{"id":40072,"date":"2024-07-16T17:43:17","date_gmt":"2024-07-16T13:43:17","guid":{"rendered":"https:\/\/www.miamiherald.com\/banks\/?p=40072"},"modified":"2024-10-07T21:22:15","modified_gmt":"2024-10-07T17:22:15","slug":"savings-goals","status":"publish","type":"post","link":"https:\/\/www.miamiherald.com\/banks\/banking\/savings-goals\/","title":{"rendered":"Savings Goals: When and How to Set Them"},"content":{"rendered":" <p class=\"wp-block-paragraph\">Do you struggle to <a href=\"https:\/\/www.miamiherald.com\/banks\/banking\/save-10000-in-a-year\/\">save money<\/a>? Or maybe you\u2019ve tried many strategies to build your savings but haven\u2019t had much luck. It\u2019s worth returning to the drawing board to set specific savings goals and leverage financial tools to help you get there. Follow the guidance provided here to get you back on track and one step closer to financial freedom. <\/p> <h2 class=\"wp-block-heading\" id=\"h-the-importance-of-setting-savings-goals\">The Importance of Setting Savings Goals<\/h2> <p class=\"wp-block-paragraph\">It would be nice if you could simply dream up a savings goal and meet it without much effort on your part. But that\u2019s not quite how the process works. Instead, you\u2019ll need a plan of action and the willpower to remain disciplined on payday and allocate the necessary funds to your savings account to make progress. <\/p> <p class=\"wp-block-paragraph\">While the actual process isn\u2019t all that appealing, the end result makes it well worth it. When you set a goal to save money and actually achieve it, you set yourself up for a brighter financial future that allows you to enjoy your money along the way. Plus, you eliminate the need to rack up expensive debt if you face a financial emergency. <\/p> <h2 class=\"wp-block-heading\" id=\"h-when-should-you-set-savings-goals\">When Should You Set Savings Goals?<\/h2> <p class=\"wp-block-paragraph\">Setting savings goals is important to help you stay focused and motivated. It\u2019s best to set these goals at different stages of your life to ensure financial stability and growth.<\/p> <ul class=\"wp-block-list\"> <li><strong>Early Career:<\/strong> When you start working, aim to create an emergency fund and <a href=\"https:\/\/www.miamiherald.com\/banks\/banking\/save-10k-3-months\/\">save for short-term goals<\/a> like vacations or a new car.<\/li> <li><strong>Major Life Events: <\/strong>Plan for milestones such as getting married, buying a house, or starting a family. These events often require significant funds.<\/li> <li><strong>Long-Term Planning: <\/strong>Think about retirement savings. Setting goals early can help you benefit from compound interest over time.<\/li> <li><strong>Annual Reviews: <\/strong>At least once a year, review and adjust your savings goals. Life changes and your goals may need to be updated to reflect your current situation.<\/li> <li><strong>Unexpected Changes: <\/strong>If you experience a job loss or unexpected expenses, reassess your goals and adjust your savings plan accordingly.<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-types-of-savings-goals\">Types of Savings Goals<\/h2> <p class=\"wp-block-paragraph\">You can set short-term, medium-term or long-term savings goals. <\/p> <h3 class=\"wp-block-heading\" id=\"h-short-term-savings-goals\">Short-Term Savings Goals<\/h3> <p class=\"wp-block-paragraph\">Short-term savings goals are typically achievable within one year. They often include building an emergency fund, saving for a vacation or stashing away cash for a relatively big-ticket purchase. <\/p> <h3 class=\"wp-block-heading\" id=\"h-medium-term-savings-goals\">Medium-Term Savings Goals<\/h3> <p class=\"wp-block-paragraph\">Medium-term savings goals take between one and five years to accomplish. Whether you want to save for a house or car, pay off high-interest debt or open the doors to a new business, it likely falls into this category. <\/p> <h3 class=\"wp-block-heading\" id=\"h-long-term-savings-goals\">Long-Term Savings Goals<\/h3> <p class=\"wp-block-paragraph\">Long-term savings goals are those that take more than five years to achieve. Saving for retirement or your child\u2019s education are common goals. Purchasing a second home to <a href=\"https:\/\/www.miamiherald.com\/banks\/banking\/vacation-savings-account\/\">vacation<\/a> or use as a rental property could also fit here. <\/p> <h2 class=\"wp-block-heading\" id=\"h-how-to-set-effective-savings-goals\">How to Set Effective Savings Goals<\/h2> <p class=\"wp-block-paragraph\">Setting effective savings goals involves defining clear and achievable targets, prioritizing them based on your needs, and creating a solid plan to reach those targets. Implementing these strategies can help you save more efficiently and stay motivated.<\/p> <h3 class=\"wp-block-heading\" id=\"h-smart-criteria-for-savings-goals\">SMART Criteria for Savings Goals<\/h3> <p class=\"wp-block-paragraph\">Your savings goals should be specific, measurable, achievable, relevant and time-bound. So, it\u2019s not enough to simply say, <em>\u201cI want to save money this year.\u201d<\/em> <\/p> <p class=\"wp-block-paragraph\">A better approach: <em>\u201cI want to save $3,000 in the next six months, so I\u2019ll trim my budget and deposit $250 into my savings account every two weeks until I meet my goal.\u201d<\/em><\/p> <h3 class=\"wp-block-heading\" id=\"h-prioritizing-your-savings-goals\">Prioritizing Your Savings Goals<\/h3> <p class=\"wp-block-paragraph\">Once you have your savings goals in mind, prioritize them in order or importance. <\/p> <p class=\"wp-block-paragraph\">Some might be urgent, like building an emergency fund, while others are long-term, such as retirement savings.<\/p> <h3 class=\"wp-block-heading\" id=\"h-creating-a-savings-plan\">Creating a Savings Plan<\/h3> <p class=\"wp-block-paragraph\">Decide <a href=\"https:\/\/www.miamiherald.com\/banks\/banking\/how-much-savings\/\">how much money you\u2019ll set aside<\/a> each month for each goal, and revisit your budget to determine where the money will come from. It also helps to set up automatic transfers to your savings account. <\/p> <h2 class=\"wp-block-heading\" id=\"h-tools-and-resources-for-achieving-savings-goals\">Tools and Resources for Achieving Savings Goals<\/h2> <p class=\"wp-block-paragraph\">You don\u2019t have to go it alone. Instead, use budgeting apps, financial advisors and online savings calculators to assist you on your savings journey. <\/p> <h3 class=\"wp-block-heading\" id=\"h-budgeting-apps\">Budgeting Apps<\/h3> <p class=\"wp-block-paragraph\">These apps help you keep tabs on your income and expenses by syncing with your bank accounts and credit cards. You can also set spending limits and track your progress toward your savings goals. <\/p> <h3 class=\"wp-block-heading\" id=\"h-financial-advisors\">Financial Advisors<\/h3> <p class=\"wp-block-paragraph\">Financial advisors can take a look at your finances and help you create a plan to meet your goals. They can also help you develop a strategy to meet more long-term goals, like buying a home, saving for your children\u2019s education or building a nest egg for retirement. <\/p> <h3 class=\"wp-block-heading\" id=\"h-online-savings-calculators\">Online Savings Calculators<\/h3> <p class=\"wp-block-paragraph\">Online savings calculators let you estimate how much you need to save to reach your goals. You input your target amount, time frame and expected interest rate. The calculator then shows how much to save each month.<\/p> <h2 class=\"wp-block-heading\" id=\"h-strategies-for-meeting-your-savings-goals\">Strategies for Meeting Your Savings Goals<\/h2> <p class=\"wp-block-paragraph\">Here are some tips to help you reach the finish line faster. <\/p> <h3 class=\"wp-block-heading\" id=\"h-automating-your-savings\">Automating Your Savings<\/h3> <p class=\"wp-block-paragraph\">You can put your savings plan on autopilot by setting up automatic transfers from your checking account to your savings account. Or you can ask your employer to deposit a percentage of each paycheck directly to your savings accounts. <\/p> <h3 class=\"wp-block-heading\" id=\"h-cutting-unnecessary-expenses\">Cutting Unnecessary Expenses<\/h3> <p class=\"wp-block-paragraph\">Take a look at your budget and trim the fat. Look for expenses to eliminate or scale back in the short term to free up cash in your plan. That way, you\u2019ll have extra funds to allocate to your savings. <\/p> <h3 class=\"wp-block-heading\" id=\"h-increasing-your-income\">Increasing Your Income<\/h3> <p class=\"wp-block-paragraph\">If there isn\u2019t much to cut or you like your budget as is, look for ways to boost your income. You could potentially ask for a raise, work overtime, pick up a part-time job or find a side hustle. <\/p> <h2 class=\"wp-block-heading\" id=\"h-tracking-your-progress\">Tracking Your Progress<\/h2> <p class=\"wp-block-paragraph\">Once your savings journey begins, these tips can help you keep tabs on your progress. <\/p> <h3 class=\"wp-block-heading\" id=\"h-setting-milestones\">Setting Milestones<\/h3> <p class=\"wp-block-paragraph\">Setting milestones helps make your overall savings goal more manageable. Break the larger number down into smaller chunks, and reward yourself each time a milestone is met. <\/p> <h3 class=\"wp-block-heading\" id=\"h-regularly-reviewing-your-goals\">Regularly Reviewing Your Goals<\/h3> <p class=\"wp-block-paragraph\">Revisit your goals often to confirm they still align with your overall financial plan. You may find that you\u2019re off track or need to make adjustments to better suit your needs and lifestyle. <\/p> <h2 class=\"wp-block-heading\" id=\"h-common-challenges-and-how-to-overcome-them\">Common Challenges and How to Overcome Them<\/h2> <p class=\"wp-block-paragraph\">Saving money can come with its own set of hurdles, but these tips will help you stay on track. <\/p> <h3 class=\"wp-block-heading\" id=\"h-dealing-with-unexpected-expenses\">Dealing with Unexpected Expenses<\/h3> <p class=\"wp-block-paragraph\">Before targeting aggressive <a href=\"https:\/\/www.miamiherald.com\/banks\/banking\/how-much-money-saved-by-30\/\">savings goals<\/a>, create an emergency fund with at least three to six months in living expenses. That way, you won\u2019t have to worry about blowing up your budget or hindering your savings efforts when life happens.<\/p> <h3 class=\"wp-block-heading\" id=\"h-staying-motivated\">Staying Motivated<\/h3> <p class=\"wp-block-paragraph\">Staying motivated to save money can be challenging, especially when you don\u2019t see immediate rewards. But again, breaking down your savings goals into smaller, more manageable milestones can help you overcome this hurdle. <\/p> <h3 class=\"wp-block-heading\" id=\"h-managing-competing-financial-priorities\">Managing Competing Financial Priorities<\/h3> <p class=\"wp-block-paragraph\">If you\u2019re torn between saving money or paying off high-interest debt, consider doing a little bit of both. While paying off debt sooner than later can save you a bundle of interest, neglecting to save money could make matters worse before they get better if you experience a financial emergency. <\/p> ","protected":false},"excerpt":{"rendered":"<p>Setting savings goals is more than just a plan; it\u2019s a roadmap to financial success. Discover effective strategies to achieve your goals.<\/p> ","protected":false},"author":7,"featured_media":40159,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"footnotes":""},"categories":[271,237],"tags":[],"class_list":["post-40072","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","category-savings-accounts"],"acf":{"zone_id":"324280","sponsored":false,"external_author":1943,"external_editor":39659,"not_show_feature_image":false},"featured_image_src":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/07\/savings-goals.jpg","author_info":{"display_name":"","author_link":"https:\/\/www.miamiherald.com\/banks\/author\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Savings Goals: When and How to Set Them | Miami Herald<\/title>\n<meta name=\"description\" content=\"Setting savings goals is more than just a plan; it\u2019s a roadmap to financial success. Discover effective strategies to achieve your goals.\" \/>\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.miamiherald.com\/banks\/banking\/savings-goals\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Savings Goals: When and How to Set Them\" \/>\n<meta property=\"og:description\" content=\"Setting savings goals is more than just a plan; it\u2019s a roadmap to financial success. Discover effective strategies to achieve your goals.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.miamiherald.com\/banks\/banking\/savings-goals\/\" \/>\n<meta property=\"og:site_name\" content=\"Miami Herald - Personal Finance\" \/>\n<meta property=\"article:published_time\" content=\"2024-07-16T13:43:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-07T17:22:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/07\/savings-goals.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/savings-goals\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/savings-goals\\\/\"},\"author\":{\"@type\":\"Person\",\"image\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Allison-Martin.png\",\"name\":\"Allison Martin\",\"jobTitle\":\"Writer\",\"url\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/author\\\/allison-martin\\\/\",\"description\":\"&lt;p&gt;Allison Martin is a personal finance enthusiast and a passionate entrepreneur. With over a decade of experience, Allison has made a name for herself as a syndicated financial writer.&lt;\\\/p&gt;\\n\"},\"headline\":\"Savings Goals: When and How to Set Them\",\"datePublished\":\"2024-07-16T13:43:17+00:00\",\"dateModified\":\"2024-10-07T17:22:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/savings-goals\\\/\"},\"wordCount\":1232,\"image\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/savings-goals\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/savings-goals.jpg\",\"articleSection\":[\"Personal Banking\",\"Savings Accounts\"],\"inLanguage\":\"en-US\",\"timeRequired\":\"PT1MIN\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/savings-goals\\\/\",\"url\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/savings-goals\\\/\",\"name\":\"Savings Goals: When and How to Set Them | Miami Herald\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/savings-goals\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/savings-goals\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/savings-goals.jpg\",\"datePublished\":\"2024-07-16T13:43:17+00:00\",\"dateModified\":\"2024-10-07T17:22:15+00:00\",\"author\":{\"@id\":\"\"},\"description\":\"Setting savings goals is more than just a plan; it\u2019s a roadmap to financial success. Discover effective strategies to achieve your goals.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/savings-goals\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/savings-goals\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/savings-goals\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/savings-goals.jpg\",\"contentUrl\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/savings-goals.jpg\",\"width\":1200,\"height\":800,\"caption\":\"savings goals\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/savings-goals\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Savings Goals: When and How to Set Them\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/#website\",\"url\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/\",\"name\":\"Miami Herald - Personal Finance\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"\",\"url\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/author\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Savings Goals: When and How to Set Them | Miami Herald","description":"Setting savings goals is more than just a plan; it\u2019s a roadmap to financial success. Discover effective strategies to achieve your goals.","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.miamiherald.com\/banks\/banking\/savings-goals\/","og_locale":"en_US","og_type":"article","og_title":"Savings Goals: When and How to Set Them","og_description":"Setting savings goals is more than just a plan; it\u2019s a roadmap to financial success. Discover effective strategies to achieve your goals.","og_url":"https:\/\/www.miamiherald.com\/banks\/banking\/savings-goals\/","og_site_name":"Miami Herald - Personal Finance","article_published_time":"2024-07-16T13:43:17+00:00","article_modified_time":"2024-10-07T17:22:15+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/07\/savings-goals.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Written by":"","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.miamiherald.com\/banks\/banking\/savings-goals\/#article","isPartOf":{"@id":"https:\/\/www.miamiherald.com\/banks\/banking\/savings-goals\/"},"author":{"@type":"Person","image":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2023\/11\/Allison-Martin.png","name":"Allison Martin","jobTitle":"Writer","url":"https:\/\/www.miamiherald.com\/banks\/author\/allison-martin\/","description":"&lt;p&gt;Allison Martin is a personal finance enthusiast and a passionate entrepreneur. With over a decade of experience, Allison has made a name for herself as a syndicated financial writer.&lt;\/p&gt;\n"},"headline":"Savings Goals: When and How to Set Them","datePublished":"2024-07-16T13:43:17+00:00","dateModified":"2024-10-07T17:22:15+00:00","mainEntityOfPage":{"@id":"https:\/\/www.miamiherald.com\/banks\/banking\/savings-goals\/"},"wordCount":1232,"image":{"@id":"https:\/\/www.miamiherald.com\/banks\/banking\/savings-goals\/#primaryimage"},"thumbnailUrl":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/07\/savings-goals.jpg","articleSection":["Personal Banking","Savings Accounts"],"inLanguage":"en-US","timeRequired":"PT1MIN"},{"@type":"WebPage","@id":"https:\/\/www.miamiherald.com\/banks\/banking\/savings-goals\/","url":"https:\/\/www.miamiherald.com\/banks\/banking\/savings-goals\/","name":"Savings Goals: When and How to Set Them | Miami Herald","isPartOf":{"@id":"https:\/\/www.miamiherald.com\/banks\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.miamiherald.com\/banks\/banking\/savings-goals\/#primaryimage"},"image":{"@id":"https:\/\/www.miamiherald.com\/banks\/banking\/savings-goals\/#primaryimage"},"thumbnailUrl":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/07\/savings-goals.jpg","datePublished":"2024-07-16T13:43:17+00:00","dateModified":"2024-10-07T17:22:15+00:00","author":{"@id":""},"description":"Setting savings goals is more than just a plan; it\u2019s a roadmap to financial success. Discover effective strategies to achieve your goals.","breadcrumb":{"@id":"https:\/\/www.miamiherald.com\/banks\/banking\/savings-goals\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.miamiherald.com\/banks\/banking\/savings-goals\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.miamiherald.com\/banks\/banking\/savings-goals\/#primaryimage","url":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/07\/savings-goals.jpg","contentUrl":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/07\/savings-goals.jpg","width":1200,"height":800,"caption":"savings goals"},{"@type":"BreadcrumbList","@id":"https:\/\/www.miamiherald.com\/banks\/banking\/savings-goals\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.miamiherald.com\/banks\/"},{"@type":"ListItem","position":2,"name":"Savings Goals: When and How to Set Them"}]},{"@type":"WebSite","@id":"https:\/\/www.miamiherald.com\/banks\/#website","url":"https:\/\/www.miamiherald.com\/banks\/","name":"Miami Herald - Personal Finance","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.miamiherald.com\/banks\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"","url":"https:\/\/www.miamiherald.com\/banks\/author\/"}]}},"_links":{"self":[{"attributes":[],"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/posts\/40072"}],"collection":[{"attributes":[],"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/posts"}],"about":[{"attributes":[],"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/types\/post"}],"author":[{"attributes":{"embeddable":true},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"attributes":{"embeddable":true},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/comments?post=40072"}],"version-history":[{"attributes":{"count":0},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/posts\/40072\/revisions"}],"acf:post":[{"attributes":{"embeddable":true},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/external-author\/39659"},{"attributes":{"embeddable":true},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/external-author\/1943"}],"wp:featuredmedia":[{"attributes":{"embeddable":true},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/media\/40159"}],"wp:attachment":[{"attributes":[],"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/media?parent=40072"}],"wp:term":[{"attributes":{"taxonomy":"category","embeddable":true},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/categories?post=40072"},{"attributes":{"taxonomy":"post_tag","embeddable":true},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/tags?post=40072"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}