{"id":1457,"date":"2021-04-22T11:01:35","date_gmt":"2021-04-22T10:01:35","guid":{"rendered":"https:\/\/evolvemyretirement.com\/blog\/?p=1457"},"modified":"2026-06-10T16:33:24","modified_gmt":"2026-06-10T15:33:24","slug":"retirement-plan-structure","status":"publish","type":"post","link":"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/","title":{"rendered":"Your Retirement Plan Needs More Structure The Older You Are"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">We&#8217;re continually reminded of the importance of having a retirement plan. But it&#8217;s clear that for someone in their 20s, planning will look quite different from someone in their 50s. And what about for someone who&#8217;s already retired? Let&#8217;s take a look at the three main stages of retirement planning.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Early career: Start saving<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For most young adults, a retirement plan is something to worry about later. There&#8217;s just too much living that&#8217;s more pressing: making ends meet, buying a home, starting a family, seeing the world&#8230; All these things are a big drain on your finances. And in the early stages of your career, finances are often tight. Luckily, employers are now obliged to arrange a pension plan for their employees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A useful starting point is simply getting into the habit of saving. Trying to map out the rest of your life from such a young age is as hard as trying to predict the weather in a year&#8217;s time; so much could change between now and then. Of course that&#8217;s true up to a point at any age, but the younger you are, the more uncertain the future becomes. For many younger adults, a practical approach is simply to save a reasonable amount each month. What counts as \u2018reasonable\u2019 varies, but it often ends up being more than people initially expect.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There&#8217;s one group of young adults who don&#8217;t see retirement as a long way off. Followers of the <a href=\"https:\/\/en.wikipedia.org\/wiki\/FIRE_movement\" target=\"_blank\" rel=\"noreferrer noopener\">FIRE movement<\/a> aim to live frugally and retire early. FIRE stands for &#8220;Financial Independence, Retire Early&#8221;. Of course, the richer you are, the easier FIRE is. For someone earning \u00a3100,000 per year, frugal living would seem like riches beyond the dreams of avarice compared to someone earning \u00a315,000 per year. The way to achieve FIRE is to adjust your spending habits to a level that&#8217;s sustainable before and after early retirement, and for the rest of your life.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The principle of sustainable spending holds true even if you don&#8217;t expect to retire early.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mid career: Make a retirement plan<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once you&#8217;ve established yourself in your chosen career, you&#8217;re in the period of your greatest earning potential. By this stage, many people have significant disposable income. This should mean you have more options than when you were younger. Retirement may still be a way off, so you&#8217;ve now got time to plan for it. This is often a good time to start doing so. With high disposable income comes the temptation to spend unsustainably. If you do that, retirement, when it eventually comes, will be big shock; it will be like falling off a cliff.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This stage of life often lends itself to saving in a more structured way. Unlike in your earlier career, by now you may now have a realistic idea of your income potential. This makes lifetime planning feasible. Many people think that the key to lifetime planning is choosing investments, but an even more fundamental question is understanding what level of spending is sustainable over the long term. If you spend too much now, you risk poverty in retirement. If you spend too little now, you may end up hoarding more wealth than you&#8217;ll ever need. Investments can be viewed as part of the means to support a long\u2011term spending plan. Other factors include holding your investments in the most tax-efficient manner. And to frame it all, it helps to understand your own goals and motivations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This stage of life is often a natural point to start using our distinctive <a href=\"https:\/\/evolvemyretirement.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">retirement-planning calculator<\/a>. It can help you explore different spending and investment strategies in pursuit of your lifetime goals. EvolveMyRetirement\u00ae uses <a href=\"https:\/\/evolvemyretirement.com\/how-our-financial-planning-works\" target=\"_blank\" rel=\"noreferrer noopener\">advanced techniques<\/a> under the hood to generate strategy options for your retirement plan. You can then revisit it as your circumstances or goals change.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Retirement and beyond: staying on track<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You might think that at some point planning retirement becomes redundant. What if you&#8217;ve already retired, or have already made major pre-retirement decisions? Planning doesn\u2019t necessarily stop at retirement; it simply evolves. For some, retirement isn&#8217;t black and white; some prefer to wind down wage earning rather than suddenly stop.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re lucky enough to have an index-linked defined benefit pension that covers all your spending needs, then it&#8217;s true there&#8217;s less planning required. But there&#8217;ll probably still be some, if you have additional savings and investments. For those dependent in any way upon drawing down investments, retirement plans are often reviewed regularly, sometimes annually or more frequently. Personal circumstances and spending needs may change. Investments may rise or fall significantly. Your legacy goals may have shifted. There may be better annuity rates available than when you were younger.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This stage of life often benefits from more structure, since there\u2019s less time to adjust course. We designed <a href=\"https:\/\/evolvemyretirement.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">EvolveMyRetirement<\/a>\u00ae so that it can continue to play a valuable role in gradually adapting your retirement plan after you&#8217;ve retired.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>We&#8217;re continually reminded of the importance of having a retirement plan. But it&#8217;s clear that for someone in their 20s, planning will look quite different from someone in their 50s. And what about for someone who&#8217;s already retired? Let&#8217;s take<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":1,"featured_media":864,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[52],"class_list":["post-1457","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-structure"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Your Retirement Plan Needs More Structure The Older You Are - EvolveMyRetirement<\/title>\n<meta name=\"description\" content=\"How structured does your retirement plan need to be? Find out how EvolveMyRetirement provides the right level of structure at any age.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Your Retirement Plan Needs More Structure The Older You Are - EvolveMyRetirement\" \/>\n<meta property=\"og:description\" content=\"How structured does your retirement plan need to be? Find out how EvolveMyRetirement provides the right level of structure at any age.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/\" \/>\n<meta property=\"og:site_name\" content=\"EvolveMyRetirement\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/evolvemyretirement\" \/>\n<meta property=\"article:published_time\" content=\"2021-04-22T10:01:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-10T15:33:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/space-1609029_640.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"360\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Nick\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@evolvemyretire\" \/>\n<meta name=\"twitter:site\" content=\"@evolvemyretire\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nick\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/retirement-plan-structure\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/retirement-plan-structure\\\/\"},\"author\":{\"name\":\"Nick\",\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/#\\\/schema\\\/person\\\/927febeaea45f5b77b454c800da0e5b8\"},\"headline\":\"Your Retirement Plan Needs More Structure The Older You Are\",\"datePublished\":\"2021-04-22T10:01:35+00:00\",\"dateModified\":\"2026-06-10T15:33:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/retirement-plan-structure\\\/\"},\"wordCount\":845,\"commentCount\":6,\"publisher\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/retirement-plan-structure\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/wp-content\\\/uploads\\\/space-1609029_640.jpg\",\"keywords\":[\"structure\"],\"articleSection\":[\"Uncategorized\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/retirement-plan-structure\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/retirement-plan-structure\\\/\",\"url\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/retirement-plan-structure\\\/\",\"name\":\"Your Retirement Plan Needs More Structure The Older You Are - EvolveMyRetirement\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/retirement-plan-structure\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/retirement-plan-structure\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/wp-content\\\/uploads\\\/space-1609029_640.jpg\",\"datePublished\":\"2021-04-22T10:01:35+00:00\",\"dateModified\":\"2026-06-10T15:33:24+00:00\",\"description\":\"How structured does your retirement plan need to be? Find out how EvolveMyRetirement provides the right level of structure at any age.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/retirement-plan-structure\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/retirement-plan-structure\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/retirement-plan-structure\\\/#primaryimage\",\"url\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/wp-content\\\/uploads\\\/space-1609029_640.jpg\",\"contentUrl\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/wp-content\\\/uploads\\\/space-1609029_640.jpg\",\"width\":640,\"height\":360,\"caption\":\"retirement-plan-structure\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/retirement-plan-structure\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Your Retirement Plan Needs More Structure The Older You Are\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/\",\"name\":\"EvolveMyRetirement\",\"description\":\"Read Our Blogs\",\"publisher\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/#organization\",\"name\":\"EvolveMyRetirement\",\"url\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/wp-content\\\/uploads\\\/emr-logo-and-name-1.png\",\"contentUrl\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/wp-content\\\/uploads\\\/emr-logo-and-name-1.png\",\"width\":443,\"height\":42,\"caption\":\"EvolveMyRetirement\"},\"image\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/evolvemyretirement\",\"https:\\\/\\\/x.com\\\/evolvemyretire\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/evolvemyretirement\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/#\\\/schema\\\/person\\\/927febeaea45f5b77b454c800da0e5b8\",\"name\":\"Nick\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/514e3ee795f9153755a849e4102fbc87a8705db8b1adc90beb955a89990f45ab?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/514e3ee795f9153755a849e4102fbc87a8705db8b1adc90beb955a89990f45ab?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/514e3ee795f9153755a849e4102fbc87a8705db8b1adc90beb955a89990f45ab?s=96&d=mm&r=g\",\"caption\":\"Nick\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Your Retirement Plan Needs More Structure The Older You Are - EvolveMyRetirement","description":"How structured does your retirement plan need to be? Find out how EvolveMyRetirement provides the right level of structure at any age.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/","og_locale":"en_GB","og_type":"article","og_title":"Your Retirement Plan Needs More Structure The Older You Are - EvolveMyRetirement","og_description":"How structured does your retirement plan need to be? Find out how EvolveMyRetirement provides the right level of structure at any age.","og_url":"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/","og_site_name":"EvolveMyRetirement","article_publisher":"https:\/\/www.facebook.com\/evolvemyretirement","article_published_time":"2021-04-22T10:01:35+00:00","article_modified_time":"2026-06-10T15:33:24+00:00","og_image":[{"width":640,"height":360,"url":"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/space-1609029_640.jpg","type":"image\/jpeg"}],"author":"Nick","twitter_card":"summary_large_image","twitter_creator":"@evolvemyretire","twitter_site":"@evolvemyretire","twitter_misc":{"Written by":"Nick","Estimated reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/#article","isPartOf":{"@id":"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/"},"author":{"name":"Nick","@id":"https:\/\/evolvemyretirement.com\/blog\/#\/schema\/person\/927febeaea45f5b77b454c800da0e5b8"},"headline":"Your Retirement Plan Needs More Structure The Older You Are","datePublished":"2021-04-22T10:01:35+00:00","dateModified":"2026-06-10T15:33:24+00:00","mainEntityOfPage":{"@id":"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/"},"wordCount":845,"commentCount":6,"publisher":{"@id":"https:\/\/evolvemyretirement.com\/blog\/#organization"},"image":{"@id":"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/#primaryimage"},"thumbnailUrl":"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/space-1609029_640.jpg","keywords":["structure"],"articleSection":["Uncategorized"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/","url":"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/","name":"Your Retirement Plan Needs More Structure The Older You Are - EvolveMyRetirement","isPartOf":{"@id":"https:\/\/evolvemyretirement.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/#primaryimage"},"image":{"@id":"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/#primaryimage"},"thumbnailUrl":"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/space-1609029_640.jpg","datePublished":"2021-04-22T10:01:35+00:00","dateModified":"2026-06-10T15:33:24+00:00","description":"How structured does your retirement plan need to be? Find out how EvolveMyRetirement provides the right level of structure at any age.","breadcrumb":{"@id":"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/#primaryimage","url":"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/space-1609029_640.jpg","contentUrl":"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/space-1609029_640.jpg","width":640,"height":360,"caption":"retirement-plan-structure"},{"@type":"BreadcrumbList","@id":"https:\/\/evolvemyretirement.com\/blog\/retirement-plan-structure\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/evolvemyretirement.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Your Retirement Plan Needs More Structure The Older You Are"}]},{"@type":"WebSite","@id":"https:\/\/evolvemyretirement.com\/blog\/#website","url":"https:\/\/evolvemyretirement.com\/blog\/","name":"EvolveMyRetirement","description":"Read Our Blogs","publisher":{"@id":"https:\/\/evolvemyretirement.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/evolvemyretirement.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/evolvemyretirement.com\/blog\/#organization","name":"EvolveMyRetirement","url":"https:\/\/evolvemyretirement.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/evolvemyretirement.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/emr-logo-and-name-1.png","contentUrl":"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/emr-logo-and-name-1.png","width":443,"height":42,"caption":"EvolveMyRetirement"},"image":{"@id":"https:\/\/evolvemyretirement.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/evolvemyretirement","https:\/\/x.com\/evolvemyretire","https:\/\/www.linkedin.com\/company\/evolvemyretirement"]},{"@type":"Person","@id":"https:\/\/evolvemyretirement.com\/blog\/#\/schema\/person\/927febeaea45f5b77b454c800da0e5b8","name":"Nick","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/secure.gravatar.com\/avatar\/514e3ee795f9153755a849e4102fbc87a8705db8b1adc90beb955a89990f45ab?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/514e3ee795f9153755a849e4102fbc87a8705db8b1adc90beb955a89990f45ab?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/514e3ee795f9153755a849e4102fbc87a8705db8b1adc90beb955a89990f45ab?s=96&d=mm&r=g","caption":"Nick"}}]}},"_links":{"self":[{"href":"https:\/\/evolvemyretirement.com\/blog\/wp-json\/wp\/v2\/posts\/1457","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/evolvemyretirement.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/evolvemyretirement.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/evolvemyretirement.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/evolvemyretirement.com\/blog\/wp-json\/wp\/v2\/comments?post=1457"}],"version-history":[{"count":38,"href":"https:\/\/evolvemyretirement.com\/blog\/wp-json\/wp\/v2\/posts\/1457\/revisions"}],"predecessor-version":[{"id":2574,"href":"https:\/\/evolvemyretirement.com\/blog\/wp-json\/wp\/v2\/posts\/1457\/revisions\/2574"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/evolvemyretirement.com\/blog\/wp-json\/wp\/v2\/media\/864"}],"wp:attachment":[{"href":"https:\/\/evolvemyretirement.com\/blog\/wp-json\/wp\/v2\/media?parent=1457"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/evolvemyretirement.com\/blog\/wp-json\/wp\/v2\/categories?post=1457"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/evolvemyretirement.com\/blog\/wp-json\/wp\/v2\/tags?post=1457"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}