to-change-it\/","title":{"rendered":"Why Is the Middle Class Suffering? Strategies to Change It"},"content":{"rendered":"\n<p>Across India\u2014and indeed much of the world\u2014the middle class is feeling the squeeze like never before. Once seen as the engine of growth and stability, today\u2019s middle\u2011income families grapple with stagnant wages, soaring living costs, and mounting debt. Recent data show that household savings in India have fallen to just <strong>18.1% of GDP<\/strong>, while reliance on credit has surged to fill gaps in everyday expenses . Simultaneously, EMIs and inflation are eating into disposable incomes, leaving many without a safety net.<\/p>\n\n\n\n<p>In this blog, we\u2019ll explore <strong>why the middle class is suffering<\/strong>, examine the root causes, and outline <strong>strategies<\/strong> that individuals, communities, and policymakers can adopt to turn the tide. You don\u2019t need a finance degree to follow along\u2014just a desire to make informed choices and demand smarter policies.<\/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. Who Counts as \u201cMiddle Class\u201d?<\/strong><\/h2>\n\n\n\n<p>Before diving into the problems, let\u2019s define our terms:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Income Bracket:<\/strong> In India, the middle class typically earns between \u20b93\u202flakh and \u20b915\u202flakh per year.<br><\/li>\n\n\n\n<li><strong>Consumption Patterns:<\/strong> Middle\u2011income families maintain a modest lifestyle\u2014owning a home, funding education, and planning for retirement.<br><\/li>\n\n\n\n<li><strong>Economic Role:<\/strong> They drive consumer demand, entrepreneurship, and social mobility.<br><\/li>\n<\/ul>\n\n\n\n<p>Understanding this group\u2019s pressures is crucial, as their health reflects the broader economy\u2019s strength.<\/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. Root Causes of Middle\u2011Class Suffering<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.1 Stagnant Wages vs. Soaring Costs<\/strong><\/h3>\n\n\n\n<p>While living expenses have soared, incomes haven\u2019t kept pace:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Inflation on Essentials:<\/strong> Prices for food, cooking oil, and daily groceries have risen by <strong>6\u20138% year over year<\/strong>, outpacing wage growth.<br><\/li>\n\n\n\n<li><strong>Flat Salary Growth:<\/strong> Over the last decade, the average middle\u2011class salary in India has barely budged, while lower\u2011income groups saw <strong>4% annual gains<\/strong>.<br><\/li>\n<\/ul>\n\n\n\n<p>The mismatch leaves families cutting back on savings, health plans, and leisure\u2014cornerstones of middle\u2011class security.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.2 Debt\u2011Driven Consumption<\/strong><\/h3>\n\n\n\n<p>To bridge the gap between earnings and expenses, many turn to credit:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rising EMIs:<\/strong> A survey by PwC and Perfios found that tech\u2011savvy Indians now spend <strong>33% of their income<\/strong> on EMI repayments.<br><\/li>\n\n\n\n<li><strong>Credit Reliance:<\/strong> With household savings down to <strong>18.1% of GDP<\/strong>, more citizens depend on loans to meet daily needs .<br><\/li>\n\n\n\n<li><strong>Debt Traps:<\/strong> An estimated <strong>5\u201310%<\/strong> of middle\u2011class Indians are stuck in a debt cycle\u2014borrowing to repay existing loans and financing basic consumption.<br><\/li>\n<\/ul>\n\n\n\n<p>High-interest credit cards and personal loans can quickly snowball, turning short\u2011term relief into long\u2011term stress.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.3 Job Insecurity and Automation<\/strong><\/h3>\n\n\n\n<p>The nature of work is also shifting:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Automation Threat:<\/strong> Technology is replacing many middle\u2011skilled jobs\u2014from data entry to routine accounting\u2014leaving displaced workers scrambling for new opportunities.<br><\/li>\n\n\n\n<li><strong>Gig Economy:<\/strong> While freelance and contract work offers flexibility, it lacks the benefits and stability of traditional employment. Income swings make budgeting and loan eligibility harder.<br><\/li>\n\n\n\n<li><strong>Upskilling Gap:<\/strong> Many workers lack access to affordable training to transition into higher\u2011growth sectors like AI, renewable energy, or digital services.<br><\/li>\n<\/ul>\n\n\n\n<p>Job volatility makes long\u2011term planning\u2014and borrowing for big expenses\u2014much riskier.<\/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. The Broader Impact: Society and Economy<\/strong><\/h2>\n\n\n\n<p>When the middle class struggles, the effects ripple outward:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Reduced Consumer Spending:<\/strong> As families tighten belts, industries from housing to autos face lower demand.<br><\/li>\n\n\n\n<li><strong>Weakened Savings Pool:<\/strong> Less household saving means fewer investible funds for businesses and infrastructure projects.<br><\/li>\n\n\n\n<li><strong>Social Strain:<\/strong> Education and healthcare become unaffordable for many, eroding social mobility and widening inequality.<br><\/li>\n<\/ul>\n\n\n\n<p>A thriving middle class sustains economic growth; without it, the entire system risks stagnation.<\/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. Strategies for Individuals and Families<\/strong><\/h2>\n\n\n\n<p>While systemic change is vital, families can take steps today to ease pressure:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.1 Optimize Personal Finances<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Emergency Fund:<\/strong> Aim for <strong>3\u20136 months<\/strong> of living expenses in a liquid savings account to avoid high\u2011interest debt in crises.<br><\/li>\n\n\n\n<li><strong>Budget with Purpose:<\/strong> Track every rupee\u2014apps like Walnut or Money View can automate expense categorization and highlight cutting points.<br><\/li>\n\n\n\n<li><strong>Smart Borrowing:<\/strong> Choose <strong>low\u2011interest<\/strong> loans (e.g., credit\u2011linked P2P lending, secured EMIs) over credit cards. Negotiate loan terms or switch to balance\u2011transfer offers when rates spike.<br><\/li>\n\n\n\n<li><strong>Insurance First:<\/strong> Health and term\u2011life insurance protect against medical emergencies and income loss without depleting savings.<br><\/li>\n<\/ol>\n\n\n\n<p>Small, consistent habits build resilience over time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.2 Boost Income Streams<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Skill Up:<\/strong> Free or subsidized online courses (SWAYAM, NPTEL) can help pivot into in\u2011demand fields like data analytics or digital marketing.<br><\/li>\n\n\n\n<li><strong>Side Hustles:<\/strong> Freelancing platforms, tutoring, or creative gigs can add \u20b95,000\u2013\u20b915,000 per month\u2014enough to accelerate debt payoff.<br><\/li>\n\n\n\n<li><strong>Monetize Hobbies:<\/strong> Cooking classes, photography, or craft sales on platforms like Meesho can turn passions into profits.<br><\/li>\n<\/ol>\n\n\n\n<p>Diversified income reduces reliance on a single paycheck.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.3 Build a Balanced Portfolio<\/strong><\/h3>\n\n\n\n<p>Long\u2011term wealth helps buffer short\u2011term shocks:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Equity SIPs:<\/strong> Systematic Investment Plans in large\u2011cap and index funds deliver growth above inflation. A <strong>70:30 equity\u2011debt<\/strong> split is often recommended for stability and growth .<br><\/li>\n\n\n\n<li><strong>Debt Instruments:<\/strong> Corporate bonds, P2P loans, and hybrid funds offer fixed returns and help balance risk.<br><\/li>\n\n\n\n<li><strong>Gold &amp; Real Estate:<\/strong> Even small allocations to physical gold or REITs in your portfolio provide an inflation hedge.<br><\/li>\n<\/ul>\n\n\n\n<p>Regular reviews ensure allocations match life stage and market conditions.<\/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. Community and Collective Action<\/strong><\/h2>\n\n\n\n<p>Change also comes from shared effort:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Financial Literacy Groups:<\/strong> Local meetup communities or online forums (e.g., ValuePickr, Quora) can share best practices and warn against scams.<br><\/li>\n\n\n\n<li><strong>Co\u2011ops and CSRs:<\/strong> Employee\u2011led cooperatives or company CSR initiatives can negotiate group discounts on insurance, education, and home loans.<br><\/li>\n\n\n\n<li><strong>Advocacy:<\/strong> Petition local representatives for consumer\u2011friendly policies\u2014capping predatory loan rates or mandating transparent bank charges.<br><\/li>\n<\/ul>\n\n\n\n<p>Strength in numbers amplifies individual voices.<\/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. Policy\u2011Level Strategies<\/strong><\/h2>\n\n\n\n<p>For lasting relief, policymakers must act:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.1 Control Inflation on Essentials<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Supply Chain Reforms:<\/strong> Invest in cold\u2011storage and better logistics to reduce wastage and price spikes in food items .<br><\/li>\n\n\n\n<li><strong>Targeted Subsidies:<\/strong> Direct cash transfers for cooking oil or pulses instead of broad subsidies can contain costs without large fiscal burdens.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.2 Support Income Growth<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tax Incentives:<\/strong> Expanding tax\u2011free slabs, as in <strong>Budget\u202f2025<\/strong> (exempting incomes up to \u20b912.75\u202flakh), boosts take\u2011home pay.<br><\/li>\n\n\n\n<li><strong>Skill Development:<\/strong> Scale up industry\u2011aligned training programs with placement guarantees and certification.<br><\/li>\n\n\n\n<li><strong>SME Promotion:<\/strong> Simplify business regulations and access to credit for small enterprises, which employ a high share of middle\u2011income workers.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.3 Enhance Social Safety Nets<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Affordable Healthcare:<\/strong> Expand insurance coverage under Ayushman Bharat and incentivize private insurers to offer low\u2011cost family floater plans.<br><\/li>\n\n\n\n<li><strong>Education Loans:<\/strong> Cap interest rates on student loans and fast\u2011track approvals for middle\u2011income applicants.<br><\/li>\n\n\n\n<li><strong>Housing Support:<\/strong> Increase priority for middle\u2011income groups in affordable housing schemes and offer lower\u2011rate home loans.<br><\/li>\n<\/ul>\n\n\n\n<p>Well\u2011targeted policies can lift millions out of financial precarity.<\/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. Technological and Financial Innovation<\/strong><\/h2>\n\n\n\n<p>New tools can empower the middle class:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fintech Lending Platforms:<\/strong> AI\u2011driven credit scoring can extend fair loans to those with thin credit histories, reducing dependence on informal high\u2011interest debt.<br><\/li>\n\n\n\n<li><strong>Robo\u2011Advisors:<\/strong> Automated investment services make it easy to build and rebalance diversified portfolios at low fees.<br><\/li>\n\n\n\n<li><strong>Digital Skill Marketplaces:<\/strong> Platforms matching freelancers to global gigs\u2014such as Upwork or Toptal\u2014can help domestic talent earn in harder currencies.<br><\/li>\n<\/ul>\n\n\n\n<p>Technology must be harnessed responsibly to ensure accessibility and data privacy.<\/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. Measuring Progress<\/strong><\/h2>\n\n\n\n<p>To know if strategies work, track key indicators:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Indicator<\/strong><\/td><td><strong>Current Level<\/strong><\/td><td><strong>Target for Improvement<\/strong><\/td><\/tr><tr><td>Household Savings (% of GDP)<\/td><td>18.1%&nbsp;<\/td><td>25%<\/td><\/tr><tr><td>EMI Burden (% of Income)<\/td><td>33%<\/td><td>&lt;25%<\/td><\/tr><tr><td>Wage Growth (Annual)<\/td><td>2\u20133%<\/td><td>5\u20136%<\/td><\/tr><tr><td>Inflation on Essentials (Annual)<\/td><td>6\u20138%<\/td><td>&lt;5%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Regular monitoring by think tanks, media, and government agencies ensures accountability and course correction.<\/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<\/strong><\/h2>\n\n\n\n<p>The struggles of the middle class are real\u2014and they touch every sector of society. But this is not a hopeless narrative. By combining <strong>smart personal finance<\/strong>, <strong>community solidarity<\/strong>, <strong>innovative technology<\/strong>, and <strong>thoughtful policies<\/strong>, we can forge a path toward greater security and prosperity. Every stakeholder\u2014individuals, businesses, and the state\u2014has a role to play. Together, we can turn the tide on middle\u2011class suffering and build an economy that works for all.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Across India\u2014and indeed much of the world\u2014the middle class is feeling the squeeze like never before. Once seen as the engine of growth and stability, today\u2019s middle\u2011income families grapple with stagnant wages, soaring living costs, and mounting debt. Recent data show that household savings in India have fallen to just 18.1% of GDP, while reliance on credit has surged to fill gaps in everyday expenses . Simultaneously, EMIs and inflation are eating into disposable incomes, leaving many without a safety net. In this blog, we\u2019ll explore why the middle class is suffering, examine the root causes, and outline strategies that individuals, communities, and policymakers can adopt to turn the tide. You don\u2019t need a finance degree to follow along\u2014just a desire to make informed choices and demand smarter policies. 1. Who Counts as \u201cMiddle Class\u201d? Before diving into the problems, let\u2019s define our terms: Understanding this group\u2019s pressures is crucial, as their health reflects the broader economy\u2019s strength. 2. Root Causes of Middle\u2011Class Suffering 2.1 Stagnant Wages vs. Soaring Costs While living expenses have soared, incomes haven\u2019t kept pace: The mismatch leaves families cutting back on savings, health plans, and leisure\u2014cornerstones of middle\u2011class security. 2.2 Debt\u2011Driven Consumption To bridge the gap between earnings and expenses, many turn to credit: High-interest credit cards and personal loans can quickly snowball, turning short\u2011term relief into long\u2011term stress. 2.3 Job Insecurity and Automation The nature of work is also shifting: Job volatility makes long\u2011term planning\u2014and borrowing for big expenses\u2014much riskier. 3. The Broader Impact: Society and Economy When the middle class struggles, the effects ripple outward: A thriving middle class sustains economic growth; without it, the entire system risks stagnation. 4. Strategies for Individuals and Families While systemic change is vital, families can take steps today to ease pressure: 4.1 Optimize Personal Finances Small, consistent habits build resilience over time. 4.2 Boost Income Streams Diversified income reduces reliance on a single paycheck. 4.3 Build a Balanced Portfolio Long\u2011term wealth helps buffer short\u2011term shocks: Regular reviews ensure allocations match life stage and market conditions. 5. Community and Collective Action Change also comes from shared effort: Strength in numbers amplifies individual voices. 6. Policy\u2011Level Strategies For lasting relief, policymakers must act: 6.1 Control Inflation on Essentials 6.2 Support Income Growth 6.3 Enhance Social Safety Nets Well\u2011targeted policies can lift millions out of financial precarity. 7. Technological and Financial Innovation New tools can empower the middle class: Technology must be harnessed responsibly to ensure accessibility and data privacy. 8. Measuring Progress To know if strategies work, track key indicators: Indicator Current Level Target for Improvement Household Savings (% of GDP) 18.1%&nbsp; 25% EMI Burden (% of Income) 33% &lt;25% Wage Growth (Annual) 2\u20133% 5\u20136% Inflation on Essentials (Annual) 6\u20138% &lt;5% Regular monitoring by think tanks, media, and government agencies ensures accountability and course correction. Conclusion The struggles of the middle class are real\u2014and they touch every sector of society. But this is not a hopeless narrative. By combining smart personal finance, community solidarity, innovative technology, and thoughtful policies, we can forge a path toward greater security and prosperity. Every stakeholder\u2014individuals, businesses, and the state\u2014has a role to play. Together, we can turn the tide on middle\u2011class suffering and build an economy that works for all. 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-1089","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1089","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=1089"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1089\/revisions"}],"predecessor-version":[{"id":1099,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1089\/revisions\/1099"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1089"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1089"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1089"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}