{"id":1256,"date":"2025-06-28T17:09:35","date_gmt":"2025-06-28T17:09:35","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1256"},"modified":"2025-06-23T12:37:51","modified_gmt":"2025-06-23T12:37:51","slug":"plan-your-retirement-with-this-free-excel-template","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/plan-your-retirement-with-this-free-excel-template\/","title":{"rendered":"Plan Your Retirement with This Free Excel Template"},"content":{"rendered":"\n<p>Retirement planning can feel overwhelming\u2014especially when you\u2019re juggling bills, savings, and investments in your busy life. Yet having a clear roadmap is essential: without one, you risk under\u2011saving or waiting too long to adjust. An Excel template simplifies this process by automating the math, letting you focus on the decisions that matter.<\/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. Why Use an Excel Template for Retirement Planning?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Clarity &amp; Control:<\/strong> See how your annual contributions, assumed returns, and withdrawals interact over decades\u2014without complex financial software.<br><\/li>\n\n\n\n<li><strong>Flexibility:<\/strong> Adjust any input (returns, inflation, contribution amount) instantly and watch the projected corpus update.<br><\/li>\n\n\n\n<li><strong>Cost\u2011Effective:<\/strong> Free templates eliminate expensive advisory fees.<br><\/li>\n\n\n\n<li><strong>Transparency:<\/strong> All formulas are visible, so you understand exactly how numbers are calculated.<br><\/li>\n\n\n\n<li><strong>Scenario Testing:<\/strong> Compare retiring at 55 vs. 60, or saving \u20b91\u202flakh vs. \u20b92\u202flakh annually, side by side.<br><\/li>\n<\/ul>\n\n\n\n<p>An Excel template becomes your financial dashboard, guiding decisions with concrete numbers rather than vague goals.<\/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. Top Free Retirement Excel Templates for 2025<\/strong><\/h2>\n\n\n\n<p>Several high\u2011quality templates are available\u2014each with unique features:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Tiller\u2019s \u201c7 Best Free Retirement Planning Spreadsheets\u201d<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Updated for 2025, includes a <strong>FIRE (Financial Independence, Retire Early) estimator<\/strong>, cash\u2011flow planner, and multiple scenarios.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>PLIndia Retirement Planning XLS<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Offers return assumptions, inflation inputs, and five distinct asset\u2011allocation models.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Vertex42 Retirement Calculator<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>A simple model focusing on how much you need to save each month and projects corpus versus withdrawals.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>ClickUp Retirement Planning Template<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Combines Excel with interactive checklists, ideal for detailed tracking.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>AccidentallyRetired \u201cTime to FIRE\u201d Spreadsheet<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Google Sheets\u2011friendly, supports adjustable withdrawal rates and portfolio rebalancing.<br><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p><strong>Tip:<\/strong> Download at least two templates to compare features. Then choose the one that fits your planning style\u2014whether you prefer visual dashboards, detailed line\u2011item breakdowns, or simple goal trackers.<\/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. Setting Realistic Return &amp; Inflation Assumptions<\/strong><\/h2>\n\n\n\n<p>Your template will project future values based on assumed rates. In India as of mid\u20112025:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Equities (Nifty\u202f50 CAGR):<\/strong> ~11.7% over the past decade .<br><\/li>\n\n\n\n<li><strong>PPF (Public Provident Fund):<\/strong> 7.1% p.a., compounded annually, unchanged for April\u2013June 2025 quarter.<br><\/li>\n\n\n\n<li><strong>EPF (Employees\u2019 Provident Fund):<\/strong> 8.25% for FY\u202f2024\u201325, credited annually .<br><\/li>\n\n\n\n<li><strong>Inflation:<\/strong> CPI inflation around 5\u20136% historically; assume 6% for conservative planning .<br><\/li>\n\n\n\n<li><strong>Withdrawal Rate:<\/strong> The \u201c4% rule\u201d suggests a sustainable withdrawal rate of 4% in retirement ; many experts now use 3.5\u20134% to allow for market fluctuations.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Blended Return Example:<\/strong><strong><br><\/strong> A 60\/20\/20 mix of equities\/EPF\/PPF yields:<br>(0.6\u00d711.7%) + (0.2\u00d78.25%) + (0.2\u00d77.1%) \u2248 <strong>10.4%<\/strong> per annum.<\/p>\n\n\n\n<p>Enter each of these in your template\u2019s assumptions section for accurate projections.<\/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. Customizing Your Excel Template: Step by Step<\/strong><\/h2>\n\n\n\n<p>Below is a generalized process\u2014your chosen template may vary in cell references, but concepts remain the same.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.1. Download &amp; Open the File<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tiller:<\/strong> Visit the guide page and click \u201cDownload the Excel Template\u201d.<br><\/li>\n\n\n\n<li><strong>Vertex42:<\/strong> Click \u201cDownload a free Retirement Calculator\u201d.<br><\/li>\n<\/ul>\n\n\n\n<p>Save a copy named My_Retirement_Plan.xlsx for easy updates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.2. Input Personal Data<\/strong><\/h3>\n\n\n\n<p>In the \u201cProfile\u201d or \u201cInputs\u201d sheet:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Field<\/strong><\/td><td><strong>Example Entry<\/strong><\/td><\/tr><tr><td>Current Age<\/td><td>35<\/td><\/tr><tr><td>Desired Retirement Age<\/td><td>60<\/td><\/tr><tr><td>Current Retirement Corpus<\/td><td>0<\/td><\/tr><tr><td>Annual Contribution<\/td><td>\u20b92,00,000<\/td><\/tr><tr><td>Desired Annual Retirement Income (today\u2019s Rs)<\/td><td>\u20b912,00,000<\/td><\/tr><tr><td>Inflation Rate (%)<\/td><td>6.0<\/td><\/tr><tr><td>Assumed Return Rate (%)<\/td><td>10.4<\/td><\/tr><tr><td>Withdrawal Rate (%)<\/td><td>4.0<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.3. Verify Formulas<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Yearly Balance Growth:<\/strong> Should be:<br>EndBalanceYear_N = (EndBalanceYear_{N-1} + Contribution) \u00d7 (1 + ReturnRate)<br><\/li>\n\n\n\n<li><strong>Real vs. Nominal Values:<\/strong> If the template adjusts for inflation, check it divides nominal balances by (1 + InflationRate)^year.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.4. Extend the Timeline<\/strong><\/h3>\n\n\n\n<p>Ensure the template covers at least until age 100 or 40 years of retirement to model worst\u2011case scenarios.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.5. Add Additional Income Streams<\/strong><\/h3>\n\n\n\n<p>Many templates allow \u201cSide Income\u201d or \u201cPension\u201d inputs. Insert:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Income Source<\/strong><\/td><td><strong>Annual Amount (\u20b9)<\/strong><\/td><\/tr><tr><td>Rental Income<\/td><td>1,20,000<\/td><\/tr><tr><td>PPF Interest<\/td><td>(auto\u2011calculated)<\/td><\/tr><tr><td>EPF Withdrawal<\/td><td>(auto\u2011calculated)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>This gives a more complete picture.<\/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. Scenario Testing &amp; Sensitivity Analysis<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.1. Retirement Age Variation<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Case 1:<\/strong> Retire at 55<br><\/li>\n\n\n\n<li><strong>Case 2:<\/strong> Retire at 60<br><\/li>\n\n\n\n<li><strong>Case 3:<\/strong> Retire at 65<br><\/li>\n<\/ul>\n\n\n\n<p>Use Data \u2192 What\u2011If Analysis \u2192 <strong>Scenario Manager<\/strong> to save each set of inputs. Compare final corpus and years covered by withdrawals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.2. Contribution Changes<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Case A:<\/strong> \u20b91\u202flakh\/year<br><\/li>\n\n\n\n<li><strong>Case B:<\/strong> \u20b92\u202flakh\/year<br><\/li>\n\n\n\n<li><strong>Case C:<\/strong> \u20b93\u202flakh\/year<br><\/li>\n<\/ul>\n\n\n\n<p>A simple <strong>Goal Seek<\/strong> (Data \u2192 What\u2011If Analysis \u2192 Goal Seek) can answer:<\/p>\n\n\n\n<p>\u201cHow much must I save annually to reach a \u20b96\u202fcrore corpus by age\u202f60?\u201d<\/p>\n\n\n\n<p>Set the target cell (final corpus) to value (6,00,00,000) by changing Annual Contribution.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.3. Return &amp; Inflation Swaps<\/strong><\/h3>\n\n\n\n<p>Set up a small table:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Scenario<\/strong><\/td><td><strong>Return (%)<\/strong><\/td><td><strong>Inflation (%)<\/strong><\/td><\/tr><tr><td>Conservative<\/td><td>8.5<\/td><td>6.0<\/td><\/tr><tr><td>Base Case<\/td><td>10.4<\/td><td>6.0<\/td><\/tr><tr><td>Aggressive<\/td><td>12.0<\/td><td>5.0<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Use <strong>Data Validation<\/strong> dropdowns to switch assumptions and watch outcomes update live.<\/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. Integrating Small Savings &amp; Side\u2011Income<\/strong><\/h2>\n\n\n\n<p>Even small contributions add up:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Daily Round\u2011Ups:<\/strong> If you save \u20b910\/day in a liquid fund, that\u2019s \u20b93,650\/year\u2014growing to ~\u20b923,000 in 10\u202fyears at 7%.<br><\/li>\n\n\n\n<li><strong>Annual Bonuses:<\/strong> Plow 100% of bonuses into your retirement template under \u201cLump Sum Contribution.\u201d<br><\/li>\n\n\n\n<li><strong>Side Hustle Earnings:<\/strong> Suppose \u20b95,000\/month from tutoring; add \u20b960,000\/year in the \u201cOther Contributions\u201d row.<br><\/li>\n<\/ul>\n\n\n\n<p>These inputs compound alongside your regular SIPs, giving you a realistic \u201ctotal savings\u201d picture.<\/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. Visualizing Progress: Charts &amp; Dashboards<\/strong><\/h2>\n\n\n\n<p>Most templates include:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Corpus Growth Chart:<\/strong> A line graph showing nominal vs. inflation\u2011adjusted balances over time.<br><\/li>\n\n\n\n<li><strong>Contribution vs. Returns Pie:<\/strong> Illustrates how much of your final corpus comes from your contributions versus investment returns.<br><\/li>\n\n\n\n<li><strong>Withdrawal Sustainability Gauge:<\/strong> Indicates how many years your corpus will support your desired retirement income at the set withdrawal rate.<br><\/li>\n<\/ol>\n\n\n\n<p>If your template lacks visuals, insert:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Line Chart:<\/strong> Series = End Balance (columns: Year, EndBalance)<br><\/li>\n\n\n\n<li><strong>Stacked Area:<\/strong> Series = Contributions, Returns Earned<br><\/li>\n<\/ul>\n\n\n\n<p>Visual feedback keeps motivation high as you see the \u201chockey\u2011stick\u201d effect of compounding.<\/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. Advanced Tips for Tax Efficiency &amp; Inflation Protection<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>8.1. Tax\u2011Saving Investments<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ELSS Funds:<\/strong> Use up to \u20b91.5\u202flakh\/year for Section\u202f80C deductions\u2014also equity exposure.<br><\/li>\n\n\n\n<li><strong>NPS Tier\u202fI:<\/strong> Additional \u20b950,000 deduction under Section\u202f80CCD(1B)\u2014market\u2011linked returns.<br><\/li>\n\n\n\n<li><strong>PPF:<\/strong> \u20b91.5\u202flakh limit, EEE (Exempt\u2011Exempt\u2011Exempt) status, 7.1% p.a.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>8.2. Inflation\u2011Linked Bonds<\/strong><\/h3>\n\n\n\n<p>Consider <strong>Inflation\u2011Indexed National Savings Securities-Cumulative<\/strong> at <strong>7.79% + CPI<\/strong>\u2014protects purchasing power.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>8.3. Portfolio Rebalancing<\/strong><\/h3>\n\n\n\n<p>Annually shift 1\u20132% of your equity exposure into safer assets (PPF, debt funds) as you approach retirement to lock in gains and reduce volatility.<\/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. Staying on Track: Quarterly &amp; Annual Reviews<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Quarterly Check:<\/strong> Compare actual portfolio returns (from your brokerage or fund statements) to the template\u2019s assumed return. Adjust your contribution or asset mix if real returns fall short.<br><\/li>\n\n\n\n<li><strong>Annual Deep Dive:<\/strong> Revisit your retirement age, desired retirement income (current lifestyle costs), and tax laws. Update assumptions accordingly.<br><\/li>\n<\/ul>\n\n\n\n<p>Set calendar reminders to ensure your plan evolves with your life and changing economic 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>Conclusion<\/strong><\/h2>\n\n\n\n<p>A free Excel template turns retirement planning from a guessing game into a transparent, adaptable roadmap. By downloading a high\u2011quality 2025 template (from Tiller, PLIndia, or Vertex42), entering realistic Indian return and inflation rates (10.4%, 6%), and customizing contributions, you gain the power to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compare retirement ages and savings rates<br><\/li>\n\n\n\n<li>See exactly how your corpus grows year by year<br><\/li>\n\n\n\n<li>Test \u201cwhat\u2011if\u201d scenarios with intuitive tools<br><\/li>\n\n\n\n<li>Integrate extra income, bonuses, and small\u2011change savings<br><\/li>\n\n\n\n<li>Protect against inflation and optimize for taxes<br><\/li>\n<\/ul>\n\n\n\n<p>Download your template today, set up your inputs, and take control of your financial future. With regular reviews and disciplined contributions, retirement confidence is just a spreadsheet away.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Retirement planning can feel overwhelming\u2014especially when you\u2019re juggling bills, savings, and investments in your busy life. Yet having a clear roadmap is essential: without one, you risk under\u2011saving or waiting too long to adjust. An Excel template simplifies this process by automating the math, letting you focus on the decisions that matter. 1. Why Use an Excel Template for Retirement Planning? An Excel template becomes your financial dashboard, guiding decisions with concrete numbers rather than vague goals. 2. Top Free Retirement Excel Templates for 2025 Several high\u2011quality templates are available\u2014each with unique features: Tip: Download at least two templates to compare features. Then choose the one that fits your planning style\u2014whether you prefer visual dashboards, detailed line\u2011item breakdowns, or simple goal trackers. 3. Setting Realistic Return &amp; Inflation Assumptions Your template will project future values based on assumed rates. In India as of mid\u20112025: Blended Return Example: A 60\/20\/20 mix of equities\/EPF\/PPF yields:(0.6\u00d711.7%) + (0.2\u00d78.25%) + (0.2\u00d77.1%) \u2248 10.4% per annum. Enter each of these in your template\u2019s assumptions section for accurate projections. 4. Customizing Your Excel Template: Step by Step Below is a generalized process\u2014your chosen template may vary in cell references, but concepts remain the same. 4.1. Download &amp; Open the File Save a copy named My_Retirement_Plan.xlsx for easy updates. 4.2. Input Personal Data In the \u201cProfile\u201d or \u201cInputs\u201d sheet: Field Example Entry Current Age 35 Desired Retirement Age 60 Current Retirement Corpus 0 Annual Contribution \u20b92,00,000 Desired Annual Retirement Income (today\u2019s Rs) \u20b912,00,000 Inflation Rate (%) 6.0 Assumed Return Rate (%) 10.4 Withdrawal Rate (%) 4.0 4.3. Verify Formulas 4.4. Extend the Timeline Ensure the template covers at least until age 100 or 40 years of retirement to model worst\u2011case scenarios. 4.5. Add Additional Income Streams Many templates allow \u201cSide Income\u201d or \u201cPension\u201d inputs. Insert: Income Source Annual Amount (\u20b9) Rental Income 1,20,000 PPF Interest (auto\u2011calculated) EPF Withdrawal (auto\u2011calculated) This gives a more complete picture. 5. Scenario Testing &amp; Sensitivity Analysis 5.1. Retirement Age Variation Use Data \u2192 What\u2011If Analysis \u2192 Scenario Manager to save each set of inputs. Compare final corpus and years covered by withdrawals. 5.2. Contribution Changes A simple Goal Seek (Data \u2192 What\u2011If Analysis \u2192 Goal Seek) can answer: \u201cHow much must I save annually to reach a \u20b96\u202fcrore corpus by age\u202f60?\u201d Set the target cell (final corpus) to value (6,00,00,000) by changing Annual Contribution. 5.3. Return &amp; Inflation Swaps Set up a small table: Scenario Return (%) Inflation (%) Conservative 8.5 6.0 Base Case 10.4 6.0 Aggressive 12.0 5.0 Use Data Validation dropdowns to switch assumptions and watch outcomes update live. 6. Integrating Small Savings &amp; Side\u2011Income Even small contributions add up: These inputs compound alongside your regular SIPs, giving you a realistic \u201ctotal savings\u201d picture. 7. Visualizing Progress: Charts &amp; Dashboards Most templates include: If your template lacks visuals, insert: Visual feedback keeps motivation high as you see the \u201chockey\u2011stick\u201d effect of compounding. 8. Advanced Tips for Tax Efficiency &amp; Inflation Protection 8.1. Tax\u2011Saving Investments 8.2. Inflation\u2011Linked Bonds Consider Inflation\u2011Indexed National Savings Securities-Cumulative at 7.79% + CPI\u2014protects purchasing power. 8.3. Portfolio Rebalancing Annually shift 1\u20132% of your equity exposure into safer assets (PPF, debt funds) as you approach retirement to lock in gains and reduce volatility. 9. Staying on Track: Quarterly &amp; Annual Reviews Set calendar reminders to ensure your plan evolves with your life and changing economic conditions. Conclusion A free Excel template turns retirement planning from a guessing game into a transparent, adaptable roadmap. By downloading a high\u2011quality 2025 template (from Tiller, PLIndia, or Vertex42), entering realistic Indian return and inflation rates (10.4%, 6%), and customizing contributions, you gain the power to: Download your template today, set up your inputs, and take control of your financial future. With regular reviews and disciplined contributions, retirement confidence is just a spreadsheet away. 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