{"id":1289,"date":"2025-06-29T17:17:32","date_gmt":"2025-06-29T17:17:32","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1289"},"modified":"2025-06-23T13:42:07","modified_gmt":"2025-06-23T13:42:07","slug":"zero%e2%80%91to%e2%80%91%e2%82%b91-crore-the-ultimate-saving-blueprint","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/zero%e2%80%91to%e2%80%91%e2%82%b91-crore-the-ultimate-saving-blueprint\/","title":{"rendered":"Zero\u2011to\u2011\u20b91 Crore: The Ultimate Saving Blueprint"},"content":{"rendered":"\n<p>Dreaming of a \u20b91\u202fCrore corpus might feel out of reach if you\u2019re just starting out. Yet, with the right plan, disciplined habits, and knowledge of today\u2019s best saving options, anyone can turn small sacrifices into significant wealth over time. This guide lays out a step\u2011by\u2011step blueprint\u2014that takes you from zero to \u20b91\u202fCrore through realistic saving and investment strategies suited to the current market.<\/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 Aim for \u20b91\u202fCrore?<\/strong><\/h2>\n\n\n\n<p>Building a \u20b91\u202fCrore corpus offers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Financial freedom:<\/strong> Enough cushion to start a business, change careers, or pursue passions<br><\/li>\n\n\n\n<li><strong>Retirement comfort:<\/strong> A solid nest egg to supplement pension or provident fund<br><\/li>\n\n\n\n<li><strong>Peace of mind:<\/strong> Confidence that you can handle life\u2019s big expenses<br><\/li>\n<\/ul>\n\n\n\n<p>A clear goal motivates consistent action\u2014so let\u2019s break down how to get there.<\/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. Setting Your Financial Goal<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Target amount:<\/strong> \u20b91\u202fCrore in 10, 15, or 20 years (your choice).<br><\/li>\n\n\n\n<li><strong>Time horizon:<\/strong> The longer you have, the less you need to save each month to reach the same goal.<br><\/li>\n\n\n\n<li><strong>Monthly target:<\/strong> Use a SIP calculator to find out how much you need to invest monthly. For example, to build \u20b91\u202fCrore in 15 years at an assumed 12% annual return, you\u2019d invest around \u20b921,000 per month.<br><\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Know Your Numbers<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.1 Track Income &amp; Expenses<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Income sources:<\/strong> Salary, freelance, rental, dividends<br><\/li>\n\n\n\n<li><strong>Fixed costs:<\/strong> Rent, utilities, EMIs<br><\/li>\n\n\n\n<li><strong>Variable spends:<\/strong> Groceries, dining, shopping<br><\/li>\n<\/ul>\n\n\n\n<p>Record every rupee for one month\u2014use a simple spreadsheet or a notes app. This \u201creality check\u201d shows where you can cut back.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.2 Calculate Your Savings Rate<\/strong><\/h3>\n\n\n\n<p>Your savings rate = (Total Monthly Savings \u00f7 Net Monthly Income) \u00d7\u202f100<br>Aim for at least <strong>30\u201340%<\/strong> of your income directed towards investments and savings.<\/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. Build a Lean Budget<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.1 The Modified 50\/20\/30 Rule<\/strong><\/h3>\n\n\n\n<p>On higher incomes, the classic 50\/30\/20 (needs\/wants\/savings) works well. But if you\u2019re targeting \u20b91\u202fCrore aggressively:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Needs:<\/strong> 50%<br><\/li>\n\n\n\n<li><strong>Wants:<\/strong> 10%<br><\/li>\n\n\n\n<li><strong>Savings &amp; Investments:<\/strong> 40%<br><\/li>\n<\/ul>\n\n\n\n<p>If you earn \u20b950,000 net, that means \u20b920,000 per month for saving\/investing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.2 Trim Non\u2011Essentials<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cook at home instead of ordering out<br><\/li>\n\n\n\n<li>Pause under\u2011used subscriptions<br><\/li>\n\n\n\n<li>Opt for public transport or carpool<br><\/li>\n<\/ul>\n\n\n\n<p>These small cuts\u2014\u20b91,000\u2013\u20b92,000 saved monthly\u2014can add up to lakhs 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>5. Automate Your Saving &amp; Investing<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Standing instructions:<\/strong> Schedule auto\u2011transfers on payday into a designated \u201cInvestment\u201d account.<br><\/li>\n\n\n\n<li><strong>SIP mandates:<\/strong> Set up Systematic Investment Plans in mutual funds so a fixed sum moves automatically every month.<br><\/li>\n<\/ol>\n\n\n\n<p>Automation ensures you \u201cpay yourself first\u201d before temptation strikes.<\/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. Choose the Right Savings &amp; Investment Vehicles<\/strong><\/h2>\n\n\n\n<p>Today\u2019s market offers a range of options. We\u2019ll group them by risk and lock\u2011in.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.1 Safe &amp; Liquid (Low Risk)<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Instrument<\/strong><\/td><td><strong>Approx. Rate (p.a.)<\/strong><\/td><td><strong>Liquidity<\/strong><\/td><\/tr><tr><td>Savings Account (Zero\u2011balance)<\/td><td>~2.5%<\/td><td>Instant<\/td><\/tr><tr><td>Public Provident Fund (PPF)<\/td><td>7.1%&nbsp;<\/td><td>15\u2011year lock\u2011in<\/td><\/tr><tr><td>Employees\u2019 Provident Fund (EPF)<\/td><td>8.25%<\/td><td>Until retirement<\/td><\/tr><tr><td>Post Office Small Savings Schemes (5\u202fY RD)<\/td><td>6.7%\u20137.5%<\/td><td>Tenure-specific<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Why Use Them?<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Guarantees:<\/strong> Backed by government<br><\/li>\n\n\n\n<li><strong>Tax breaks:<\/strong> PPF and EPF contributions get Section\u202f80C deduction<br><\/li>\n\n\n\n<li><strong>Stability:<\/strong> Protects principal<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.2 Moderate Risk (Debt &amp; Hybrid Funds)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Recurring Deposits (RD):<\/strong> 6.5%\u20137% p.a., fixed monthly contribution<br><\/li>\n\n\n\n<li><strong>Liquid or Ultra\u2011Short Debt Funds:<\/strong> 4%\u20135% p.a., easy withdrawals<br><\/li>\n\n\n\n<li><strong>Balanced\/Hybrid Mutual Funds:<\/strong> Mix of equity (up to 65%) and debt<br><\/li>\n<\/ul>\n\n\n\n<p>Use these to park your \u201cmedium\u2011term\u201d goals (2\u20135 years) with slightly higher returns than pure debt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.3 Growth\u2011Oriented (Higher Risk)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Equity Mutual Funds (Large\u2011cap, Multi\u2011cap, Thematic SIPs):<\/strong> 12%\u201315% p.a. over the long term<br><\/li>\n\n\n\n<li><strong>Direct Equity (Blue\u2011chip stocks):<\/strong> Potentially 13%\u201318% p.a., but requires research<br><\/li>\n\n\n\n<li><strong>Digital Gold &amp; Gold ETFs:<\/strong> 6%\u20138% p.a. correlation with gold price<br><\/li>\n<\/ul>\n\n\n\n<p>For \u20b91\u202fCrore in 15+ years, the bulk of your portfolio should be in growth assets (60\u201380%).<\/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. Creating Your Portfolio Blueprint<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Emergency Fund (10% of corpus):<\/strong> Keep 3\u20136 months of expenses in a savings account\/liquid fund.<br><\/li>\n\n\n\n<li><strong>Debt Allocation (20\u201330%):<\/strong> PPF, EPF, RDs, liquid funds for stability.<br><\/li>\n\n\n\n<li><strong>Equity Allocation (60\u201370%):<\/strong> SIPs in diversified and sectoral funds.<br><\/li>\n<\/ol>\n\n\n\n<p>Rebalance annually to maintain your target ratio.<\/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. SIPs: Your Power Tool<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Start SIPs of <strong>\u20b95,000\u2013\u20b910,000<\/strong> in large\u2011cap and multi\u2011cap funds.<br><\/li>\n\n\n\n<li>Add thematic or mid\u2011cap SIPs once you\u2019re comfortable.<br><\/li>\n\n\n\n<li>Increase SIP amounts by 5\u201310% each year to ride salary hikes.<br><\/li>\n<\/ul>\n\n\n\n<p>Over 15 years, a monthly SIP of \u20b915,000 at 12% returns becomes close to \u20b91\u202fCrore.<\/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. Boosting Income<\/strong><\/h2>\n\n\n\n<p>Reaching \u20b91\u202fCrore faster often means earning more:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Freelance gigs:<\/strong> Writing, design, tutoring<br><\/li>\n\n\n\n<li><strong>Part\u2011time skills:<\/strong> Digital marketing, coding, language coaching<br><\/li>\n\n\n\n<li><strong>Passive streams:<\/strong> Affiliate blogs, YouTube channels<br><\/li>\n<\/ul>\n\n\n\n<p>Even an extra \u20b95,000 per month invested can shave years off your goal.<\/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. Mindset &amp; Discipline<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Treat investments as bills:<\/strong> Non\u2011negotiable every month.<br><\/li>\n\n\n\n<li><strong>Avoid emotional trades:<\/strong> Don\u2019t chase \u201chot tips\u201d or panic\u2011sell during dips.<br><\/li>\n\n\n\n<li><strong>Stay patient:<\/strong> Markets swing, but long\u2011term trends reward discipline.<br><\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>11. Tracking &amp; Review<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly:<\/strong> Check SIP mandates and bank transfers.<br><\/li>\n\n\n\n<li><strong>Quarterly:<\/strong> Review fund performance; top up or switch if needed.<br><\/li>\n\n\n\n<li><strong>Annually:<\/strong> Rebalance to your 60\/40 or 70\/30 equity\u2011debt split.<br><\/li>\n<\/ul>\n\n\n\n<p>Apps like Groww, Zerodha Coin, or ETMoney simplify tracking.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>12. Real\u2011Life Timeline Example<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Year<\/strong><\/td><td><strong>Annual Savings<\/strong><\/td><td><strong>Avg. Return<\/strong><\/td><td><strong>Corpus at Year End<\/strong><\/td><\/tr><tr><td>1<\/td><td>\u20b92\u202fLakh<\/td><td>8%<\/td><td>\u20b92.16\u202fLakh<\/td><\/tr><tr><td>5<\/td><td>\u20b910\u202fLakh<\/td><td>10%<\/td><td>\u20b912.2\u202fLakh<\/td><\/tr><tr><td>10<\/td><td>\u20b920\u202fLakh<\/td><td>11%<\/td><td>\u20b947.6\u202fLakh<\/td><\/tr><tr><td>15<\/td><td>\u20b924\u202fLakh<\/td><td>12%<\/td><td>\u20b91.01\u202fCrore<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>This assumes gradually increasing savings as income grows and shifting more into equities for higher returns.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>13. Common Pitfalls &amp; How to Avoid Them<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Pitfall<\/strong><\/td><td><strong>Fix<\/strong><\/td><\/tr><tr><td>Skipping SIPs when markets dip<\/td><td>Stick to SIP; rupee cost averaging works in your favour<\/td><\/tr><tr><td>Chasing high returns only<\/td><td>Balance risk; don\u2019t overload on volatile small\u2011caps<\/td><\/tr><tr><td>Ignoring tax impact<\/td><td>Use Section\u202f80C wisely; consider ELSS for equity tax saving<\/td><\/tr><tr><td>Forgetting to rebalance<\/td><td>Set calendar reminders for annual portfolio check\u2011up<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>14. Conclusion<\/strong><\/h2>\n\n\n\n<p>Turning zero into \u20b91\u202fCrore is a marathon, not a sprint. By tracking your money, automating savings, choosing the right mix of safe and growth instruments, and maintaining discipline, you can steadily build a seven\u2011figure portfolio. Start today with a clear goal, a simple budget, and a small SIP\u2014over time, these disciplined steps compound into life\u2011changing wealth.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dreaming of a \u20b91\u202fCrore corpus might feel out of reach if you\u2019re just starting out. Yet, with the right plan, disciplined habits, and knowledge of today\u2019s best saving options, anyone can turn small sacrifices into significant wealth over time. This guide lays out a step\u2011by\u2011step blueprint\u2014that takes you from zero to \u20b91\u202fCrore through realistic saving and investment strategies suited to the current market. 1. Why Aim for \u20b91\u202fCrore? Building a \u20b91\u202fCrore corpus offers: A clear goal motivates consistent action\u2014so let\u2019s break down how to get there. 2. Setting Your Financial Goal 3. Know Your Numbers 3.1 Track Income &amp; Expenses Record every rupee for one month\u2014use a simple spreadsheet or a notes app. This \u201creality check\u201d shows where you can cut back. 3.2 Calculate Your Savings Rate Your savings rate = (Total Monthly Savings \u00f7 Net Monthly Income) \u00d7\u202f100Aim for at least 30\u201340% of your income directed towards investments and savings. 4. Build a Lean Budget 4.1 The Modified 50\/20\/30 Rule On higher incomes, the classic 50\/30\/20 (needs\/wants\/savings) works well. But if you\u2019re targeting \u20b91\u202fCrore aggressively: If you earn \u20b950,000 net, that means \u20b920,000 per month for saving\/investing. 4.2 Trim Non\u2011Essentials These small cuts\u2014\u20b91,000\u2013\u20b92,000 saved monthly\u2014can add up to lakhs over a decade. 5. Automate Your Saving &amp; Investing Automation ensures you \u201cpay yourself first\u201d before temptation strikes. 6. Choose the Right Savings &amp; Investment Vehicles Today\u2019s market offers a range of options. We\u2019ll group them by risk and lock\u2011in. 6.1 Safe &amp; Liquid (Low Risk) Instrument Approx. Rate (p.a.) Liquidity Savings Account (Zero\u2011balance) ~2.5% Instant Public Provident Fund (PPF) 7.1%&nbsp; 15\u2011year lock\u2011in Employees\u2019 Provident Fund (EPF) 8.25% Until retirement Post Office Small Savings Schemes (5\u202fY RD) 6.7%\u20137.5% Tenure-specific Why Use Them? 6.2 Moderate Risk (Debt &amp; Hybrid Funds) Use these to park your \u201cmedium\u2011term\u201d goals (2\u20135 years) with slightly higher returns than pure debt. 6.3 Growth\u2011Oriented (Higher Risk) For \u20b91\u202fCrore in 15+ years, the bulk of your portfolio should be in growth assets (60\u201380%). 7. Creating Your Portfolio Blueprint Rebalance annually to maintain your target ratio. 8. SIPs: Your Power Tool Over 15 years, a monthly SIP of \u20b915,000 at 12% returns becomes close to \u20b91\u202fCrore. 9. Boosting Income Reaching \u20b91\u202fCrore faster often means earning more: Even an extra \u20b95,000 per month invested can shave years off your goal. 10. Mindset &amp; Discipline 11. Tracking &amp; Review Apps like Groww, Zerodha Coin, or ETMoney simplify tracking. 12. Real\u2011Life Timeline Example Year Annual Savings Avg. Return Corpus at Year End 1 \u20b92\u202fLakh 8% \u20b92.16\u202fLakh 5 \u20b910\u202fLakh 10% \u20b912.2\u202fLakh 10 \u20b920\u202fLakh 11% \u20b947.6\u202fLakh 15 \u20b924\u202fLakh 12% \u20b91.01\u202fCrore This assumes gradually increasing savings as income grows and shifting more into equities for higher returns. 13. Common Pitfalls &amp; How to Avoid Them Pitfall Fix Skipping SIPs when markets dip Stick to SIP; rupee cost averaging works in your favour Chasing high returns only Balance risk; don\u2019t overload on volatile small\u2011caps Ignoring tax impact Use Section\u202f80C wisely; consider ELSS for equity tax saving Forgetting to rebalance Set calendar reminders for annual portfolio check\u2011up 14. Conclusion Turning zero into \u20b91\u202fCrore is a marathon, not a sprint. By tracking your money, automating savings, choosing the right mix of safe and growth instruments, and maintaining discipline, you can steadily build a seven\u2011figure portfolio. Start today with a clear goal, a simple budget, and a small SIP\u2014over time, these disciplined steps compound into life\u2011changing wealth. 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-1289","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1289","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=1289"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1289\/revisions"}],"predecessor-version":[{"id":1304,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1289\/revisions\/1304"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1289"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1289"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1289"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}