{"id":164528,"date":"2024-01-12T13:03:42","date_gmt":"2024-01-12T20:03:42","guid":{"rendered":"https:\/\/www.biggerpockets.com\/blog\/?p=164528"},"modified":"2024-01-14T13:46:53","modified_gmt":"2024-01-14T20:46:53","slug":"retiring-keeps-getting-harder-as-children-stay-home-longer","status":"publish","type":"post","link":"https:\/\/www.biggerpockets.com\/blog\/retiring-keeps-getting-harder-as-children-stay-home-longer","title":{"rendered":"Is It Possible To Retire Now? What Supporting Your Family Looks Like in 2024"},"content":{"rendered":"\n\n      <iframe loading=\"lazy\" frameborder=\"0\" height=\"200\" scrolling=\"no\" src=\"https:\/\/playlist.megaphone.fm\/?e=BIGPOC7713257112\" width=\"100%\"><\/iframe>\r\n  \n\n\n\n\n<p><span data-preserver-spaces=\"true\">In 2022, the share of nonretired adults who perceive their retirement savings as being \u201con track\u201d hit a low of&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.federalreserve.gov\/publications\/2023-economic-well-being-of-us-households-in-2022-retirement-investments.htm\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">31%<\/span><\/a><span data-preserver-spaces=\"true\">, according to an annual survey from the Federal Reserve. Inflation and a bearish stock market likely played a role in the decline in retirement preparedness, along with a cultural shift that left many older adults supporting their adult children financially.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">During the pandemic,&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.pewresearch.org\/short-reads\/2020\/09\/04\/a-majority-of-young-adults-in-the-u-s-live-with-their-parents-for-the-first-time-since-the-great-depression\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Pew Research Center<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;found that young adults living at home had become the norm, with 52% of 18-to-29-year-olds living with their parents. It\u2019s a trend that\u2019s been culturally out of fashion since the Great Depression. To the boomer generation, it was shameful to move back home after college.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">But increasingly, young adults feel the decision makes financial sense, Bloomberg&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.bloomberg.com\/news\/articles\/2023-12-21\/parents-drain-savings-retirement-funds-to-support-adult-children\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">reports<\/span><\/a><span data-preserver-spaces=\"true\">. That\u2019s likely because today\u2019s young adults are facing a harsh economic reality that makes it more difficult to achieve financial independence at a young age.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Though many parents are sympathetic, assisting their children can require sacrifice. Indeed, according to a recent Credit Karma survey,&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.creditkarma.com\/about\/commentary\/nearly-one-third-of-american-adults-rely-on-their-parents-for-financial-support\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">27% of parents<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;have delayed their retirement plans to provide financial support, and 59% have experienced mental stress from their children draining their resources.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">All this means it\u2019s not uncommon to feel that&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/money-466\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">retirement<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;is out of reach in today\u2019s economy\u2014but there are ways you and your children can get ahead of the curve.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">The Plight of Young Adults<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">Young adults face significant barriers to independence. Between 1980 and 2019, higher education costs increased 169%, while wages for 22-to-27-year-olds have only risen 19%, according to a report from&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/cew.georgetown.edu\/wp-content\/uploads\/cew-all_one_system-fr.pdf\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Georgetown University<\/span><\/a><span data-preserver-spaces=\"true\">. Yet, college has become more necessary than ever. Postsecondary education is necessary for two out of three jobs today, compared to three out of four jobs in the 1970s.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Young adults, especially those who don\u2019t finish a bachelor\u2019s degree, are also taking longer to obtain good jobs than their parents did. While the previous generation commonly secured good jobs by their mid-20s, even without a college degree, today\u2019s young adults aren\u2019t finding good jobs until their early 30s. Georgetown University defines a \u201cgood job\u201d as one that pays a salary of $35,000 or more for adults under 45.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Between rising rent and&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/on-the-market-145\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">homeownership costs<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;that have outpaced wage growth, more young adults are also finding it impossible to save for a home without financial support from their parents. If rising student loan debt weren\u2019t enough, Gen Z dollars can purchase&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.consumeraffairs.com\/finance\/comparing-the-costs-of-generations.html\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">86%<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;fewer goods when compared to baby boomers in their 20s, according to ConsumerAffairs. And a home costs nearly double what homebuyers in the 1970s paid in 2022 dollars.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">To make things tougher, CoreLogic and U.S. Census data show that median-income earners now spend&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.corelogic.com\/intelligence\/us-rent-affordability-drops-lowest-level-decades\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">40%<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;of their gross income to rent a median-priced home, the highest share in decades, leaving little to put aside for a&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/down-payment\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">down payment<\/span><\/a><span data-preserver-spaces=\"true\">.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">The good news is that by age 30, young adults are&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/cew.georgetown.edu\/cew-reports\/pathway\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">more likely<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;to have a good job than their parents\u2019 generation, according to Georgetown University research. In some ways, providing support for your adult children as they get started in their careers is an investment in the financial future of the entire family. Many parents hope that their children\u2019s earnings will exceed their own and they\u2019ll get support from their children during retirement.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">The Financial Burden on Older Adults<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">There\u2019s no guarantee that today\u2019s young adults will save enough in their later years to offset the sacrifices their parents made. A&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/mlaem.fs.ml.com\/content\/dam\/ml\/registration\/ml_parentstudybrochure.pdf\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">2018 survey<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;from Merrill Lynch and Age Wave found parents spend $500 billion on their adult children every year\u2014while only contributing $250 billion annually to their retirement accounts. A significant 63% of parents say they\u2019ve gone so far as to sacrifice their own financial security to provide for the needs of their children.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">The financial burden of assisting adult children is heaviest on the families least prepared for retirement. For example, the&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.brookings.edu\/articles\/young-americans-are-struggling-to-gain-economic-ground-building-a-better-school-to-career-pipeline-can-help\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Brookings Institute<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;studied a cohort of young adults whose parents weren\u2019t college graduates and had incomes below 200% of the federal poverty line. Almost 60% of the group were still earning less than $20,000 annually at age 30. This indicates that adult children from low-income families require even more support to become independent of their already distressed parents.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Over time, economic mobility has decreased, leaving only half of children born in the 1980s to earn greater incomes than their parents when they grew up, relative to 90% of children born in the 1940s. Many of the factors impacting retirement savings compound with each generation, widening disparities in retirement preparedness.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">In 2007, for example, about&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.gao.gov\/blog\/growing-disparities-retirement-account-savings\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">1 in 5<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;low-income households getting close to retirement age had a retirement account balance, according to Government Accountability Office (GAO) research. By 2019, that number dropped to 1 in 10. To make matters worse, low-income earners tend to receive less retirement support from their employers.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Making Retirement Work<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">However, there are strategies for improving upward mobility outcomes for your children, even if your own savings account balance is modest.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">In general, there are two ways to boost your savings: increase your income or reduce your spending. According to Federal Reserve data, adults aged 55 to 64 have a median retirement account balance of&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.synchronybank.com\/blog\/median-retirement-savings-by-age\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">$134,000<\/span><\/a><span data-preserver-spaces=\"true\">, which is only enough to fund about&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.cnbc.com\/2023\/10\/11\/how-much-you-need-to-retire-comfortably-in-every-state.html\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">two years<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;of comfortable retirement in most places.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">To beat that, you\u2019ll likely need to earn greater than the median salary or spend less than the typical consumer. That\u2019s the logic many young adults use to justify living with their parents\u2014by significantly reducing their living expenses, they\u2019re able to put more of their income aside.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">However, young adults who have never lived on their own often fail to account for the increased utility, grocery, cleaning, and maintenance expenses their parents incur with an extra person under their roof. Furthermore, offering your child a bedroom means foregoing a potential source of relatively&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/passive-real-estate-investing\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">passive income<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;from taking in a tenant or vacation rental guest.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">All this means setting up a household budget and ensuring that everyone contributes is key to ensuring you don\u2019t put your retirement at risk by helping your children. If your child is struggling to pay for even their own expenses, such as their car payment, health insurance, or student loans, you may need to help them establish a personal budget as well. Using&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/best-net-worth-trackers\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">digital tools<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;from banking and credit card websites to analyze their current spending is a good place to start.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Take steps to increase your child\u2019s earnings as well. If they haven\u2019t yet attended college, help them&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.usnews.com\/education\/best-colleges\/articles\/college-majors-with-the-best-return-on-investment\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">choose a major<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;that will yield a high return on investment. If they\u2019ve already attempted college and need a career change, consider training programs that cost less than a college degree. From tech boot camps to apprenticeships to healthcare certifications, there are many affordable options that can lead to a major increase in earnings.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">It may also help to coach your child on how to invest each dollar they put aside wisely. Financial literacy is an important predictor of investment success. The&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.federalreserve.gov\/publications\/2023-economic-well-being-of-us-households-in-2022-retirement-investments.htm\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Federal Reserve<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;found that people with retirement savings generally have higher levels of financial literacy than people who lack a retirement account.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">If your child doesn\u2019t understand&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/understanding-the-time-value-of-money\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">compound interest<\/span><\/a><span data-preserver-spaces=\"true\">, help them open a high-yield savings account and monitor the results. Use online calculators to show the impact of retirement account contributions and employer matching.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Furthermore, real estate investment can play a role in any family\u2019s retirement preparation strategy. One way to boost your child\u2019s savings while investing in your future is to team up on a&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/real-estate-investing\/house-hacking-strategy\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">house hack<\/span><\/a><span data-preserver-spaces=\"true\">. House hacking typically involves renting a room or unit in a duplex while living in another room or unit of the same building.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">One advantage of house hacking is that your child can benefit from the financing options available to first-time homebuyers purchasing a primary residence. With low-down payment options available, a small contribution to your child\u2019s homebuying fund can go a long way. Your child can also use the income from the rental to reduce their ongoing housing expenses, leaving them with more money to contribute to their own retirement or even provide you with some monthly cash in exchange for your help up front.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">That rental income can also act as a buffer to the career uncertainty that young adults face in their 20s. A setback like a job loss won\u2019t necessarily mean that your child needs to sell their property and move back home\u2014they can rely on that rental income, along with a temporary&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/rookie-294\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">side hustle<\/span><\/a><span data-preserver-spaces=\"true\">, to make ends meet.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">The Bottom Line<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">Before you risk everything to help your kids, remember that your own financial security is a precursor to aiding your children. There\u2019s nothing shameful about a multigenerational household in today\u2019s economy, but to avoid mental and financial distress, you\u2019ll need a plan that\u2019s likely to result in your child\u2019s success.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">While giving them money for unnecessary expenses may do more harm than good, helping them develop a budget, pursue a career, and invest their savings wisely may improve their financial outcomes\u2014and your own.<\/span><\/p>\n\n\n\n    \n  <div id=\"visibility-group-block_a83ebc1cb2642dcf414f0d2ee8ef0ca7\" class=\"visibility-group  hidden\">\n        \n\n<div id=\"hero-block_7e9fc8c7c7b55ad88d7cecb15353b268\" class=\"first:mt-0 hero-block py-4  alignwide   has-background has-theme-gold-light-background-color has-text-color has-theme-gold-color\">\n    <div\n        class=\" flex flex-wrap lg:flex-nowrap max-w-screen-xl mx-auto px-4 relative lg:items-center \">\n\n        <div class=\"relative z-30 w-full \">\n            <main class=\"py-4\">\n                \n\n<p class=\"has-theme-gold-color has-text-color has-large-font-size\" style=\"font-style:normal;font-weight:800\">Get the Best Loan Today<\/p>\n\n\n\n<p class=\"my-3 md:my-5 lg:my-8 has-slate-900-color has-text-color\" style=\"font-size:16px\">Find trusted, <em><strong>investor-friendly<\/strong><\/em> lenders who specialize in your strategy. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<div id=button-custom-event-block_921395b8c441bab6d3119431d1e810ce class='button-custom-event'>\n      <a href=\"https:\/\/www.biggerpockets.com\/business\/finder\/lenders\" x-on:click=\"window.analytics.track(&#039;Blog Block | B2C Marketplace Lender Finder&#039;, {\n      referrer: &#039;https:\/\/www.biggerpockets.com\/blog\/retiring-keeps-getting-harder-as-children-stay-home-longer&#039;,\n    });\" class=\" btn-shape inline-block no-underline has-background has-theme-gold-background-color has-text-color has-white-color\" target=\"_blank\">Find a Lender<\/a>\n  <\/div>\n\n            <\/main>\n        <\/div>\n\n                <div class=\" first:mt-0 relative h-full lg:flex lg:items-center\">\n            <img decoding=\"async\" class=\"object-cover w-full relative z-20 my-0  rounded-md hidden lg:block\" src=\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2022\/08\/Marketplace-Blog-Blocks-Lender-v3.png\" alt=\"investor friendly lender, investor friendly real estate loans\" title=\"\">\n        <\/div>\n            <\/div>\n<\/div>\n\n  <\/div>\n  \n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n    \n  <div id=\"visibility-group-block_64dd31c79f00f\" class=\"visibility-group  \">\n        \n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div id=\"hero-block_64dd2875dba9d\" class=\"first:mt-0 hero-block py-4    has-background has-slate-100-background-color has-text-color has-theme-slate-color\">\n    <div\n        class=\" flex flex-wrap lg:flex-nowrap max-w-screen-xl mx-auto px-4 relative lg:items-center \">\n\n        <div class=\"relative z-30 w-full \">\n            <main class=\"py-4\">\n                \n\n<h3 class=\"wp-block-heading my-0 tracking-tight font-extrabold has-theme-slate-dark-color has-text-color has-large-font-size\">Join the community<\/h3>\n\n\n\n<p class=\"my-3 md:my-5 lg:my-8 has-theme-slate-color has-text-color\" style=\"font-size:16px;font-style:normal;font-weight:400\">Ready to succeed in real estate investing? Create a free BiggerPockets account to learn about investment strategies; ask questions and get answers from our community of +2 million members; connect with investor-friendly agents; and so much more. <\/p>\n\n\n\n<div id=button-custom-event-block_64dd2888dba9e class='button-custom-event'>\n      <a href=\"https:\/\/www.biggerpockets.com\/signup\" x-on:click=\"window.analytics.track(&#039;Blog Block | Acquisition | Free Membership Signup&#039;, {\n      referrer: &#039;https:\/\/www.biggerpockets.com\/blog\/retiring-keeps-getting-harder-as-children-stay-home-longer&#039;,\n    });\" class=\" btn-shape inline-block no-underline has-background has-theme-blue-background-color has-text-color has-white-color\" target=\"_blank\">Sign Up<\/a>\n  <\/div>\n\n            <\/main>\n        <\/div>\n\n            <\/div>\n<\/div>\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n  <\/div>\n  <\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>We get into real estate for financial freedom and early retirement, but that goal is getting harder and harder to achieve each decade.<\/p>\n","protected":false},"author":613615,"featured_media":164531,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7398,7119],"tags":[],"class_list":["post-164528","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement","category-biggerpockets-daily"],"acf":[],"comment_count":0,"_links":{"self":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/164528","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/users\/613615"}],"replies":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/comments?post=164528"}],"version-history":[{"count":0,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/164528\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media\/164531"}],"wp:attachment":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media?parent=164528"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/categories?post=164528"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/tags?post=164528"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}