Start here. This is the direct spoken answer to practice first.
Overview
A nested payload is easy to represent but ambiguous to update until its write semantics are defined.
DRF does not provide a universal automatic write policy for nested representations, so I implement create() or update() explicitly or call a dedicated application service. The contract must say whether nested items are created, matched, replaced, updated, or deleted and which identifiers are trusted. Validation and authorization happen before mutation where possible, and one owner controls the database transaction.