{"id":277981,"date":"2026-09-02T12:35:27","date_gmt":"2026-09-02T07:05:27","guid":{"rendered":"https:\/\/imarticus.org\/blog\/?p=277981"},"modified":"2026-09-02T12:35:33","modified_gmt":"2026-09-02T07:05:33","slug":"financial-literacy","status":"publish","type":"post","link":"https:\/\/imarticus.org\/blog\/financial-literacy\/","title":{"rendered":"Financial Literacy: The Money Class School Never Taught"},"content":{"rendered":"\n<style>\n  .wrap {\n    margin: 24px 0;\n    width: 100%;\n    box-sizing: border-box;\n  }\n  .card {\n    box-sizing: border-box;\n    width: 100%;\n    max-width: 720px;\n    margin: 0 auto;\n    background: #eaf6ec;\n    border: 1.5px solid #b0dabb;\n    border-radius: clamp(16px, 3vw, 26px);\n    padding: clamp(22px, 4.5vw, 44px);\n    text-align: center;\n    font-family: 'Manrope', Arial, Helvetica, sans-serif;\n  }\n  .card * {\n    box-sizing: border-box;\n  }\n  .badge {\n    display: block;\n    text-align: left;\n    margin: 0 0 10px 0;\n    color: #2f7a4d;\n    font-weight: 800;\n    font-size: 15px;\n    letter-spacing: 0.04em;\n    text-transform: uppercase;\n  }\n  .card p {\n    font-size: clamp(14.5px, 1.8vw, 16.5px);\n    line-height: 1.7;\n    color: #2c3e33;\n    margin: 0;\n    text-align: left;\n    overflow-wrap: break-word; \/* Prevents long text from pushing width *\/\n  }\n  .card strong {\n    color: #1f3d2a;\n    font-weight: 700;\n  }\n<\/style>\n\n<div class=\"wrap\">\n  <div class=\"card\">\n    <div class=\"badge\">Summary<\/div>\n    <p>\n      Financial literacy isn&#8217;t about how much you earn; it&#8217;s about knowing what to do with what you have. This blog breaks down what financial literacy actually means, why it matters for your everyday money decisions, and the core areas that make it up: budgeting, saving, investing, borrowing, and protecting your finances. By the end, you&#8217;ll have a clearer, practical starting point for managing your money better. \n    <\/p>\n  <\/div>\n<\/div>\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">I still budget in a notebook app my father showed me when I was twenty-two. I still get it wrong some months. That&#8217;s the part nobody tells you about financial literacy. It isn&#8217;t a certificate you earn once. It&#8217;s a habit you build, lose, and rebuild, usually right after a bad month with your credit card statement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Over the years of writing about money and financial education, I&#8217;ve noticed a pattern. People don&#8217;t lack intelligence. They lack a starting point. Nobody sat us down and explained what financial literacy means in plain language, or why it quietly decides how secure our lives feel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This piece is that starting point. I&#8217;ll cover what financial literacy means, why it matters in India, its core pillars, a step-by-step way to build it, the best financial literacy books, how it shifts across life stages, and the mistakes that quietly cost people the most. If you want to turn this into a career skill, Imarticus Learning&#8217;s <a href=\"https:\/\/imarticus.org\/finance\/\">finance courses<\/a> are worth a look once you&#8217;re done reading.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Meaning of Financial Literacy<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quick question: when did anyone last explain money to you the way they explained fractions?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Probably never. That&#8217;s why &#8220;what is financial literacy&#8221; gets searched so often.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In plain terms, financial literacy is the ability to understand and use money skills like budgeting, saving, investing, borrowing, and protecting your money, to make sound decisions instead of guesses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Take Priya, a 26-year-old marketing executive in Pune. She earns well. Her account still runs dry by the 20th every month. She isn&#8217;t reckless. She never learned to track her spending or compare a mutual fund to a fixed deposit. That&#8217;s financial literacy meaning in real life: not a finance degree, just working money knowledge.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A quick distinction worth making:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Financial literacy is not wealth.<\/strong> Plenty of high earners manage money badly. Plenty of modest earners manage it well.<\/li>\n\n\n\n<li><strong>Financial literacy is not financial inclusion.<\/strong> Inclusion just means access, a bank account, a loan. Literacy means knowing what to do with them.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Financial literacy rests on four connected areas:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Area<\/strong><\/td><td><strong>What It Covers<\/strong><\/td><\/tr><tr><td><strong>Knowledge<\/strong><\/td><td>Facts and concepts about money<\/td><\/tr><tr><td><strong>Behaviour<\/strong><\/td><td>What you actually do with your money<\/td><\/tr><tr><td><strong>Attitude<\/strong><\/td><td>How you feel about saving versus spending<\/td><\/tr><tr><td><strong>Confidence<\/strong><\/td><td>Whether you trust your own money decisions<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">All four need to work together. Knowing what compound interest is won&#8217;t help if your behaviour still says &#8220;I&#8217;ll start next month.&#8221;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#7bdbb51a\"><strong><em>Did You Know?<\/em> <em><br><\/em><\/strong><em>India&#8217;s national survey found that only 27% of adults are financially literate. Urban India scores 33%, rural India 24%<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why Financial Literacy Matters More Than Ever in India<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Financial literacy has a measurable impact. It shapes how much debt a household carries, how prepared people are for retirement, and how exposed they are to financial scams.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The<a href=\"https:\/\/ncfe.org.in\/wp-content\/uploads\/2023\/12\/ExecSumm_.pdf\"> National Centre for Financial Education<\/a> ran India&#8217;s most comprehensive study on this, the Financial Literacy and Inclusion Survey. The finding is sobering: barely a quarter of Indian adults meet the basic literacy threshold. Financial access has grown fast through UPI and Jan Dhan accounts. Financial understanding hasn&#8217;t kept pace.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s how that gap breaks down by group:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Group<\/strong><\/td><td><strong>Financial Literacy Level<\/strong><\/td><\/tr><tr><td><strong>National average<\/strong><\/td><td>27%<\/td><\/tr><tr><td><strong>Urban India<\/strong><\/td><td>33%<\/td><\/tr><tr><td><strong>Rural India<\/strong><\/td><td>24%<\/td><\/tr><tr><td><strong>Men<\/strong><\/td><td>29%<\/td><\/tr><tr><td><strong>Women<\/strong><\/td><td>21%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The gender and urban-rural gaps aren&#8217;t footnotes. They&#8217;re the main story. That&#8217;s exactly why RBI and SEBI now run dedicated financial literacy weeks, school programmes, and awareness drives across the country.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For an individual, low financial literacy shows up as small, quiet losses:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Paying more interest than necessary on a credit card<\/li>\n\n\n\n<li>Buying insurance you don&#8217;t fully understand<\/li>\n\n\n\n<li>Missing years of compounding because investing felt intimidating<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">None of these feel dramatic on their own. They add up fast.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At a national level, the stakes are bigger. India&#8217;s National Strategy for Financial Education treats this as economic infrastructure, not just a personal virtue. A financially literate population takes fewer predatory loans and falls for fewer digital payment scams. The country built financial access first. It&#8217;s now racing to build the understanding to match it.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Tax Literacy, The Pillar Everyone Forgets<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s an uncomfortable pattern I&#8217;ve noticed in years of writing about personal finance: people who diligently track their SIPs and emergency funds will still let their employer&#8217;s default tax regime decide how much money leaves their account every March, without ever comparing it against the alternative.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tax literacy rarely makes it onto anyone&#8217;s list of financial literacy pillars, and yet it&#8217;s often the single biggest lever a salaried Indian has over their own take-home income. You can&#8217;t out-invest a tax filing mistake made every year for a decade.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Old Regime vs New Regime<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Choosing between the two isn&#8217;t a one-time decision; it needs a fresh comparison most years, especially after a salary hike or a new investment.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>Old Regime<\/strong><\/td><td><strong>New Regime<\/strong><\/td><\/tr><tr><td><strong>Tax slab rates<\/strong><\/td><td>Higher<\/td><td>Lower<\/td><\/tr><tr><td><strong>Deductions and exemptions<\/strong><\/td><td>Available (80C, 80D, HRA, home loan interest, etc.)<\/td><td>Mostly removed<\/td><\/tr><tr><td><strong>Best suited for<\/strong><\/td><td>Those with significant investments, loans, or insurance premiums to claim<\/td><td>Those with few deductions to claim, or a simpler income structure<\/td><\/tr><tr><td><strong>Needs annual review<\/strong><\/td><td>Yes, especially after a salary hike or new investment<\/td><td>Yes, for the same reasons<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Takeaway: the &#8220;better&#8221; regime isn&#8217;t fixed; it depends on how much you&#8217;re actually claiming each year, which is exactly why this needs to be checked annually rather than decided once.<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Section 80C and Beyond<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Section 80C alone covers a combined limit of \u20b91.5 lakh under the old regime, but it&#8217;s rarely the only deduction available.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Section<\/strong><\/td><td><strong>What It Covers<\/strong><\/td><td><strong>Limit<\/strong><\/td><\/tr><tr><td><strong>80C<\/strong><\/td><td>PF, ELSS, life insurance premiums, home loan principal repayment<\/td><td>\u20b91.5 lakh (combined)<\/td><\/tr><tr><td><strong>80D<\/strong><\/td><td>Health insurance premiums<\/td><td>Varies by age and dependents<\/td><\/tr><tr><td><strong>80CCD(1B)<\/strong><\/td><td>Additional NPS contribution<\/td><td>\u20b950,000 (over and above 80C)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>TDS is not the final word.<\/strong> Tax deducted at source is an estimate, not a settlement. Plenty of people assume that because tax was already deducted from their salary, there&#8217;s nothing left to reconcile, and then miss refunds they were owed or interest they now owe.<\/li>\n\n\n\n<li><strong>Capital gains taxation on investments.<\/strong> Equity mutual funds, stocks, and even that gold ETF you forgot about are all taxed differently depending on how long you held them. Selling an investment without checking the holding period is one of the quieter ways people lose money to tax that a little planning would have avoided.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A simple way to picture the gap: imagine two colleagues with the identical salary. One files taxes carefully every year, claims every eligible deduction, and reviews their regime choice annually. The other lets the payroll system auto-deduct and files in a rush every July. Over a ten-year career, the difference in retained income between them can run into several lakhs, without either of them earning a rupee more or less.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tax literacy is where financial literacy stops being theoretical and starts showing up directly in your bank balance every single month. It&#8217;s also one of the more employable finance skills, since almost every company, from a startup to a listed enterprise, needs people who actually understand how tax planning connects to broader financial decisions.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Key Areas of Financial Literacy&nbsp;<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Think of financial literacy as five learnable skills, not one big subject.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Pillar<\/strong><\/td><td><strong>What It Means<\/strong><\/td><\/tr><tr><td><strong>Budgeting<\/strong><\/td><td>Matching spending to income on purpose. A 50-30-20 split (needs, wants, savings) is a solid start.<\/td><\/tr><tr><td><strong>Saving<\/strong><\/td><td>Setting money aside before you&#8217;re tempted to spend it. Aim for 3 to 6 months of expenses in an emergency fund.<\/td><\/tr><tr><td><strong>Investing<\/strong><\/td><td>Putting savings to work so they grow faster than inflation erodes them.<\/td><\/tr><tr><td><strong>Borrowing and credit<\/strong><\/td><td>Understanding interest, credit scores, and loan terms so debt doesn&#8217;t trap you.<\/td><\/tr><tr><td><strong>Protection and insurance<\/strong><\/td><td>Making sure one bad event, illness, accident, or worse, doesn&#8217;t undo everything you&#8217;ve built.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"865\" height=\"540\" src=\"https:\/\/imarticus.org\/blog\/wp-content\/uploads\/2026\/09\/financial-literacy-pillars.webp\" alt=\"pillar of financial literacy\" class=\"wp-image-277983\" srcset=\"https:\/\/imarticus.org\/blog\/wp-content\/uploads\/2026\/09\/financial-literacy-pillars.webp 865w, https:\/\/imarticus.org\/blog\/wp-content\/uploads\/2026\/09\/financial-literacy-pillars-300x187.webp 300w, https:\/\/imarticus.org\/blog\/wp-content\/uploads\/2026\/09\/financial-literacy-pillars-768x479.webp 768w\" sizes=\"auto, (max-width: 865px) 100vw, 865px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">These pillars are not considered individually. If you don&#8217;t make a budget, you&#8217;re only telling yourself where your money has gone. Investing is the only way to beat inflation, whereas saving is merely a way to guard against inflation. Treat them as one system and not as five separate items to do.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If any of this feels unfamiliar, that&#8217;s not a personal failing; it&#8217;s a systemic gap. Understanding<a href=\"https:\/\/imarticus.org\/blog\/what-is-financial-accounting\/\"> financial accounting<\/a> basics can make personal finance click faster, since the underlying logic is the same. And<a href=\"https:\/\/imarticus.org\/blog\/planning-and-personal-budgeting\/\"> personal budgeting<\/a> is the one pillar that supports all the others.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A quick test:<\/strong> can you explain each pillar above to a friend in plain language? If yes, you&#8217;ve moved past surface-level financial literacy.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#7bdbb51a\"><strong>Also Read: <\/strong><a href=\"https:\/\/imarticus.org\/blog\/planning-and-personal-budgeting\/\"><strong>A Comprehensive Guide to Planning and Personal Budgeting<\/strong><\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Financial Literacy Looks Different for Every Earner<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A salaried employee, a freelancer, and a small business owner are all technically working with the same financial literacy pillars, budgeting, saving, investing, borrowing, protection, but the way those pillars actually apply to each of them is different enough that generic advice tends to fail all three at once.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"748\" height=\"614\" src=\"https:\/\/imarticus.org\/blog\/wp-content\/uploads\/2026\/09\/financial-literacy-by-earner-type.webp\" alt=\"financial literacy for each individual\" class=\"wp-image-277984\" srcset=\"https:\/\/imarticus.org\/blog\/wp-content\/uploads\/2026\/09\/financial-literacy-by-earner-type.webp 748w, https:\/\/imarticus.org\/blog\/wp-content\/uploads\/2026\/09\/financial-literacy-by-earner-type-300x246.webp 300w\" sizes=\"auto, (max-width: 748px) 100vw, 748px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><strong>Salaried professionals<\/strong> get the benefit of a predictable income, employer PF contributions, and TDS handled automatically. Their biggest financial literacy gap is usually passivity: because so much is done for them, they rarely build the habit of actively reviewing their own numbers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Freelancers and gig workers<\/strong> face the opposite problem. Income arrives irregularly, there&#8217;s no employer PF, and advance tax has to be paid quarterly, not deducted automatically. For this group, an emergency fund isn&#8217;t a nice-to-have; it&#8217;s closer to three to six months of buffer that substitutes for the salary stability others take for granted. Freelancers who skip this step are often the ones hit hardest by a single slow month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Small business owners<\/strong> deal with a version of financial literacy that blends personal and business finances, often too closely. The habit of dipping into business cash flow for personal expenses, or the reverse, is one of the most common reasons small businesses in India struggle to secure formal credit later, since their financial statements don&#8217;t cleanly reflect the business&#8217;s actual health.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Homemakers managing household finances<\/strong> are frequently the most financially literate people in a household in terms of day-to-day budgeting, and the least included in longer-term decisions like insurance and investment planning. Closing that gap isn&#8217;t just about fairness; households where financial decisions are shared tend to make fewer of the emotionally-driven mistakes described in the section above, simply because two perspectives catch what one might miss.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The point of breaking financial literacy down by earner type isn&#8217;t to complicate it further. It&#8217;s to explain why a one-size-fits-all budgeting template from a finance influencer often doesn&#8217;t survive contact with a freelancer&#8217;s irregular income or a business owner&#8217;s mixed cash flow. Financial literacy has to be applied to your actual income pattern, not a hypothetical steady one.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>A Strategic Financial Literacy Plan: What This Actually Looks Like for One Person<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Take Priya again, the 26-year-old marketing executive from earlier in this piece. Generic advice tells her to &#8220;budget, save, invest.&#8221; Here&#8217;s what an actual plan looks like for someone in her exact position, mapped out with real numbers and a real sequence, not a to-do list she&#8217;ll forget by February.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Year 1: Stop the bleeding<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Month 1: Track every expense for 30 days without changing anything, just observe. Priya finds \u20b99,000 a month leaking into food delivery and subscriptions she&#8217;d forgotten she had.<\/li>\n\n\n\n<li>Month 2: Set up one automated transfer, 15% of salary, moving out the day salary lands, before she ever sees the number sitting in her main account. This is also the point to get comfortable with terms like net worth, liquidity, and diversification; a quick read-through of<a href=\"https:\/\/imarticus.org\/blog\/financial-metrics\/\"> <\/a>common <a href=\"https:\/\/imarticus.org\/blog\/financial-metrics\/\">financial metrics<\/a> makes the rest of this plan far easier to follow.<\/li>\n\n\n\n<li>Months 3\u20136: Build the first \u20b950,000 of an emergency fund in a liquid fund, not a regular savings account, before touching any other investment.<\/li>\n\n\n\n<li>Months 7\u201312: Once the fund crosses three months of expenses, redirect the automated transfer into a single index fund SIP, starting small at \u20b95,000 a month rather than waiting to &#8220;find the best fund.&#8221;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Years 2\u20133: Build the base<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Push the emergency fund to a full six months of expenses.<\/li>\n\n\n\n<li>Raise the SIP by the same percentage as any salary hike, before lifestyle inflation quietly eats the raise.<\/li>\n\n\n\n<li>Take the \u20b91.5 lakh Section 80C limit seriously for the first time: PF plus ELSS plus a term policy, not a random endowment plan sold by a relative.<\/li>\n\n\n\n<li>Buy health insurance independent of the employer&#8217;s group cover, since that cover disappears the day she changes jobs.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Years 4\u20137: Secure the long run<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Add a second SIP earmarked for a fixed-timeline goal (a home down payment, a future business), kept separate from the retirement-focused one.<\/li>\n\n\n\n<li>Start NPS contributions for the additional 80CCD(1B) deduction, as a long-horizon layer distinct from equity investing.<\/li>\n\n\n\n<li>Review the whole picture once a year, not just the portfolio: insurance coverage, nominee details, a will. If this annual review is a step you enjoy, <a href=\"https:\/\/imarticus.org\/blog\/master-financial-ratio-analysis\/\">financial ratio analysis<\/a> runs on the exact same logic you&#8217;d apply here, just aimed at a company&#8217;s books instead of your own.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#7bdbb51a\"><strong><em>Pro Tip:<\/em><\/strong><em> Automate your savings the same day your salary arrives. What you don&#8217;t see, you won&#8217;t spend.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Best Financial Literacy Books to Build Your Money Foundation<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Readers searching for financial literacy books usually want a short, trustworthy list, not fifty options. Here it is.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Book<\/strong><\/td><td><strong>Best For<\/strong><\/td><\/tr><tr><td><strong><em>Let&#8217;s Talk Money<\/em><\/strong><strong> by Monika Halan<\/strong><\/td><td>India-specific, practical advice<\/td><\/tr><tr><td><strong><em>The Psychology of Money<\/em><\/strong><strong> by Morgan Housel<\/strong><\/td><td>Understanding your own money behaviour<\/td><\/tr><tr><td><strong><em>Rich Dad Poor Dad<\/em><\/strong><strong> by Robert Kiyosaki<\/strong><\/td><td>Rethinking assets versus liabilities<\/td><\/tr><tr><td><strong><em>I Will Teach You to Be Rich<\/em><\/strong><strong> by Ramit Sethi<\/strong><\/td><td>A step-by-step system for beginners<\/td><\/tr><tr><td><strong><em>The Intelligent Investor<\/em><\/strong><strong> by Benjamin Graham<\/strong><\/td><td>Long-term investing philosophy (once basics are clear)<\/td><\/tr><tr><td><strong><em>Your Money or Your Life<\/em><\/strong><strong> by Vicki Robin<\/strong><\/td><td>Rethinking spending around time, not just money<\/td><\/tr><tr><td><strong><em>Think and Grow Rich<\/em><\/strong><strong> by Napoleon Hill<\/strong><\/td><td>Mindset behind long-term financial discipline<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">New to the topic? Start with Ramit Sethi. Want India-specific advice? Start with Monika Halan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Books teach concepts. A structured programme teaches application, with case studies, mentorship, and real financial models built in. Don&#8217;t just read about financial literacy. Spend the next ten minutes actually building it. <a href=\"https:\/\/imarticus.org\/free-courses\/\">Start a free course today<\/a>, and see how far &#8220;understanding what to do with what you have&#8221; can actually take you.\u00a0<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#7bdbb51a\"><strong>Also Read: <\/strong><a href=\"https:\/\/imarticus.org\/blog\/number-system-for-quick-financial-calculations\/\"><strong>Understanding the Number System for Quick and Accurate Financial Calculations<\/strong><\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Financial Literacy Across Life Stages<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Financial literacy at twenty doesn&#8217;t look like financial literacy at fifty.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Life Stage<\/strong><\/td><td><strong>Financial Literacy Focus<\/strong><\/td><\/tr><tr><td><strong>Teens and early adulthood<\/strong><\/td><td>Bank accounts, interest basics, small saving habits<\/td><\/tr><tr><td><strong>Twenties to early thirties<\/strong><\/td><td>Financial independence, first salary, emergency fund<\/td><\/tr><tr><td><strong>Late thirties to forties<\/strong><\/td><td>Household budgeting, home loans, children&#8217;s education<\/td><\/tr><tr><td><strong>Closer to retirement<\/strong><\/td><td>Protecting wealth, not aggressively growing it<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">What stays constant across every stage: track your money, save before you spend, review regularly. I&#8217;ve written a fuller breakdown in<a href=\"https:\/\/imarticus.org\/blog\/financial-planning-for-different-life-stages\/\"> financial planning for different life stages<\/a>, if you want to map this against your own age bracket.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Common Financial Literacy Mistakes That Quietly Drain Your Wallet<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">I&#8217;ve made most of these myself before I understood personal finance properly.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Treating a credit card limit as extra income.<\/strong> It&#8217;s borrowed money with interest attached, not a bonus salary.<\/li>\n\n\n\n<li><strong>Skipping the emergency fund to &#8220;invest faster.&#8221;<\/strong> One emergency then forces you to sell investments at the worst time.<\/li>\n\n\n\n<li><strong>Buying insurance as an investment.<\/strong> Mixing the two usually gets you a weak version of both.<\/li>\n\n\n\n<li><strong>Ignoring inflation while saving.<\/strong> Idle money in a low-interest account quietly loses value every year.<\/li>\n\n\n\n<li><strong>Avoiding investing out of fear.<\/strong> Staying entirely in cash often costs more than a market dip ever would.<\/li>\n\n\n\n<li><strong>Following tips instead of building understanding.<\/strong> Acting on a friend&#8217;s stock tip is speculation, not investing.<\/li>\n\n\n\n<li><strong>Not reviewing finances after a life change.<\/strong> A new job, marriage, or child changes your whole financial picture.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The fix for all of these is the same: build the underlying knowledge, whether that&#8217;s <a href=\"https:\/\/imarticus.org\/blog\/overview-of-financial-systems\/\">financial systems<\/a> fundamentals or a structured course, so the mistakes stop repeating.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#7bdbb51a\"><strong><em>Did You Know? <br><\/em><\/strong><em>Money left in a regular savings account for ten years can lose real value once inflation is factored in, even as the balance grows.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why Choose Imarticus Learning to Build Real Financial Skills<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If this blog convinced you that financial literacy deserves more than a weekend of YouTube videos, that&#8217;s the gap Imarticus Learning&#8217;s <a href=\"https:\/\/imarticus.org\/finance\/\"><strong>finance courses<\/strong><\/a> are built to close.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/imarticus.org\/post-graduate-program-banking-and-finance\/?gad_source=1&amp;gad_campaignid=23390003508&amp;gbraid=0AAAAADrBfNKMjgV1VrZybghVXjjY5xifk&amp;gclid=Cj0KCQjw79nUBhCgARIsADSHka3jDKeFVDdE-CqU3I9-VK9GouBUR3QR498lVV9asv8cV_faH3Uzg2YaAmbaEALw_wcB\">Banking and Finance Course<\/a> focuses on job-relevant skills:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Real-world curriculum with structure, accounting, budgeting, taxation, and analysis of financial matters not taught in lectures but in case-study format.<\/li>\n\n\n\n<li>Placement assurance by the team.\u00a0<\/li>\n\n\n\n<li>Training that has been developed by experts, with industry input, rather than pure theory.<\/li>\n\n\n\n<li>Complementary certifications: If you&#8217;re looking to expand your financial knowledge, check out the Postgraduate Financial Analysis Program or corporate finance courses.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A course does what a reading list can&#8217;t: a logical order, tested understanding, and mentors who&#8217;ve worked in the industry. If you&#8217;re still deciding which path fits, <a href=\"https:\/\/imarticus.org\/blog\/what-are-the-best-courses-for-finance\/\">what are the best courses for finance<\/a> is a useful next read.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you&#8217;re starting from Priya&#8217;s exact situation or already comfortable with budgeting and ready to go professional, there&#8217;s a path here that fits.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#7bdbb51a\"><strong>Also Read: <\/strong><a href=\"https:\/\/imarticus.org\/blog\/best-course-corporate-finance\/\"><strong>Best Course In Corporate Finance<\/strong><\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>FAQs About Financial Literacy<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Financial literacy raises the same handful of questions again and again, mostly because it&#8217;s still treated as one-time knowledge rather than an ongoing habit. Here are direct answers to the ones readers ask most.&nbsp;<\/p>\n\n\n<div class=\"saswp-faq-block-section\"><ol style=\"list-style-type:none\"><li style=\"list-style-type: none\"><h5 class=\"saswp-faq-question-title \"><strong>What are the 5 principles of financial literacy?<\/strong><\/h5><p class=\"saswp-faq-answer-text\">Most 5-principle frameworks come down to: earning, saving, spending wisely, investing, and protecting your money through insurance. Experts group these slightly differently, but the core idea stays the same across all of them.<\/p><li style=\"list-style-type: none\"><h5 class=\"saswp-faq-question-title \"><strong>What is meant by financial literacy?<\/strong><\/h5><p class=\"saswp-faq-answer-text\">Financial literacy means having the knowledge and skills to manage money well: budgeting, saving, investing, borrowing, and protecting your finances, so you make informed decisions instead of guesses.<\/p><li style=\"list-style-type: none\"><h5 class=\"saswp-faq-question-title \"><strong>What is the 70-10-10-10 rule for money?<\/strong><\/h5><p class=\"saswp-faq-answer-text\">It&#8217;s a simple budgeting split: 70% of income for living expenses, 10% for saving, 10% for investing, and 10% for giving or debt repayment. Treat it as a starting framework, not a strict formula, and adjust the percentages to fit your own life.<\/p><li style=\"list-style-type: none\"><h5 class=\"saswp-faq-question-title \"><strong>What are the 7 principles of financial literacy?<\/strong><\/h5><p class=\"saswp-faq-answer-text\">Some frameworks expand the basics into seven: earning, spending, saving, investing, borrowing, protecting, and reviewing your finances regularly. The extra two, borrowing and reviewing, are what turn a one-time budget into an ongoing financial literacy habit.<\/p><li style=\"list-style-type: none\"><h5 class=\"saswp-faq-question-title \"><strong>Why is financial literacy important?<\/strong><\/h5><p class=\"saswp-faq-answer-text\">It helps you avoid debt traps, build an emergency fund, and grow wealth instead of losing it to inflation or poor decisions. In India, it also protects against the digital payment scams that have grown alongside UPI adoption.<\/p><li style=\"list-style-type: none\"><h5 class=\"saswp-faq-question-title \"><strong>What are the four pillars of financial literacy?<\/strong><\/h5><p class=\"saswp-faq-answer-text\">The four most commonly cited are budgeting, saving, investing, and managing debt. This blog adds a fifth, insurance and protection, since that&#8217;s what stops one bad event from undoing everything else.<\/p><li style=\"list-style-type: none\"><h5 class=\"saswp-faq-question-title \"><strong>How to improve financial literacy?<\/strong><\/h5><p class=\"saswp-faq-answer-text\">Start by tracking your spending for a month, then build one habit at a time: saving, then investing, then reviewing regularly. Reading a few solid financial literacy books and enrolling in a structured finance course can speed this up considerably.<\/p><li style=\"list-style-type: none\"><h5 class=\"saswp-faq-question-title \"><strong>What are the 3 keys to financial literacy?<\/strong><\/h5><p class=\"saswp-faq-answer-text\">Boiled down to three: know where your money goes, save before you spend, and make your money grow through investing. Everything else builds on these three habits.<\/p><li style=\"list-style-type: none\"><h5 class=\"saswp-faq-question-title \"><strong>How to calculate financial literacy?<\/strong><\/h5><p class=\"saswp-faq-answer-text\">At a national level, it&#8217;s measured through standardised surveys like the NCFE&#8217;s Financial Literacy and Inclusion Survey, which scores knowledge, behaviour, and attitude together. At a personal level, there&#8217;s no fixed formula, but budgeting, saving regularly, investing, and understanding basic financial products are the practical markers.<\/p><li style=\"list-style-type: none\"><h5 class=\"saswp-faq-question-title \"><strong>How can I develop personal financial literacy?<\/strong><\/h5><p class=\"saswp-faq-answer-text\">Track your spending, automate your savings, start investing early even in small amounts, and review your finances every few months. Structured learning through a finance course builds this faster than self-study alone.<\/p><\/ul><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Your Financial Literacy Journey Starts With One Decision<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">I opened this blog talking about my own notebook budget, and the months it still doesn&#8217;t quite work out. That&#8217;s the honest picture of financial literacy. It isn&#8217;t a finish line. It&#8217;s a practice you keep returning to.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you take one thing from this blog, let it be this: you don&#8217;t need to master every concept today. Start with one habit, tracking your spending, opening an emergency fund, or reading your first financial literacy book, and build from there. The gap between where Priya started and where she is now wasn&#8217;t talent. It was choosing to start.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Financial literacy rewards consistency over intensity. A modest habit repeated for years beats an ambitious plan abandoned after a month. Pick the smallest first step from this blog and do it this week.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you&#8217;re ready to turn that habit into a real, career-ready skill set, Imarticus Learning&#8217;s <a href=\"https:\/\/imarticus.org\/finance\/\"><strong>finance courses<\/strong><\/a> are built exactly for that next step.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>School never taught you about money. Here&#8217;s what financial literacy means and why it matters today.<\/p>\n","protected":false},"author":1,"featured_media":277982,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[22],"tags":[],"class_list":["post-277981","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"acf":{"youtube-url-id":"","publised_date":"","ls_key":"","recommended_posts":""},"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Financial literacy isn&#039;t a one-time lesson; it&#039;s a habit. 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