{"id":288921,"date":"2026-02-09T22:37:46","date_gmt":"2026-02-09T17:07:46","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=288921"},"modified":"2026-02-09T22:37:48","modified_gmt":"2026-02-09T17:07:48","slug":"how-much-life-insurance-coverage-do-you-really-need","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/how-much-life-insurance-coverage-do-you-really-need\/","title":{"rendered":"How Much Life Insurance Coverage Do You Really Need?"},"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-right-coverage-is-different-for-everyone\">Why &#8220;Right Coverage&#8221; Is Different for Everyone<\/a><\/li><li><a href=\"#quick-rules-of-thumb-fast-estimates\">Quick Rules of Thumb (Fast Estimates)<\/a><\/li><li><a href=\"#the-best-way-to-calculate-life-insurance-coverage-step-by-step\">The Best Way to Calculate Life Insurance Coverage (Step-by-Step)<\/a><ul><li><a href=\"#step-1-add-your-liabilities-what-must-be-paid-off\">Step 1: Add Your Liabilities (What Must Be Paid Off)<\/a><\/li><li><a href=\"#step-2-add-major-future-goals-what-you-want-funded\">Step 2: Add Major Future Goals (What You Want Funded)<\/a><\/li><li><a href=\"#step-3-add-income-replacement-for-dependents\">Step 3: Add Income Replacement for Dependents<\/a><\/li><li><a href=\"#step-4-subtract-existing-resources\">Step 4: Subtract Existing Resources<\/a><\/li><li><a href=\"#step-5-final-coverage-formula\">Step 5: Final Coverage Formula<\/a><\/li><\/ul><\/li><li><a href=\"#coverage-calculation-examples\">Coverage Calculation Examples<\/a><ul><li><a href=\"#example-1-married-with-1-child-mortgage\">Example 1: Married with 1 Child + Mortgage<\/a><\/li><li><a href=\"#example-2-single-professional-with-dependent-parents\">Example 2: Single Professional with Dependent Parents<\/a><\/li><\/ul><\/li><li><a href=\"#common-mistakes-that-lead-to-wrong-coverage\">Common Mistakes That Lead to Wrong Coverage<\/a><\/li><li><a href=\"#term-insurance-vs-other-life-insurance-for-coverage-needs\">Term Insurance vs Other Life Insurance for Coverage Needs<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><ul><li><a href=\"#fa-qs-for-how-much-life-insurance-coverage-do-you-really-need\">FAQs for How Much Life Insurance Coverage Do You Really Need<\/a><\/li><\/ul><\/li><li><a href=\"#faq-question-1770656082292\">How much term insurance do I need?<\/a><\/li><li><a href=\"#faq-question-1770656093470\">Is 10\u00d7 salary enough for life insurance?<\/a><\/li><li><a href=\"#faq-question-1770656100352\">Should I include my spouse&#8217;s income in the calculation?<\/a><\/li><li><a href=\"#faq-question-1770656109420\">Do I need life insurance if I&#8217;m single?<\/a><\/li><li><a href=\"#faq-question-1770656117652\">Can I count 401(k), Roth IRA, and brokerage accounts as existing assets?<\/a><\/li><li><a href=\"#faq-question-1770656124670\">Is employer-provided life insurance enough?<\/a><\/li><li><a href=\"#faq-question-1770656135570\">How much life cover do parents need?<\/a><\/li><li><a href=\"#faq-question-1770656144386\">What&#8217;s the ideal policy term?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>Did you know 78% of Americans are either underinsured or overpaying for life insurance they don&#8217;t need? Most buy coverage based on &#8220;affordable premiums&#8221; or agent pressure, not actual needs. The truth? The right life insurance coverage isn&#8217;t a one-size-fits-all number; it&#8217;s personal and depends on your income, liabilities, dependents, and future goals.<\/p>\n\n\n\n<p>In this guide, we will explore how to calculate the ideal life cover using simple, practical formulae. We&#8217;ll break it down step by step, with real-life examples for singles, young families, and business owners. Let&#8217;s get your family&#8217;s financial security right. How much life insurance coverage do you really need? Here\u2019s what you need to know.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-right-coverage-is-different-for-everyone\">Why &#8220;Right Coverage&#8221; Is Different for Everyone<\/h2>\n\n\n\n<p><a href=\"https:\/\/trybeem.com\/blog\/how-to-save-money-on-life-insurance\/\" target=\"_blank\" data-type=\"post\" data-id=\"233593\" rel=\"noreferrer noopener\">Life insurance<\/a> isn&#8217;t about buying a &#8220;standard package&#8221;, it&#8217;s about replacing <em>your<\/em> financial value to your family. A single professional might need just $500K\u2013$1M to clear student loans and build an emergency fund. A married couple with young kids? They often need $2M+ to cover mortgage payments, college tuition, and lost income. Business owners face even higher needs,$5M+, to pay business debts, protect partnerships, and sustain family lifestyle.<\/p>\n\n\n\n<p>Coverage is about protecting cash flow, liabilities, and goals, not emotional replacement. Your policy should fund what you&#8217;d have provided if you were alive: monthly expenses, college funds, and a retirement corpus. It replaces <em>financial value<\/em>, not hugs or memories.<\/p>\n\n\n\n<p>Term insurance shines here, pure protection at $25\u2013$50\/month for massive coverage. Traditional whole life plans? They mix insurance with low-return investments, leaving you underinsured and overpaying.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"quick-rules-of-thumb-fast-estimates\">Quick Rules of Thumb (Fast Estimates)<\/h2>\n\n\n\n<p>Need a starting point before your full calculation? Here are three quick methods; use them as baselines, but we&#8217;ll do the proper math later.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Income Multiple Method (10x\u201320x Rule)<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Typical guidance: 10\u00d7 to 20\u00d7your annual income.<\/p>\n\n\n\n<p>A $75K earner might target $750K\u2013$1.5M.<\/p>\n\n\n\n<p><strong>When it fits:<\/strong> stable W-2 income, young family, minimal debt.<\/p>\n\n\n\n<p><strong>Limitation: <\/strong>Ignores <a href=\"https:\/\/trybeem.com\/blog\/how-to-pay-off-student-loans-fast\/\" target=\"_blank\" data-type=\"post\" data-id=\"163316\" rel=\"noreferrer noopener\">student loans<\/a>, mortgages, college savings, and inflation (coverage loses value over 20+ years).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Expense Replacement Method<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Replace annual household expenses for 10\u201315 years.<\/p>\n\n\n\n<p>$60K family expenses \u00d7 12 years = $720K baseline.<\/p>\n\n\n\n<p><strong>Better for: <\/strong><span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\"><a href=\"https:\/\/trybeem.com\/blog\/why-freelancers-need-health-insurance\/\" target=\"_blank\">Freelancers<\/a>, commission-based sales, or variable-in<\/span>come professionals (Uber drivers, realtors).<\/p>\n\n\n\n<p><strong>Limitation:<\/strong> Misses big-ticket goals like $200K college tuition or $500K mortgage payoff.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Human Life Value (HLV) Method<\/li>\n<\/ul>\n\n\n\n<p><em>Your economic value = future earnings minus personal expenses.<\/em><\/p>\n\n\n\n<p><strong>Example: <\/strong>$1M\/year future earnings &#8211; 40% living costs = $600K\/year value \u00d7 20 years = $12M.<\/p>\n\n\n\n<p>More detailed, financial advisors love it for high earners or business owners. Requires projections but captures your true &#8220;earning power.&#8221;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-best-way-to-calculate-life-insurance-coverage-step-by-step\">The Best Way to Calculate Life Insurance Coverage (Step-by-Step)<\/h2>\n\n\n\n<p>Forget generic rules. This 5-step formula gives the precise coverage needed in 10 minutes. Grab a notepad or spreadsheet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"step-1-add-your-liabilities-what-must-be-paid-off\">Step 1: Add Your Liabilities (What Must Be Paid Off)<\/h3>\n\n\n\n<p>Total debts your family shouldn&#8217;t inherit:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your mortgage balance is $300,000 and needs to be cleared immediately.<\/li>\n\n\n\n<li>Outstanding student loans total $45,000 (yours or kids&#8217;).<\/li>\n\n\n\n<li>Auto loans and personal debt total $25,000.<\/li>\n\n\n\n<li>Credit card and consumer debt come to $15,000.<\/li>\n\n\n\n<li>Business liabilities could exceed $ 100,000 if your family depends on your company.<\/li>\n<\/ul>\n\n\n\n<p>Subtotal example: $485,000. <em>This ensures zero debt burden.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"step-2-add-major-future-goals-what-you-want-funded\">Step 2: Add Major Future Goals (What You Want Funded)<\/h3>\n\n\n\n<p>Protect dreams that won&#8217;t happen without you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Children&#8217;s college will cost $200,000 ($50K\/year \u00d7 4 years).<\/li>\n\n\n\n<li>A child&#8217;s wedding might run $50,000 (optional goal).<\/li>\n\n\n\n<li>Your spouse&#8217;s retirement gap requires $500,000.<\/li>\n\n\n\n<li>Parents&#8217; support and medical buffer needs $100,000.<\/li>\n\n\n\n<li>The emergency fund top-up adds $50,000 (6\u201312 months&#8217; worth of expenses).<\/li>\n<\/ul>\n\n\n\n<p>Subtotal example: $900,000. <em>Funds life milestones, not just survival.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"step-3-add-income-replacement-for-dependents\">Step 3: Add Income Replacement for Dependents<\/h3>\n\n\n\n<p>Replace <em>your contribution<\/em> until they&#8217;re independent:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your annual family expenses are $72,000.<\/li>\n\n\n\n<li>Years needed until independence: 15 years (kids graduate college, spouse stabilises).<\/li>\n\n\n\n<li>Quick math: $72,000 \u00d7 15 = $1,080,000.<\/li>\n\n\n\n<li><em>Or:<\/em> Monthly expenses ($6,000) \u00d7 12 \u00d7 15 years.<\/li>\n<\/ul>\n\n\n\n<p>Why &#8220;years needed&#8221; matters: Kids independent by 22\u201325? Spouse working full-time? Adjust accordingly. Add 3% inflation buffer; $1M today needs $1.5M in 10 years.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"step-4-subtract-existing-resources\">Step 4: Subtract Existing Resources<\/h3>\n\n\n\n<p>Credit what you already have (be realistic):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Savings and investments total $150,000 (checking, brokerage, 401(k)).<\/li>\n\n\n\n<li>Employer\/group life cover provides $100,000 (often 1\u20132x salary) and ends at a job change.<\/li>\n\n\n\n<li>Existing life insurance is worth $250,000 (term + whole life).<\/li>\n<\/ul>\n\n\n\n<p>Caution: Don&#8217;t count illiquid assets (home equity, retirement accounts) unless you&#8217;re okay with liquidating them for survival. 529 plans count for college but not general expenses.<\/p>\n\n\n\n<p>Subtotal example: $500,000.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"step-5-final-coverage-formula\">Step 5: Final Coverage Formula<\/h3>\n\n\n\n<p>Life Cover Needed=(Liabilities+Goals+Income Replacement)\u2212(Existing Assets+Existing Covers)<\/p>\n\n\n\n<p>Your example total: ($485K + $900K + $1,080K) &#8211; $500K = $1,965,000 \u2192 $2M term policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"coverage-calculation-examples\">Coverage Calculation Examples<\/h2>\n\n\n\n<p>See the formula in action.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"example-1-married-with-1-child-mortgage\">Example 1: Married with 1 Child + Mortgage<\/h3>\n\n\n\n<p>Alex (35) earns $90K; his wife works part-time. They have a 5-year-old daughter and a $350K mortgage.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Liabilities total $370,000, including a mortgage balance of $350,000 and a car loan of $20,000, both must be paid off immediately.<\/li>\n\n\n\n<li>Total goals: $180,000, since daughter&#8217;s college will cost $150,000, and they need a $30,000 emergency fund buffer.<\/li>\n\n\n\n<li>Income replacement is $1,200,000 because their $80,000 annual family expenses must be covered for 15 years until their daughter is independent.<\/li>\n\n\n\n<li>They subtract $175,000 from existing savings of $100,000 plus employer-provided life cover of $75,000.<\/li>\n<\/ul>\n\n\n\n<p>Final calculation: ($370K + $180K + $1,200K) &#8211; $175K = $1,575,000 \u2192 Recommend a $1.6M 20-year term policy (costs ~$45\/month).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"example-2-single-professional-with-dependent-parents\">Example 2: Single Professional with Dependent Parents<\/h3>\n\n\n\n<p>Sarah (42) earns $120K, supports ageing parents, carries $60K student debt, and has no kids.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Liabilities<\/strong> total $70,000, up from $60,000 in student loans, plus $10,000 in credit card debt to clear.<\/li>\n\n\n\n<li>Goals total $300,000 to cover $250,000 for parents&#8217; medical\/long-term care plus her $50,000 emergency fund.<\/li>\n\n\n\n<li>Income replacement is $500,000 because she provides $50,000\/year parent support for 10 years as they age out of need.<\/li>\n\n\n\n<li>She subtracts $220,000 from the $120,000 in investments and the $100,000 existing term policy.<\/li>\n<\/ul>\n\n\n\n<p>Final calculation: ($70K + $300K + $500K) &#8211; $220K = $650,000 \u2192 Recommend a $700K term policy (~$35\/month).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"common-mistakes-that-lead-to-wrong-coverage\">Common Mistakes That Lead to Wrong Coverage<\/h2>\n\n\n\n<p>Avoid these traps that leave 70% of Americans underinsured:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buying based only on &#8220;cheap&#8221; premiums means you get $250K coverage when you need $2M, premiums for proper coverage are still affordable ($40\/month).<\/li>\n\n\n\n<li>Counting employer cover as sufficient fails because group life (1\u20132x salary) ends when you quit and excludes health issues.<\/li>\n\n\n\n<li><a href=\"https:\/\/trybeem.com\/blog\/tag\/how-inflation-affects-everyday-finances\/\" data-type=\"post_tag\" data-id=\"17354\" target=\"_blank\" rel=\"noreferrer noopener\">Ignoring inflation <\/a>and time horizon shrinks your $1M policy to $650K in 10 years, plan for 20\u201330-year needs.<\/li>\n\n\n\n<li>Underestimating unpaid liabilities and lifestyle costs misses $400K mortgages, $200K in college costs, and $60K\/year in expenses your family still needs.<\/li>\n\n\n\n<li>Mixing insurance with investment (whole life, ULIPs) gives weak protection + poor returns, you end up with $500K coverage when term + 401(k) could&#8217;ve delivered $2M protection.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"term-insurance-vs-other-life-insurance-for-coverage-needs\">Term Insurance vs Other Life Insurance for Coverage Needs<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Feature<\/td><td>Term Insurance<\/td><td>Whole Life\/Universal<\/td><td>Why It Matters<\/td><\/tr><tr><td>Cost ($1M, 35yo male)<\/td><td>$25\u201345\/month<\/td><td>$400\u2013800\/month<\/td><td>Term = 10x cheaper for same cover<\/td><\/tr><tr><td>Coverage Amount<\/td><td>$1M\u2013$10M easily affordable<\/td><td>$250K\u2013$1M (premium limits it)<\/td><td>Get 4\u201310x more protection<\/td><\/tr><tr><td>Purpose<\/td><td>Death benefit only<\/td><td>Death benefit + cash value<\/td><td>Term = pure protection, no investing<\/td><\/tr><tr><td>Flexibility<\/td><td>10\u201340 year terms, convertible<\/td><td>Lifetime, but locked-in expensive<\/td><td>Adjust as needs change<\/td><\/tr><tr><td>Best For<\/td><td>Most families (80% of needs)<\/td><td>Estate planning (high net worth)<\/td><td>Separate insurance + 401(k)\/IRA<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>Don&#8217;t leave your loved ones guessing. Run the 5-step calculation above\u2014it takes 5 minutes and reveals your exact need. Compare $1M+ term quotes on (free, instant). A $2M policy costs just $30\u2013$60\/month. For complex cases (business ownership, blended families), consult a fee-only advisor at <a href=\"https:\/\/napfa.org\/\" target=\"_blank\" rel=\"noopener\">NAPFA.org<\/a>. Your family&#8217;s financial future starts with one calculation today. Don&#8217;t wait.<\/p>\n\n\n\n<p><a href=\"https:\/\/trybeem.com\/\">Beem<\/a> is a reliable platform that connects people seeking affordable insurance with certified agents who can help them find plans that meet their needs. Our team at Beem is committed to helping you find the most affordable and comprehensive insurance plans. Apart from health and life insurance, Beem offers plans to protect <span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">against<a href=\"https:\/\/trybeem.com\/job-loss-and-disability-insurance\" target=\"_blank\">\u00a0job<\/a><\/span><a href=\"https:\/\/trybeem.com\/job-loss-and-disability-insurance\"> loss<\/a>, or theft of a car or personal devices. Download the <span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">app<a href=\"https:\/\/apps.apple.com\/us\/app\/beem-cash-advance-banking\/id1525101476\" target=\"_blank\" rel=\"noopener\">\u00a0here<\/a><\/span>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs-for-how-much-life-insurance-coverage-do-you-really-need\">FAQs for How Much Life Insurance Coverage Do You Really Need<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1770656082292\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How much term insurance do I need?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Base it on liabilities + goals + income replacement minus assets; most US families need $1M\u2013$3M, but your calculation matters more than a standard number.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770656093470\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Is 10\u00d7 salary enough for life insurance?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Sometimes, for low-debt households, but insufficient with big mortgages, young kids, or single-income families needing $2M+.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770656100352\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Should I include my spouse&#8217;s income in the calculation?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Yes, if they&#8217;ll continue earning reliably\u2014but add a buffer for career breaks, childcare, or health issues.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770656109420\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Do I need life insurance if I&#8217;m single?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Minimal if no dependents, but yes for student loans with cosigners or ageing parents relying on your support.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770656117652\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Can I count 401(k), Roth IRA, and brokerage accounts as existing assets?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Yes, but only liquid portions\u2014retirement accounts shouldn&#8217;t be &#8220;forced&#8221; into survival funding unless necessary.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770656124670\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Is employer-provided life insurance enough?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Usually not\u2014group cover (1\u20133\u00d7 salary) ends when you change jobs and excludes pre-existing conditions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770656135570\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How much life cover do parents need?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Enough to replace income for kids&#8217; college\/household expenses + clear liabilities (often $1M\u2013$2M for middle-class families).<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770656144386\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What&#8217;s the ideal policy term?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Cover until goals are funded and dependents are independent\u201420\u201330 years (age 55\u201365 for most).<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Did you know 78% of Americans are either underinsured or overpaying for life insurance they don&#8217;t need? Most buy coverage based on &#8220;affordable premiums&#8221; or agent pressure, not actual needs. The truth? The right life insurance coverage isn&#8217;t a one-size-fits-all number; it&#8217;s personal and depends on your income, liabilities, dependents, and future goals. In this [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":288924,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18745],"tags":[18996,134,1938,18997],"edited-by":[],"class_list":["post-288921","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","tag-how-much-life-insurance-coverage-do-you-really-need","tag-insurance","tag-life-insurance","tag-life-insurance-coverage"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/288921","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\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=288921"}],"version-history":[{"count":3,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/288921\/revisions"}],"predecessor-version":[{"id":288925,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/288921\/revisions\/288925"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/288924"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=288921"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=288921"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=288921"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=288921"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}