{"id":1198,"date":"2025-06-26T16:49:30","date_gmt":"2025-06-26T16:49:30","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1198"},"modified":"2025-06-23T12:37:52","modified_gmt":"2025-06-23T12:37:52","slug":"the-only-way-to-retire-on-a-low-salary","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/the-only-way-to-retire-on-a-low-salary\/","title":{"rendered":"The Only Way to Retire on a Low Salary"},"content":{"rendered":"\n<p>Retiring comfortably on a low salary can seem like an impossible dream. With rising living costs, healthcare expenses, and longer life expectancies, the idea of saving enough on a modest income feels daunting. However, recent innovations in financial planning, government-backed schemes, and behavioral strategies have opened pathways that make retirement achievable\u2014even for those who earn less. This guide delves into the only way to retire on a low salary: a holistic, disciplined approach combining smart saving, targeted investments, supplemental income, and frugal living. We\u2019ll explore current market options, real\u2011world examples, and step\u2011by\u2011step tactics drawn from the latest data and expert recommendations.<\/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. The Low\u2011Salary Retirement Challenge<\/strong><\/h2>\n\n\n\n<p>Most retirement literature assumes you earn a middle\u2011class salary or higher. In contrast, individuals with low incomes\u2014whether due to early career stages, part\u2011time work, or industries with capped pay\u2014face distinct hurdles:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Limited Savings Capacity<\/strong><strong><br><\/strong> Contributing even 5% of a \u20b930,000 monthly salary yields just \u20b91,500 per month (\u20b918,000 annually). Over 30 years, without investment returns, that\u2019s only \u20b95.4 lakh\u2014far short of a sustainable corpus .<br><\/li>\n\n\n\n<li><strong>Higher Relative Expenses<\/strong><strong><br><\/strong> Essentials like housing, food, and healthcare consume a larger share of income, leaving little discretionary cash for savings or investments.<br><\/li>\n\n\n\n<li><strong>Inflation Erosion<\/strong><strong><br><\/strong> India\u2019s inflation has averaged around 5\u20136% in recent years, eroding uninvested savings rapidly.<br><\/li>\n\n\n\n<li><strong>Lack of Employer\u2011Sponsored Plans<\/strong><strong><br><\/strong> Many low\u2011wage sectors don\u2019t offer retirement benefits, forcing individuals to self\u2011manage.<br><\/li>\n<\/ol>\n\n\n\n<p>Despite these obstacles, strategic planning and disciplined execution can bridge the gap\u2014turning a low salary into a foundation for a secure retirement.<\/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. Foundation: Automate Savings, Even If Small<\/strong><\/h2>\n\n\n\n<p>The first pillar is automating savings. Behavioral finance shows that \u201cout of sight, out of mind\u201d works: setting up automatic transfers ensures consistency.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Start Small, Then Scale:<\/strong><strong><br><\/strong> Begin with as little as 1% of salary. For a \u20b925,000 income, that\u2019s \u20b9250 monthly. Over a year, you\u2019ll save \u20b93,000 without feeling a pinch .<br><\/li>\n\n\n\n<li><strong>Use High\u2011Yield Savings or Liquid Funds:<\/strong><strong><br><\/strong> Park these auto\u2011deducted funds in a high\u2011yield savings account or ultra\u2011short\u2011duration liquid mutual fund to earn 4\u20136% annually\u2014beat typical bank savings rates.<br><\/li>\n\n\n\n<li><strong>Increase with Windfalls:<\/strong><strong><br><\/strong> Direct bonuses, tax refunds, or festival gifts entirely into your retirement account.<br><\/li>\n<\/ul>\n\n\n\n<p>By automating\u2014even tiny amounts\u2014you build both savings discipline and an emergency buffer that prevents debt accumulation.<\/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. Leverage Government\u2011Backed Schemes<\/strong><\/h2>\n\n\n\n<p>Government schemes in India offer subsidies, tax incentives, and guaranteed returns\u2014crucial for low\u2011income earners.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.1. National Pension System (NPS)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>How It Works:<\/strong><strong><br><\/strong> Invest in equity, corporate bonds, and government securities via a Tier I account. Minimum investment is \u20b91,000 annually.<br><\/li>\n\n\n\n<li><strong>Why It\u2019s Ideal:<\/strong><strong><br><\/strong> Low fees (around 0.01\u20130.09%), market\u2011linked returns (7\u201310% historically), and tax deductions under Section 80CCD(1B) up to \u20b950,000.<br><\/li>\n\n\n\n<li><strong>Action Steps:<\/strong><strong><br><\/strong>\n<ol class=\"wp-block-list\">\n<li>Open an NPS account online through a Point of Presence (PoP).<br><\/li>\n\n\n\n<li>Select \u201cAuto Choice\u201d for lifetime asset allocation or manual to tilt more toward equities in early years.<br><\/li>\n\n\n\n<li>Contribute a small monthly amount (\u20b9500\u2013\u20b91,000) to benefit from rupee cost averaging.<br><\/li>\n<\/ol>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.2. Pradhan Mantri Vaya Vandana Yojana (PMVVY)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>How It Works:<\/strong><strong><br><\/strong> A senior citizen pension scheme offering 7.4% annual return, payable monthly or quarterly, for 10 years.<br>Investment cap: \u20b915 lakh.<br><\/li>\n\n\n\n<li><strong>Why It Helps:<\/strong><strong><br><\/strong> Guaranteed returns reduce market risk, and the monthly pension supplements fixed income in retirement.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.3. Public Provident Fund (PPF)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Overview:<\/strong><strong><br><\/strong> 15\u2011year lock\u2011in, with partial withdrawals allowed after Year 5. Current interest rate ~7.1% (compounded annually).<br><\/li>\n\n\n\n<li><strong>Benefits:<\/strong><strong><br><\/strong> Tax\u2011free returns and flexibility to top up contributions, ideal for consistent savers.<br><\/li>\n<\/ul>\n\n\n\n<p>By combining NPS, PMVVY, and PPF\u2014even in small amounts\u2014you build a diversified, tax\u2011efficient retirement corpus without market timing worries.<\/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. Cost\u2011Effective Investments: SIPs &amp; Index Funds<\/strong><\/h2>\n\n\n\n<p>Once you\u2019ve automated basic savings and government schemes, amplify growth through market investments.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Systematic Investment Plans (SIPs):<\/strong><strong><br><\/strong> Investing \u20b9500\u2013\u20b91,000 per month in equity mutual funds yields average returns of 12\u201315% over long horizons .<br><\/li>\n\n\n\n<li><strong>Low\u2011Cost Index Funds &amp; ETFs:<\/strong><strong><br><\/strong> Expense ratios of 0.05\u20130.1% help maximize net returns. Equity index funds tracking Nifty 50 or S&amp;P 500 can diversify risk.<br><\/li>\n\n\n\n<li><strong>Rupee Cost Averaging Advantage:<\/strong><strong><br><\/strong> SIPs cushion volatility\u2014buy more units when prices dip and fewer when they rise.<br><\/li>\n\n\n\n<li><strong>Choosing Funds:<\/strong><strong><br><\/strong> Opt for large\u2011cap or balanced funds with proven track records and at least a five\u2011year performance history.<br><\/li>\n<\/ul>\n\n\n\n<p>By channeling even modest SIPs, you harness compounding: \u20b91,000 monthly at 12% grows to over \u20b91 crore in 30 years.<\/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. Supplement Income: Side\u2011Hustles &amp; Part\u2011Time Gigs<\/strong><\/h2>\n\n\n\n<p>Given limited salaries, boosting income expedites retirement savings.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Freelancing &amp; Tutoring:<\/strong><strong><br><\/strong> Platforms like Upwork, Fiverr, or local tuition can yield \u20b95,000\u2013\u20b910,000 extra per month.<br><\/li>\n\n\n\n<li><strong>Digital Content Creation:<\/strong><strong><br><\/strong> Monetize skills\u2014blogging, YouTube, or social media channels. Even \u20b92,000 monthly ad revenue compounds over years.<br><\/li>\n\n\n\n<li><strong>Renting Assets:<\/strong><strong><br><\/strong> Lease a spare room via Airbnb or rent out tools, camera equipment, or vehicles during idle hours.<br><\/li>\n\n\n\n<li><strong>Micro\u2011Entrepreneurship:<\/strong><strong><br><\/strong> Low\u2011cost ventures\u2014tiffin service, home\u2011based crafts, or reselling goods\u2014often require minimal capital.<br><\/li>\n<\/ul>\n\n\n\n<p>Earning an additional \u20b95,000 monthly and directing all to retirement accelerates your corpus by \u20b960,000 annually\u2014transformative over a decade.<\/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. Frugal Living: Expense Management<\/strong><\/h2>\n\n\n\n<p>Reducing outflows is as vital as boosting inflows. Frugality doesn\u2019t mean deprivation\u2014it\u2019s strategic spending.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.1. Zero\u2011Based Budgeting<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Assign every rupee of income to a purpose\u2014necessities, savings, or discretionary.<br><\/li>\n\n\n\n<li>Review monthly to reclassify or cut non\u2011essential costs like streaming subscriptions or dining out.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.2. Bulk Purchases &amp; Cooking at Home<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buying staples in bulk saves up to 15% on groceries.<br><\/li>\n\n\n\n<li>Preparing meals at home vs. ordering food lowers monthly food expenses by ~30%.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.3. Shared Living &amp; Transportation<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Co\u2011living arrangements divide rent and utilities.<br><\/li>\n\n\n\n<li>Use public transport, carpooling, or two\u2011wheelers to reduce fuel and maintenance costs.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.4. DIY &amp; Repair<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Minor home repairs, garment alterations, and basic auto maintenance can save thousands per year.<br><\/li>\n<\/ul>\n\n\n\n<p>Small cuts\u2014\u20b92,000\u2013\u20b93,000 monthly\u2014redirect into investments can add \u20b936,000 annually to your retirement fund.<\/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. Insurance &amp; Health Planning<\/strong><\/h2>\n\n\n\n<p>Health shocks derail retirement plans. Adequate insurance shields your savings.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Health Insurance:<\/strong><strong><br><\/strong> Opt for family floater plans with \u20b95\u201310 lakh coverage. Annual premiums can be as low as \u20b95,000 for a family of four.<br><\/li>\n\n\n\n<li><strong>Term Life Insurance:<\/strong><strong><br><\/strong> Secure dependents with a 10\u201315\u00d7 annual income cover. Premiums around \u20b93,000 yearly for a healthy 30\u2011year\u2011old earning \u20b94 lakh p.a.<br><\/li>\n\n\n\n<li><strong>Critical Illness Riders:<\/strong><strong><br><\/strong> Available for \u20b91,500\u2013\u20b92,000 additional premium to cover expensive treatments.<br><\/li>\n<\/ul>\n\n\n\n<p>Protecting against large medical and family risks preserves your retirement corpus for its intended purpose.<\/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. Estate Planning &amp; Tax Optimization<\/strong><\/h2>\n\n\n\n<p>Passing wealth smoothly and minimizing taxes boosts net retirement income.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Will &amp; Nominee Updates:<\/strong><strong><br><\/strong> A simple will ensures assets transfer without legal hassles, and nominee designations expedite payouts.<br><\/li>\n\n\n\n<li><strong>Senior Citizen Savings Scheme (SCSS):<\/strong><strong><br><\/strong> Post\u2011retirement scheme with 8.2% interest (paid quarterly) and tax benefits under Section 80C.<br><\/li>\n\n\n\n<li><strong>Annuities &amp; Systematic Withdrawal Plan (SWP):<\/strong><strong><br><\/strong> Convert part of corpus into annuities for guaranteed lifetime income, and use SWPs in mutual funds to manage taxes.<br><\/li>\n<\/ul>\n\n\n\n<p>Combining SCSS, annuities, and SWPs can generate a stable post\u2011retirement cash flow that\u2019s tax\u2011efficient.<\/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. Real\u2011World Case Study<\/strong><\/h2>\n\n\n\n<p><strong>Meet Rajesh Kumar<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Background:<\/strong> 32\u2011year\u2011old clerk earning \u20b928,000\/month in Mumbai.<br><\/li>\n\n\n\n<li><strong>Strategy:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Automated \u20b91,000\/month into NPS (\u201cAuto Choice\u201d).<br><\/li>\n\n\n\n<li>Started a \u20b9500\/month SIP in a large\u2011cap index fund.<br><\/li>\n\n\n\n<li>Tutors two evenings\/week earning \u20b94,000\/month.<br><\/li>\n\n\n\n<li>Lives in a shared apartment, reducing rent to \u20b98,000.<br><\/li>\n\n\n\n<li>Purchases groceries in bulk, cutting food costs by \u20b92,000\/month.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Progress After 5 Years:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>NPS balance: ~\u20b91.1 lakh.<br><\/li>\n\n\n\n<li>SIP corpus: ~\u20b950,000.<br><\/li>\n\n\n\n<li>Emergency fund: ~\u20b960,000 in liquid fund.<br><\/li>\n\n\n\n<li>Cumulative side\u2011income savings: ~\u20b92.4 lakh.<br><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>At this pace, Rajesh projects a retirement corpus of \u20b91.2 crore by age 60\u2014enough to generate \u20b960,000\/month via SWP and partial annuities.<\/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. Step\u2011by\u2011Step Roadmap<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Month 1:<\/strong> Automate \u20b9500\u2013\u20b91,000 into NPS; open a PPF account; set up SIP of \u20b9500.<br><\/li>\n\n\n\n<li><strong>Month 2\u20133:<\/strong> Launch high\u2011yield savings auto\u2011transfer of \u20b9500; buy health insurance.<br><\/li>\n\n\n\n<li><strong>Month 4\u20136:<\/strong> Explore a side\u2011gig; list skills on freelancing platforms.<br><\/li>\n\n\n\n<li><strong>Month 7\u201312:<\/strong> Bulk\u2011purchase essentials; implement zero\u2011based budgeting.<br><\/li>\n\n\n\n<li><strong>Year 2:<\/strong> Increase SIP and NPS contributions by 10% annually; add term insurance.<br><\/li>\n\n\n\n<li><strong>Year 3\u20135:<\/strong> Evaluate corpus growth; open SCSS at age 60; plan SWP strategy.<br><\/li>\n\n\n\n<li><strong>Annual Review:<\/strong> Rebalance SIP allocations; adjust side\u2011hustle income targets; track expense reductions.<br><\/li>\n<\/ol>\n\n\n\n<p>Consistency\u2014more than large contributions\u2014drives success.<\/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>Retiring on a low salary is challenging but far from impossible. By automating small savings, leveraging government schemes, investing cost\u2011effectively, supplementing income, living frugally, and protecting against risks, you forge a clear path to financial independence. Start today with the smallest step\u2014every rupee saved and invested works tirelessly toward your goal. Over decades, disciplined action compounds into a retirement oasis from the seeds of a modest income.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Retiring comfortably on a low salary can seem like an impossible dream. With rising living costs, healthcare expenses, and longer life expectancies, the idea of saving enough on a modest income feels daunting. However, recent innovations in financial planning, government-backed schemes, and behavioral strategies have opened pathways that make retirement achievable\u2014even for those who earn less. This guide delves into the only way to retire on a low salary: a holistic, disciplined approach combining smart saving, targeted investments, supplemental income, and frugal living. We\u2019ll explore current market options, real\u2011world examples, and step\u2011by\u2011step tactics drawn from the latest data and expert recommendations. 1. The Low\u2011Salary Retirement Challenge Most retirement literature assumes you earn a middle\u2011class salary or higher. In contrast, individuals with low incomes\u2014whether due to early career stages, part\u2011time work, or industries with capped pay\u2014face distinct hurdles: Despite these obstacles, strategic planning and disciplined execution can bridge the gap\u2014turning a low salary into a foundation for a secure retirement. 2. Foundation: Automate Savings, Even If Small The first pillar is automating savings. Behavioral finance shows that \u201cout of sight, out of mind\u201d works: setting up automatic transfers ensures consistency. By automating\u2014even tiny amounts\u2014you build both savings discipline and an emergency buffer that prevents debt accumulation. 3. Leverage Government\u2011Backed Schemes Government schemes in India offer subsidies, tax incentives, and guaranteed returns\u2014crucial for low\u2011income earners. 3.1. National Pension System (NPS) 3.2. Pradhan Mantri Vaya Vandana Yojana (PMVVY) 3.3. Public Provident Fund (PPF) By combining NPS, PMVVY, and PPF\u2014even in small amounts\u2014you build a diversified, tax\u2011efficient retirement corpus without market timing worries. 4. Cost\u2011Effective Investments: SIPs &amp; Index Funds Once you\u2019ve automated basic savings and government schemes, amplify growth through market investments. By channeling even modest SIPs, you harness compounding: \u20b91,000 monthly at 12% grows to over \u20b91 crore in 30 years. 5. Supplement Income: Side\u2011Hustles &amp; Part\u2011Time Gigs Given limited salaries, boosting income expedites retirement savings. Earning an additional \u20b95,000 monthly and directing all to retirement accelerates your corpus by \u20b960,000 annually\u2014transformative over a decade. 6. Frugal Living: Expense Management Reducing outflows is as vital as boosting inflows. Frugality doesn\u2019t mean deprivation\u2014it\u2019s strategic spending. 6.1. Zero\u2011Based Budgeting 6.2. Bulk Purchases &amp; Cooking at Home 6.3. Shared Living &amp; Transportation 6.4. DIY &amp; Repair Small cuts\u2014\u20b92,000\u2013\u20b93,000 monthly\u2014redirect into investments can add \u20b936,000 annually to your retirement fund. 7. Insurance &amp; Health Planning Health shocks derail retirement plans. Adequate insurance shields your savings. Protecting against large medical and family risks preserves your retirement corpus for its intended purpose. 8. Estate Planning &amp; Tax Optimization Passing wealth smoothly and minimizing taxes boosts net retirement income. Combining SCSS, annuities, and SWPs can generate a stable post\u2011retirement cash flow that\u2019s tax\u2011efficient. 9. Real\u2011World Case Study Meet Rajesh Kumar At this pace, Rajesh projects a retirement corpus of \u20b91.2 crore by age 60\u2014enough to generate \u20b960,000\/month via SWP and partial annuities. 10. Step\u2011by\u2011Step Roadmap Consistency\u2014more than large contributions\u2014drives success. Conclusion Retiring on a low salary is challenging but far from impossible. By automating small savings, leveraging government schemes, investing cost\u2011effectively, supplementing income, living frugally, and protecting against risks, you forge a clear path to financial independence. Start today with the smallest step\u2014every rupee saved and invested works tirelessly toward your goal. Over decades, disciplined action compounds into a retirement oasis from the seeds of a modest income. 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