{"id":302282,"date":"2026-08-10T15:31:18","date_gmt":"2026-08-10T10:01:18","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=302282"},"modified":"2026-08-10T15:31:19","modified_gmt":"2026-08-10T10:01:19","slug":"financial-planning-for-career-pivots","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/financial-planning-for-career-pivots\/","title":{"rendered":"Financial Planning for Career Pivots and Industry Changes"},"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=\"#understand-the-financial-impact-of-your-career-pivot\">Understand the Financial Impact of Your Career Pivot<\/a><\/li><li><a href=\"#build-an-emergency-fund-before-making-the-switch\">Build an Emergency Fund Before Making the Switch<\/a><\/li><li><a href=\"#create-a-career-transition-budget\">Create a Career Transition Budget<\/a><ul><li><a href=\"#estimate-your-new-monthly-expenses\">Estimate Your New Monthly Expenses<\/a><\/li><li><a href=\"#budget-for-career-change-expenses\">Budget for Career Change Expenses<\/a><\/li><li><a href=\"#plan-for-a-potential-income-gap\">Plan for a Potential Income Gap<\/a><\/li><\/ul><\/li><li><a href=\"#reevaluate-your-debt-before-changing-careers\">Reevaluate Before Changing Careers<\/a><\/li><li><a href=\"#plan-for-health-insurance-and-other-benefits\">Plan for Health Insurance and Other Benefits<\/a><\/li><li><a href=\"#decide-how-much-you-can-afford-to-invest-in-retraining\">Decide How Much You Can Afford to Invest in Retraining<\/a><\/li><li><a href=\"#adjust-your-retirement-strategy-during-a-career-change\">Adjust Your Retirement Strategy During a Career Change<\/a><\/li><li><a href=\"#consider-a-gradual-career-pivot\">Consider a Gradual Career Pivot<\/a><\/li><li><a href=\"#protect-your-finances-during-the-transition\">Protect Your Finances During the Transition<\/a><\/li><li><a href=\"#how-to-prepare-for-a-lower-salary-after-a-career-pivot\">How to Prepare for a Lower Salary After a Career Pivot<\/a><\/li><li><a href=\"#common-financial-mistakes-to-avoid-during-a-career-change\">Common Financial Mistakes to Avoid During a Career Change<\/a><\/li><li><a href=\"#h-2-a-step-by-step-financial-plan-for-your-career-pivot\">A Step-by-Step Financial Plan for Your Career Pivot<\/a><\/li><li><a href=\"#frequently-asked-questions\">FAQs: Financial Planning for Career Pivots and Industry Changes<\/a><\/li><li><a href=\"#faq-question-1786355499595\">How much money should I save before changing careers?<\/a><\/li><li><a href=\"#faq-question-1786355504450\">Should I pay off debt before making a career change?<\/a><\/li><li><a href=\"#faq-question-1786355508321\">How can I afford to switch industries without compromising my financial stability?<\/a><\/li><li><a href=\"#faq-question-1786355511914\">Should I go back to school for a career change?<\/a><\/li><li><a href=\"#faq-question-1786355515914\">How do I protect my retirement savings during a career transition?<\/a><\/li><li><a href=\"#final-thoughts-make-your-career-pivot-financially-sustainable\">Final Thoughts: Make Your Career Pivot Financially Sustainable<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Midlife professionals are no longer the only ones undertaking career changes. Nowadays, people switch careers to seek better opportunities, improved work-life balance, greater earning potential, higher job satisfaction, or to keep up with rapid technological shifts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you\u2019re moving from healthcare to technology, data analytics to corporate marketing, or corporate employment to entrepreneurship, career pivots have become a normal part of professional life.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Making a professional move also requires a financial one. Experiencing an income gap, purchasing retraining courses, navigating changes in employee benefits, or facing unforeseen costs associated with establishing yourself in a new field can create significant uncertainty. Without proper financial planning, your career transition can lead to unnecessary stress and difficult choices.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A well-thought-out financial plan better prepares you to manage risks and remain financially stable. This allows you to focus on developing your new career rather than worrying about the financial aspects of the transition.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This blog explains how to prepare financially before, during, and after a career transition.<\/p>\n\n\n\n<h2 id=\"understand-the-financial-impact-of-your-career-pivot\" class=\"wp-block-heading\">Understand the Financial Impact of Your Career Pivot<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Assess how the transition will impact your finances before resigning from your current position. Start by comparing your current income to the earnings you anticipate in your new role. Explore how bonuses, commissions, stock options, overtime, and other compensation may change or disappear upon switching career tracks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Compare health insurance, retirement contributions, vacation\/paid leave, disability benefits,s and other benefits between your current and future employers. Lastly, estimate the short-term financial impacts and the long-term financial rewards of your new career.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=270432&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">How to Upskill for a Career Pivot in 2025 &amp; Beyond<\/a><\/p>\n\n\n\n<h2 id=\"build-an-emergency-fund-before-making-the-switch\" class=\"wp-block-heading\">Build an Emergency Fund Before Making the Switch<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Even after landing a new position, you might experience gaps in employment or time lags before receiving your first paycheck, which can temporarily strain your finances.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An emergency fund can help you weather this period. Most financial advisors recommend saving at least 3 to 6 months&#8217; worth of essential living expenses before transitioning into a new field.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Six to twelve months&#8217; savings are appropriate if you\u2019re moving to an industry that has an unpredictable future or starting your own business. It\u2019s important to keep your college, certification, and <a href=\"https:\/\/trybeem.com\/blog\/financial-planning-for-cross-country-relocation\/\" target=\"_blank\" rel=\"noreferrer noopener\">relocation expenses<\/a> separate from your emergency savings; combining the accounts can diminish the safety net.<\/p>\n\n\n\n<h2 id=\"create-a-career-transition-budget\" class=\"wp-block-heading\">Create a Career Transition Budget<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Career changes can be expensive if we don\u2019t stick to a budget<\/p>\n\n\n\n<h3 id=\"estimate-your-new-monthly-expenses\" class=\"wp-block-heading\">Estimate Your New Monthly Expenses<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A career move often impacts more than just your salary. You may need to account for changes in housing, transportation, childcare, work apparel, or home office needs. While some new jobs require daily commuting, others offer remote options that can reduce transportation expenses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Project your estimated monthly expenses based on your new situation rather than assuming your costs will remain the same.<\/p>\n\n\n\n<h3 id=\"budget-for-career-change-expenses\" class=\"wp-block-heading\">Budget for Career Change Expenses<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many career changes involve upfront costs, such as tuition, certification fees, professional memberships, networking events, interview travel, resume writing services, career coaching, and licensing exams.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adding them to your budget can save you from nasty financial surprises.<\/p>\n\n\n\n<h3 id=\"plan-for-a-potential-income-gap\" class=\"wp-block-heading\">Plan for a Potential Income Gap<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Estimate how long your unemployment or reduced earning period might be. Determine how much you would need in savings to support your essential priorities throughout the transition.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Planning for a longer-than-expected transition can ease the distress of a prolonged job search.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=283138&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">Financial Planning for a Mid-Career Sabbatical<\/a><\/p>\n\n\n\n<h2 id=\"reevaluate-your-debt-before-changing-careers\" class=\"wp-block-heading\">Reevaluate Before Changing Careers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your debt becomes harder to manage when your income takes an unexpected dip. Take inventory of each monthly obligation, including mortgage payments, student loans, car loans, and credit card payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pay off high-interest debt before leaving a stable paycheck; lower debt obligations provide more flexibility during the cash-flow-constrained period of your transition.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If refinancing could lower your monthly payments, consider completing the process while you still have a steady income, as it may be harder to qualify during your transition.<\/p>\n\n\n\n<h2 id=\"plan-for-health-insurance-and-other-benefits\" class=\"wp-block-heading\">Plan for Health Insurance and Other Benefits<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Employer-sponsored benefits are often more valuable than they appear. Confirm exactly when your current coverage expires,s and explore options such as spouse coverage, marketplace plans, or COBRA. Compare annual premiums, deductibles, and out-of-pocket maximums rather than focusing solely on monthly costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Don&#8217;t overlook life and disability insurance; if your employer provides these now, you will likely need private policies after you move. Additionally, understand what will happen to your retirement plan and any unvested employer contributions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=280622&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">Financial Planning for Career Change: Steps to Secure Income<\/a><\/p>\n\n\n\n<h2 id=\"decide-how-much-you-can-afford-to-invest-in-retraining\" class=\"wp-block-heading\">Decide How Much You Can Afford to Invest in Retraining<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You may need to learn a new set of skills to switch industries, but education should be treated as an investment. Match the tuition against the increase in expected future earnings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A pricey degree is not always necessary to move into a new line of work. Browse employer-sponsored training, professional development benefits, apprenticeship, and tuition reimbursement plans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Low-cost certifications, boot camps, and online courses might be all that&#8217;s needed to pass the job qualifications without adding much debt.<\/p>\n\n\n\n<h2 id=\"adjust-your-retirement-strategy-during-a-career-change\" class=\"wp-block-heading\">Adjust Your Retirement Strategy During a Career Change<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Maintain your retirement goals unless facing a true financial emergency. Avoid cashing out retirement funds, as this can hinder long-term growth and trigger significant <a href=\"https:\/\/trybeem.com\/blog\/how-to-avoid-tax-penalties-in-states-with-july-31-deadline\/\" target=\"_blank\" rel=\"noreferrer noopener\">tax penalties.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider rolling over your retirement accounts into your new employer\u2019s plan or an IRA to simplify management. If your new employer offers matching contributions, aim to contribute enough to receive the full match whenever possible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you experience a dip in income in the short term, adopt a more flexible approach to retirement contributions, but continue saving and investing regularly until your wages recover.<\/p>\n\n\n\n<h2 id=\"consider-a-gradual-career-pivot\" class=\"wp-block-heading\">Consider a Gradual Career Pivot<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Instead of resigning, stay employed in your current job while you take on freelance or consulting work in your desired field.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Securing part-time work or side projects allows you to gain relevant experience, build a network, and test whether the new career aligns with your expectations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This strategy provides additional income while you acquire new skills, reducing the financial pressure associated with a full transition.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=302113&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">How to Use Financial Planning to Prepare for the Impact of Inflation<\/a><\/p>\n\n\n\n<h2 id=\"protect-your-finances-during-the-transition\" class=\"wp-block-heading\">Protect Your Finances During the Transition<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Financial discipline is essential during this period. Maintain sufficient liquidity even after securing a new job. If your new role comes with a higher salary, resist the urge to increase spending immediately; instead, use the extra income to rebuild savings or pay down debt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Track your spending and keep reviewing your budget. Career changes often come with shifts in your financial priorities, so keep your life flexible.<\/p>\n\n\n\n<h2 id=\"how-to-prepare-for-a-lower-salary-after-a-career-pivot\" class=\"wp-block-heading\">How to Prepare for a Lower Salary After a Career Pivot<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In some cases, a career pivot may require accepting a lower initial salary. If this happens, recalculate your monthly budget based on your new earnings and prioritize essentials like housing, food, insurance, and debt repayment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Look for ways to reduce fixed costs by renegotiating <a href=\"https:\/\/trybeem.com\/blog\/life-insurance-premiums\/\" target=\"_blank\" rel=\"noreferrer noopener\">insurance premiums<\/a> or cutting unused subscriptions. You may need to temporarily reduce savings goals while staying focused on your long-term objectives.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As you earn more in your new career, you can slowly rebuild your savings and ramp up your investments.<\/p>\n\n\n\n<h2 id=\"common-financial-mistakes-to-avoid-during-a-career-change\" class=\"wp-block-heading\">Common Financial Mistakes to Avoid During a Career Change<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A career change can be unnecessarily difficult if you fall into common financial traps. Avoid blunders such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quitting a job without enough savings<\/li>\n\n\n\n<li>Assuming you know how long it takes to find a new job<\/li>\n\n\n\n<li>Not accounting for healthcare costs<\/li>\n\n\n\n<li>Accumulating too much education debt<\/li>\n\n\n\n<li>Cashing out retirement accounts<\/li>\n\n\n\n<li>Spending more on lifestyle too fast after a raise<\/li>\n\n\n\n<li>Failing to consider tax and benefit changes<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Being aware of these risks puts you in a position to respond.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=280622&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">Financial Planning for Career Change: Steps to Secure Income<\/a><\/p>\n\n\n\n<h2 id=\"h-2-a-step-by-step-financial-plan-for-your-career-pivot\" class=\"wp-block-heading\">A Step-by-Step Financial Plan for Your Career Pivot<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 1: Define Your Career and Income Goals<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Identify your intended career path, earning expectations, and long-term objectives to ensure your move sets you up for success.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 2: Calculate Your Current Financial Position<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Analyze your current income, expenses, savings, debt, and investments to gain a clear picture of your financial health before making any changes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 3: Estimate Career Transition Costs<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plan for the costs of education, certification, relocation, job searching, networking, and training to create a realistic budget for your upcoming career change.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 4: Build Your Emergency Fund<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Save enough to cover several months of living expenses, providing a safety net for potential employment gaps or lower initial earnings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 5: Review Your Debt Obligations<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">List all debts and focus on paying down those with the highest interest rates to lower your monthly obligations before transitioning.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 6: Research Healthcare and Benefits<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Determine how your health insurance, <a href=\"https:\/\/trybeem.com\/blog\/save-for-down-payment-growing-retirement-savings\/\" target=\"_blank\" rel=\"noreferrer noopener\">retirement contributions<\/a>, disability benefits, and other perks will change when you leave your current employer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 7: Budget for Education or Training<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enroll in courses or certifications that bridge your skill gaps and offer strong long-term returns without incurring excessive debt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 8: Create a Plan for Your Retirement Savings<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Protect your existing savings and continue contributing if possible. Avoid unnecessary withdrawals or high-tax conversions to preserve your future security.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 9: Consider a Gradual Transition<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Earn supplemental income through freelance or consulting work while gaining experience, which helps mitigate financial risk.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 10: Review Your Financial Plan After Starting Your New Career<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As your income stabilizes in your new career, re-evaluate your budget, savings, and investments, and adjust your strategy as needed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=272063&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">Managing Finances During Career Change<\/a><\/p>\n\n\n\n<h2 id=\"frequently-asked-questions\" class=\"wp-block-heading\">FAQs: Financial Planning for Career Pivots and Industry Changes<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1786355499595\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How much money should I save before changing careers?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Aim to save at least three to six months\u2019 worth of living expenses. If you are entering a volatile industry or starting a business, a 6- to 12-month safety net is recommended.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1786355504450\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Should I pay off debt before making a career change?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Paying down high-interest debt before a career pivot can increase financial flexibility, but you should also have sufficient emergency savings.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1786355508321\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How can I afford to switch industries without compromising my financial stability?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Create a realistic transition budget, build an emergency fund, trim discretionary expenses, and consider easing into your new field through freelance or part-time work.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1786355511914\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Should I go back to school for a career change?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Not always. For many employers, certifications, online courses, and on-the-job experience can be just as valuable as a full degree.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1786355515914\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How do I protect my retirement savings during a career transition?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Avoid early withdrawals whenever possible. Continue contributing as your circumstances allow, maximize employer matches, and consider consolidating accounts through rollovers.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h2 id=\"final-thoughts-make-your-career-pivot-financially-sustainable\" class=\"wp-block-heading\">Final Thoughts: Make Your Career Pivot Financially Sustainable<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A career change can lead to greater professional satisfaction and better long-term earning potential, but even the most promising move requires careful financial preparation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding the impact on your income, expenses, and benefits helps reduce uncertainty. Establishing an emergency fund, managing debt, and protecting your retirement savings are essential steps in funding your next chapter.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Opt for a gradual transition to gain experience while maintaining stability. Once you have settled into your new role, revisit your financial plan regularly to ensure it aligns with your evolving goals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The goal is to make a career choice that supports your professional goals and future financial security.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<a href=\"https:\/\/trybeem.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Beem<\/a>&nbsp;offers budgeting and financial planning tools designed to help people better understand their money habits and manage their financial decisions.&nbsp;<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.useline.line\" target=\"_blank\" rel=\"noreferrer noopener\">Download the Beem app.<\/a>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Midlife professionals are no longer the only ones undertaking career changes. Nowadays, people switch careers to seek better opportunities, improved work-life balance, greater earning potential, higher job satisfaction, or to keep up with rapid technological shifts. Whether you\u2019re moving from healthcare to technology, data analytics to corporate marketing, or corporate employment to entrepreneurship, career pivots [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":274734,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3106],"tags":[4790,16013,107],"edited-by":[],"class_list":["post-302282","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-save","tag-beem","tag-career-change","tag-financial-planning"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/302282","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=302282"}],"version-history":[{"count":6,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/302282\/revisions"}],"predecessor-version":[{"id":302305,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/302282\/revisions\/302305"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/274734"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=302282"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=302282"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=302282"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=302282"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}