{"id":265396,"date":"2021-06-03T07:03:00","date_gmt":"2021-06-03T04:03:00","guid":{"rendered":"https:\/\/en.buradabiliyorum.com\/deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire\/"},"modified":"2021-06-03T07:03:00","modified_gmt":"2021-06-03T04:03:00","slug":"deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire","status":"publish","type":"post","link":"https:\/\/buradabiliyorum.com\/en\/deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire\/","title":{"rendered":"#\n  Deferring taxable income is usually a good idea \u2014 but here\u2019s how it can backfire"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a3f9ca1e7691\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #dd3333;color:#dd3333\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #dd3333;color:#dd3333\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a3f9ca1e7691\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/buradabiliyorum.com\/en\/deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire\/#Its_possible_to_have_too_much_tax_deferral_Here_are_some_tax-smart_moves_to_make_instead\" >It\u2019s possible to have too much tax deferral. Here are some tax-smart moves to make instead.<\/a><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/buradabiliyorum.com\/en\/deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire\/#Tax_deferral_opportunities\" >Tax deferral opportunities<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/buradabiliyorum.com\/en\/deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire\/#But_wait_is_tax_deferral_a_no-brainer_this_year\" >But wait: is tax deferral a no-brainer this year?<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/buradabiliyorum.com\/en\/deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire\/#The_current_picture\" >The current picture<\/a><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/buradabiliyorum.com\/en\/deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire\/#The_Biden_tax_plan_is_in_play\" >The Biden tax plan is in play<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/buradabiliyorum.com\/en\/deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire\/#The_message\" >The message<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/buradabiliyorum.com\/en\/deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire\/#Consider_tax-smart_moves_that_dont_involve_tax_deferral\" >Consider tax-smart moves that don\u2019t involve tax deferral<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/buradabiliyorum.com\/en\/deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire\/#Not_tax_deferral_Roth_IRAs\" >Not tax deferral: Roth IRAs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/buradabiliyorum.com\/en\/deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire\/#Not_tax_deferral_Roth_401k_accounts\" >Not tax deferral: Roth 401(k) accounts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/buradabiliyorum.com\/en\/deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire\/#Not_tax_deferral_health_savings_accounts_HSAs\" >Not tax deferral: health savings accounts (HSAs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/buradabiliyorum.com\/en\/deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire\/#Not_tax_deferral_take_retirement_account_withdrawals_gasp\" >Not tax deferral: take retirement account withdrawals (gasp!)<\/a><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/buradabiliyorum.com\/en\/deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire\/#The_bottom_line\" >The bottom line<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/buradabiliyorum.com\/en\/deferring-taxable-income-is-usually-a-good-idea-but-heres-how-it-can-backfire\/#Bill_Bischoff\" >Bill Bischoff<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>&#8220;<strong>#<br \/>\n  Deferring taxable income is usually a good idea \u2014 but here\u2019s how it can backfire<br \/>\n<\/strong>&#8221;<\/p>\n<h2 class=\"article__subhead\" itemprop=\"alternativeHeadline\"><span class=\"ez-toc-section\" id=\"Its_possible_to_have_too_much_tax_deferral_Here_are_some_tax-smart_moves_to_make_instead\"><\/span>\n  It\u2019s possible to have too much tax deferral. Here are some tax-smart moves to make instead.<br \/>\n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><\/p>\n<div class=\"column column--full article__content\">\n<div class=\"article__side\">\n<div class=\"container--sticky not-active\">\n<div id=\"cx-next\">\n              <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"js-article__body\" class=\"article__body article-wrap at16-col16 barrons-article-wrap\" itemprop=\"articleBody\" data-sbid=\"WP-MKTW-0000292436\">\n<div class=\"barrons-article-ad-wrapper\">\n<div data-track=\"barrons-article-ad-wrap\" class=\"barrons-article-ad sticky_item\">\n<div class=\"barrons-main-article-ad-target sticky_target body_ad\" aria-hidden=\"true\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>       Conventional wisdom says that taking steps to defer your current individual federal income bill is almost always a good idea. True, if you expect to be in the same or lower tax bracket in future years, and you turn out to be right about that. <\/p>\n<p> If so, making moves to lower this year\u2019s taxable income will at least give you more cash to work with until the bill comes due. If your tax rate drops, deferring taxable income into future years will cause the deferred amount(s) to be taxed lower rates. Great. <\/p>\n<div class=\"paywall\">\n       But is that really very likely? I don\u2019t think so. So, let\u2019s discuss tax deferral opportunities and whether they make sense for you in today\u2019s uncertain tax environment. Here goes.<\/p>\n<h6><span class=\"ez-toc-section\" id=\"Tax_deferral_opportunities\"><\/span>Tax deferral opportunities<span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p>Among individual taxpayers, small business owners have the most opportunities to defer taxable income. See this previous Tax Guy column for more details.<\/p>\n<p>If you\u2019re not a small business owner, you can defer taxable income by prepaying expenses that give rise to higher itemized deductions, maxing out on retirement plan contributions at work, making installment sales of property, and arranging for like-kind exchanges of real estate while you still can.<\/p>\n<h6><span class=\"ez-toc-section\" id=\"But_wait_is_tax_deferral_a_no-brainer_this_year\"><\/span>But wait: is tax deferral a no-brainer this year?<span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p>Uh, no. You could potentially have \u201ctoo much\u201d tax deferral. Here\u2019s why.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"The_current_picture\"><\/span>The current picture<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>For 2018-2025, the Tax Cuts and Jobs Act (TCJA) cut federal income tax rates for most individuals.<\/p>\n<p>At this instant, the top federal income tax rate on ordinary income and net short-term capital gains recognized by individual taxpayers is 37%.<\/p>\n<p>Higher-income individuals can be hit with the additional 0.9% Medicare tax on part of their wages and\/or net self-employment income.<\/p>\n<p>The top federal rate on most net long-term capital gains is 20% for very-high-income individuals. However, the vast majority will pay 15%, and those with modest incomes might pay 0%. The same preferential rates <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/download-scripts-themes-apps\/\" data-internallinksmanager029f6b8e52c=\"9\" title=\"Download Scripts &amp; Themes &amp; Apps\" target=\"_blank\" rel=\"noopener\">app<\/a>ly to qualified dividends.<\/p>\n<div id=\"cx-membership-tile\"><\/div>\n<p>Higher-income individuals can be hit with the 3.8% net investment income tax (NIIT) on all or part of their net investment income, which includes capital gains and dividends.<\/p>\n<h6><span class=\"ez-toc-section\" id=\"The_Biden_tax_plan_is_in_play\"><\/span>The Biden tax plan is in play<span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p>The higher pre-TCJA tax rates are scheduled to come back after 2025. But higher rates could be here much sooner if some or all of President Joe Biden\u2019s tax increase proposals get through Congress. If that happens, they could kick in as early as this year, but I think a 2022 effective date would be a better bet.<\/p>\n<p>The Biden plan would raise the top federal income tax rate for individuals from 37% to 39.6%, reportedly for single filers with taxable income above about $450,000 and married joint-filers with taxable income above about $500,000.<\/p>\n<p>For those with taxable income above $1 million, Biden wants to raise the rate on long-term capital gains to 39.6% plus the 3.8% NIIT. That would equate to a maximum effective rate of 43.4% (39.6% + 3.8%), up from the current maximum effective rate of 23.8% (20% + 3.8%). Biden wants to make this increase retroactively effective, to hit gains triggered on or after April 1 of this year. <\/p>\n<h6><span class=\"ez-toc-section\" id=\"The_message\"><\/span>The message<span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p>With possible tax rate increases on the table, think twice about deferring taxable income this year, because deferred amounts could wind up being taxed at higher rates in 2022 and beyond. Or not, because it\u2019s unclear if there\u2019s much appetite in Congress for higher taxes. That said, it\u2019s hard to believe that the current relatively low rates will last too much longer.<\/p>\n<p>Work with your tax adviser to formulate projections about what would happen to your future tax bills in various scenarios.<\/p>\n<h6><span class=\"ez-toc-section\" id=\"Consider_tax-smart_moves_that_dont_involve_tax_deferral\"><\/span>Consider tax-smart moves that don\u2019t involve tax deferral<span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p>Good idea. Here are some.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Not_tax_deferral_Roth_IRAs\"><\/span>Not tax deferral: Roth IRAs<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Because qualified withdrawals from Roth IRAs are federal-income-tax-free, Roth accounts offer the opportunity for outright tax avoidance, as opposed to tax deferral. So, making annual contributions to a Roth IRA (if your income permits) is an attractive alternative to \u201ctoo much\u201d tax deferral for those who expect to pay higher tax rates during retirement. Good.<\/p>\n<p>Converting a traditional IRA into a Roth account effectively allows you to prepay your IRA federal income tax bill on the current IRA account balance at today\u2019s low rates instead of paying higher future rates on the current account balance and future account earnings.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Not_tax_deferral_Roth_401k_accounts\"><\/span>Not tax deferral: Roth 401(k) accounts<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>The Roth 401(k) deal is basically a traditional 401(k) plan with a Roth account feature added. If your employer offers a 401(k) plan with the Roth option, you can contribute after-tax dollars to a designated Roth account (DRA) set up under the plan. The DRA is a separate account from which you can eventually take federal-income-tax-free qualified distributions. So, making DRA contributions is another attractive alternative to \u201ctoo much\u201d tax deferral for those who expect to pay higher tax rates during retirement. <\/p>\n<p>Note that unlike annual Roth IRA contributions, the ability to make DRA contributions is not phased out at higher income levels. I\u2019ll cover DRA contributions in detail in a future column.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Not_tax_deferral_health_savings_accounts_HSAs\"><\/span>Not tax deferral: health savings accounts (HSAs)<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>If you\u2019re covered by a not-very-generous health plan, you might be eligible to open up and contribute to a tax-advantaged health savings account (HSA).<\/p>\n<p>HSA contributions are deductible and withdrawals are federal-income-tax-free when used to cover qualified medical expenses. So, HSAs offer outright tax avoidance, as opposed to tax deferral.<\/p>\n<p>For the 2021 tax year, you can make a deductible HSA contribution of up to $3,600 if you have qualifying self-only coverage or up to $7,200 if you have qualifying family coverage (anything other than self-only coverage). If you are age 55 or older as of yearend, the maximum contribution goes up by $1,000.<\/p>\n<p>You must have a qualifying high-deductible health insurance policy and no other <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/general\/\" data-internallinksmanager029f6b8e52c=\"3\" title=\"General\" target=\"_blank\" rel=\"noopener\">general<\/a> health coverage to be eligible for the HSA contribution privilege. For 2021, a high-deductible policy is defined as one with a deductible of at least $1,400 for self-only coverage or $2,800 for family coverage.<\/p>\n<div data-layout=\"inline\n                \" data-layout-mobile=\"\" class=\"\n          media-object\n          type-InsetPullQuote\n            inline\n    scope-web|mobileapps\n  article__inset\n          article__inset--type-InsetPullQuote\n            article__inset--inline\n  \"><\/p>\n<div class=\"wsj-article-pullquote article__inset__pullquote \">\n<p class=\"pullquote-content article__inset__pullquote__quote\">\n        <span class=\"l-qt article__inset__pullquote__mark--left\">\u201c<\/span><br \/>\n        Even billionaires can contribute to health-savings accounts if they have qualifying high-deductible health insurance coverage and meet the other HSA contribution eligibility requirements.<br \/>\n        <span class=\"r-qt article__inset__pullquote__mark--right\">\u201d<\/span><\/p><\/div>\n<\/p><\/div>\n<p>       For 2021, qualifying policies can have out-of-pocket maximums of up to $7,000 for self-only coverage or $14,000 for family coverage.<\/p>\n<p> If you\u2019re eligible to make an HSA contribution, you have until April 15 of the following year (adjusted for weekends and holidays) to open an account and make a deductible contribution for the earlier year. So, there\u2019s tons of time to open an account and make a deductible contribution for 2021, because the deadline is 4\/15\/22.<\/p>\n<p>The write-off for HSA contributions is an above-the-line deduction. That means you can take the write-off even if you don\u2019t itemize. More good <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/news\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"News\" target=\"_blank\" rel=\"noopener\">news<\/a>: the HSA contribution privilege is not lost just because you happen to be a high earner. If you are covered by qualifying high-deductible health insurance, you can make deductible contributions and collect the resulting tax savings. Even billionaires can contribute if they have qualifying high-deductible health insurance coverage and meet the other HSA contribution eligibility requirements.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Not_tax_deferral_take_retirement_account_withdrawals_gasp\"><\/span>Not tax deferral: take retirement account withdrawals (gasp!)<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>This idea will cause some tax advisors to recoil in horror. But here it is anyway: consider taking withdrawals from your tax-deferred retirement account(s) now, when tax rates are low, rather than later when tax rates might be higher.<\/p>\n<p>You may be restricted from doing this with a company plan, like a 401(k), but you can do it with a traditional IRA or self-employed SEP-IRA. However, taking a traditional IRA withdrawal before age 59\u00bd is usually a bad idea because you\u2019ll get socked with the dreaded 10% early withdrawal penalty tax unless you qualify for an exception. For the list of exceptions, see this Tax Guy.<\/p>\n<p>Also, don\u2019t take withdrawals from a Roth account any sooner than you have to. You want to Roth balances untouched so you can keep earning federal-income-tax-free income and gains.<\/p>\n<h6><span class=\"ez-toc-section\" id=\"The_bottom_line\"><\/span>The bottom line<span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p>Work with your tax advisor to if you might have \u201ctoo much\u201d tax deferral, taking into account what I think is the virtual certainty of higher federal income tax rates in future years. Higher rates probably won\u2019t happen this year and may not happen next year. But they will be here before too long, IMHO.<\/p><\/div>\n<\/div><\/div>\n<p><\/p>\n<div class=\"byline article__byline\">\n<p>      <span>By<\/span><\/p>\n<div class=\"author  hasMenu\" data-scrim='{\"type\":\"author\",\"header\":\"Bill Bischoff\",\"subhead\":\"The Wall Street Journal\",\"list\":[]}' itemscope itemprop=\"author\" itemtype=\"http:\/\/schema.org\/Person\">\n<h4 itemprop=\"name\"><span class=\"ez-toc-section\" id=\"Bill_Bischoff\"><\/span>Bill Bischoff<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/p><\/div>\n<\/div>\n<blockquote><p><strong><span style=\"color: #ff6600;\">If you liked the article, do not forget to share it with your friends. Follow us on\u00a0<span style=\"color: #ff0000;\"><a style=\"color: #ff0000;\" href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMLG0nwswvr63Aw\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Google News<\/a><\/span>\u00a0too, click on the star and choose us from your favorites.<\/span><\/strong><\/p><\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\">For forums sites go to <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/forum.buradabiliyorum.com\/\" target=\"_blank\" rel=\"noopener\">Forum.BuradaBiliyorum.Com<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\"><strong>If you want to read more News articles, you can visit our <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/en.buradabiliyorum.com\/news\/\" target=\"_blank\" rel=\"noopener\">News category.<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<p><span style=\"color: black;\"><a style=\"color: #ff9900;\" href=\"http:\/\/www.marketwatch.com\/news\/story.asp?guid=%7B20C05575-04D4-B545-7476-5438A40E4741%7D&#038;siteid=rss&#038;rss=1\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;# Deferring taxable income is usually a good idea \u2014 but here\u2019s how it can backfire &#8221; It\u2019s possible to have too much tax deferral. Here are some tax-smart moves to make instead. Conventional wisdom says that taking steps to defer your current individual federal income bill is almost always a good idea. True, if&#8230;<\/p>\n","protected":false},"author":1,"featured_media":265397,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[70897],"tags":[],"class_list":["post-265396","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/265396","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/comments?post=265396"}],"version-history":[{"count":0,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/265396\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media\/265397"}],"wp:attachment":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media?parent=265396"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/categories?post=265396"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/tags?post=265396"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}