{"id":269989,"date":"2025-07-01T20:41:28","date_gmt":"2025-07-01T15:11:28","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=269989"},"modified":"2025-07-01T20:41:30","modified_gmt":"2025-07-01T15:11:30","slug":"financial-planning-for-special-needs-care","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/financial-planning-for-special-needs-care\/","title":{"rendered":"Financial Planning When Caring for a Family Member With Special Needs"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#why-special-needs-financial-planning-requires-extra-care\">Why Special Needs Financial Planning Requires Extra Care<\/a><\/li><li><a href=\"#step-1-understand-the-current-and-future-care-needs\">Step 1 \u2013 Understand the Current and Future Care Needs<\/a><ul><li><a href=\"#types-of-special-needs-and-financial-impact\">Types of Special Needs and Financial Impact<\/a><\/li><li><a href=\"#short-term-vs-long-term-expenses\">Short-Term vs. Long-Term Expenses<\/a><\/li><\/ul><\/li><li><a href=\"#step-2-build-a-realistic-monthly-budget\">Step 2 \u2013 Build a Realistic Monthly Budget<\/a><ul><li><a href=\"#include-direct-and-indirect-expenses\">Include Direct and Indirect Expenses<\/a><\/li><li><a href=\"#factor-in-lost-income-or-reduced-work-hours\">Factor in Lost Income or Reduced Work Hours<\/a><\/li><\/ul><\/li><li><a href=\"#step-3-explore-government-benefits-and-support-programs\">Step 3 \u2013 Explore Government Benefits and Support Programs<\/a><ul><li><a href=\"#supplemental-security-income-ssi-and-medicaid\">Supplemental Security Income (SSI) and Medicaid<\/a><\/li><li><a href=\"#local-and-state-based-programs\">Local and State-Based Programs<\/a><\/li><\/ul><\/li><li><a href=\"#step-4-open-a-special-needs-trust-snt\">Step 4 \u2013 Open a Special Needs Trust (SNT)<\/a><ul><li><a href=\"#why-an-snt-is-critical\">Why an SNT Is Critical<\/a><\/li><li><a href=\"#first-party-vs-third-party-trusts\">First-Party vs. Third-Party Trusts<\/a><\/li><\/ul><\/li><li><a href=\"#step-5-consider-an-able-account\">Step 5 \u2013 Consider an ABLE Account<\/a><ul><li><a href=\"#what-it-is-and-how-it-works\">What It Is and How It Works<\/a><\/li><li><a href=\"#how-it-works-with-other-benefits\">How It Works with Other Benefits<\/a><\/li><\/ul><\/li><li><a href=\"#step-6-get-the-right-insurance-coverage\">Step 6 \u2013 Get the Right Insurance Coverage<\/a><ul><li><a href=\"#health-disability-and-life-insurance\">Health, Disability and Life Insurance<\/a><\/li><li><a href=\"#long-term-care-insurance-optional\">Long-Term Care Insurance (Optional)<\/a><\/li><\/ul><\/li><li><a href=\"#step-7-prepare-legal-and-estate-planning-documents\">Step 7 \u2013 Prepare Legal and Estate Planning Documents<\/a><ul><li><a href=\"#guardianship-and-power-of-attorney\">Guardianship and Power of Attorney<\/a><\/li><li><a href=\"#letter-of-intent\">Letter of Intent<\/a><\/li><\/ul><\/li><li><a href=\"#step-8-involve-financial-and-legal-experts\">Step 8 \u2013 Involve Financial and Legal Experts<\/a><ul><li><a href=\"#certified-financial-planners-cfp-with-special-needs-expertise\">Certified Financial Planners (CFP) with Special Needs Expertise<\/a><\/li><li><a href=\"#special-needs-estate-planning-attorneys\">Special Needs Estate Planning Attorneys<\/a><\/li><li><a href=\"#financial-planning-for-special-needs-families\">Financial Planning for Special Needs Families<\/a><\/li><\/ul><\/li><li><a href=\"#faq-question-1751381582447\">What is a Special Needs Trust, and why is it important?<\/a><\/li><li><a href=\"#faq-question-1751381589421\">Can I save money for my child without affecting SSI\/Medicaid?<\/a><\/li><li><a href=\"#faq-question-1751381603144\">What government benefits can we qualify for?<\/a><\/li><li><a href=\"#faq-question-1751381610534\">Should I include my special needs child in my will?<\/a><\/li><li><a href=\"#faq-question-1751381618278\">How do I estimate lifetime care costs?<\/a><\/li><li><a href=\"#faq-question-1751381628590\">What insurance should caregivers consider?<\/a><\/li><li><a href=\"#faq-question-1751381639590\">Can siblings help with long-term planning?<\/a><\/li><li><a href=\"#faq-question-1751381651726\">How early should I start financial planning?<\/a><\/li><li><a href=\"#faq-question-1751381663019\">Are there tax benefits available?<\/a><ul><\/ul><\/li><li><a href=\"#planning-today-for-a-more-secure-tomorrow\">Planning Today for a More Secure Tomorrow<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-special-needs-financial-planning-requires-extra-care\">Why Special Needs Financial Planning Requires Extra Care<\/h2>\n\n\n\n<p>Financial planning for special needs care involves more than just managing expenses\u2014it\u2019s about preparing for a lifetime of care and support. Unlike other financial plans that focus on milestones like retirement or college, special needs care often spans a lifetime. Expenses don\u2019t disappear; they shift and frequently become more complex. Without a thoughtful financial strategy, both the quality of care and the caregiver\u2019s long-term stability can be jeopardized.<\/p>\n\n\n\n<p>Whether you&#8217;re navigating healthcare costs, government benefits, or future housing and education needs, financial planning provides a roadmap to protect your loved one\u2019s well-being while maintaining your own financial stability. This blog will walk you through practical, thoughtful steps to help you plan smarter, not just for today but for the years to come.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"step-1-understand-the-current-and-future-care-needs\">Step 1 \u2013 Understand the Current and Future Care Needs<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"types-of-special-needs-and-financial-impact\">Types of Special Needs and Financial Impact<\/h3>\n\n\n\n<p>No two situations are the same. Special needs can include a wide range of conditions, such as developmental (like autism), intellectual (like cognitive delays), or physical (like muscular dystrophy). Each brings different care requirements and, by extension, different financial implications.<\/p>\n\n\n\n<p>For example, a child with Down syndrome may need lifelong educational support and eventual housing assistance. Someone with mobility issues might require expensive equipment and a modified living space. Understanding the full scope of your loved one\u2019s condition is the first step in building a solid financial foundation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"short-term-vs-long-term-expenses\">Short-Term vs. Long-Term Expenses<\/h3>\n\n\n\n<p>It\u2019s helpful to break things down into two buckets:<\/p>\n\n\n\n<p><strong>1. Short-term expenses: <\/strong>Think therapy appointments, prescriptions, transportation, and caregiving help. These are costs you\u2019re probably managing already.<\/p>\n\n\n\n<p><strong>2. Long-term expenses: <\/strong>These could include adult day programs, assisted living arrangements, or care after you\u2019re gone. They\u2019re harder to predict, so they require proactive planning.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/why-beem-pass-is-a-must-have-for-family-support\/\" target=\"_blank\" rel=\"noreferrer noopener\">Why Beem Pass Is a Must-Have for Family Support<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"step-2-build-a-realistic-monthly-budget\">Step 2 \u2013 Build a Realistic Monthly Budget<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"include-direct-and-indirect-expenses\">Include Direct and Indirect Expenses<\/h3>\n\n\n\n<p>When creating your monthly budget, including direct and indirect expenses is essential. While direct costs like medications, therapy, and adaptive equipment are easy to identify, indirect expenses are often overlooked. These may include higher utility bills from medical equipment, travel costs for out-of-town specialists, or additional childcare if you manage to care for other children. Including all these expenses provides a clearer financial picture and helps ensure you&#8217;re fully prepared.<\/p>\n\n\n\n<p><a href=\"https:\/\/trybeem.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Beem<\/a> makes budgeting easier by integrating your financial information into one app. By using the <a href=\"https:\/\/trybeem.com\/budget-planner\" target=\"_blank\" rel=\"noreferrer noopener\">BFF Budget Planner<\/a>, you can create a goal budget, track spending in real-time, and assign money to categories such as location, dress, and catering.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"factor-in-lost-income-or-reduced-work-hours\">Factor in Lost Income or Reduced Work Hours<\/h3>\n\n\n\n<p>Be sure to account for lost income or reduced work hours when budgeting. If you\u2019ve had to cut back your job hours or leave work entirely to provide care, this is a significant and often overlooked financial impact. Recognizing this loss helps you better understand your overall financial situation and plan accordingly, whether through benefits, support programs, or adjusting other expenses to manage the actual cost of caregiving.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"step-3-explore-government-benefits-and-support-programs\">Step 3 \u2013 Explore Government Benefits and Support Programs<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"supplemental-security-income-ssi-and-medicaid\">Supplemental Security Income (SSI) and Medicaid<\/h3>\n\n\n\n<p>Programs like Supplemental Security Income (SSI) and Medicaid can be lifelines. SSI provides monthly payments to people with disabilities who meet income guidelines, while Medicaid often covers services and treatments that private insurance won\u2019t. There\u2019s paperwork and eligibility hoops, but don\u2019t let that stop you.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"local-and-state-based-programs\">Local and State-Based Programs<\/h3>\n\n\n\n<p>Every state offers different types of support, like early intervention for young children, respite care day programs, and vocational training for adults. Please take advantage of them. Some states offer Medicaid waivers that provide at-home care services, letting your loved one stay in familiar surroundings. Have a look at the nearest locally based programs.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/financial-planning-first-job-strong-foundation\/\" target=\"_blank\" rel=\"noreferrer noopener\">Financial Planning for Your First Job: Setting a Strong Foundation<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"step-4-open-a-special-needs-trust-snt\">Step 4 \u2013 Open a Special Needs Trust (SNT)<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-an-snt-is-critical\">Why an SNT Is Critical<\/h3>\n\n\n\n<p>A Special Needs Trust (SNT) lets you save for your loved one\u2019s future without risking their access to government benefits. Money in the trust can pay for things like hobbies, therapy, or even travel, anything that enhances quality of life. Without a trust, savings over $2,000 (in the U.S.) could disqualify your loved one from receiving SSI or Medicaid.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"first-party-vs-third-party-trusts\">First-Party vs. Third-Party Trusts<\/h3>\n\n\n\n<p>First-party SNTs use money that belongs to the person with special needs (like an inheritance or a legal settlement). Family or friends fund third-party SNTs. A third-party trust offers more flexibility and doesn&#8217;t require a Medicaid payback when your loved one passes away.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"step-5-consider-an-able-account\">Step 5 \u2013 Consider an ABLE Account<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"what-it-is-and-how-it-works\">What It Is and How It Works<\/h3>\n\n\n\n<p>An <a href=\"https:\/\/www.irs.gov\/government-entities\/federal-state-local-governments\/able-accounts-tax-benefit-for-people-with-disabilities\" target=\"_blank\" rel=\"noreferrer noopener\">ABLE account<\/a> (Achieving a Better Life Experience) is a tax-advantaged way to save for disability-related expenses. If your loved one\u2019s disability began before age 26, they\u2019re likely eligible. You can use the money for housing, transportation, education, and more, and it doesn\u2019t count against SSI asset limits (up to $100,000).<\/p>\n\n\n\n<p><strong>Tip:<\/strong> Use an ABLE account for everyday spending and the SNT for long-term planning. Together, they\u2019re a powerful combo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-it-works-with-other-benefits\">How It Works with Other Benefits<\/h3>\n\n\n\n<p>Medicaid coverage continues regardless of the account balance. ABLE accounts complement other benefits, offering financial flexibility while preserving essential supports. They empower individuals to plan for their future without losing critical government assistance.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/ai-agents-for-financial-planning\/\" target=\"_blank\" rel=\"noreferrer noopener\">AI Agents for Financial Planning: Benefits You Can\u2019t Ignore<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"step-6-get-the-right-insurance-coverage\">Step 6 \u2013 Get the Right Insurance Coverage<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"health-disability-and-life-insurance\">Health, Disability and Life Insurance<\/h3>\n\n\n\n<p>When planning for your family\u2019s future, consider key types of insurance to protect your loved ones\u2019 well-being. Health insurance is essential for you and your loved one to cover specialists, therapies, and ongoing treatments. Disability insurance is critical if your income supports the household, offering financial stability. Life insurance ensures your loved one is cared for financially, providing the entire family with long-term security and peace of mind.<\/p>\n\n\n\n<p><a href=\"https:\/\/trybeem.com\/health-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Beem Health Insurance Marketplace<\/a> allows you to compare premiums from multiple providers, helping you find the best deal and avoid paying more than necessary for good coverage. You\u2019ll have all the facts you need to choose a plan that works well for your health needs and fits your budget.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"long-term-care-insurance-optional\">Long-Term Care Insurance (Optional)<\/h3>\n\n\n\n<p>Long-term care insurance isn\u2019t essential for everyone, but it can provide valuable protection later in life if you need assistance with caregiving or covering facility expenses. These policies are generally more affordable when purchased younger, so early planning is beneficial. It\u2019s wise to consult an insurance broker experienced with special needs families, as they can help you explore options and ensure future care needs are financially supported.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"step-7-prepare-legal-and-estate-planning-documents\">Step 7 \u2013 Prepare Legal and Estate Planning Documents<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"guardianship-and-power-of-attorney\">Guardianship and Power of Attorney<\/h3>\n\n\n\n<p>Who will make medical and financial decisions if your loved one can\u2019t? Who steps in if something happens to you? You\u2019ll want to legally designate it to a Healthcare Proxy, a Financial Power of Attorney, and Legal Guardianship (In some cases).&nbsp; It\u2019s not pleasant to think about it, but planning for \u201cwhat if\u201d scenarios is a loving and responsible act.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"letter-of-intent\">Letter of Intent<\/h3>\n\n\n\n<p>This isn\u2019t a legal document, but it\u2019s just as vital. A Letter of Intent is a personal guide that details your loved one\u2019s routines, preferences, needs, and history. Think of it as a user manual for your child, sibling, partner or something that helps future caregivers offer consistent, compassionate support.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"step-8-involve-financial-and-legal-experts\">Step 8 \u2013 Involve Financial and Legal Experts<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"certified-financial-planners-cfp-with-special-needs-expertise\">Certified Financial Planners (CFP) with Special Needs Expertise<\/h3>\n\n\n\n<p>Certified Financial Planners (CFPs) with expertise in special needs planning can help you avoid costly mistakes that may jeopardize government benefits or long-term care. They understand families&#8217; unique financial, legal, and emotional challenges and can guide you in setting up tools like special needs trusts, ABLE accounts, and tailored investment strategies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"special-needs-estate-planning-attorneys\">Special Needs Estate Planning Attorneys<\/h3>\n\n\n\n<p>Special Needs Estate Planning Attorneys help families plan for the future care and financial needs of individuals with disabilities. They create legal tools like special needs trusts, wills, and powers of attorney to protect eligibility for government benefits while ensuring long-term support. These attorneys understand complex benefit rules and tailor plans for each family&#8217;s unique situation.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/impact-of-24-7-beem-health-access-on-family\/\" target=\"_blank\" rel=\"noreferrer noopener\">The Impact of 24\/7 Beem Health Access on Family Wellbeing<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"financial-planning-for-special-needs-families\">Financial Planning for Special Needs Families<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1751381582447\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What is a Special Needs Trust, and why is it important?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>A Special Needs Trust is like a financial safety net for your loved one. It lets you set aside money for their future for therapies, hobbies, or a better quality of life without losing access to government benefits like SSI or Medicaid. That\u2019s huge; without it, even a small inheritance could disqualify them.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1751381589421\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Can I save money for my child without affecting SSI\/Medicaid?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Yes, and you must do it correctly; saving money in their name can accidentally cause them to lose benefits. But using tools like an ABLE account or a Special Needs Trust lets you put money aside legally and safely.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1751381603144\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What government benefits can we qualify for?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>There\u2019s much help out there if you know where to look. Many families qualify for SSI (monthly income support), Medicaid (healthcare and services), and sometimes housing or special education support. It can feel like a maze, but local disability agencies or school support coordinators can guide you.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1751381610534\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Should I include my special needs child in my will?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Yes, leaving money directly to your child can unintentionally cut them off from essential benefits like SSI or Medicaid. Instead, name a Special Needs Trust in your will; that way, any inheritance goes into the trust, not their name, and they can still get the help they need. It\u2019s one of the kindest, most protective things you can do for them in the long run.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1751381618278\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How do I estimate lifetime care costs?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>The truth is that caring for someone with special needs is often a lifetime journey, and costs can span decades. Start by listing current needs, then project out medical care, housing, therapies, and support services. A financial planner who understands special needs can help you turn that into a real plan.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1751381628590\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What insurance should caregivers consider?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>The right insurance can be a lifeline when you\u2019re the central support system. Start with life insurance, which ensures your loved one is financially supported if something happens to you. Health insurance is a must for both of you, and disability insurance is smart, too, in case you can\u2019t work for a while.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1751381639590\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Can siblings help with long-term planning?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Yes, and many want to; they must be included early, not blindsided later. They can help make decisions, be named in legal documents, or stay informed. Not every sibling wants a hands-on role, and that\u2019s okay. But open, honest conversations now can lead to better teamwork and a loving, balanced, and realistic plan for everyone involved.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1751381651726\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How early should I start financial planning?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>The sooner, the better &#8211; starting early gives you more time and options and less stress later. Ideally, you\u2019ll want a plan in place before your child turns 18 since that\u2019s when adult benefits like SSI and Medicaid kick in. Every small step, from opening a savings account to making a will, helps build a safer, more stable future.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1751381663019\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Are there tax benefits available?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Absolutely, and they can add up. ABLE accounts offer tax-free growth when used for disability expenses. You can qualify for the Dependent Care Credit or deduct enormous medical costs. These savings may not cover everything, but they can ease the financial pressure.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"what-is-a-special-needs-trust-and-why-is-it-important\"><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"planning-today-for-a-more-secure-tomorrow\">Planning Today for a More Secure Tomorrow<\/h2>\n\n\n\n<p>Caring for a loved one with special needs is a lifelong journey and a deep expression of love. The emotional side is heavy enough, and the financial side can feel overwhelming. But here\u2019s the truth: you don\u2019t have to figure it all out simultaneously. Small, steady steps, like understanding your expenses, exploring benefits, opening an ABLE account, or setting up a Special Needs Trust, can go a long way.&nbsp;<\/p>\n\n\n\n<p>Planning helps secure your loved one\u2019s future, gives you peace of mind, and protects your entire family. You\u2019re building more than a financial plan; you\u2019re creating stability, dignity, and lasting care. It may feel like a lot now, but every thoughtful choice you make today brings greater safety and support for tomorrow, for them and you. Apps like Beem can help you with budgeting and choosing the right insurance in this journey. <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.useline.line\" target=\"_blank\" rel=\"noreferrer noopener\">Download the app here<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Why Special Needs Financial Planning Requires Extra Care Financial planning for special needs care involves more than just managing expenses\u2014it\u2019s about preparing for a lifetime of care and support. Unlike other financial plans that focus on milestones like retirement or college, special needs care often spans a lifetime. Expenses don\u2019t disappear; they shift and frequently [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":269992,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3106],"tags":[4790,107,168,191],"edited-by":[],"class_list":["post-269989","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-save","tag-beem","tag-financial-planning","tag-money-matters","tag-personal-finance"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/269989","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=269989"}],"version-history":[{"count":6,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/269989\/revisions"}],"predecessor-version":[{"id":270007,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/269989\/revisions\/270007"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/269992"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=269989"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=269989"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=269989"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=269989"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}