{"id":1231,"date":"2025-06-27T16:59:55","date_gmt":"2025-06-27T16:59:55","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1231"},"modified":"2025-06-23T12:37:51","modified_gmt":"2025-06-23T12:37:51","slug":"top-10-investing-mistakes-to-avoid-in-your-20s","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/top-10-investing-mistakes-to-avoid-in-your-20s\/","title":{"rendered":"Top 10 Investing Mistakes to Avoid in Your 20s"},"content":{"rendered":"\n<p>Your 20s are a golden decade for building lasting wealth. With time as your ally, even small investments can grow into substantial sums through the power of compounding. Yet many young investors fall into common traps that hinder long\u2011term success. Avoiding these mistakes early not only boosts your returns but also builds financial confidence. In this blog, we\u2019ll explore the top 10 investing mistakes twenty\u2011somethings make\u2014and show you simple, practical ways to steer clear of each one. All advice reflects the latest trends and expert insights in 2025.<\/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. Procrastinating on Starting Early<\/strong><\/h2>\n\n\n\n<p><strong>Mistake:<\/strong> Delaying investments because you think you have \u201cplenty of time\u201d or want to pay off every rupee of debt first.<\/p>\n\n\n\n<p><strong>Why It\u2019s Costly:<\/strong> Waiting even a few years can dramatically reduce your ultimate corpus. A \u20b91,000 monthly SIP at 12% CAGR grows to around \u20b936\u202flakh in 30 years\u2014but only \u20b912\u202flakh in 20 years.<\/p>\n\n\n\n<p><strong>What to Do Instead:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Just Begin:<\/strong> Automate a small SIP\u2014\u20b9500\/month is enough to get compounding started.<br><\/li>\n\n\n\n<li><strong>Balance Debt vs. Investing:<\/strong> While high\u2011interest debt (18\u201336%) should be prioritized, low\u2011rate student loans (8\u201310%) can be paid alongside smaller investments.<br><\/li>\n<\/ul>\n\n\n\n<p>\u201cNot investing at all may be the biggest mistake, as young investors have the advantage of time to grow their investments.\u201d<\/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. Skipping the Emergency Fund<\/strong><\/h2>\n\n\n\n<p><strong>Mistake:<\/strong> Putting every spare rupee into the market, only to get forced to sell during a personal cash crunch.<\/p>\n\n\n\n<p><strong>Why It\u2019s Costly:<\/strong> Without a buffer, unexpected bills (medical, repairs) can derail your SIPs or lead to high\u2011interest debt, negating gains.<\/p>\n\n\n\n<p><strong>What to Do Instead:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Phase\u202f1:<\/strong> Save \u20b95,000\u2013\u20b910,000 as a mini\u2011buffer in a liquid fund or high\u2011yield savings account.<br><\/li>\n\n\n\n<li><strong>Phase\u202f2:<\/strong> Grow this to cover <strong>3\u20136 months<\/strong> of essential expenses (\u20b930,000\u2013\u20b960,000 for many young professionals).<br><\/li>\n<\/ol>\n\n\n\n<p>By separating emergency cash from your long\u2011term portfolio, you avoid dipping into investments during market downturns.<\/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. Ignoring Inflation &amp; Tax Impact<\/strong><\/h2>\n\n\n\n<p><strong>Mistake:<\/strong> Park all your cash in a regular savings account yielding 3\u20134%, unaware that 6% inflation and taxes erode your real returns.<\/p>\n\n\n\n<p><strong>Why It\u2019s Costly:<\/strong> \u20b9100 today buys less tomorrow. Over 10 years, 6% inflation cuts purchasing power by nearly 45%.<\/p>\n\n\n\n<p><strong>What to Do Instead:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Inflation Beaters:<\/strong> Allocate at least 60% of your portfolio to equities\u2014Indian markets have averaged <strong>11\u201312%<\/strong> annually over the past decade .<br><\/li>\n\n\n\n<li><strong>Tax\u2011Efficient Funds:<\/strong> Use ELSS mutual funds for \u20b91.5\u202flakh Section\u202f80C deductions, and NPS Tier\u202fI for an extra \u20b950,000 deduction under Section\u202f80CCD(1B).<br><\/li>\n<\/ul>\n\n\n\n<p>Proactively planning for inflation and taxes ensures your net, post\u2011tax returns stay ahead of rising costs.<\/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. Overconcentration &amp; Lack of Diversification<\/strong><\/h2>\n\n\n\n<p><strong>Mistake:<\/strong> Placing all your money in one hot stock or sector\u2014whether it\u2019s a tech unicorn or a \u201csure\u2011win\u201d small\u2011cap\u2014hoping for quick riches.<\/p>\n\n\n\n<p><strong>Why It\u2019s Costly:<\/strong> A single bad pick can wipe out years of gains. During 2022\u2019s small\u2011cap crash, many overexposed investors lost 30\u201350% of portfolio value.<\/p>\n\n\n\n<p><strong>What to Do Instead:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Core\u2011Satellite Approach:<\/strong> Build 70% of your equity allocation in broad\u2011market index funds (Nifty\u202f50, Nifty\u202fNext\u202f50) and use 30% for stock calls or thematic bets.<br><\/li>\n\n\n\n<li><strong>Include Other Assets:<\/strong> Add 10\u201320% to debt funds, P2P lending (12\u201318% returns), or small real\u2011estate exposure.<br><\/li>\n<\/ul>\n\n\n\n<p>A balanced mix smooths volatility and captures growth across different market cycles.<\/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. Emotional Investing &amp; Behavioral Biases<\/strong><\/h2>\n\n\n\n<p><strong>Mistake:<\/strong> Letting fear and greed drive decisions\u2014panic\u2011selling during dips or FOMO\u2011buying at peaks.<\/p>\n\n\n\n<p><strong>Why It\u2019s Costly:<\/strong> Behavioral biases, like <strong>recency bias<\/strong> and <strong>loss aversion<\/strong>, can reduce returns by 2\u20133% annually over a lifetime .<\/p>\n\n\n\n<p><strong>What to Do Instead:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Automate Investments:<\/strong> SIPs enforce discipline, buying the market at regular intervals regardless of noise.<br><\/li>\n\n\n\n<li><strong>Use Stop\u2011Loss &amp; Profit Targets:<\/strong> For direct equity, set trailing stops (e.g., 15% below peak) to protect gains.<br><\/li>\n\n\n\n<li><strong>Mind the Myths:<\/strong> Avoid the <strong>forecasting trap<\/strong>\u2014no one can predict markets consistently.<br><\/li>\n<\/ol>\n\n\n\n<p>By removing emotion from investing, you stay focused on your long\u2011term strategy.<\/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. Chasing Past Performance<\/strong><\/h2>\n\n\n\n<p><strong>Mistake:<\/strong> Switching funds or stocks solely because they delivered 50\u2013100% last year.<\/p>\n\n\n\n<p><strong>Why It\u2019s Costly:<\/strong> Yesterday\u2019s winners often underperform next year; <strong>momentum<\/strong> can reverse, turning 100% gains into 40% losses .<\/p>\n\n\n\n<p><strong>What to Do Instead:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Process Over Performance:<\/strong> Evaluate funds on consistency, expense ratio (&lt;1%), and risk\u2011adjusted returns.<br><\/li>\n\n\n\n<li><strong>Factor Tilts:<\/strong> If you like momentum, limit that bucket to 10\u201315% of your equity portfolio; avoid wholesale churn.<br><\/li>\n<\/ul>\n\n\n\n<p>Focusing on sound processes prevents costly \u201cchurn and burn\u201d cycles.<\/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. Overusing Leverage &amp; Borrowed Money<\/strong><\/h2>\n\n\n\n<p><strong>Mistake:<\/strong> Taking loans or using margin to amplify equity bets, lured by \u201cfree money.\u201d<\/p>\n\n\n\n<p><strong>Why It\u2019s Costly:<\/strong> When markets dip, margin calls force selling at lows, crystallizing losses\u2014and interest on loans eats into your capital .<\/p>\n\n\n\n<p><strong>What to Do Instead:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avoid Margin:<\/strong> Stick to 100% cash\u2011backed positions unless you\u2019re a seasoned trader.<br><\/li>\n\n\n\n<li><strong>Debt\u2011Light Strategy:<\/strong> Reserve debt for asset purchases (home, education) with clear cash\u2011flow plans, not speculative investing.<br><\/li>\n<\/ul>\n\n\n\n<p>Staying debt\u2011free in your investment portfolio safeguards you against forced sell\u2011offs.<\/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. Ignoring Costs &amp; Fees<\/strong><\/h2>\n\n\n\n<p><strong>Mistake:<\/strong> Failing to compare expense ratios, brokerage, and exit loads\u2014letting hidden fees nibble away at returns.<\/p>\n\n\n\n<p><strong>Why It\u2019s Costly:<\/strong> A 1% higher expense ratio over 20 years can reduce your corpus by up to <strong>20%<\/strong>.<\/p>\n\n\n\n<p><strong>What to Do Instead:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Choose Low\u2011Cost Funds:<\/strong> Target index funds and ETFs with expense ratios under 0.1\u20130.2%.<br><\/li>\n\n\n\n<li><strong>Negotiate Brokerage:<\/strong> Use discount brokers for equity delivery (\u20b910\u201320 per trade) rather than traditional full\u2011service rates (0.3\u20130.5%).<br><\/li>\n<\/ul>\n\n\n\n<p>Minimizing fees keeps more of your returns working for you.<\/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. Failing to Automate &amp; Plan<\/strong><\/h2>\n\n\n\n<p><strong>Mistake:<\/strong> Treating investing as a \u201cwhenever I have extra cash\u201d chore.<\/p>\n\n\n\n<p><strong>Why It\u2019s Costly:<\/strong> Relying on willpower leads to missed months\u2014studies show 30% of SIPs get skipped each year without automation .<\/p>\n\n\n\n<p><strong>What to Do Instead:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Auto\u2011Debit SIPs &amp; PPF\/NPS:<\/strong> Schedule contributions on payday.<br><\/li>\n\n\n\n<li><strong>Use Fintech Tools:<\/strong> Apps like Walnut or Cube that \u201cround up\u201d spends and auto\u2011save the spare change.<br><\/li>\n<\/ul>\n\n\n\n<p>Automation builds habits and ensures you never \u201cforget\u201d a contribution.<\/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. Neglecting Regular Review &amp; Rebalancing<\/strong><\/h2>\n\n\n\n<p><strong>Mistake:<\/strong> \u201cSet and forget\u201d portfolios can drift\u2014equities run up to 90% of assets, or debt balloons after a market rally.<\/p>\n\n\n\n<p><strong>Why It\u2019s Costly:<\/strong> Misaligned asset allocation increases risk and deviates from your target returns\u2014during 2024\u2019s bull run, many equity\u2011heavy portfolios saw drawdowns of 40% in the 2025 correction .<\/p>\n\n\n\n<p><strong>What to Do Instead:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Quarterly Check\u2011Ins:<\/strong> Compare actual vs. target weights; sell partial gains in overweighted assets.<br><\/li>\n\n\n\n<li><strong>Annual Deep\u2011Dive:<\/strong> Assess goal progress, reset contributions, and adjust factor tilts.<br><\/li>\n<\/ul>\n\n\n\n<p>Regular rebalancing keeps your risk profile and return expectations on track.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h3>\n\n\n\n<p>Avoiding these ten common mistakes in your 20s sets you up for a lifetime of smarter, more profitable investing. Start early, build your emergency fund, stay diversified, automate contributions, and guard against emotional and cost traps. With discipline, a clear process, and regular reviews, you can harness the power of compounding and behavior\u2011driven strategies to grow real wealth\u2014no matter how small your first investment. Remember, time is your greatest asset; invest wisely today for a secure tomorrow.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your 20s are a golden decade for building lasting wealth. With time as your ally, even small investments can grow into substantial sums through the power of compounding. Yet many young investors fall into common traps that hinder long\u2011term success. Avoiding these mistakes early not only boosts your returns but also builds financial confidence. In this blog, we\u2019ll explore the top 10 investing mistakes twenty\u2011somethings make\u2014and show you simple, practical ways to steer clear of each one. All advice reflects the latest trends and expert insights in 2025. 1. Procrastinating on Starting Early Mistake: Delaying investments because you think you have \u201cplenty of time\u201d or want to pay off every rupee of debt first. Why It\u2019s Costly: Waiting even a few years can dramatically reduce your ultimate corpus. A \u20b91,000 monthly SIP at 12% CAGR grows to around \u20b936\u202flakh in 30 years\u2014but only \u20b912\u202flakh in 20 years. What to Do Instead: \u201cNot investing at all may be the biggest mistake, as young investors have the advantage of time to grow their investments.\u201d 2. Skipping the Emergency Fund Mistake: Putting every spare rupee into the market, only to get forced to sell during a personal cash crunch. Why It\u2019s Costly: Without a buffer, unexpected bills (medical, repairs) can derail your SIPs or lead to high\u2011interest debt, negating gains. What to Do Instead: By separating emergency cash from your long\u2011term portfolio, you avoid dipping into investments during market downturns. 3. Ignoring Inflation &amp; Tax Impact Mistake: Park all your cash in a regular savings account yielding 3\u20134%, unaware that 6% inflation and taxes erode your real returns. Why It\u2019s Costly: \u20b9100 today buys less tomorrow. Over 10 years, 6% inflation cuts purchasing power by nearly 45%. What to Do Instead: Proactively planning for inflation and taxes ensures your net, post\u2011tax returns stay ahead of rising costs. 4. Overconcentration &amp; Lack of Diversification Mistake: Placing all your money in one hot stock or sector\u2014whether it\u2019s a tech unicorn or a \u201csure\u2011win\u201d small\u2011cap\u2014hoping for quick riches. Why It\u2019s Costly: A single bad pick can wipe out years of gains. During 2022\u2019s small\u2011cap crash, many overexposed investors lost 30\u201350% of portfolio value. What to Do Instead: A balanced mix smooths volatility and captures growth across different market cycles. 5. Emotional Investing &amp; Behavioral Biases Mistake: Letting fear and greed drive decisions\u2014panic\u2011selling during dips or FOMO\u2011buying at peaks. Why It\u2019s Costly: Behavioral biases, like recency bias and loss aversion, can reduce returns by 2\u20133% annually over a lifetime . What to Do Instead: By removing emotion from investing, you stay focused on your long\u2011term strategy. 6. Chasing Past Performance Mistake: Switching funds or stocks solely because they delivered 50\u2013100% last year. Why It\u2019s Costly: Yesterday\u2019s winners often underperform next year; momentum can reverse, turning 100% gains into 40% losses . What to Do Instead: Focusing on sound processes prevents costly \u201cchurn and burn\u201d cycles. 7. Overusing Leverage &amp; Borrowed Money Mistake: Taking loans or using margin to amplify equity bets, lured by \u201cfree money.\u201d Why It\u2019s Costly: When markets dip, margin calls force selling at lows, crystallizing losses\u2014and interest on loans eats into your capital . What to Do Instead: Staying debt\u2011free in your investment portfolio safeguards you against forced sell\u2011offs. 8. Ignoring Costs &amp; Fees Mistake: Failing to compare expense ratios, brokerage, and exit loads\u2014letting hidden fees nibble away at returns. Why It\u2019s Costly: A 1% higher expense ratio over 20 years can reduce your corpus by up to 20%. What to Do Instead: Minimizing fees keeps more of your returns working for you. 9. Failing to Automate &amp; Plan Mistake: Treating investing as a \u201cwhenever I have extra cash\u201d chore. Why It\u2019s Costly: Relying on willpower leads to missed months\u2014studies show 30% of SIPs get skipped each year without automation . What to Do Instead: Automation builds habits and ensures you never \u201cforget\u201d a contribution. 10. Neglecting Regular Review &amp; Rebalancing Mistake: \u201cSet and forget\u201d portfolios can drift\u2014equities run up to 90% of assets, or debt balloons after a market rally. Why It\u2019s Costly: Misaligned asset allocation increases risk and deviates from your target returns\u2014during 2024\u2019s bull run, many equity\u2011heavy portfolios saw drawdowns of 40% in the 2025 correction . What to Do Instead: Regular rebalancing keeps your risk profile and return expectations on track. Conclusion Avoiding these ten common mistakes in your 20s sets you up for a lifetime of smarter, more profitable investing. Start early, build your emergency fund, stay diversified, automate contributions, and guard against emotional and cost traps. With discipline, a clear process, and regular reviews, you can harness the power of compounding and behavior\u2011driven strategies to grow real wealth\u2014no matter how small your first investment. Remember, time is your greatest asset; invest wisely today for a secure tomorrow. 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-1231","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1231","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=1231"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1231\/revisions"}],"predecessor-version":[{"id":1242,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1231\/revisions\/1242"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1231"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1231"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1231"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}