{"id":118879,"date":"2023-06-15T13:58:51","date_gmt":"2023-06-15T17:58:51","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=118879"},"modified":"2025-04-07T10:12:09","modified_gmt":"2025-04-07T14:12:09","slug":"107-solo","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/107-solo\/","title":{"rendered":"Episode 107. Guilt-free travel: How to plan, save, and spend on amazing vacations"},"content":{"rendered":"<p><iframe title=\"How to plan &amp; go on AMAZING vacations, guilt-free\" src=\"https:\/\/www.youtube.com\/embed\/mZ5lxacBE5c\" width=\"100%\" height=\"400\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p><iframe style=\"border-radius: 12px;\" src=\"https:\/\/open.spotify.com\/embed\/episode\/0Z9DXoqlrUqigBH42C1z8B\" width=\"100%\" height=\"352\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>Jack and Christina were a perfect example of how not to travel\u2014racking up credit card debt, booking late on a whim, and without emotional buy-in from one partner. In this deep dive episode, I go A to Z on how to plan, save, book, and enjoy vacation experiences the Rich Life way.<\/p>\n<p>This episode is brought to you by:<\/p>\n<p>Masterclass | For unlimited access to every class and 15% off an annual membership, go to\u00a0<a href=\"https:\/\/masterclass.com\/ramit\">https:\/\/masterclass.com\/ramit<\/a>.<\/p>\n<p>DeleteMe | If you want to get your personal information removed from the web, go to\u00a0<a href=\"https:\/\/joindeleteme.com\/ramit\">https:\/\/joindeleteme.com\/ramit<\/a>\u00a0for 20% off.<\/p>\n<p>Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at\u00a0<a href=\"https:\/\/nesswell.com\/ramit\">https:\/\/nesswell.com\/ramit<\/a>.<\/p>\n<p>Methodology | Visit\u00a0<a href=\"https:\/\/gomethodology.com\/ramit\">https:\/\/gomethodology.com\/ramit<\/a>\u00a0and use code RAMIT for 10% off your first order of Methodology<\/p>\n<h2>Tools mentioned in this episode<\/h2>\n<ul>\n<li><a href=\"https:\/\/iwt.com\/podcastnewsletter-yt\">Get the Podcast Newsletter and exclusive Q&amp;A about the show<\/a><\/li>\n<li><a href=\"https:\/\/iwt.com\/moneycoaching\">Get Money Coaching with Ramit<\/a><\/li>\n<\/ul>\n<h2>Show Transcript<\/h2>\n<p><a href=\"https:\/\/drive.google.com\/file\/d\/1Q1SkeM8yTNnzRS36yInL2tkspyuwX6aK\/view?usp=sharing\">Download the full transcript PDF<\/a>.<\/p>\n<p>[00:00:00]\u00a0<strong>Ramit:<\/strong>\u00a0Have you ever wondered how to plan a dream vacation, how much it costs, what types of activities you can do, what types of upgrades you get? I want to talk about it today on today\u2019s episode because so many of you have asked about travel. And a lot of the couples that I speak to on this show decide that part of their rich life is spending money on traveling. So I got a bunch of questions from you on social media.<\/p>\n<p>[00:01:19] Today, I\u2019m going to cover, how do I come up with the ideas for where to travel? How do I think about hotels? How many activities do I pack in? What are some of the most magical experiences that I\u2019ve had? And also, yes, we will talk about money. Let\u2019s get into it.<\/p>\n<p>[00:01:38] First question, when do you start planning, and how do you plan for a trip?<\/p>\n<p>[00:01:43] Okay. For the big ones, these would be things like a honeymoon, or in our case, we do a big annual trip every year. I would plan about 12 to 15 months ahead. What does that mean? It means the time block that we want to go, I am going to make sure that we can go, that we block it off in the calendar, that any meetings are rescheduled. And it also means that I\u2019m thinking about things like weather. I\u2019m thinking about things like, do we need to be somewhere else at a certain point?<\/p>\n<p>[00:02:17] I don\u2019t want to leave this stuff up to chance because a rich life is never an accident. It\u2019s never like you trip and fall and suddenly take a magical three-week trip. No. It takes a lot of planning. So I plan ahead. Furthermore, some of this stuff gets booked up. Some stuff already gets booked up over a year ahead. Places like certain safaris, they\u2019re already booked up, so I want to be thinking ahead. I don\u2019t always book everything 18 months out, but I\u2019m looking, I\u2019m planning, I\u2019m talking to my wife. If we\u2019re getting other people involved, we\u2019re starting to say, hey, these are the dates we\u2019re thinking of. Are you able to make it? Etc.<\/p>\n<p>[00:02:53] All right. How do I pick the places to go? Well, this is one area of life that I would actually consider myself pretty intuitive. And for me, this is unusual. In most parts of life, I\u2019m pretty linear. I like to write things down. I compare it. But for me, traveling is a lot about what do I feel like? Um, do I feel like a beach retreat, a busy city adventure? Do we feel like being outdoors? These are the kinds of questions. It\u2019s a lot of feeling.<\/p>\n<p>[00:03:22] Of course, I check with my wife or if we\u2019re traveling with friends, we might ask, but it\u2019s really about what are we feeling. Often we\u2019ll do something that\u2019s very contrasty. For example, we were in Japan, very calm. And then we went to India, the opposite of calm. And we love that contradiction.<\/p>\n<p>[00:03:44] Sometimes we\u2019ll do super luxurious, and then we\u2019ll do very gritty. We love that combination as well. So that\u2019s how I start, uh, thinking about it. And from a geographic perspective, I know nothing about geography, so I write down all these different places, and then I plot them on a map, and I\u2019m like, oh, that\u2019s over there? I had no idea. So that also, uh, helps narrow down where we decide to go.<\/p>\n<p>[00:04:09] Next question. Do you use a travel agent?<\/p>\n<p>[00:04:12] Yes, always. I know this seems like something people used to use in the \u201980s. Uh, nowadays, they\u2019re called travel agents or travel advisors, and I use a travel advisor in two different ways. Sometimes it\u2019s big blue sky. I\u2019ll call them up. I\u2019ll say, we\u2019re thinking of taking a six-week trip.\u00a0 This is the, uh, style we want to do. We want adventure. We want to end on calm, etc. Maybe we\u2019re bringing family of different ages. Here\u2019s some ideas I have in mind. Can you come back to us with some options? And they will help us sketch it out.<\/p>\n<p>[00:04:46] This is the type of full-featured firm that we used for our honeymoon, which was in multiple different countries and continents over six weeks. That needed a lot of logistical support. On the other hand, sometimes I know exactly where we want to go. We want to go to this place on these dates, and we want to stay at this hotel. Can you arrange it for us? So we have a different travel advisor that we\u2019ll use in a much more surgical fashion.<\/p>\n<p>[00:05:10] Why do I use a travel advisor? First, they handle a lot of the logistics, like booking hotels, things like that. Second, you get perks. So they\u2019ll upgrade you. Your room will automatically get upgraded. On a recent vacation I took, uh, our travel advisor managed to get us triple upgraded, which was amazing. The room would\u2019ve been way more expensive if we had paid for it out of pocket. We only paid for the base rate. You\u2019ll also get things like, uh, free breakfast, which is handy when you\u2019re traveling. Sometimes free airport transfer, etc. So yeah, we use a travel advisor, and I\u2019m a big fan of them.<\/p>\n<p>[00:05:48] How do you ball out on a budget?<\/p>\n<p>[00:05:50] Um, well, I don\u2019t know about the budget part. For that, I would recommend checking out my friend Chris Hutchin\u2019s podcast, All the Hacks. He does an awesome job talking about traveling, miles, etc. Chris is awesome. He knows all about that. But I will tell you how to spend a lot of money to create a dream trip.<\/p>\n<p>[00:06:10] And I\u2019ve done this in a few different ways. Some of it was our honeymoon. Some of it was recently. I had my 40th birthday, and my dream was to bring a bunch of friends and family to a resort. I planned everything. I said, \u201cAll you have to do is just show up.\u201d And everything was taken care of. I covered it all. That was my dream. To bring my loved ones together and spend a bunch of time just hanging out, doing a cooking class, etc.<\/p>\n<p>[00:06:36] I got a question from somebody in our money coaching group. If you\u2019re interested in that, you can join at iwt.com\/moneycoaching. And they said, \u201cI want to spend a little bit more. I want to take this dream trip. What should I do?\u201d And I think the extent to which they had thought about it was something like, I want to upgrade our flights. Okay, that\u2019s great. You can arrive there being refreshed, etc. But it felt like they were thinking a bit small.<\/p>\n<p>[00:07:04] So I wanted to encourage them, and I said, can I tell you what I would do if I had your amount to spend? They were like, yeah. So I said, \u201cOkay, this is what I would do.\u201d These are trips that I\u2019ve taken before. I would arrange to have a car waiting at the airport. No looking for a taxi. Somebody\u2019s there with a sign. They take our bags. We\u2019re in air conditioning. They\u2019ve got little hand towels. You\u2019re just comfortable.<\/p>\n<p>[00:07:24] They\u2019re going, wow, this is totally different than how I normally get to the hotel. Of course, the hotel would be an amazing hotel depending on what you like, and maybe you upgraded it using a travel advisor, etc. When we arrive at the hotel, uh, let\u2019s say we\u2019re traveling with family, I would know that one of my family members really loves massages, and I would already arrange for a massage to be waiting for them.<\/p>\n<p>[00:07:50] So as soon as they got there, I would say, mom, or dad, or whoever it may be, you know what, they\u2019re going to take your bags. Why don\u2019t you go to the room, get cleaned up? We\u2019ve got a masseuse waiting. Whenever you\u2019re ready, they\u2019ll be waiting for you at the door, and they\u2019ll take you there. That\u2019s how you start to spend money to create amazing meaning.<\/p>\n<p>[00:08:09] Okay. A few more things that I would do on a trip like this with loved ones, etc. I would schedule a food tour for the next day. So we\u2019re in this beautiful resort. Cool. That\u2019s great. We can eat there too, but I want to get out in the city. I want to see the local places. So we would\u2019ve scheduled a food tour. They\u2019ll take us to the market. We\u2019ll find all this stuff we normally would never eat ourselves. Ah, it would be amazing.<\/p>\n<p>[00:08:30] What else? Um, the next day, we would do a cooking class at the hotel. The chef would come out, they teach us a few things, but mostly they do the work for you, so it\u2019s pretty easy, and then you get to enjoy the food and some drinks. Awesome. Uh, I would plan one day of doing nothing at all. Absolutely nothing. If people want to go out into the city or they want to go out on a boat, they can do it, but it would just be downtime. Being able to engineer leisure time is one of the best luxuries you can possibly do, especially when it is with your loved ones.<\/p>\n<p>[00:09:05] One other thing I would do, I would arrange a special dinner one night. It would be outside, beautifully lit, candles and everything. And, uh, I would let people know ahead of time, we\u2019re going to go around the table and we\u2019re going to say one thing that we, uh, have really appreciated about this trip. That\u2019s it.<\/p>\n<p>[00:09:22] And with the chefs or the culinary team, I would coordinate with them and I would say, hey, my mom grew up in this area. Can we cook a special dish, uh, from that area? Uh, my dad loves this. Can we make sure that we have this type of dessert? A lot of these places love those types of requests. They want to make something special.<\/p>\n<p>[00:09:42] So you\u2019re there; you\u2019ve got the candles; you\u2019ve got the beach; everyone\u2019s going around saying something they appreciate; people are crying; and then the dishes come out, and you say, mom, I wanted to say, um, we love you so much, and we appreciate you. We know you grew up here, and this dish is really, uh, a reminder of where you came from, which made all of us possible. Okay. That is how I would create an amazing experience. And if you think about it, all the purposes of accumulating money, and saving it, and investing it, to me, this is one of the highest and best uses of your money in living a rich life.<\/p>\n<p>[00:10:20] How do you discover off-the-beaten-path experiences?<\/p>\n<p>[00:10:24] Okay, so first of all, let me just say there\u2019s nothing wrong with on-the-beaten-path experiences. I think a lot of us have this idea that, I want to live like the locals, and then I\u2019m just like, ah, in your own hometown, how often do you sit and just converse with tourists? Not that often. I\u2019m in New York. I live in LA. It\u2019s not like a bunch of tourists just come up to us whenever we\u2019re out and just start talking, and we spend four hours with them. So there\u2019s nothing wrong with on-the-beaten-path experiences. A lot of times, they\u2019re actually pretty cool.<\/p>\n<p>[00:10:55] But with that said, I will tell you how I do some of the unusual experiences that, uh, we do when we travel. One is I just keep a bookmark per country. So anything that looks interesting in Italy, for example, I have it bookmarked under Italy. So next time we go to Italy, I have, um, let\u2019s see, a special stationery maker. I have a behind the scenes tour of a shoemaker. I have all these things that I want to do in Italy, and they\u2019re all in different parts of Italy. All right, so that\u2019s number one. I just start keeping a list.<\/p>\n<p>[00:11:26] Number two, I read the travel sites in the magazines, so everything from Travel + Leisure to Robb Report to FlyerTalk, all of them. And I\u2019m just constantly\u2013 for me, it\u2019s fun, and I\u2019m reading it, and then I\u2019m bookmarking anything that looks interesting. Third, if I know people from those countries, I will ask them, what is an unforgettable experience that we should make sure that we do? And a lot of times, if I have friends who have traveled and have similar travel styles, I\u2019ll ask them, and they\u2019ll share a lot of stuff too.<\/p>\n<p>[00:11:54] Finally, this is where\u2013 I want to encourage you to get really creative. Airbnb experiences actually has amazing places you can check out in different countries. But I\u2019ll post something about how we went to, um, in Kyoto, we went to a stationery maker who\u2019s been doing it for generations, and I got like a million people, where did you find this? And I\u2019m like, part of the fun is actually getting creative. And it\u2019s really thinking, if I could see anything, what would it be? And then figuring out how to do it.<\/p>\n<p>[00:12:28] It makes travel so much less passive and so much more interesting. So if you love fashion, could you do a behind the scenes fashion tour, uh, in Milan, or might you hire a student at one of their fashion schools to take you shopping? That\u2019ll be cool. Again, whatever it is for you. I like the idea of getting creative and making it personal for what you want to experience.<\/p>\n<p>[00:12:55] What is your philosophy on hotels? People in our family say, let\u2019s get a cheap one since we\u2019re only sleeping there.<\/p>\n<p>[00:13:02] Well, I love hotels. For me, they\u2019re part of my rich life. I will say that my philosophy is we typically save a little bit of money on city hotels, but we splurge on beach resorts. City, you typically are out a little bit more, and they\u2019re usually not as good as beach resorts. But I personally love hotels for reasons that I wasn\u2019t aware of when I was younger.<\/p>\n<p>[00:13:29] For me, I love hospitality. I love customer service. Hotels are the Olympics of customer service and hospitality. The design, it has to be instantly welcoming. The staff is highly trained. The services they offer are always thinking ahead of what you need. In fact, even some of the stuff in the room can be quite detailed, and I just love the idea of being taken care of.<\/p>\n<p>[00:13:52] So for me, those are some of the reasons I love beautiful, nice hotels. And when I look back, I think that they really inspire me. So when I come back, I go, wow, that was beautiful. The customer service was amazing. It inspires me in a personal level and certainly for my business as well.<\/p>\n<p>[00:14:11]\u00a0<strong>\u00a0<\/strong>How do you balance making dinner reservations and setting plans versus open times or playing it by ear?<\/p>\n<p>[00:14:18] When we first started traveling, we planned things way, way, way too much, and we had a little bit of a disagreement. And finally, we were like, okay, we got to not pack it in as much. Our purpose here is not to pack in as much as possible. It is to have an amazing, unforgettable experience.<\/p>\n<p>[00:14:39] And this really takes some thinking because the way we were raised, when I was a kid, if we went to Disneyland, we got there when it opened, and we stayed until the very end because we were going to pack it all in. We\u2019re going to scrape all the meat off the bone. And I remember a friend of mine told me this thing. He said, if you ever go to a museum, you spend 90 minutes max, and the first 30 minutes are in the cafe. And I was like, what are you talking about? When I was a kid, we never went to a museum, and when we did, we\u2019d be there all day.<\/p>\n<p>[00:15:12] By the end, we were all crying. We wanted to get out. And he said, no, that\u2019s not the point. You can always come back. That was so life-changing for me. It taught me about the abundance of knowing I don\u2019t have to see everything, just what feels good right now, and I can always come back. So our new rule\u2013 my wife and I then adapted it from packing up the schedule to saying we want to do one big activity per day.<\/p>\n<p>[00:15:39] Now we do one big planned activity every two days. That\u2019s what we do. And beyond that, we have a list of things. They\u2019re all bookmarked in Google Maps. Most of the time we\u2019re out, we\u2019re doing stuff because we\u2019re feeling good, but sometimes we\u2019re like, you know what? We don\u2019t feel it. Let\u2019s just hang out. Let\u2019s go back to that place we went to yesterday. We loved it so much. Or let\u2019s just hang by the pool. On a two-week trip in terms of dinner, we might do one upscale dinner reservation, probably do two other, I would say mid-level, and then we play it by ear.<\/p>\n<p>[00:16:12] We like eating, but we don\u2019t necessarily love super fancy food. But that took us trying all these different places for us to realize that. It\u2019s about a cadence in terms of planning, but I would also say, even having this conversation by yourself or with a partner lets you hone in on what is important to you. I\u2019m not a huge fan of taking a trip, going to a country, and when you land, trying to figure it all out.<\/p>\n<p>[00:16:40] I know that some people love that. It\u2019s super spontaneous. I think there are some things lost with my approach, but if I\u2019m going there, I want to have a magical experience. And I don\u2019t get a magical experience by just randomly wandering around with nothing planned. I do want to have some stuff in a map, so if I\u2019m wandering by it, I\u2019m like, oh, cool. I got to check this out. I read about this. And there\u2019s room for wandering, but I don\u2019t want to do that for my entire trip.<\/p>\n<p>[00:17:08] How much money should you put away for vacation?<\/p>\n<p>[00:17:10] Well, this falls under guilt-free spending. So you tell me. If 20 to 35% of your take-home pay is for guilt-free spending, and if traveling is really important to you, maybe you\u2019re spending, I don\u2019t know, 15% of take-home on travel. That\u2019s a lot. And if it\u2019s one trip, that\u2019s a huge trip. If it\u2019s two trips or four trips, you can do the math.<\/p>\n<p>[00:17:36]\u00a0 In our CSP, travel is wildly overrepresented. Wildly. But that\u2019s because we also don\u2019t have a car payment, and we don\u2019t have an expensive 1% AUM financial advisor that we\u2019re paying, or some really expensive mortgage with all these phantom costs. So we take some of the money that we would ordinarily be putting towards those things, or credit card debt, and we put it towards what\u2019s important to us, which is travel.<\/p>\n<p>[00:18:04] What\u2019s been your favorite stay so far?<\/p>\n<p>[00:18:07] Well, I\u2019ve had a lot of magical trips. One of the most memorable was definitely our honeymoon. Uh, my wife and I were inspired by some older couples who basically told us they had taken these really long honeymoons, and we were like, who the hell takes a honeymoon that long? And then we were like, wait, what if we do that?<\/p>\n<p>[00:18:27] And so we, uh, created a six-week honeymoon. We started in Italy. We went then to Kenya on safari, then India, and we finished in Thailand. And it took a lot of planning. So we used a full-featured travel advisory firm. We also invited our parents to Italy because we wanted to bring them with us. And we love them.<\/p>\n<p>[00:18:52] They\u2019re mobile. They\u2019re healthy. They like each other. Italy\u2019s also a nice safe entryway for everybody. So we brought them with us, and that was magical. To be able to take my mother-in-law to the Vatican, and to be able to do a food tour with a chef in the farmer\u2019s market, and then make all this food, it was awesome.<\/p>\n<p>[00:19:11] After we had our time with our parents, they left, we continued on in Italy. We saw some amazing things. We saw some fashion stuff, design stuff. We went on safari, and that was also amazing. We went to three different camps, and we just experienced so much. Of course, we saw amazing animals. We started waking up really early. We stayed at a very warm family-oriented place. We stayed at an ultra-luxury place. We did all kinds of stuff.<\/p>\n<p>[00:19:37] Then in India, I\u2019ve never really traveled like that. I have family in India, so when I go there, I stay with them. But this time, we didn\u2019t tell anybody we were coming because I knew if we told them, we were going to get wrapped up in seeing all of our family. I said, this is our honeymoon. This is a one time. We\u2019re not telling anybody. And instead, we stayed at the most amazing hotels in the world.<\/p>\n<p>[00:20:00] In fact, my favorite hotel, Udaivilas is in Udaipur. It\u2019s incredible. We saw Taj Mahal, and I saw it in a different way than I had ever seen it before. Incredible seeing it with my family. Incredible seeing it with my wife for the first time. Seeing Golden Temple, going behind the scenes, doing tours that I\u2019d never done in India, and finishing off in a beautiful, uh, resort in Thailand. So that was a beautiful trip.<\/p>\n<p>[00:20:26] And I think one of my favorite memories\u2013 gosh, I have two favorite memories of that trip, both of them from Thailand. One of them was I was just incredibly happy, and I was doing some journaling, and I realized, yes, I\u2019m on my honeymoon. Of course, that\u2019s why I\u2019m incredibly happy. Yes, we\u2019re eating the best food, and we\u2019re with each other. But I was also happy because I had set a vision many, many years ago, in my 20s, before I even met my wife. I knew that one day I wanted to go on an incredibly amazing honeymoon without regard to cost.<\/p>\n<p>[00:21:05] I did not want cost to be the first, or second, or even third thing that I had to consider. So I started saving and investing money way back then. And to be able to be in these places without worrying about how much it costs to order a drink, to me, it felt like an incredible accomplishment. And I was really proud of the work that I had done, that my team has done to help so many people with their money, which in turn has helped my team, and has helped me, and helped me create this experience for my wife and me. So that was amazing.<\/p>\n<p>[00:21:41] And then my second and even more favorite memory was just a day later, my wife and I were reflecting on the trip. What did we love? What would we change? And she said something I\u2019ll never forget. She said, \u201cAt the end of a trip like this, normally I would be sad, but I know that we can come back whenever we want.\u201d Think about the abundance of that answer.<\/p>\n<p>[00:22:02] It\u2019s amazing to have a partner that thinks in the same level of abundance as you do. To be aligned is incredible. And guess what? Almost every single year after that, we did take a huge, amazing trip. The only thing that derailed us was COVID, but we didn\u2019t mind. So we stuck with it. We love travel. It\u2019s become part of our rich life, and it feels incredible to be aligned with my wife Cass.<\/p>\n<p>[00:22:30] Mm. What if I have debt? How do I balance debt payoff with savings for enjoying a vacation?<\/p>\n<p>[00:22:37] Now, this is a good question. All right. First off, I don\u2019t believe that you should wait to live a rich life until some distant day in the future. I believe you should live a rich life today and a richer life tomorrow. At the same time, you can\u2019t be doing whatever you want and then just rationalizing it by saying, this is my rich life. No. There are some tough decisions to be made, particularly if you have high-interest debt like a credit card debt.<\/p>\n<p>[00:23:08] Now, I\u2019m going to actually be talking more about money and travel because I\u2019ve noticed some peculiar things that people do when it comes to planning for their vacations. I\u2019m going to talk about it this Saturday on the podcast newsletter. It only comes out once, so if you are not signed up right now, you will never see this piece again. Make sure you are signed up at iwt.com\/podcastnewsletter. Sign up right now, and I will send you that article that I wrote on Saturday.<\/p>\n<p>[00:23:38] Thanks for listening. Send me a little note, tell me what you think about this episode, and send me any other questions you\u2019ve got about travel, money, vacations, and the rich life. I\u2019ll talk to you next week.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jack and Christina were a perfect example of how not to travel\u2014racking up credit card debt, booking late on a whim, and without emotional buy-in from one partner. In this deep dive episode, I go A to Z on how to plan, save, book, and enjoy vacation experiences the Rich Life way. This episode is [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[290],"class_list":["post-118879","post","type-post","status-publish","format-standard","hentry","category-podcast-episodes"],"acf":[],"aioseo_notices":[],"modified_by":"Vika DD.NYC\u00ae","_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/118879","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=118879"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/118879\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=118879"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=118879"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}