{"id":68086,"date":"2025-05-06T17:56:36","date_gmt":"2025-05-06T09:56:36","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=68086"},"modified":"2025-05-06T17:56:36","modified_gmt":"2025-05-06T09:56:36","slug":"top-ten-financial-tips-to-know","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know","title":{"rendered":"10 Financial Tips I Wish I Knew In My 20s"},"content":{"rendered":"

Aren\u2019t our 20s the best? The age of independence, adventures and well, let\u2019s be honest, a lot of financial facepalms! For a lot of us, our 20s were a blur of late night parties, last-minute trips, impulsive shopping sprees and quite a few \u201cI\u2019ll deal with this later\u201d moments when it came to <\/span>money management<\/span><\/a>. A decade and a half has passed by and now me and my friends have realised that the financial decisions we make in our twenties can set the foundation for our 30s, 40s and beyond.<\/span><\/p>\n

If I could go back in time and give my 20-something self some advice, here are the 10 financial tips I wish I had known \u2014 and that I now tell every young Malaysian I meet.<\/span><\/p>\n

1. Don\u2019t wait for something big: Start saving now, even if it\u2019s small<\/h3>\n

If you are anything like me and in your 20s right now, you might think, I\u2019ll save when I earn more. But the secret is: it\u2019s not how much you save, it\u2019s how early you start.<\/span><\/p>\n

Even saving RM100\u2013RM200 a month can grow into something meaningful over time thanks to compound interest. Open a high-interest savings account or a fixed deposit, and automate your savings so you don\u2019t even have to think about it but don\u2019t wait for the next job switch or salary jump, start today!<\/span><\/p>\n

2. Build and maintain an emergency fund<\/h3>\n

Adulting is hard and while money can\u2019t buy happiness, it can buy a lot of things in life that bring said happiness. Plus, if there\u2019s one thing adulthood will teach you, it\u2019s that emergencies will happen \u2014 car repairs, medical bills, sudden job loss.<\/span><\/p>\n

Aim for at least three to six months\u2019 worth of expenses set aside in a separate account. For Malaysians, that\u2019s typically RM10,000\u2013RM20,000 depending on your lifestyle. Trust me: future you will thank you when life throws a curveball.<\/span><\/p>\n

3. Understand EPF and do not touch it<\/h3>\n

Your EPF (Employees Provident Fund) is not your holiday fund. It\u2019s your retirement safety net.<\/span><\/p>\n

Many young Malaysians are tempted to withdraw EPF savings for buying a house or starting a business, but every ringgit you take out early is one less ringgit growing quietly in the background. Let it grow \u2014 EPF\u2019s steady 5\u20136% annual returns are better than most fixed deposits.<\/span><\/p>\n

4. Budgeting is a must, make it a habit<\/h3>\n

Use apps like Mint, Spendee, Mytabung to track your expenses and break them into labelled categories like needs, wants, savings and investments. Make budgeting a habit, it will help you manage your money better and more efficiently. One of the popular rules to get started can be the <\/span>50\/30\/20 rule: 50% on essentials, 30% on fun, 20% on savings\/investments.<\/span><\/p>\n

5. In your 20s, how many credit cards do you really need?<\/b><\/h3>\n

Credit cards are convenient and every bank is trying to sell you one- but ask yourself this: how many credit cards do you really need? Remember, credit cards do not mean free money. USe them wisely and always pay your balance in full, never just the minimum. Malaysian credit cards charge eye-watering interest rates \u2014 often 15\u201318% per year. One month of \u201cI\u2019ll pay later\u201d can snowball into years of debt. If you\u2019re tempted to swipe, ask yourself: Would I still buy this if I were paying cash?<\/span><\/p>\n

6. Like saving, start investing early too<\/h3>\n

Investing money may come across as an intimidating concept when you\u2019re younger but today there are enough resources available online to help you understand the basics of investing. You don\u2019t have to be a finance guru to start investing. Malaysians today have access to low-cost, beginner-friendly investment platforms like robo-advisors (StashAway, Wahed, BEST Invest) or unit trust funds. You can start with as little as RM100. Remember: investing beats saving over the long term when it comes to beating inflation and growing your wealth. Educate yourself, analyse profits versus risks and get started slowly but steadily.<\/span><\/p>\n

7. Get insured before you need it<\/h3>\n

Medical bills in Malaysia can wipe out your savings overnight, especially with Malaysia\u2019s <\/span>soaring medical inflation<\/span><\/a>. Many young adults skip insurance, thinking they\u2019re healthy but insurance is cheapest when you\u2019re young and healthy.<\/span><\/p>\n

At minimum, get a good medical card or health insurance. If you have dependents (aging parents, siblings), consider life insurance or critical illness cover too.<\/span><\/p>\n

8. Avoid lifestyle inflation<\/h3>\n

The moment you get a small pay raise, it\u2019s tempting to upgrade everything: fancier car, nicer condo, more weekend trips but before you make those impulsive permanent decisions, beware of \u201clifestyle inflation.\u201d Instead of letting your expenses rise with your income, try to lock in a consistent savings rate. For example, if you get a RM500 raise, commit to saving half of it. There\u2019s no harm in treating yourself once in a while but finding the right balance between those treats and money spent versus saved, is key.<\/span><\/p>\n

9. Understand your loans and plan your finances accordingly<\/h3>\n

Whether it\u2019s PTPTN loans, car loans, or a mortgage \u2014 know exactly how much you owe, what your interest rates are, and when your payments are due. If you have a <\/span>PTPTN loan<\/span><\/a>, look into discounts against consistent repayment, ongoing promotions, loan restructuring plans or early settlement. For car loans, avoid stretching payments over too many years just to lower the monthly instalment \u2014 you\u2019ll end up paying much more in interest.<\/span><\/b><\/p>\n

10. Invest in yourself<\/h3>\n

Finally, your 20s are the best time to upgrade your earning power. Learn new skills, pick up certifications, attend workshops, or take online courses. Consider learning about personal finance, coding, design, or even public speaking \u2014 anything that can increase your future income. Platforms like Coursera, FutureLearn, or even HRDCorp-claimable courses make upskilling more accessible than ever.<\/span><\/p>\n

Remember, money mistakes happen <\/span>\u2014 that\u2019s an inevitable part of learning and growing up. What matters is building good habits, not being perfect. These small changes and small investments you make in your 20s will make a big difference in your life as you grow older. Money management and good financial planning make our lives easier and better, so why wait to start. Learn more about money management at <\/span>www.imoney.my<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Discover 10 smart financial tips I wish I knew in my 20s, from savings and investment tips to money management advice for young Malaysians.<\/p>\n","protected":false},"author":58,"featured_media":68091,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[218,308],"tags":[2678,772,660,766,2679,1048,2680],"class_list":["post-68086","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-management","category-saving-tips","tag-financial-tips-i-wish-i-knew","tag-investing","tag-investment","tag-money-management","tag-money-management-tips","tag-saving-tips","tag-savings-and-investment-tips"],"acf":[],"yoast_head":"\n10 Financial Tips I Wish I Knew In My 20s<\/title>\n<meta name=\"description\" content=\"Discover 10 smart financial tips I wish I knew in my 20s, from savings and investment tips to money management advice for young Malaysians.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10 Financial Tips I Wish I Knew In My 20s\" \/>\n<meta property=\"og:description\" content=\"Discover 10 smart financial tips I wish I knew in my 20s, from savings and investment tips to money management advice for young Malaysians.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-06T09:56:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2025\/05\/06175122\/20-year-olds.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jordan Low\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jordan Low\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/top-ten-financial-tips-to-know#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/top-ten-financial-tips-to-know\"},\"author\":{\"name\":\"Jordan Low\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/504ffd45ac95c1aed85e1dfc7d4c4ea6\"},\"headline\":\"10 Financial Tips I Wish I Knew In My 20s\",\"datePublished\":\"2025-05-06T09:56:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/top-ten-financial-tips-to-know\"},\"wordCount\":1043,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/top-ten-financial-tips-to-know#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/06175122\\\/20-year-olds.jpg\",\"keywords\":[\"financial tips I wish I knew\",\"investing\",\"Investment\",\"Money Management\",\"money management tips\",\"saving tips\",\"savings and investment tips\"],\"articleSection\":[\"Money Management\",\"Saving Tips\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.imoney.my\\\/articles\\\/top-ten-financial-tips-to-know#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/top-ten-financial-tips-to-know\",\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/top-ten-financial-tips-to-know\",\"name\":\"10 Financial Tips I Wish I Knew In My 20s\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/top-ten-financial-tips-to-know#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/top-ten-financial-tips-to-know#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/06175122\\\/20-year-olds.jpg\",\"datePublished\":\"2025-05-06T09:56:36+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/504ffd45ac95c1aed85e1dfc7d4c4ea6\"},\"description\":\"Discover 10 smart financial tips I wish I knew in my 20s, from savings and investment tips to money management advice for young Malaysians.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/top-ten-financial-tips-to-know#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.imoney.my\\\/articles\\\/top-ten-financial-tips-to-know\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/top-ten-financial-tips-to-know#primaryimage\",\"url\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/06175122\\\/20-year-olds.jpg\",\"contentUrl\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/06175122\\\/20-year-olds.jpg\",\"width\":1200,\"height\":628,\"caption\":\"Five smiling, diverse young Asian professionals standing in an office with arms crossed, representing teamwork and success.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/top-ten-financial-tips-to-know#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Money Management\",\"item\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/category\\\/money-management\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"10 Financial Tips I Wish I Knew In My 20s\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#website\",\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/\",\"name\":\"iMoney Malaysia\",\"description\":\"Everything you need to know about improving your personal finances.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/504ffd45ac95c1aed85e1dfc7d4c4ea6\",\"name\":\"Jordan Low\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/f70608d4c20f96f6cff35357fc9e37d322e1898f6d623a1d6cc307c2076ed42d?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/f70608d4c20f96f6cff35357fc9e37d322e1898f6d623a1d6cc307c2076ed42d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/f70608d4c20f96f6cff35357fc9e37d322e1898f6d623a1d6cc307c2076ed42d?s=96&d=mm&r=g\",\"caption\":\"Jordan Low\"},\"description\":\"With a background in history and public relations, Jordan has ample experience in business and creative writing, especially in the field of SMEs and Human Resources.\",\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/author\\\/jordan-low\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"10 Financial Tips I Wish I Knew In My 20s","description":"Discover 10 smart financial tips I wish I knew in my 20s, from savings and investment tips to money management advice for young Malaysians.","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:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know","og_locale":"en_US","og_type":"article","og_title":"10 Financial Tips I Wish I Knew In My 20s","og_description":"Discover 10 smart financial tips I wish I knew in my 20s, from savings and investment tips to money management advice for young Malaysians.","og_url":"https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know","og_site_name":"iMoney Malaysia","article_published_time":"2025-05-06T09:56:36+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2025\/05\/06175122\/20-year-olds.jpg","type":"image\/jpeg"}],"author":"Jordan Low","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Jordan Low","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know#article","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know"},"author":{"name":"Jordan Low","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/504ffd45ac95c1aed85e1dfc7d4c4ea6"},"headline":"10 Financial Tips I Wish I Knew In My 20s","datePublished":"2025-05-06T09:56:36+00:00","mainEntityOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know"},"wordCount":1043,"commentCount":0,"image":{"@id":"https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know#primaryimage"},"thumbnailUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2025\/05\/06175122\/20-year-olds.jpg","keywords":["financial tips I wish I knew","investing","Investment","Money Management","money management tips","saving tips","savings and investment tips"],"articleSection":["Money Management","Saving Tips"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know","url":"https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know","name":"10 Financial Tips I Wish I Knew In My 20s","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know#primaryimage"},"image":{"@id":"https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know#primaryimage"},"thumbnailUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2025\/05\/06175122\/20-year-olds.jpg","datePublished":"2025-05-06T09:56:36+00:00","author":{"@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/504ffd45ac95c1aed85e1dfc7d4c4ea6"},"description":"Discover 10 smart financial tips I wish I knew in my 20s, from savings and investment tips to money management advice for young Malaysians.","breadcrumb":{"@id":"https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know#primaryimage","url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2025\/05\/06175122\/20-year-olds.jpg","contentUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2025\/05\/06175122\/20-year-olds.jpg","width":1200,"height":628,"caption":"Five smiling, diverse young Asian professionals standing in an office with arms crossed, representing teamwork and success."},{"@type":"BreadcrumbList","@id":"https:\/\/www.imoney.my\/articles\/top-ten-financial-tips-to-know#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.imoney.my\/articles\/"},{"@type":"ListItem","position":2,"name":"Money Management","item":"https:\/\/www.imoney.my\/articles\/category\/money-management"},{"@type":"ListItem","position":3,"name":"10 Financial Tips I Wish I Knew In My 20s"}]},{"@type":"WebSite","@id":"https:\/\/www.imoney.my\/articles\/#website","url":"https:\/\/www.imoney.my\/articles\/","name":"iMoney Malaysia","description":"Everything you need to know about improving your personal finances.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.imoney.my\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/504ffd45ac95c1aed85e1dfc7d4c4ea6","name":"Jordan Low","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/f70608d4c20f96f6cff35357fc9e37d322e1898f6d623a1d6cc307c2076ed42d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f70608d4c20f96f6cff35357fc9e37d322e1898f6d623a1d6cc307c2076ed42d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f70608d4c20f96f6cff35357fc9e37d322e1898f6d623a1d6cc307c2076ed42d?s=96&d=mm&r=g","caption":"Jordan Low"},"description":"With a background in history and public relations, Jordan has ample experience in business and creative writing, especially in the field of SMEs and Human Resources.","url":"https:\/\/www.imoney.my\/articles\/author\/jordan-low"}]}},"_links":{"self":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/68086","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/users\/58"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/comments?post=68086"}],"version-history":[{"count":3,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/68086\/revisions"}],"predecessor-version":[{"id":68092,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/68086\/revisions\/68092"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media\/68091"}],"wp:attachment":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media?parent=68086"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/categories?post=68086"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/tags?post=68086"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}