{"id":10715,"date":"2024-03-31T22:57:38","date_gmt":"2024-03-31T22:57:38","guid":{"rendered":"https:\/\/moneytology.com\/7-stages-of-financial-independence\/"},"modified":"2024-03-31T22:57:40","modified_gmt":"2024-03-31T22:57:40","slug":"7-stages-of-financial-independence","status":"publish","type":"post","link":"https:\/\/moneytology.com\/7-stages-of-financial-independence\/","title":{"rendered":"7 Stages of Financial Independence: A Comprehensive Guide (2024)"},"content":{"rendered":"<p>Ready to take charge of your future and achieve <b>financial independence<\/b>? Building wealth and finding <b>financial stability<\/b> can seem daunting. But don&#8217;t worry, I&#8217;ve got you covered. In this guide, I&#8217;ll outline the <b>7 stages of financial independence<\/b>. Think of it as a map leading you to wealth and freedom. As you move from one stage to the next, you&#8217;ll get closer to your ultimate goal of <b>financial freedom<\/b>.<\/p>\n<h3>Key Takeaways:<\/h3>\n<ul>\n<li>By progressing through the 7 stages, you can achieve <b>financial independence<\/b> and escape the rat race.<\/li>\n<li>Start by gaining clarity about your financial situation and improving your financial literacy.<\/li>\n<li>Move towards self-sufficiency by meeting your financial obligations without relying on debt.<\/li>\n<li>Reach the breathing room stage where you have <b>extra money for investments and savings<\/b>.<\/li>\n<li>Attain stability by <b>paying off high-interest debt<\/b> and building an emergency fund.<\/li>\n<\/ul>\n<h2>Level 1: Clarity<\/h2>\n<p>The first step to <b>financial freedom<\/b> is understanding your money &#8211; that&#8217;s <em>financial clarity<\/em>. This means knowing where you stand today and how to learn more about managing your finances. Once you know your financial status and what you want to achieve, you&#8217;re set for a brighter future.<\/p>\n<p>Start by figuring out your <em>net worth<\/em>. This is what you own minus what you owe. It gives a clear snapshot of your finances. This first step is crucial for wealth building.<\/p>\n<p>But it&#8217;s not all about the numbers. Think about why you want <b>financial freedom<\/b>. Is it to retire early, provide for your loved ones, or enjoy your hobbies without worry? Knowing why will keep you motivated.<\/p>\n<p>There are many tools to help you. Platforms like <em>Betterment<\/em>, <em>You Need a Budget<\/em>, and <em>Personal Capital<\/em> are great. They let you track spending, make budgets, and see your financial health. These user-friendly tools keep you on track and deepen your financial knowledge.<\/p>\n<h3>Key steps to financial clarity:<\/h3>\n<ol>\n<li>Calculate your net worth to assess your financial standing.<\/li>\n<li>Identify your motivations and reasons for pursuing <b>financial independence<\/b>.<\/li>\n<li>Utilize financial management tools like Betterment, You Need a Budget, or Personal Capital to gain insights into your financial health.<\/li>\n<li>Set clear goals for your financial journey.<\/li>\n<\/ol>\n<p><em>Financial clarity<\/em> lays the groundwork for financial independence and wealth. It helps you make smarter choices and control your future. Begin by evaluating where you are today, setting your aims, and learning more about finance. With clarity, the path to financial freedom is closer than you think.<\/p>\n<h2>Level 2: Self-Sufficiency<\/h2>\n<p>After we understand our money situation, we must aim for self-sufficiency. This level means we can pay our bills without using debt or outside help. This allows us to create a solid base for the future.<\/p>\n<p>Living within our means is key at this point. We need to stay away from spending too much or using credit cards and loans more than needed. Being smart about our money and cutting unnecessary expenses leads to stability and independence.<\/p>\n<blockquote>\n<p>&#8220;Financial self-sufficiency means having control over our finances and being able to cover our living expenses without accumulating unnecessary debt.&#8221; &#8211; Dave Ramsey<\/p>\n<\/blockquote>\n<p>For self-sufficiency, we should pay our bills and essentials on time. This includes rent, utilities, and other important payments. Keeping up with these payments stops late fees and debt stress.<\/p>\n<p>Good finance management also means making and following a budget. When we know where our money is going, we can make better choices. Setting financial goals and being mindful of spending helps us lower needless costs and save more.<\/p>\n<\/p>\n<p><div class=\"nv-iframe-embed\"><iframe title=\"The 7 Stages Of Financial Freedom\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/zQ0Ojy-0VEs?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/p>\n<p>In this phase, knowing what we need versus what we want is critical. Focusing on necessities and skipping extra buys lets us save and invest more. This smart habit builds a strong financial foundation.<\/p>\n<p>To be self-sufficient, discipline, dedication, and <b>avoiding debt<\/b> are necessary. An emergency fund is also vital. It guards against unexpected expenses and lessens the need to borrow during tough times.<\/p>\n<p>Aiming for self-sufficiency is the start of greater financial freedom. By spending wisely, lowering debt, and managing money well, we can move confidently to the next level. This helps us create a future of wealth and liberty.<\/p>\n<h3>Budgeting Tips for Self-Sufficiency:<\/h3>\n<ul>\n<li>Create a realistic budget that aligns with your current income and financial goals.<\/li>\n<li>Track and categorize your expenses to identify areas where you can reduce spending.<\/li>\n<li>Pay off high-interest debt to free up more money for savings and investments.<\/li>\n<li>Automate your savings by setting up automatic transfers to a separate savings account.<\/li>\n<li>Regularly review and adjust your budget as your income or expenses change.<\/li>\n<\/ul>\n<h3>Key Takeaways<\/h3>\n<ul>\n<li>Self-sufficiency is an important milestone on the path to financial independence.<\/li>\n<li>It involves <b>meeting financial obligations<\/b> without relying on debt or external assistance.<\/li>\n<li>Living within one&#8217;s means, avoiding excessive debt, and managing finances responsibly are key factors in achieving self-sufficiency.<\/li>\n<li>Creating and sticking to a budget, prioritizing essential expenses, and building an emergency fund are essential steps towards this goal.<\/li>\n<li>By striving for <b>financial self-sufficiency<\/b>, we can establish a strong foundation for our financial future and progress towards higher levels of financial independence.<\/li>\n<\/ul>\n<table>\n<tr>\n<th>Level<\/th>\n<th>Description<\/th>\n<\/tr>\n<tr>\n<td>Level 1: Clarity<\/td>\n<td>Understanding your current financial situation and identifying goals for financial independence.<\/td>\n<\/tr>\n<tr>\n<td>Level 2: Self-Sufficiency<\/td>\n<td><b>Meeting financial obligations<\/b> without relying on debt or external assistance.<\/td>\n<\/tr>\n<tr>\n<td>Level 3: Breathing Room<\/td>\n<td>Having <b>extra money for investments and savings<\/b> after covering essential expenses.<\/td>\n<\/tr>\n<tr>\n<td>Level 4: Stability<\/td>\n<td><b>Paying off high-interest debt<\/b> and building an emergency fund for financial security.<\/td>\n<\/tr>\n<tr>\n<td>Level 5: Flexibility<\/td>\n<td>Gaining enough savings to have flexibility in life choices and exploring <b>lean FIRE<\/b>.<\/td>\n<\/tr>\n<tr>\n<td>Level 6: Financial Independence<\/td>\n<td>Relying on income generated from investments to cover living expenses.<\/td>\n<\/tr>\n<tr>\n<td>Level 7: <b>Abundant Wealth<\/b><\/td>\n<td>Having more than enough money to sustain a desired lifestyle and pursue passions.<\/td>\n<\/tr>\n<\/table>\n<h2>Level 3: Breathing Room<\/h2>\n<p>After gaining control of your finances and becoming self-sufficient, it&#8217;s time for the next step: finding breathing room. At this stage, you&#8217;ll have more money left after paying for necessities. This extra cash allows you to progress further in your financial journey.<\/p>\n<p>With this extra money, you can look into investments like stocks. Investing in stocks may increase your wealth over time, helping you reach your financial dreams. Yet, it&#8217;s crucial to learn about the risks first. You should talk to a financial advisor or look up reliable investment facts to make wise choices.<\/p>\n<\/p>\n<blockquote><p>Remember, investing is for the long haul. Smart investors spread their risks and don&#8217;t rely on a single investment. A diverse investment plan can lower risks and boost your chances of financial success.<\/p><\/blockquote>\n<p>Also, having more <b>financial flexibility<\/b> lets you save for emergencies. Unexpected events, like car repairs or medical bills, can happen. An emergency fund acts as a backup for these surprises. Try to save a fund that covers three to six months of living costs in an account you can easily access.<\/p>\n<p>Having financial leeway also helps manage sudden expenses better. If an unforeseen bill arrives, you won&#8217;t have to panic or use credit cards. You can pay it using your savings or emergency fund. This readiness reduces financial stress, enhancing your life quality.<\/p>\n<p>No longer living paycheck to paycheck, you can focus on important financial ambitions. You can use your spare cash for big goals, like buying a house, starting a venture, or saving for retirement. This <b>financial stability<\/b> encourages you to look ahead and plan for the future confidently.<\/p>\n<h2>Level 4: Stability<\/h2>\n<p>I reached level 4: Stability in my journey towards financial freedom. This level is a key milestone. Here, I focused on paying off high-interest debts and saving for emergencies.<\/p>\n<p>Paying off high-interest debts, like credit card balances, was a key step. It freed me from a cycle of debt. This allowed me to focus on growing my wealth.<\/p>\n<blockquote><p>\u201cPaying off my high-interest debt was like lifting a weight off my shoulders. It provided me with a sense of financial freedom and allowed me to take control of my financial future.\u201d<\/p><\/blockquote>\n<p>Creating an emergency fund was also a priority. This fund acts as a safety net for unexpected events. I aimed to save enough to cover six months of living expenses. This gave me a buffer in tough times.<\/p>\n<p>With stability, I felt secure and confident about my finances. I didn&#8217;t worry about job loss or sudden expenses anymore. This is because my debts were paid, and I had savings.<\/p>\n<p>Reaching stability let me focus on future financial goals. It paved the way to explore new opportunities. It also helped me make smart financial choices.<\/p>\n<table>\n<tr>\n<th>Benefits of Level 4: Stability<\/th>\n<th><\/th>\n<\/tr>\n<tr>\n<td>Freedom from high-interest debt<\/td>\n<td><em>Paying off debts provides financial freedom and eliminates a major financial burden.<\/em><\/td>\n<\/tr>\n<tr>\n<td>Peace of mind<\/td>\n<td><em>The presence of an emergency fund leads to a sense of security and confidence in facing unexpected situations.<\/em><\/td>\n<\/tr>\n<tr>\n<td>Enhanced focus<\/td>\n<td><em>Financial stability allows individuals to concentrate on long-term financial goals without distraction.<\/em><\/td>\n<\/tr>\n<tr>\n<td>Reduced stress<\/td>\n<td><em>Eliminating high-interest debt and having emergency savings alleviates financial stress.<\/em><\/td>\n<\/tr>\n<\/table>\n<p><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/moneytology.com\/wp-content\/uploads\/2024\/03\/financial-stability.jpg\" alt=\"financial stability\" title=\"financial stability\" width=\"1024\" height=\"1024\" class=\"aligncenter size-large wp-image-10718\" srcset=\"https:\/\/moneytology.com\/wp-content\/uploads\/2024\/03\/financial-stability.jpg 1024w, https:\/\/moneytology.com\/wp-content\/uploads\/2024\/03\/financial-stability-300x300.jpg 300w, https:\/\/moneytology.com\/wp-content\/uploads\/2024\/03\/financial-stability-150x150.jpg 150w, https:\/\/moneytology.com\/wp-content\/uploads\/2024\/03\/financial-stability-768x768.jpg 768w, https:\/\/moneytology.com\/wp-content\/uploads\/2024\/03\/financial-stability-120x120.jpg 120w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2>Level 5: Flexibility<\/h2>\n<p>Reaching level 5 brought me <b>financial flexibility<\/b> I&#8217;d never known. At this point, I could make choices without worrying about money. This freedom was due to my savings.<\/p>\n<p>I aimed to save two years&#8217; worth of living expenses. This safety net boosted my confidence to make big life changes. It led me to explore new passions and enjoy life more.<\/p>\n<p><b>Lean FIRE<\/b> fascinated me here. It means living frugally to retire early. This lifestyle speeds up financial independence.<\/p>\n<blockquote><p><b>Lean FIRE<\/b> combines financial freedom with intentional living. It&#8217;s about spending less to live more, under your terms.<\/p><\/blockquote>\n<p>Adopting lean FIRE involves mindful spending and valuing happiness over things. It encourages focusing on experiences and meaningful relationships.<\/p>\n<h3>Benefits of Financial Flexibility<\/h3>\n<p><b>Financial flexibility<\/b> has many benefits:<\/p>\n<ul>\n<li>New career paths became options because I had financial backup.<\/li>\n<li>It allowed me to learn new skills, making me more valuable professionally.<\/li>\n<li>I could handle unexpected expenses without hurting my finances.<\/li>\n<li>It meant I could make life choices freely, without money worries.<\/li>\n<\/ul>\n<h3>Personal Story: Embracing Financial Flexibility<\/h3>\n<p>Financial flexibility let me change my life. I saved enough to consider new possibilities.<\/p>\n<p>I left a stressful job to start my own business. This decision was fueled by the financial freedom I had achieved.<\/p>\n<p>This leap was possible because I was not afraid to risk. Financial security gave me the courage to follow my dreams.<\/p>\n<p>This journey has been transformative. Financial flexibility allowed me to prioritize what truly matters. It helped me live on my terms.<\/p>\n<p>Next, I will talk about the sixth level of financial independence. Stay tuned!<\/p>\n<h2>Level 6: Financial Independence<\/h2>\n<p>Financial independence marks a big step towards financial freedom. It means you&#8217;re financially stable thanks to your investments. These can be from a mix of investments or income from <b>rental properties<\/b>.<\/p>\n<p>To get there, you need to save and invest wisely. It&#8217;s important to make smart choices to increase income and cut costs. Managing your investments and looking into real estate can help you earn <b>passive income<\/b>.<\/p>\n<p>A key method to achieve financial independence is to diversify your investments. This means putting your money in stocks, bonds, and real estate. Diversification helps reduce risks and can lead to better returns.<\/p>\n<p><b>Rental properties<\/b> are another great way to make <b>passive income<\/b>. Real estate investments can give you a steady flow of money. But, you need to do your homework and have good management strategies.<\/p>\n<blockquote><p> &#8220;Financial independence is not about amassing wealth for the sake of it. It&#8217;s about having the freedom to live life on your own terms and pursue the things that truly matter to you.&#8221; <\/p><\/blockquote>\n<p>To aim for financial independence, you might have to live more simply. This could mean living in a smaller place or spending less. Saving every dollar can move you closer to your goal.<\/p>\n<p>It takes hard work and patience to reach financial independence. Keeping an eye on your investments and adjusting your strategies is crucial. This helps you get the most from your investments while lowering risks.<\/p>\n<h3>Advantages of Financial Independence<\/h3>\n<p>Getting to financial independence has many perks. Here are some benefits:<\/p>\n<ul>\n<li><strong>Freedom and flexibility:<\/strong> It lets you make choices freely, without financial worries. You can follow your passions, travel, start a business, or retire early as you wish.<\/li>\n<li><strong>Peace of mind:<\/strong> It offers a sense of security. You know you can support your lifestyle and manage unexpected costs.<\/li>\n<li><strong>Reduced stress:<\/strong> It significantly lowers financial stress. There&#8217;s no need to stress over living paycheck to paycheck or losing your job. This leads to a healthier, more balanced life.<\/li>\n<\/ul>\n<p>Overall, reaching financial independence is rewarding and empowering. It&#8217;s the result of dedication, wise financial choices, and focusing on long-term goals.<\/p>\n<table>\n<tr>\n<th>Key Steps to Achieving Financial Independence<\/th>\n<\/tr>\n<tr>\n<td>1. Save and invest consistently<\/td>\n<\/tr>\n<tr>\n<td>2. Create a diversified <b>investment portfolio<\/b><\/td>\n<\/tr>\n<tr>\n<td>3. Minimize debt and manage expenses<\/td>\n<\/tr>\n<tr>\n<td>4. Explore opportunities in real estate<\/td>\n<\/tr>\n<tr>\n<td>5. Continuously educate yourself about personal finance and investment strategies<\/td>\n<\/tr>\n<tr>\n<td>6. Stay disciplined and maintain a long-term perspective<\/td>\n<\/tr>\n<\/table>\n<h2>Level 7: Abundant Wealth<\/h2>\n<p>Level 7 represents the peak of financial freedom. Here, individuals enjoy a wealth of resources and freedom. They have enough funds to cover all needs and chase their dreams. Financial worries don&#8217;t burden them anymore. <\/p>\n<p>For <b>abundant wealth<\/b>, <b>retirement income<\/b> is key. A solid retirement plan provides a steady flow of money. This supports your lifestyle during retirement. Good planning and investing help build a strong retirement fund.<\/p>\n<h3>Retirement Income: A Key Component of Abundant Wealth<\/h3>\n<p>Many people follow the <b>4% rule<\/b> for <b>retirement income<\/b>. This rule lets you withdraw 4% from your savings yearly, adjusting for inflation. It aims to keep your lifestyle stable and make sure your wealth lasts. <\/p>\n<p>It&#8217;s a good method for managing funds, but it requires adjustments. Your investments, risk comfort, and economic changes affect this rule. <\/p>\n<blockquote>\n<p>&#8220;The <b>4% rule<\/b> is a great start for retirement planning. Yet, it&#8217;s important to review and tweak your plan as life changes.&#8221; &#8211; Financial Advisor<\/p>\n<\/blockquote>\n<p>When planning for <b>abundant wealth<\/b>, consider these:<\/p>\n<ul>\n<li>Spread your investments to lower risk and boost returns<\/li>\n<li>Look into different income sources like annuities, Social Security, and property rentals<\/li>\n<li>Make a detailed retirement plan that matches your financial goals<\/li>\n<li>Get advice from financial experts to improve your income strategy<\/li>\n<\/ul>\n<p>Reaching level 7 isn&#8217;t just about being rich. It&#8217;s also about protecting your wealth for the future. Keep an eye on your retirement plan and adjust it to live well during your retirement. <\/p>\n<\/p>\n<h2>Conclusion<\/h2>\n<p>We&#8217;ve covered the <b>7 stages of financial independence<\/b> in this guide. These stages give you a pathway to long-lasting wealth and freedom. By sticking to these steps and using smart tactics, you can control your finances. This means no more living from one payday to the next.<\/p>\n<p>Starting your quest for financial freedom means knowing where you stand and setting targets. The journey goes through getting by, having a little extra, being stable, gaining flexibility, to becoming fully independent. Finally, you reach great wealth. This lets you follow your dreams and lead a rewarding life.<\/p>\n<p>To be financially independent, make a budget, get rid of debt, and save for the future. If you spend less than you earn, stay patient, and keep at it, you will amass the wealth needed to support the life you want. With the right plans, anyone can achieve lasting financial freedom if they work hard.<\/p>\n<section class=\"schema-section\">\n<h2>FAQ<\/h2>\n<div>\n<h3>What are the 7 stages of financial independence?<\/h3>\n<div>\n<div>\n<p>The <b>7 stages of financial independence<\/b> are clarity, self-sufficiency, breathing room, stability, flexibility, financial independence, and abundant wealth.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<h3>What is the first level of financial freedom?<\/h3>\n<div>\n<div>\n<p>The first level is clarity. It means knowing where you stand financially and getting smarter about money.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<h3>What does self-sufficiency mean in terms of financial independence?<\/h3>\n<div>\n<div>\n<p>Self-sufficiency is when you can handle your finances. You don\u2019t need to borrow or ask others for help.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<h3>How can I achieve financial breathing room?<\/h3>\n<div>\n<div>\n<p>To get <b>financial breathing room<\/b>, save money after paying for what you need. This lets you invest and save for emergencies.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<h3>What does it mean to achieve stability in financial independence?<\/h3>\n<div>\n<div>\n<p>Stability is when you\u2019ve paid off debts with high interest. And you have saved for six months of expenses.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<h3>What does financial flexibility entail?<\/h3>\n<div>\n<div>\n<p>Financial flexibility means you have enough saved. So, you can make big changes or live with much less money.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<h3>How do I reach financial independence?<\/h3>\n<div>\n<div>\n<p>To be financially independent, live on money made from investments. Like having a big portfolio or properties that earn without your active work.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<h3>What is abundant wealth in terms of financial independence?<\/h3>\n<div>\n<div>\n<p>Abundant wealth is having lots of money. Enough to do what you love without worrying, using the <b>4% rule<\/b> for expenses.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<h3>How can I achieve lasting financial freedom?<\/h3>\n<div>\n<div>\n<p>To achieve lasting freedom, set financial goals and make a budget. Pay off debt and invest for the future. Live with less than you earn. Stay patient and keep at it.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<h2>Source Links<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.linkedin.com\/pulse\/7-levels-financial-freedom-wefirecommunity\" target=\"_blank\" rel=\"nofollow noopener\">https:\/\/www.linkedin.com\/pulse\/7-levels-financial-freedom-wefirecommunity<\/a><\/li>\n<li><a href=\"https:\/\/due.com\/the-7-stages-of-financial-independence\/\" target=\"_blank\" rel=\"nofollow noopener\">https:\/\/due.com\/the-7-stages-of-financial-independence\/<\/a><\/li>\n<li><a href=\"https:\/\/www.nihfcu.org\/the-seven-levels-of-financial-freedom\/\" target=\"_blank\" rel=\"nofollow noopener\">https:\/\/www.nihfcu.org\/the-seven-levels-of-financial-freedom\/<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Discover the 7 stages of financial independence in this guide and learn how to navigate each phase to achieve lasting wealth and freedom.<\/p>\n","protected":false},"author":2,"featured_media":10717,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","_ti_tpc_template_sync":false,"_ti_tpc_template_id":"","footnotes":""},"categories":[6],"tags":[],"_links":{"self":[{"href":"https:\/\/moneytology.com\/wp-json\/wp\/v2\/posts\/10715"}],"collection":[{"href":"https:\/\/moneytology.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneytology.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneytology.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/moneytology.com\/wp-json\/wp\/v2\/comments?post=10715"}],"version-history":[{"count":1,"href":"https:\/\/moneytology.com\/wp-json\/wp\/v2\/posts\/10715\/revisions"}],"predecessor-version":[{"id":10719,"href":"https:\/\/moneytology.com\/wp-json\/wp\/v2\/posts\/10715\/revisions\/10719"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneytology.com\/wp-json\/wp\/v2\/media\/10717"}],"wp:attachment":[{"href":"https:\/\/moneytology.com\/wp-json\/wp\/v2\/media?parent=10715"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneytology.com\/wp-json\/wp\/v2\/categories?post=10715"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneytology.com\/wp-json\/wp\/v2\/tags?post=10715"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}