[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"badge-catalog":3,"catalog-en":632},[4,11,17,23,29,35,42,48,54,61,67,73,79,86,92,98,104,110,116,122,128,134,140,146,152,158,164,170,176,182,188,194,200,206,212,218,224,230,236,242,248,254,260,266,272,278,284,290,296,302,308,314,320,326,332,338,344,350,356,362,368,374,380,386,392,398,404,410,416,422,428,434,440,446,452,458,464,470,476,482,488,494,500,506,512,518,524,530,536,542,548,554,560,566,572,578,584,590,596,602,608,614,620,626],{"id":5,"label":6,"name":7,"description":8,"rarity":9,"explanation":10},242,"curious_first","First Penny","Complete your very first lesson.","Common","Your first lesson, your first penny of real money know-how. Tap any node on the path, hit START, and get through it.",{"id":12,"label":13,"name":14,"description":15,"rarity":9,"explanation":16},243,"curious_five","Pocket Change","Complete 5 lessons.","Five lessons in. Small change for now, but every fortune starts with a few coins.",{"id":18,"label":19,"name":20,"description":21,"rarity":9,"explanation":22},244,"curious_ten","Ten Bucks","Complete 10 lessons.","Ten lessons. You already know more about how money works than most people around you.",{"id":24,"label":25,"name":26,"description":27,"rarity":9,"explanation":28},245,"curious_twenty_five","Follow the Money","Complete 25 lessons.","Twenty-five lessons. You've started to follow the money, and it leads everywhere.",{"id":30,"label":31,"name":32,"description":33,"rarity":9,"explanation":34},246,"curious_fifty","Money Apprentice","Complete 50 lessons.","Fifty lessons. The ideas that sounded like Wall Street magic are turning into plain math.",{"id":36,"label":37,"name":38,"description":39,"rarity":40,"explanation":41},247,"curious_hundred","Triple Digits","Complete 100 lessons.","Rare","A hundred lessons! Your curiosity just crossed into three-digit territory.",{"id":43,"label":44,"name":45,"description":46,"rarity":40,"explanation":47},248,"curious_one_fifty","Deep Pockets","Complete 150 lessons.","150 lessons deep. Your pockets of knowledge just got a lot deeper.",{"id":49,"label":50,"name":51,"description":52,"rarity":40,"explanation":53},249,"curious_two_hundred","Money Explainer","Complete 200 lessons.","Two hundred lessons. You could explain most of these at a dinner table, and people would listen.",{"id":55,"label":56,"name":57,"description":58,"rarity":59,"explanation":60},250,"curious_three_hundred","Walking Ledger","Complete 300 lessons.","Epic","Three hundred lessons. You keep track of how money works the way a ledger keeps every cent.",{"id":62,"label":63,"name":64,"description":65,"rarity":59,"explanation":66},251,"curious_four_hundred","Money Brain","Complete 400 lessons.","Four hundred lessons. More than half the path is behind you, and your brain thinks in money now.",{"id":68,"label":69,"name":70,"description":71,"rarity":59,"explanation":72},252,"curious_five_hundred","Mastermind","Complete 500 lessons.","Five hundred lessons. Only the final stretch of the path stands between you and knowing it all.",{"id":74,"label":75,"name":76,"description":77,"rarity":59,"explanation":78},253,"curious_six_hundred","Six Figures","Complete 600 lessons.","Six hundred lessons. Six figures of curiosity, and the finish line is in sight.",{"id":80,"label":81,"name":82,"description":83,"rarity":84,"explanation":85},254,"curious_every","Money Master","Complete every lesson on the path.","Legendary","All 720 lessons. Every curiosity on the path, understood. Money has no secrets left for you.",{"id":87,"label":88,"name":89,"description":90,"rarity":9,"explanation":91},255,"flawless_first","Clean Sheet","Pass a lesson with no mistakes.","Answer every test question right on the first try. Three stars, zero slips.",{"id":93,"label":94,"name":95,"description":96,"rarity":9,"explanation":97},256,"flawless_ten","Sharp Pencil","Pass 10 lessons with no mistakes.","Ten perfect tests. Sharp as a freshly sharpened pencil on tax day.",{"id":99,"label":100,"name":101,"description":102,"rarity":40,"explanation":103},257,"flawless_fifty","Auditor","Pass 50 lessons with no mistakes.","Fifty flawless tests. You check every answer the way an auditor checks the books.",{"id":105,"label":106,"name":107,"description":108,"rarity":59,"explanation":109},258,"flawless_one_fifty","Zero Errors","Pass 150 lessons with no mistakes.","150 lessons without a single slip. Even an accountant would be impressed.",{"id":111,"label":112,"name":113,"description":114,"rarity":84,"explanation":115},259,"flawless_four_hundred","Flawless Ledger","Pass 400 lessons with no mistakes.","Four hundred perfect tests. Not a single entry out of place.",{"id":117,"label":118,"name":119,"description":120,"rarity":40,"explanation":121},260,"spotless_zone","Spotless Zone","Get 3 stars on every node of a zone.","Nine nodes, nine perfect tests. A whole zone without a single mistake.",{"id":123,"label":124,"name":125,"description":126,"rarity":59,"explanation":127},261,"spotless_ten","Immaculate","Get 3 stars on every node of 10 zones.","Ten zones without a single slip. Perfection is starting to look like your default setting.",{"id":129,"label":130,"name":131,"description":132,"rarity":9,"explanation":133},262,"explorer_first","First Zone","Clear your first zone.","Complete every node in a zone to clear it and open the next one.",{"id":135,"label":136,"name":137,"description":138,"rarity":9,"explanation":139},263,"explorer_three","Trailblazer","Clear 3 zones.","Three zones down. Every one is a whole new world, and you've already seen three.",{"id":141,"label":142,"name":143,"description":144,"rarity":9,"explanation":145},264,"explorer_five","Explorer","Clear 5 zones.","Five zones behind you. The path keeps going, and so do the surprises.",{"id":147,"label":148,"name":149,"description":150,"rarity":9,"explanation":151},265,"explorer_ten","Wayfinder","Clear 10 zones.","Ten zones cleared. You know your way around the path now.",{"id":153,"label":154,"name":155,"description":156,"rarity":40,"explanation":157},266,"explorer_fifteen","Voyager","Clear 15 zones.","Fifteen zones. Like the famous space probe, you just keep going farther.",{"id":159,"label":160,"name":161,"description":162,"rarity":40,"explanation":163},267,"explorer_twenty","Pathfinder","Clear 20 zones.","Twenty zones explored. Every new zone is a fresh set of curiosities to crack.",{"id":165,"label":166,"name":167,"description":168,"rarity":40,"explanation":169},268,"explorer_thirty","Navigator","Clear 30 zones.","Thirty zones cleared. You could draw this path from memory.",{"id":171,"label":172,"name":173,"description":174,"rarity":59,"explanation":175},269,"explorer_forty_five","Globetrotter","Clear 45 zones.","Forty-five zones. You're past the halfway mark and still going strong.",{"id":177,"label":178,"name":179,"description":180,"rarity":59,"explanation":181},270,"explorer_sixty","Home Stretch","Clear 60 zones.","Sixty zones. You're on the home stretch, with only the last zones left to explore.",{"id":183,"label":184,"name":185,"description":186,"rarity":84,"explanation":187},271,"explorer_every","Master of the Path","Clear every zone.","Every zone, cleared. You walked the whole path from the first spark to the last lesson.",{"id":189,"label":190,"name":191,"description":192,"rarity":9,"explanation":193},272,"milestone_first","First Story","Complete your first super node.","The treasure chest in each zone is its story, the zone's biggest node. Finish one to earn this.",{"id":195,"label":196,"name":197,"description":198,"rarity":9,"explanation":199},273,"milestone_five","Storyteller","Complete 5 super nodes.","Five zone stories finished. You could tell every one of them at dinner.",{"id":201,"label":202,"name":203,"description":204,"rarity":40,"explanation":205},274,"milestone_fifteen","Story Hunter","Complete 15 super nodes.","Fifteen zone stories. You go looking for the big ones now.",{"id":207,"label":208,"name":209,"description":210,"rarity":40,"explanation":211},275,"milestone_twenty_five","Showstopper","Complete 25 super nodes.","Twenty-five zone stories. The biggest ideas on the path keep falling to you.",{"id":213,"label":214,"name":215,"description":216,"rarity":59,"explanation":217},276,"milestone_forty","Saga Master","Complete 40 super nodes.","Forty zone stories. Half of the biggest tales on the path, told.",{"id":219,"label":220,"name":221,"description":222,"rarity":59,"explanation":223},277,"milestone_sixty","Headline Act","Complete 60 super nodes.","Sixty zone stories. The headline acts have met their match.",{"id":225,"label":226,"name":227,"description":228,"rarity":84,"explanation":229},278,"milestone_every","Every Story Told","Complete every super node.","Every story on the path, from the first zone to the last. Not one got away.",{"id":231,"label":232,"name":233,"description":234,"rarity":9,"explanation":235},279,"track_history_five","Coin Collector","Complete 5 lessons in Money & Its History.","Five lessons in Money & Its History. You've started collecting the stories behind every coin.",{"id":237,"label":238,"name":239,"description":240,"rarity":9,"explanation":241},280,"track_work_five","Time Is Money","Complete 5 lessons in Work & the Rat Race.","Five lessons in Work & the Rat Race. You're starting to see what your hours are really worth.",{"id":243,"label":244,"name":245,"description":246,"rarity":9,"explanation":247},281,"track_business_five","Side Hustler","Complete 5 lessons in Building a Business.","Five lessons in Building a Business. You're starting to see how a business really makes money.",{"id":249,"label":250,"name":251,"description":252,"rarity":9,"explanation":253},282,"track_budgeting_five","Budget Keeper","Complete 5 lessons in Spending & Budgeting.","Five lessons in Spending & Budgeting. You're starting to see where money really goes.",{"id":255,"label":256,"name":257,"description":258,"rarity":9,"explanation":259},283,"track_saving_five","Seed Planter","Complete 5 lessons in Saving & Compound Interest.","Five lessons in Saving & Compound Interest. The seeds are planted; now watch them grow.",{"id":261,"label":262,"name":263,"description":264,"rarity":9,"explanation":265},284,"track_debt_five","Credit Check","Complete 5 lessons in Borrowing, Credit & Debt.","Five lessons in Borrowing, Credit & Debt. You're starting to see what a loan really costs.",{"id":267,"label":268,"name":269,"description":270,"rarity":9,"explanation":271},285,"track_banks_five","Vault Visitor","Complete 5 lessons in Banks & Central Banks.","Five lessons in Banks & Central Banks. You've been inside the vault, and it's not what you thought.",{"id":273,"label":274,"name":275,"description":276,"rarity":9,"explanation":277},286,"track_inflation_five","Price Watcher","Complete 5 lessons in Inflation & the Economy.","Five lessons in Inflation & the Economy. You're starting to see why prices seem to only go up.",{"id":279,"label":280,"name":281,"description":282,"rarity":9,"explanation":283},287,"track_risk_five","Odds Reader","Complete 5 lessons in Risk, Insurance & Probability.","Five lessons in Risk, Insurance & Probability. You're starting to read the odds like a pro.",{"id":285,"label":286,"name":287,"description":288,"rarity":9,"explanation":289},288,"track_stocks_five","Shareholder","Complete 5 lessons in Stocks & Companies.","Five lessons in Stocks & Companies. You're starting to see what owning a slice of a company means.",{"id":291,"label":292,"name":293,"description":294,"rarity":9,"explanation":295},289,"track_bonds_five","Bond Rookie","Complete 5 lessons in Bonds & Interest Rates.","Five lessons in Bonds & Interest Rates. You're starting to see how lending for interest really works.",{"id":297,"label":298,"name":299,"description":300,"rarity":9,"explanation":301},290,"track_funds_five","Basket Builder","Complete 5 lessons in Funds & Indices.","Five lessons in Funds & Indices. You're starting to see what's inside the basket.",{"id":303,"label":304,"name":305,"description":306,"rarity":9,"explanation":307},291,"track_realestate_five","House Hunter","Complete 5 lessons in Real Estate.","Five lessons in Real Estate. You're starting to see what a home really costs, beyond the price tag.",{"id":309,"label":310,"name":311,"description":312,"rarity":9,"explanation":313},292,"track_crypto_five","Block Explorer","Complete 5 lessons in Crypto & Digital Money.","Five lessons in Crypto & Digital Money. You're starting to see what's actually in the block.",{"id":315,"label":316,"name":317,"description":318,"rarity":9,"explanation":319},293,"track_bubbles_five","Bubble Spotter","Complete 5 lessons in Bubbles, Scams & Crashes.","Five lessons in Bubbles, Scams & Crashes. You're starting to spot a bubble before it pops.",{"id":321,"label":322,"name":323,"description":324,"rarity":9,"explanation":325},294,"track_mindset_five","Mind Over Money","Complete 5 lessons in Money Mindset & Psychology.","Five lessons in Money Mindset & Psychology. You're starting to catch your brain's money tricks.",{"id":327,"label":328,"name":329,"description":330,"rarity":59,"explanation":331},295,"track_history_all","Money Historian","Complete every lesson in Money & Its History.","Every lesson in Money & Its History, done. From shells to screens, you know the whole story.",{"id":333,"label":334,"name":335,"description":336,"rarity":59,"explanation":337},296,"track_work_all","Rat Race Escapee","Complete every lesson in Work & the Rat Race.","Every lesson in Work & the Rat Race, done. You know how the race works, and where it can end.",{"id":339,"label":340,"name":341,"description":342,"rarity":59,"explanation":343},297,"track_business_all","Founder","Complete every lesson in Building a Business.","Every lesson in Building a Business, done. You know how a business works, from idea to profit.",{"id":345,"label":346,"name":347,"description":348,"rarity":59,"explanation":349},298,"track_budgeting_all","Budget Boss","Complete every lesson in Spending & Budgeting.","Every lesson in Spending & Budgeting, done. You know where every dollar goes.",{"id":351,"label":352,"name":353,"description":354,"rarity":59,"explanation":355},299,"track_saving_all","Compound Gardener","Complete every lesson in Saving & Compound Interest.","Every lesson in Saving & Compound Interest, done. Your garden of knowledge keeps compounding.",{"id":357,"label":358,"name":359,"description":360,"rarity":59,"explanation":361},300,"track_debt_all","Debt Slayer","Complete every lesson in Borrowing, Credit & Debt.","Every lesson in Borrowing, Credit & Debt, done. You know every trick a loan can play.",{"id":363,"label":364,"name":365,"description":366,"rarity":59,"explanation":367},301,"track_banks_all","Central Banker","Complete every lesson in Banks & Central Banks.","Every lesson in Banks & Central Banks, done. You know the system behind every bank.",{"id":369,"label":370,"name":371,"description":372,"rarity":59,"explanation":373},302,"track_inflation_all","Economist at Heart","Complete every lesson in Inflation & the Economy.","Every lesson in Inflation & the Economy, done. You know why a dollar buys less every year.",{"id":375,"label":376,"name":377,"description":378,"rarity":59,"explanation":379},303,"track_risk_all","Safety Net","Complete every lesson in Risk, Insurance & Probability.","Every lesson in Risk, Insurance & Probability, done. You know how to read the odds.",{"id":381,"label":382,"name":383,"description":384,"rarity":59,"explanation":385},304,"track_stocks_all","Bull Rider","Complete every lesson in Stocks & Companies.","Every lesson in Stocks & Companies, done. You know how the market really works.",{"id":387,"label":388,"name":389,"description":390,"rarity":59,"explanation":391},305,"track_bonds_all","Yield Master","Complete every lesson in Bonds & Interest Rates.","Every lesson in Bonds & Interest Rates, done. You know how interest rates move the world.",{"id":393,"label":394,"name":395,"description":396,"rarity":59,"explanation":397},306,"track_funds_all","Index Insider","Complete every lesson in Funds & Indices.","Every lesson in Funds & Indices, done. You know what's inside every basket.",{"id":399,"label":400,"name":401,"description":402,"rarity":59,"explanation":403},307,"track_realestate_all","Property Pro","Complete every lesson in Real Estate.","Every lesson in Real Estate, done. You know how property works, from mortgage to market.",{"id":405,"label":406,"name":407,"description":408,"rarity":59,"explanation":409},308,"track_crypto_all","Crypto Sage","Complete every lesson in Crypto & Digital Money.","Every lesson in Crypto & Digital Money, done. You know what's behind the hype.",{"id":411,"label":412,"name":413,"description":414,"rarity":59,"explanation":415},309,"track_bubbles_all","Mania Proof","Complete every lesson in Bubbles, Scams & Crashes.","Every lesson in Bubbles, Scams & Crashes, done. Manias and scams have no tricks left for you.",{"id":417,"label":418,"name":419,"description":420,"rarity":59,"explanation":421},310,"track_mindset_all","Money Zen","Complete every lesson in Money Mindset & Psychology.","Every lesson in Money Mindset & Psychology, done. You know how your own brain plays with money.",{"id":423,"label":424,"name":425,"description":426,"rarity":9,"explanation":427},311,"wonder_first","First Wonder","Claim your first Daily Wonder.","Open the Daily Wonder tab and claim today's money curiosity. A new one waits every day.",{"id":429,"label":430,"name":431,"description":432,"rarity":9,"explanation":433},312,"wonder_three","Wonderstruck","Claim 3 Daily Wonders.","Three money wonders in your collection. Curiosity looks good on you.",{"id":435,"label":436,"name":437,"description":438,"rarity":9,"explanation":439},313,"wonder_five","Wonder Collector","Claim 5 Daily Wonders.","Five wonders collected. Your cabinet of curiosities is taking shape.",{"id":441,"label":442,"name":443,"description":444,"rarity":40,"explanation":445},314,"wonder_ten","Curator","Claim 10 Daily Wonders.","Ten wonders! You're curating your own museum of money marvels.",{"id":447,"label":448,"name":449,"description":450,"rarity":40,"explanation":451},315,"wonder_twenty_five","Cabinet of Curiosities","Claim 25 Daily Wonders.","Twenty-five wonders, and every one of them is a story worth telling.",{"id":453,"label":454,"name":455,"description":456,"rarity":40,"explanation":457},316,"wonder_fifty","Wonder Hoarder","Claim 50 Daily Wonders.","Fifty wonders and counting. You never miss a chance to be amazed.",{"id":459,"label":460,"name":461,"description":462,"rarity":59,"explanation":463},317,"wonder_hundred","Museum Keeper","Claim 100 Daily Wonders.","A hundred wonders in your collection. That's a whole museum of money curiosities.",{"id":465,"label":466,"name":467,"description":468,"rarity":59,"explanation":469},318,"wonder_two_hundred","Wonder Archivist","Claim 200 Daily Wonders.","Two hundred wonders. Your archive of curiosities could fill a library wing.",{"id":471,"label":472,"name":473,"description":474,"rarity":84,"explanation":475},319,"wonder_full_year","A Year of Wonders","Claim 365 Daily Wonders.","365 wonders. A whole year of money curiosities, collected one day at a time.",{"id":477,"label":478,"name":479,"description":480,"rarity":40,"explanation":481},320,"wonder_perfect_week","Perfect Week","Claim a Daily Wonder every day from Monday to Sunday.","Fill every day of the weekly calendar with a check. Seven days, seven wonders.",{"id":483,"label":484,"name":485,"description":486,"rarity":59,"explanation":487},321,"wonder_month","Wonder Month","Claim a Daily Wonder 30 days in a row.","Thirty days without missing a single wonder. Now that's dedication.",{"id":489,"label":490,"name":491,"description":492,"rarity":9,"explanation":493},322,"habit_three_days","Spark","Reach a 3-day streak.","Learn something three days in a row. That's how every good habit starts.",{"id":495,"label":496,"name":497,"description":498,"rarity":9,"explanation":499},323,"habit_seven_days","On Fire","Reach a 7-day streak.","A full week of curiosity. Keep the flame alive and it only gets easier.",{"id":501,"label":502,"name":503,"description":504,"rarity":9,"explanation":505},324,"habit_two_weeks","Two Weeks Strong","Reach a 14-day streak.","Fourteen days in a row. This isn't a phase anymore, it's a habit.",{"id":507,"label":508,"name":509,"description":510,"rarity":40,"explanation":511},325,"habit_thirty_days","Habit Formed","Reach a 30-day streak.","Thirty days straight. Learning something new is just part of your day now.",{"id":513,"label":514,"name":515,"description":516,"rarity":40,"explanation":517},326,"habit_fifty_days","Half Century","Reach a 50-day streak.","Fifty days without a break. That's more staying power than most New Year's resolutions.",{"id":519,"label":520,"name":521,"description":522,"rarity":59,"explanation":523},327,"habit_hundred_days","Unstoppable","Reach a 100-day streak.","A hundred days in a row. Very few people ever get here.",{"id":525,"label":526,"name":527,"description":528,"rarity":59,"explanation":529},328,"habit_two_hundred_days","Perpetual Motion","Reach a 200-day streak.","Two hundred days without stopping. Physics says perpetual motion is impossible. You're testing that.",{"id":531,"label":532,"name":533,"description":534,"rarity":84,"explanation":535},329,"habit_full_year","Year of Curiosity","Reach a 365-day streak.","A whole year, every single day. That's a full year of curiosity in a row.",{"id":537,"label":538,"name":539,"description":540,"rarity":40,"explanation":541},330,"habit_shield_saved","The Shielded","Have a streak shield save your streak.","Missed a day? A streak shield stepped in and kept your streak alive.",{"id":543,"label":544,"name":545,"description":546,"rarity":9,"explanation":547},331,"knowledge_one_hundred","First Hundred","Earn 100 XP.","Your first hundred XP. Every lesson pays, and the deeper zones pay more.",{"id":549,"label":550,"name":551,"description":552,"rarity":9,"explanation":553},332,"knowledge_five_hundred","Earning Interest","Earn 500 XP.","Five hundred XP. Your knowledge is earning interest, and the deeper zones pay more.",{"id":555,"label":556,"name":557,"description":558,"rarity":9,"explanation":559},333,"knowledge_one_thousand","A Grand","Earn 1,000 XP.","A thousand XP. In money talk, that's your first grand.",{"id":561,"label":562,"name":563,"description":564,"rarity":40,"explanation":565},334,"knowledge_twenty_five_hundred","Well Read","Earn 2,500 XP.","Two and a half thousand XP. You've read your way deep into the path.",{"id":567,"label":568,"name":569,"description":570,"rarity":40,"explanation":571},335,"knowledge_five_thousand","High Earner","Earn 5,000 XP.","Five thousand XP. Your curiosity is earning serious interest.",{"id":573,"label":574,"name":575,"description":576,"rarity":59,"explanation":577},336,"knowledge_ten_thousand","Ten Grand","Earn 10,000 XP.","Ten thousand XP. Ten grand of know-how, and most of the path played well.",{"id":579,"label":580,"name":581,"description":582,"rarity":84,"explanation":583},337,"knowledge_twenty_five_thousand","Fortune Builder","Earn 25,000 XP.","Twenty-five thousand XP. More than the whole path pays at once, so you kept building.",{"id":585,"label":586,"name":587,"description":588,"rarity":9,"explanation":589},338,"day_three","Hat Trick","Complete 3 new lessons in one day.","Three fresh lessons in a single day. You're on a roll.",{"id":591,"label":592,"name":593,"description":594,"rarity":9,"explanation":595},339,"day_five","Binge Learner","Complete 5 new lessons in one day.","Five new lessons in one day. Better than binge-watching, and you'll remember it.",{"id":597,"label":598,"name":599,"description":600,"rarity":40,"explanation":601},340,"day_ten","Brain Marathon","Complete 10 new lessons in one day.","Ten new lessons in a single day. That's a marathon for the mind.",{"id":603,"label":604,"name":605,"description":606,"rarity":40,"explanation":607},341,"time_night_owl","Night Owl","Complete a lesson between midnight and 5 AM.","Some ideas hit different after midnight. Just don't forget to sleep.",{"id":609,"label":610,"name":611,"description":612,"rarity":40,"explanation":613},342,"time_early_bird","Early Bird","Complete a lesson between 5 AM and 8 AM.","Learning before breakfast. The early bird gets the knowledge.",{"id":615,"label":616,"name":617,"description":618,"rarity":9,"explanation":619},343,"time_weekend","Weekend Warrior","Complete lessons on a Saturday and the Sunday after it.","Curiosity doesn't take weekends off, and neither do you.",{"id":621,"label":622,"name":623,"description":624,"rarity":40,"explanation":625},344,"podium_top_three","On the Podium","Finish in the top 3 of a node's leaderboard.","Pass a lesson with a better result than almost everyone else who has played it.",{"id":627,"label":628,"name":629,"description":630,"rarity":59,"explanation":631},345,"podium_first","Gold Medalist","Finish first on a node's leaderboard.","The best result on a node's leaderboard is yours. Everyone else is chasing you now.",[633,709,785,859,933,1003,1076,1150,1221,1294,1366,1440,1512,1582,1657,1730,1802,1867,1936,2004],{"zone":634,"title":635,"path":636,"tier":634,"theme":637,"lessons":642,"topics":705},1,"Origins of Money","\u002Flearn\u002F1\u002Forigins-of-money",{"key":638,"name":639,"light":640,"dark":641},"old-mint","Old Mint","#0C9B6C","#10B981",[643,650,658,666,673,680,686,692,698],{"stage":634,"step":634,"id":644,"path":645,"node":634,"title":646,"subtitle":647,"topic":648,"track":649},"your-money-isnt-in-the-bank","\u002Flearn\u002F1\u002Forigins-of-money\u002Fyour-money-isnt-in-the-bank","Where Is Your Money?","Your balance is a number on a screen; only about one US dollar in ten exists as cash","Modern Money","Banks & Central Banks",{"stage":634,"step":651,"id":652,"path":653,"node":651,"title":654,"subtitle":655,"topic":656,"track":657},2,"what-is-money-really","\u002Flearn\u002F1\u002Forigins-of-money\u002Fwhat-is-money-really","What Is Money, Really?","Swap it, price with it, save it, and believe in it","What Money Is","Money & Its History",{"stage":634,"step":659,"id":660,"path":661,"node":659,"title":662,"subtitle":663,"topic":664,"track":665},3,"whats-your-hour-really-worth","\u002Flearn\u002F1\u002Forigins-of-money\u002Fwhats-your-hour-really-worth","What's Your Hour Really Worth?","Your real hourly wage is lower than your paycheck says","Time and Money","Work & the Rat Race",{"stage":634,"step":667,"id":668,"path":669,"node":667,"title":670,"subtitle":671,"topic":672,"track":657},4,"the-four-cent-penny","\u002Flearn\u002F1\u002Forigins-of-money\u002Fthe-four-cent-penny","The Four-Cent Penny","Making a cent cost the US Mint almost four, so in 2025 it stopped","Coins",{"stage":634,"step":674,"id":675,"path":676,"node":674,"title":677,"subtitle":678,"topic":679,"track":657},5,"from-shells-to-coins","\u002Flearn\u002F1\u002Forigins-of-money\u002Ffrom-shells-to-coins","From Shells to Coins","Cowrie shells, silver lumps and the first stamped coins","History of Money",{"stage":634,"step":681,"id":682,"path":683,"node":681,"title":684,"subtitle":685,"topic":679,"track":657},6,"the-barter-myth","\u002Flearn\u002F1\u002Forigins-of-money\u002Fthe-barter-myth","The Barter Myth","Textbooks say people bartered before money. Anthropologists can't find it",{"stage":634,"step":687,"id":688,"path":689,"node":687,"title":690,"subtitle":691,"topic":679,"track":657},7,"paper-promises","\u002Flearn\u002F1\u002Forigins-of-money\u002Fpaper-promises","Paper Promises","The first paper money was an IOU you could pass on",{"stage":634,"step":693,"id":694,"path":695,"node":693,"title":696,"subtitle":697,"topic":679,"track":657},8,"why-its-called-a-dollar","\u002Flearn\u002F1\u002Forigins-of-money\u002Fwhy-its-called-a-dollar","Why It's Called a Dollar","The name started in a silver mine in Bohemia",{"stage":634,"step":699,"id":700,"path":701,"node":699,"title":702,"subtitle":703,"topic":704,"track":657},9,"acres-of-diamonds","\u002Flearn\u002F1\u002Forigins-of-money\u002Facres-of-diamonds","Acres of Diamonds","In a famous 1890 lecture, a farmer sells his land to hunt the world for diamonds; the next owner finds them in the backyard stream","Opportunity",[706,707,708],{"track":657,"count":687},{"track":649,"count":634},{"track":665,"count":634},{"zone":651,"title":710,"path":711,"tier":634,"theme":712,"lessons":717,"topics":781},"The Rat Race","\u002Flearn\u002F2\u002Fthe-rat-race",{"key":713,"name":714,"light":715,"dark":716},"clockwork-city","Clockwork City","#c2410c","#e2581a",[718,725,732,738,745,752,760,767,775],{"stage":651,"step":634,"id":719,"path":720,"node":721,"title":722,"subtitle":723,"topic":724,"track":665},"where-your-paycheck-goes","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fwhere-your-paycheck-goes",10,"Where Your Paycheck Goes","Gross pay is the number you're offered; net pay is what lands","Paychecks",{"stage":651,"step":651,"id":726,"path":727,"node":728,"title":729,"subtitle":730,"topic":731,"track":665},"the-raise-that-costs-you-money","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-raise-that-costs-you-money",11,"The Raise That Costs You Money","A higher tax bracket only taxes the dollars above the line","Taxes",{"stage":651,"step":659,"id":733,"path":734,"node":735,"title":736,"subtitle":737,"topic":710,"track":665},"trading-time-for-money","\u002Flearn\u002F2\u002Fthe-rat-race\u002Ftrading-time-for-money",12,"Trading Time for Money","A paycheck stops the day you stop",{"stage":651,"step":667,"id":739,"path":740,"node":741,"title":742,"subtitle":743,"topic":744,"track":665},"the-40-hour-week-was-a-fight","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-40-hour-week-was-a-fight",13,"The 40-Hour Week Was a Fight","Weekends weren't a gift; they were won","History of Work",{"stage":651,"step":674,"id":746,"path":747,"node":748,"title":749,"subtitle":750,"topic":751,"track":665},"active-and-passive-income","\u002Flearn\u002F2\u002Fthe-rat-race\u002Factive-and-passive-income",14,"Active and Passive Income","Money you work for and money that works for you","Income",{"stage":651,"step":681,"id":753,"path":754,"node":755,"title":756,"subtitle":757,"topic":758,"track":759},"the-hedonic-treadmill","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-hedonic-treadmill",15,"The Hedonic Treadmill","Every upgrade quickly feels normal","Happiness","Money Mindset & Psychology",{"stage":651,"step":687,"id":761,"path":762,"node":763,"title":764,"subtitle":765,"topic":766,"track":665},"the-fisherman-and-the-banker","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-fisherman-and-the-banker",16,"The Fisherman and the Banker","Retold after Heinrich Böll's 1963 tale: a banker urges a fisherman to build a fleet so that one day he can retire and... fish all afternoon","Purpose",{"stage":651,"step":693,"id":768,"path":769,"node":770,"title":771,"subtitle":772,"topic":773,"track":774},"your-freedom-number","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fyour-freedom-number",17,"Your Freedom Number","How much it takes so that work becomes optional","Financial Independence","Saving & Compound Interest",{"stage":651,"step":699,"id":776,"path":777,"node":778,"title":779,"subtitle":780,"topic":773,"track":665},"the-savings-rate-shortcut","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-savings-rate-shortcut",18,"The Savings Rate Shortcut","How much you keep matters more than how much you make",[782,783,784],{"track":665,"count":687},{"track":759,"count":634},{"track":774,"count":634},{"zone":659,"title":786,"path":787,"tier":634,"theme":788,"lessons":793,"topics":856},"Business Basics","\u002Flearn\u002F3\u002Fbusiness-basics",{"key":789,"name":790,"light":791,"dark":792},"founders-garage","Founders' Garage","#1d4ed8","#3b7cf0",[794,801,808,815,821,828,835,842,849],{"stage":659,"step":634,"id":795,"path":796,"node":797,"title":798,"subtitle":799,"topic":786,"track":800},"revenue-isnt-profit","\u002Flearn\u002F3\u002Fbusiness-basics\u002Frevenue-isnt-profit",19,"Revenue Isn't Profit","What comes in minus what goes out","Building a Business",{"stage":659,"step":651,"id":802,"path":803,"node":804,"title":805,"subtitle":806,"topic":807,"track":800},"nine-out-of-ten-fail-in-year-one","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fnine-out-of-ten-fail-in-year-one",20,"Nine Out of Ten Fail in Year One","US data says about four in five new businesses survive their first year","Startups",{"stage":659,"step":659,"id":809,"path":810,"node":811,"title":812,"subtitle":813,"topic":814,"track":800},"margin-what-you-keep-from-each-sale","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fmargin-what-you-keep-from-each-sale",21,"Margin: What You Keep From Each Sale","Price minus cost, one item at a time","Unit Economics",{"stage":659,"step":667,"id":816,"path":817,"node":818,"title":819,"subtitle":820,"topic":814,"track":800},"the-break-even-point","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fthe-break-even-point",22,"The Break-Even Point","The sale where you stop losing money",{"stage":659,"step":674,"id":822,"path":823,"node":824,"title":825,"subtitle":826,"topic":827,"track":800},"your-side-hustle-math","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fyour-side-hustle-math",23,"Your Side-Hustle Math","What your idea really pays per hour","Side Hustles",{"stage":659,"step":681,"id":829,"path":830,"node":831,"title":832,"subtitle":833,"topic":834,"track":800},"three-feet-from-gold","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fthree-feet-from-gold",24,"Three Feet from Gold","The story goes that a miner quit and sold his rig, and the buyer struck the vein three feet further down","Persistence",{"stage":659,"step":687,"id":836,"path":837,"node":838,"title":839,"subtitle":840,"topic":841,"track":759},"regret-runs-backwards","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fregret-runs-backwards",25,"Regret Runs Backwards","In the long run, people regret what they didn't try","Regret",{"stage":659,"step":693,"id":843,"path":844,"node":845,"title":846,"subtitle":847,"topic":848,"track":800},"why-founders-form-an-llc","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fwhy-founders-form-an-llc",26,"Why Founders Form an LLC","A wall between the business and your house","Business Structures",{"stage":659,"step":699,"id":850,"path":851,"node":852,"title":853,"subtitle":854,"topic":855,"track":800},"the-ice-king","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fthe-ice-king",27,"The Ice King","A man shipped New England ice to the tropics and everyone laughed","Founders",[857,858],{"track":800,"count":693},{"track":759,"count":634},{"zone":667,"title":860,"path":861,"tier":634,"theme":862,"lessons":867,"topics":930},"Budgeting Basics","\u002Flearn\u002F4\u002Fbudgeting-basics",{"key":863,"name":864,"light":865,"dark":866},"market-bazaar","Market Bazaar","#be185d","#d9327a",[868,876,882,889,896,903,910,917,923],{"stage":667,"step":634,"id":869,"path":870,"node":871,"title":872,"subtitle":873,"topic":874,"track":875},"needs-wants-and-the-gray-zone","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fneeds-wants-and-the-gray-zone",28,"Needs, Wants and the Gray Zone","Rent is a need. A bigger apartment might not be","Budgeting","Spending & Budgeting",{"stage":667,"step":651,"id":877,"path":878,"node":879,"title":880,"subtitle":881,"topic":874,"track":875},"the-50-30-20-budget","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-50-30-20-budget",29,"The 50\u002F30\u002F20 Budget","Half for needs, a third for wants, a fifth for the future",{"stage":667,"step":659,"id":883,"path":884,"node":885,"title":886,"subtitle":887,"topic":888,"track":875},"why-prices-end-in-99","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fwhy-prices-end-in-99",30,"Why Prices End in .99","$4.99 feels a lot cheaper than $5.00","Pricing",{"stage":667,"step":667,"id":890,"path":891,"node":892,"title":893,"subtitle":894,"topic":895,"track":875},"the-subscriptions-that-never-sleep","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-subscriptions-that-never-sleep",31,"The Subscriptions That Never Sleep","Small monthly charges add up to a big yearly bill","Recurring Costs",{"stage":667,"step":674,"id":897,"path":898,"node":899,"title":900,"subtitle":901,"topic":902,"track":759},"the-pain-of-paying","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-pain-of-paying",32,"The Pain of Paying","Cards hurt less than cash, so we spend more","Spending Psychology",{"stage":667,"step":681,"id":904,"path":905,"node":906,"title":907,"subtitle":908,"topic":909,"track":875},"the-marshmallow-test","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-marshmallow-test",33,"The Marshmallow Test","Kids offered one treat now or two later showed how hard waiting is, and later studies found the setting matters as much as willpower","Delayed Gratification",{"stage":667,"step":687,"id":911,"path":912,"node":913,"title":914,"subtitle":915,"topic":916,"track":875},"cost-per-use","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fcost-per-use",34,"Cost Per Use","A $200 coat you wear daily can cost less than a $40 one you never do","Smart Spending",{"stage":667,"step":693,"id":918,"path":919,"node":920,"title":921,"subtitle":922,"topic":874,"track":875},"where-did-my-month-go","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fwhere-did-my-month-go",35,"Where Did My Month Go?","Your spending, drawn as a picture",{"stage":667,"step":699,"id":924,"path":925,"node":926,"title":927,"subtitle":928,"topic":929,"track":875},"the-gruen-transfer","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-gruen-transfer",36,"The Gruen Transfer","Malls are designed to make you forget why you came","Retail Design",[931,932],{"track":875,"count":693},{"track":759,"count":634},{"zone":674,"title":934,"path":935,"tier":634,"theme":936,"lessons":941,"topics":1000},"Compound Interest","\u002Flearn\u002F5\u002Fcompound-interest",{"key":937,"name":938,"light":939,"dark":940},"compound-gardens","Compound Gardens","#4d7c0f","#5f9410",[942,949,956,962,968,974,980,987,994],{"stage":674,"step":634,"id":943,"path":944,"node":945,"title":946,"subtitle":947,"topic":948,"track":774},"pay-yourself-first","\u002Flearn\u002F5\u002Fcompound-interest\u002Fpay-yourself-first",37,"Pay Yourself First","Save before you spend, not after","Saving",{"stage":674,"step":651,"id":950,"path":951,"node":952,"title":953,"subtitle":954,"topic":955,"track":774},"simple-interest","\u002Flearn\u002F5\u002Fcompound-interest\u002Fsimple-interest",38,"Simple Interest","Interest paid only on what you put in","Interest",{"stage":674,"step":659,"id":957,"path":958,"node":959,"title":960,"subtitle":961,"topic":934,"track":774},"interest-on-interest","\u002Flearn\u002F5\u002Fcompound-interest\u002Finterest-on-interest",39,"Interest on Interest","Compound interest turns a straight line into a curve",{"stage":674,"step":667,"id":963,"path":964,"node":965,"title":966,"subtitle":967,"topic":934,"track":774},"the-rule-of-72","\u002Flearn\u002F5\u002Fcompound-interest\u002Fthe-rule-of-72",40,"The Rule of 72","Divide 72 by the rate to see how fast money doubles",{"stage":674,"step":674,"id":969,"path":970,"node":971,"title":972,"subtitle":973,"topic":934,"track":774},"einstein-never-said-it","\u002Flearn\u002F5\u002Fcompound-interest\u002Feinstein-never-said-it",41,"Einstein Never Said It","The 'eighth wonder of the world' quote has no source",{"stage":674,"step":681,"id":975,"path":976,"node":977,"title":978,"subtitle":979,"topic":934,"track":774},"start-at-20-or-at-30","\u002Flearn\u002F5\u002Fcompound-interest\u002Fstart-at-20-or-at-30",42,"Start at 20 or at 30?","Ten years of waiting can cost more than ten years of saving",{"stage":674,"step":687,"id":981,"path":982,"node":983,"title":984,"subtitle":985,"topic":986,"track":774},"franklins-200-year-gift","\u002Flearn\u002F5\u002Fcompound-interest\u002Ffranklins-200-year-gift",43,"Franklin's 200-Year Gift","Benjamin Franklin left £1,000 to Boston to grow for 200 years; by 1990 it was worth millions","Patience",{"stage":674,"step":693,"id":988,"path":989,"node":990,"title":991,"subtitle":992,"topic":993,"track":759},"future-you-is-a-stranger","\u002Flearn\u002F5\u002Fcompound-interest\u002Ffuture-you-is-a-stranger",44,"Future You Is a Stranger","Your brain treats your older self like someone else","Saving Psychology",{"stage":674,"step":699,"id":995,"path":996,"node":997,"title":998,"subtitle":999,"topic":948,"track":774},"the-emergency-fund","\u002Flearn\u002F5\u002Fcompound-interest\u002Fthe-emergency-fund",45,"The Emergency Fund","Cash that turns a crisis into an inconvenience",[1001,1002],{"track":774,"count":693},{"track":759,"count":634},{"zone":681,"title":1004,"path":1005,"tier":634,"theme":1006,"lessons":1011,"topics":1073},"Debt & Credit","\u002Flearn\u002F6\u002Fdebt-and-credit",{"key":1007,"name":1008,"light":1009,"dark":1010},"debt-canyon","Debt Canyon","#b42318","#d63b2f",[1012,1020,1026,1033,1039,1046,1052,1059,1066],{"stage":681,"step":634,"id":1013,"path":1014,"node":1015,"title":1016,"subtitle":1017,"topic":1018,"track":1019},"borrowing-is-renting-money","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fborrowing-is-renting-money",46,"Borrowing Is Renting Money","Interest is the rent you pay to use someone else's money","Debt","Borrowing, Credit & Debt",{"stage":681,"step":651,"id":1021,"path":1022,"node":1023,"title":1024,"subtitle":1025,"topic":1018,"track":1019},"apr-the-real-price-of-a-loan","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fapr-the-real-price-of-a-loan",47,"APR: The Real Price of a Loan","One number to compare every loan",{"stage":681,"step":659,"id":1027,"path":1028,"node":1029,"title":1030,"subtitle":1031,"topic":1032,"track":1019},"the-dinner-that-probably-never-happened","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fthe-dinner-that-probably-never-happened",48,"The Dinner That Probably Never Happened","The famous origin of the credit card was a sales story","Credit Cards",{"stage":681,"step":667,"id":1034,"path":1035,"node":1036,"title":1037,"subtitle":1038,"topic":1032,"track":1019},"the-minimum-payment-trap","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fthe-minimum-payment-trap",49,"The Minimum Payment Trap","Paying the minimum can stretch a card balance over many years",{"stage":681,"step":674,"id":1040,"path":1041,"node":1042,"title":1043,"subtitle":1044,"topic":1045,"track":1019},"the-debt-payoff-race","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fthe-debt-payoff-race",50,"The Debt Payoff Race","Smallest balance first or highest rate first?","Debt Payoff",{"stage":681,"step":681,"id":1047,"path":1048,"node":1049,"title":1050,"subtitle":1051,"topic":1018,"track":1019},"what-debt-buys","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fwhat-debt-buys",51,"What Debt Buys","Borrowing for things that grow versus things that shrink",{"stage":681,"step":687,"id":1053,"path":1054,"node":1055,"title":1056,"subtitle":1057,"topic":1058,"track":759},"present-bias","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fpresent-bias",52,"Present Bias","Today always feels more real than tomorrow","Borrowing Psychology",{"stage":681,"step":693,"id":1060,"path":1061,"node":1062,"title":1063,"subtitle":1064,"topic":1065,"track":1019},"twain-pays-it-all-back","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Ftwain-pays-it-all-back",53,"Twain Pays It All Back","Mark Twain went bankrupt on a typesetting machine and toured the world on stage to repay every creditor in full","Integrity",{"stage":681,"step":699,"id":1067,"path":1068,"node":1069,"title":1070,"subtitle":1071,"topic":1072,"track":1019},"your-credit-score","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fyour-credit-score",54,"Your Credit Score","A three-digit number that prices your next loan","Credit",[1074,1075],{"track":1019,"count":693},{"track":759,"count":634},{"zone":687,"title":1077,"path":1078,"tier":634,"theme":1079,"lessons":1084,"topics":1147},"How Banks Work","\u002Flearn\u002F7\u002Fhow-banks-work",{"key":1080,"name":1081,"light":1082,"dark":1083},"vault-district","Vault District","#0f766e","#0d8f86",[1085,1092,1098,1105,1112,1119,1126,1133,1140],{"stage":687,"step":634,"id":1086,"path":1087,"node":1088,"title":1089,"subtitle":1090,"topic":1091,"track":649},"what-a-bank-really-is","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fwhat-a-bank-really-is",55,"What a Bank Really Is","A middleman between savers and borrowers","Banking",{"stage":687,"step":651,"id":1093,"path":1094,"node":1095,"title":1096,"subtitle":1097,"topic":1091,"track":649},"most-of-it-isnt-there","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fmost-of-it-isnt-there",56,"Most of It Isn't There","Banks keep only a slice of deposits on hand",{"stage":687,"step":659,"id":1099,"path":1100,"node":1101,"title":1102,"subtitle":1103,"topic":1104,"track":649},"the-vault-nobody-visits","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fthe-vault-nobody-visits",57,"The Vault Nobody Visits","Fort Knox holds about half of America's gold","Gold Reserves",{"stage":687,"step":667,"id":1106,"path":1107,"node":1108,"title":1109,"subtitle":1110,"topic":1111,"track":649},"why-your-deposit-is-safe","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fwhy-your-deposit-is-safe",58,"Why Your Deposit Is Safe","The FDIC has your back up to $250,000","Deposit Insurance",{"stage":687,"step":674,"id":1113,"path":1114,"node":1115,"title":1116,"subtitle":1117,"topic":1118,"track":649},"twenty-seven-dollars","\u002Flearn\u002F7\u002Fhow-banks-work\u002Ftwenty-seven-dollars",59,"Twenty-Seven Dollars","Muhammad Yunus paid $27 to free 42 villagers, and it grew into a bank for millions","Trust",{"stage":687,"step":681,"id":1120,"path":1121,"node":1122,"title":1123,"subtitle":1124,"topic":1125,"track":649},"the-fed-sets-the-price-of-money","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fthe-fed-sets-the-price-of-money",60,"The Fed Sets the Price of Money","One rate in Washington ripples into your loans","Central Banks",{"stage":687,"step":687,"id":1127,"path":1128,"node":1129,"title":1130,"subtitle":1131,"topic":1132,"track":649},"banks-just-lend-out-savings","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fbanks-just-lend-out-savings",61,"Banks Just Lend Out Savings","When a bank makes a loan, it creates new money","Money Creation",{"stage":687,"step":693,"id":1134,"path":1135,"node":1136,"title":1137,"subtitle":1138,"topic":1139,"track":649},"the-savings-account-gap","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fthe-savings-account-gap",62,"The Savings Account Gap","The same money can earn hundreds of times more one tap away","Savings Accounts",{"stage":687,"step":699,"id":1141,"path":1142,"node":1143,"title":1144,"subtitle":1145,"topic":1146,"track":759},"mental-accounting","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fmental-accounting",63,"Mental Accounting","A dollar is a dollar, but we don't treat it that way","Behavioral Economics",[1148,1149],{"track":649,"count":693},{"track":759,"count":634},{"zone":693,"title":1151,"path":1152,"tier":634,"theme":1153,"lessons":1158,"topics":1219},"Inflation Basics","\u002Flearn\u002F8\u002Finflation-basics",{"key":1154,"name":1155,"light":1156,"dark":1157},"balloon-heights","Balloon Heights","#6d30dc","#8556ee",[1159,1167,1174,1180,1186,1192,1198,1205,1212],{"stage":693,"step":634,"id":1160,"path":1161,"node":1162,"title":1163,"subtitle":1164,"topic":1165,"track":1166},"why-a-dollar-buys-less","\u002Flearn\u002F8\u002Finflation-basics\u002Fwhy-a-dollar-buys-less",64,"Why a Dollar Buys Less","Prices creep up nearly every year","Inflation","Inflation & the Economy",{"stage":693,"step":651,"id":1168,"path":1169,"node":1170,"title":1171,"subtitle":1172,"topic":1173,"track":1166},"the-5-cent-coke","\u002Flearn\u002F8\u002Finflation-basics\u002Fthe-5-cent-coke",65,"The 5-Cent Coke","A bottle of Coca-Cola cost a nickel for over 70 years","Prices",{"stage":693,"step":659,"id":1175,"path":1176,"node":1177,"title":1178,"subtitle":1179,"topic":1165,"track":1166},"your-money-in-20-years","\u002Flearn\u002F8\u002Finflation-basics\u002Fyour-money-in-20-years",66,"Your Money in 20 Years","What today's savings will really buy later",{"stage":693,"step":667,"id":1181,"path":1182,"node":1183,"title":1184,"subtitle":1185,"topic":1165,"track":1166},"what-causes-inflation","\u002Flearn\u002F8\u002Finflation-basics\u002Fwhat-causes-inflation",67,"What Causes Inflation","Too much money chasing too few goods, and other reasons",{"stage":693,"step":674,"id":1187,"path":1188,"node":1189,"title":1190,"subtitle":1191,"topic":1165,"track":1166},"real-and-nominal","\u002Flearn\u002F8\u002Finflation-basics\u002Freal-and-nominal",68,"Real and Nominal","The number you see and what it's really worth",{"stage":693,"step":681,"id":1193,"path":1194,"node":1195,"title":1196,"subtitle":1197,"topic":1125,"track":1166},"zero-inflation-is-the-goal","\u002Flearn\u002F8\u002Finflation-basics\u002Fzero-inflation-is-the-goal",69,"Zero Inflation Is the Goal","The Fed aims for about 2% on purpose",{"stage":693,"step":687,"id":1199,"path":1200,"node":1201,"title":1202,"subtitle":1203,"topic":1204,"track":1166},"the-wheelbarrow-of-marks","\u002Flearn\u002F8\u002Finflation-basics\u002Fthe-wheelbarrow-of-marks",70,"The Wheelbarrow of Marks","In 1923 Germany, prices doubled every few days and a lifetime of savings turned into paper","Value",{"stage":693,"step":693,"id":1206,"path":1207,"node":1208,"title":1209,"subtitle":1210,"topic":1211,"track":1166},"gdp-the-size-of-the-pie","\u002Flearn\u002F8\u002Finflation-basics\u002Fgdp-the-size-of-the-pie",71,"GDP: The Size of the Pie","Everything a country makes in a year, in one number","The Economy",{"stage":693,"step":699,"id":1213,"path":1214,"node":1215,"title":1216,"subtitle":1217,"topic":1218,"track":1166},"the-big-mac-index","\u002Flearn\u002F8\u002Finflation-basics\u002Fthe-big-mac-index",72,"The Big Mac Index","A burger that compares the world's currencies","Currencies",[1220],{"track":1166,"count":699},{"zone":699,"title":1222,"path":1223,"tier":634,"theme":1224,"lessons":1229,"topics":1291},"Risk & Insurance","\u002Flearn\u002F9\u002Frisk-and-insurance",{"key":1225,"name":1226,"light":1227,"dark":1228},"safety-net-cove","Safety Net Cove","#0369a1","#0a82c4",[1230,1238,1245,1252,1258,1265,1272,1278,1284],{"stage":699,"step":634,"id":1231,"path":1232,"node":1233,"title":1234,"subtitle":1235,"topic":1236,"track":1237},"risk-and-reward-travel-together","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Frisk-and-reward-travel-together",73,"Risk and Reward Travel Together","Higher possible gains come with bigger possible losses","Risk","Risk, Insurance & Probability",{"stage":699,"step":651,"id":1239,"path":1240,"node":1241,"title":1242,"subtitle":1243,"topic":1244,"track":1237},"insurance-sharing-bad-luck","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Finsurance-sharing-bad-luck",74,"Insurance: Sharing Bad Luck","Many people pay a little so a few aren't ruined","Insurance",{"stage":699,"step":659,"id":1246,"path":1247,"node":1248,"title":1249,"subtitle":1250,"topic":1251,"track":1237},"why-the-house-always-wins","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fwhy-the-house-always-wins",75,"Why the House Always Wins","Roulette's green zeros pay the casino","Probability",{"stage":699,"step":667,"id":1253,"path":1254,"node":1255,"title":1256,"subtitle":1257,"topic":1251,"track":1237},"expected-value","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fexpected-value",76,"Expected Value","What a bet is worth on average",{"stage":699,"step":674,"id":1259,"path":1260,"node":1261,"title":1262,"subtitle":1263,"topic":1264,"track":1237},"the-lottery-is-worth-a-shot","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fthe-lottery-is-worth-a-shot",77,"The Lottery Is Worth a Shot","A Powerball ticket loses money on average","Lotteries",{"stage":699,"step":681,"id":1266,"path":1267,"node":1268,"title":1269,"subtitle":1270,"topic":1271,"track":759},"losses-hurt-twice-as-much","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Flosses-hurt-twice-as-much",78,"Losses Hurt Twice as Much","Losing $100 stings more than winning $100 feels good","Loss Aversion",{"stage":699,"step":687,"id":1273,"path":1274,"node":1275,"title":1276,"subtitle":1277,"topic":1244,"track":1237},"premiums-and-deductibles","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fpremiums-and-deductibles",79,"Premiums and Deductibles","What you pay every month and what you pay when it happens",{"stage":699,"step":693,"id":1279,"path":1280,"node":1281,"title":1282,"subtitle":1283,"topic":1256,"track":1237},"is-the-warranty-worth-it","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fis-the-warranty-worth-it",80,"Is the Warranty Worth It?","Price the extended warranty with real odds",{"stage":699,"step":699,"id":1285,"path":1286,"node":1287,"title":1288,"subtitle":1289,"topic":1290,"track":1237},"the-farmers-lost-horse","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fthe-farmers-lost-horse",81,"The Farmer's Lost Horse","In an old Chinese parable, each piece of bad luck turns out good, and each piece of good luck turns out bad","Uncertainty",[1292,1293],{"track":1237,"count":693},{"track":759,"count":634},{"zone":721,"title":1295,"path":1296,"tier":634,"theme":1297,"lessons":1302,"topics":1363},"Stock Basics","\u002Flearn\u002F10\u002Fstock-basics",{"key":1298,"name":1299,"light":1300,"dark":1301},"bull-ridge","Bull Ridge","#9a5b06","#b86e08",[1303,1311,1317,1324,1330,1337,1343,1350,1356],{"stage":721,"step":634,"id":1304,"path":1305,"node":1306,"title":1307,"subtitle":1308,"topic":1309,"track":1310},"a-share-is-a-slice-of-a-company","\u002Flearn\u002F10\u002Fstock-basics\u002Fa-share-is-a-slice-of-a-company",82,"A Share Is a Slice of a Company","Own a share, own a piece of everything it does","Stocks","Stocks & Companies",{"stage":721,"step":651,"id":1312,"path":1313,"node":1314,"title":1315,"subtitle":1316,"topic":1309,"track":1310},"how-shareholders-get-paid","\u002Flearn\u002F10\u002Fstock-basics\u002Fhow-shareholders-get-paid",83,"How Shareholders Get Paid","Dividends and a rising price",{"stage":721,"step":659,"id":1318,"path":1319,"node":1320,"title":1321,"subtitle":1322,"topic":1323,"track":1310},"the-buttonwood-agreement","\u002Flearn\u002F10\u002Fstock-basics\u002Fthe-buttonwood-agreement",84,"The Buttonwood Agreement","Wall Street began under a tree","Stock Markets",{"stage":721,"step":667,"id":1325,"path":1326,"node":1327,"title":1328,"subtitle":1329,"topic":1323,"track":1310},"why-prices-move","\u002Flearn\u002F10\u002Fstock-basics\u002Fwhy-prices-move",85,"Why Prices Move","A share is worth what someone will pay",{"stage":721,"step":674,"id":1331,"path":1332,"node":1333,"title":1334,"subtitle":1335,"topic":1336,"track":1310},"100-a-month-in-the-market","\u002Flearn\u002F10\u002Fstock-basics\u002F100-a-month-in-the-market",86,"$100 a Month in the Market","What steady investing did over US history","Investing",{"stage":721,"step":681,"id":1338,"path":1339,"node":1340,"title":1341,"subtitle":1342,"topic":1336,"track":1310},"you-need-a-lot-to-invest","\u002Flearn\u002F10\u002Fstock-basics\u002Fyou-need-a-lot-to-invest",87,"You Need a Lot to Invest","Fractional shares let you start with a dollar",{"stage":721,"step":687,"id":1344,"path":1345,"node":1346,"title":1347,"subtitle":1348,"topic":1349,"track":1310},"owner-or-only-worker","\u002Flearn\u002F10\u002Fstock-basics\u002Fowner-or-only-worker",88,"Owner or Only Worker?","Employees earn wages; owners earn from everyone's work","Ownership",{"stage":721,"step":693,"id":1351,"path":1352,"node":1353,"title":1354,"subtitle":1355,"topic":986,"track":1310},"buffetts-first-stock","\u002Flearn\u002F10\u002Fstock-basics\u002Fbuffetts-first-stock",89,"Buffett's First Stock","At 11, Warren Buffett bought three shares at $38, sold at $40, and watched them climb to about $200",{"stage":721,"step":699,"id":1357,"path":1358,"node":1359,"title":1360,"subtitle":1361,"topic":1362,"track":759},"selling-winners-keeping-losers","\u002Flearn\u002F10\u002Fstock-basics\u002Fselling-winners-keeping-losers",90,"Selling Winners, Keeping Losers","We cash in gains too fast and hold losses too long","Investor Behavior",[1364,1365],{"track":1310,"count":693},{"track":759,"count":634},{"zone":728,"title":1367,"path":1368,"tier":634,"theme":1369,"lessons":1374,"topics":1437},"Bond Basics","\u002Flearn\u002F11\u002Fbond-basics",{"key":1370,"name":1371,"light":1372,"dark":1373},"bond-bridge","Bond Bridge","#4f46e5","#6a6af2",[1375,1383,1389,1396,1402,1409,1416,1423,1430],{"stage":728,"step":634,"id":1376,"path":1377,"node":1378,"title":1379,"subtitle":1380,"topic":1381,"track":1382},"a-bond-is-an-iou","\u002Flearn\u002F11\u002Fbond-basics\u002Fa-bond-is-an-iou",91,"A Bond Is an IOU","Lend money, get paid back with interest","Bonds","Bonds & Interest Rates",{"stage":728,"step":651,"id":1384,"path":1385,"node":1386,"title":1387,"subtitle":1388,"topic":1381,"track":1382},"coupon-maturity-face-value","\u002Flearn\u002F11\u002Fbond-basics\u002Fcoupon-maturity-face-value",92,"Coupon, Maturity, Face Value","The three numbers on every bond",{"stage":728,"step":659,"id":1390,"path":1391,"node":1392,"title":1393,"subtitle":1394,"topic":1395,"track":1382},"buy-a-bond-win-a-war","\u002Flearn\u002F11\u002Fbond-basics\u002Fbuy-a-bond-win-a-war",93,"Buy a Bond, Win a War","Tens of millions of Americans lent money for World War II","History of Bonds",{"stage":728,"step":667,"id":1397,"path":1398,"node":1399,"title":1400,"subtitle":1401,"topic":1381,"track":1382},"who-borrows-with-bonds","\u002Flearn\u002F11\u002Fbond-basics\u002Fwho-borrows-with-bonds",94,"Who Borrows With Bonds","Governments, cities and companies",{"stage":728,"step":674,"id":1403,"path":1404,"node":1405,"title":1406,"subtitle":1407,"topic":1408,"track":1382},"the-bond-seesaw","\u002Flearn\u002F11\u002Fbond-basics\u002Fthe-bond-seesaw",95,"The Bond Seesaw","When rates rise, existing bond prices fall","Interest Rates",{"stage":728,"step":681,"id":1410,"path":1411,"node":1412,"title":1413,"subtitle":1414,"topic":1415,"track":1382},"the-375-year-old-bond","\u002Flearn\u002F11\u002Fbond-basics\u002Fthe-375-year-old-bond",96,"A Bond Older Than America","A Dutch water-board bond from 1648 still pays interest to Yale today","Promises",{"stage":728,"step":687,"id":1417,"path":1418,"node":1419,"title":1420,"subtitle":1421,"topic":1422,"track":1382},"bonds-cant-lose-money","\u002Flearn\u002F11\u002Fbond-basics\u002Fbonds-cant-lose-money",97,"Bonds Can't Lose Money","In 2022, US bonds had one of their worst years on record","Bond Risk",{"stage":728,"step":693,"id":1424,"path":1425,"node":1426,"title":1427,"subtitle":1428,"topic":1429,"track":1382},"the-king-who-kept-defaulting","\u002Flearn\u002F11\u002Fbond-basics\u002Fthe-king-who-kept-defaulting",98,"The King Who Kept Defaulting","Philip II of Spain didn't pay his debts four times","Sovereign Debt",{"stage":728,"step":699,"id":1431,"path":1432,"node":1433,"title":1434,"subtitle":1435,"topic":1436,"track":759},"the-price-of-certainty","\u002Flearn\u002F11\u002Fbond-basics\u002Fthe-price-of-certainty",99,"The Price of Certainty","We pay extra to make a risk disappear completely","Risk Psychology",[1438,1439],{"track":1382,"count":693},{"track":759,"count":634},{"zone":735,"title":1441,"path":1442,"tier":634,"theme":1443,"lessons":1448,"topics":1509},"Index Funds","\u002Flearn\u002F12\u002Findex-funds",{"key":1444,"name":1445,"light":1446,"dark":1447},"index-isles","Index Isles","#0e7490","#0b8bab",[1449,1457,1464,1470,1476,1483,1490,1497,1503],{"stage":735,"step":634,"id":1450,"path":1451,"node":1452,"title":1453,"subtitle":1454,"topic":1455,"track":1456},"a-basket-instead-of-one-egg","\u002Flearn\u002F12\u002Findex-funds\u002Fa-basket-instead-of-one-egg",100,"A Basket Instead of One Egg","A fund holds many investments at once","Funds","Funds & Indices",{"stage":735,"step":651,"id":1458,"path":1459,"node":1460,"title":1461,"subtitle":1462,"topic":1463,"track":1456},"what-an-index-is","\u002Flearn\u002F12\u002Findex-funds\u002Fwhat-an-index-is",101,"What an Index Is","A list that stands in for the whole market","Indices",{"stage":735,"step":659,"id":1465,"path":1466,"node":1467,"title":1468,"subtitle":1469,"topic":1463,"track":1456},"the-dow-started-with-12","\u002Flearn\u002F12\u002Findex-funds\u002Fthe-dow-started-with-12",102,"The Dow Started With 12","Only one original member lasted into this century",{"stage":735,"step":667,"id":1471,"path":1472,"node":1473,"title":1474,"subtitle":1475,"topic":1455,"track":1456},"active-and-passive-funds","\u002Flearn\u002F12\u002Findex-funds\u002Factive-and-passive-funds",103,"Active and Passive Funds","Picking stocks or buying the whole list",{"stage":735,"step":674,"id":1477,"path":1478,"node":1479,"title":1480,"subtitle":1481,"topic":1482,"track":1456},"what-1-costs-over-a-lifetime","\u002Flearn\u002F12\u002Findex-funds\u002Fwhat-1-costs-over-a-lifetime",104,"What 1% Costs Over a Lifetime","A small fee can take a big slice of the result","Fees",{"stage":735,"step":681,"id":1484,"path":1485,"node":1486,"title":1487,"subtitle":1488,"topic":1489,"track":1456},"most-pros-beat-the-market","\u002Flearn\u002F12\u002Findex-funds\u002Fmost-pros-beat-the-market",105,"Most Pros Beat the Market","Over 15 years, most US stock funds trailed the S&P 500","Active Management",{"stage":735,"step":687,"id":1491,"path":1492,"node":1493,"title":1494,"subtitle":1495,"topic":1496,"track":1456},"buffetts-million-dollar-bet","\u002Flearn\u002F12\u002Findex-funds\u002Fbuffetts-million-dollar-bet",106,"Buffett's Million-Dollar Bet","A plain index fund beat a hand-picked set of hedge funds over ten years","Simplicity",{"stage":735,"step":693,"id":1498,"path":1499,"node":1500,"title":1501,"subtitle":1502,"topic":1455,"track":1456},"etfs-and-mutual-funds","\u002Flearn\u002F12\u002Findex-funds\u002Fetfs-and-mutual-funds",107,"ETFs and Mutual Funds","Two wrappers for the same basket",{"stage":735,"step":699,"id":1504,"path":1505,"node":1506,"title":1507,"subtitle":1508,"topic":1362,"track":759},"doing-nothing-is-hard","\u002Flearn\u002F12\u002Findex-funds\u002Fdoing-nothing-is-hard",108,"Doing Nothing Is Hard","People who traded the most earned the least",[1510,1511],{"track":1456,"count":693},{"track":759,"count":634},{"zone":741,"title":1513,"path":1514,"tier":634,"theme":1515,"lessons":1520,"topics":1580},"Rent or Buy","\u002Flearn\u002F13\u002Frent-or-buy",{"key":1516,"name":1517,"light":1518,"dark":1519},"brick-bay","Brick Bay","#a63f12","#c4511c",[1521,1529,1536,1542,1548,1554,1561,1567,1573],{"stage":741,"step":634,"id":1522,"path":1523,"node":1524,"title":1525,"subtitle":1526,"topic":1527,"track":1528},"rent-or-own-what-you-pay-for","\u002Flearn\u002F13\u002Frent-or-buy\u002Frent-or-own-what-you-pay-for",109,"Rent or Own: What You Pay For","Both cost money you never get back","Housing","Real 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interest",{"stage":741,"step":674,"id":1549,"path":1550,"node":1551,"title":1552,"subtitle":1553,"topic":1535,"track":1528},"what-a-home-really-costs","\u002Flearn\u002F13\u002Frent-or-buy\u002Fwhat-a-home-really-costs",113,"What a Home Really Costs","The price tag versus everything you pay",{"stage":741,"step":681,"id":1555,"path":1556,"node":1557,"title":1558,"subtitle":1559,"topic":1560,"track":1528},"down-payments-and-equity","\u002Flearn\u002F13\u002Frent-or-buy\u002Fdown-payments-and-equity",114,"Down Payments and Equity","The part of the house that's really yours","Home Equity",{"stage":741,"step":687,"id":1562,"path":1563,"node":1564,"title":1565,"subtitle":1566,"topic":1527,"track":1528},"renting-is-throwing-money-away","\u002Flearn\u002F13\u002Frent-or-buy\u002Frenting-is-throwing-money-away",115,"Renting Is Throwing Money Away","Owners have money they never get back too",{"stage":741,"step":693,"id":1568,"path":1569,"node":1570,"title":1571,"subtitle":1572,"topic":1349,"track":1528},"the-landlords-game","\u002Flearn\u002F13\u002Frent-or-buy\u002Fthe-landlords-game",116,"The Landlord's Game","Lizzie Magie invented the game that became Monopoly, to show how owning land pulls in everyone's rent, and was paid $500",{"stage":741,"step":699,"id":1574,"path":1575,"node":1576,"title":1577,"subtitle":1578,"topic":1579,"track":1528},"getting-paid-by-a-building","\u002Flearn\u002F13\u002Frent-or-buy\u002Fgetting-paid-by-a-building",117,"Getting Paid by a Building","How rental income works","Rental Property",[1581],{"track":1528,"count":699},{"zone":748,"title":1583,"path":1584,"tier":634,"theme":1585,"lessons":1590,"topics":1654},"Crypto Basics","\u002Flearn\u002F14\u002Fcrypto-basics",{"key":1586,"name":1587,"light":1588,"dark":1589},"block-mesa","Block Mesa","#7e22ce","#9638e6",[1591,1599,1606,1613,1620,1627,1634,1641,1648],{"stage":748,"step":634,"id":1592,"path":1593,"node":1594,"title":1595,"subtitle":1596,"topic":1597,"track":1598},"money-without-a-bank","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fmoney-without-a-bank",118,"Money Without a Bank","Bitcoin moves value with no one in the middle","Cryptocurrency","Crypto & Digital Money",{"stage":748,"step":651,"id":1600,"path":1601,"node":1602,"title":1603,"subtitle":1604,"topic":1605,"track":1598},"the-shared-notebook","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fthe-shared-notebook",119,"The Shared Notebook","A blockchain is a record everyone keeps a copy of","Blockchain",{"stage":748,"step":659,"id":1607,"path":1608,"node":1609,"title":1610,"subtitle":1611,"topic":1612,"track":1598},"nobody-knows-who-made-bitcoin","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fnobody-knows-who-made-bitcoin",120,"Nobody Knows Who Made Bitcoin","Its creator vanished and left a fortune untouched","Crypto History",{"stage":748,"step":667,"id":1614,"path":1615,"node":1616,"title":1617,"subtitle":1618,"topic":1619,"track":1598},"why-only-21-million","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fwhy-only-21-million",121,"Why Only 21 Million","A money supply fixed in code","Bitcoin Supply",{"stage":748,"step":674,"id":1621,"path":1622,"node":1623,"title":1624,"subtitle":1625,"topic":1626,"track":1598},"keys-and-wallets","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fkeys-and-wallets",122,"Keys and Wallets","Whoever holds the key holds the coins","Crypto Security",{"stage":748,"step":681,"id":1628,"path":1629,"node":1630,"title":1631,"subtitle":1632,"topic":1633,"track":1598},"the-10-000-bitcoin-pizza","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fthe-10-000-bitcoin-pizza",123,"The 10,000-Bitcoin Pizza","In 2010 a programmer bought two pizzas with coins later worth hundreds of millions","Hindsight",{"stage":748,"step":687,"id":1635,"path":1636,"node":1637,"title":1638,"subtitle":1639,"topic":1640,"track":1598},"crypto-is-anonymous","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fcrypto-is-anonymous",124,"Crypto Is Anonymous","Every bitcoin payment is public forever","Crypto Privacy",{"stage":748,"step":693,"id":1642,"path":1643,"node":1644,"title":1645,"subtitle":1646,"topic":1647,"track":759},"fear-of-missing-out","\u002Flearn\u002F14\u002Fcrypto-basics\u002Ffear-of-missing-out",125,"Fear of Missing Out","Watching others get rich makes us forget the risks","Herding",{"stage":748,"step":699,"id":1649,"path":1650,"node":1651,"title":1652,"subtitle":1653,"topic":1612,"track":1598},"the-coin-that-started-as-a-joke","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fthe-coin-that-started-as-a-joke",126,"The Coin That Started as a Joke","Dogecoin was created to make fun of crypto",[1655,1656],{"track":1598,"count":693},{"track":759,"count":634},{"zone":755,"title":1658,"path":1659,"tier":634,"theme":1660,"lessons":1665,"topics":1727},"Bubbles & Scams","\u002Flearn\u002F15\u002Fbubbles-and-scams",{"key":1661,"name":1662,"light":1663,"dark":1664},"bubble-bay","Bubble Bay","#c0267a","#e04096",[1666,1674,1681,1688,1694,1700,1707,1714,1720],{"stage":755,"step":634,"id":1667,"path":1668,"node":1669,"title":1670,"subtitle":1671,"topic":1672,"track":1673},"what-a-bubble-is","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fwhat-a-bubble-is",127,"What a Bubble Is","When prices float far above what things are worth","Bubbles","Bubbles, Scams & Crashes",{"stage":755,"step":651,"id":1675,"path":1676,"node":1677,"title":1678,"subtitle":1679,"topic":1680,"track":1673},"the-ponzi-shape","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fthe-ponzi-shape",128,"The Ponzi Shape","Old investors are paid with new investors' money","Fraud",{"stage":755,"step":659,"id":1682,"path":1683,"node":1684,"title":1685,"subtitle":1686,"topic":1687,"track":1673},"25-years-to-get-back","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002F25-years-to-get-back",129,"25 Years to Get Back","The Dow didn't reclaim its 1929 peak until 1954","Crashes",{"stage":755,"step":667,"id":1689,"path":1690,"node":1691,"title":1692,"subtitle":1693,"topic":1680,"track":1673},"red-flags-of-a-scam","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fred-flags-of-a-scam",130,"Red Flags of a Scam","Guaranteed, urgent, secret",{"stage":755,"step":674,"id":1695,"path":1696,"node":1697,"title":1698,"subtitle":1699,"topic":1680,"track":1673},"smart-people-dont-get-scammed","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fsmart-people-dont-get-scammed",131,"Smart People Don't Get Scammed","Young adults report losing money to fraud more often than older ones",{"stage":755,"step":681,"id":1701,"path":1702,"node":1703,"title":1704,"subtitle":1705,"topic":1706,"track":1673},"pump-and-dump","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fpump-and-dump",132,"Pump and Dump","Hype a stock, sell it to the crowd, disappear","Market Manipulation",{"stage":755,"step":687,"id":1708,"path":1709,"node":1710,"title":1711,"subtitle":1712,"topic":1713,"track":1673},"tulip-mania","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Ftulip-mania",133,"Tulip Mania","Dutch traders bid single tulip bulbs up to fantasy prices, though the crash was smaller than the legend says","Crowds",{"stage":755,"step":693,"id":1715,"path":1716,"node":1717,"title":1718,"subtitle":1719,"topic":1647,"track":759},"following-the-herd","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Ffollowing-the-herd",134,"Following the Herd","We trust a crowd even when it's wrong",{"stage":755,"step":699,"id":1721,"path":1722,"node":1723,"title":1724,"subtitle":1725,"topic":1726,"track":1673},"ponzi-wasnt-first","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fponzi-wasnt-first",135,"Ponzi Wasn't First","A Boston woman ran the same scheme 40 years earlier","Fraud History",[1728,1729],{"track":1673,"count":693},{"track":759,"count":634},{"zone":763,"title":1731,"path":1732,"tier":634,"theme":1733,"lessons":1738,"topics":1800},"Money & Happiness","\u002Flearn\u002F16\u002Fmoney-and-happiness",{"key":1734,"name":1735,"light":1736,"dark":1737},"mind-maze","Mind Maze","#8a5a00","#a86e04",[1739,1746,1753,1759,1765,1772,1779,1786,1793],{"stage":763,"step":634,"id":1740,"path":1741,"node":1742,"title":1743,"subtitle":1744,"topic":1745,"track":759},"scarcity-shrinks-your-bandwidth","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fscarcity-shrinks-your-bandwidth",136,"Scarcity Shrinks Your Bandwidth","Money worries use up mental space","Scarcity",{"stage":763,"step":651,"id":1747,"path":1748,"node":1749,"title":1750,"subtitle":1751,"topic":1752,"track":759},"your-money-story","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fyour-money-story",137,"Your Money Story","What you learned about money as a kid still runs the show","Money Beliefs",{"stage":763,"step":659,"id":1754,"path":1755,"node":1756,"title":1757,"subtitle":1758,"topic":758,"track":759},"does-winning-the-lottery-make-you-happy","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fdoes-winning-the-lottery-make-you-happy",138,"Does Winning the Lottery Make You Happy?","The famous 'miserable winners' study was tiny",{"stage":763,"step":667,"id":1760,"path":1761,"node":1762,"title":1763,"subtitle":1764,"topic":758,"track":759},"money-and-happiness","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fmoney-and-happiness",139,"Money and Happiness","More money helps, up to a point and beyond it",{"stage":763,"step":674,"id":1766,"path":1767,"node":1768,"title":1769,"subtitle":1770,"topic":1771,"track":759},"if-then-plans","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fif-then-plans",140,"If-Then Plans","Deciding the moment in advance makes goals stick","Goals",{"stage":763,"step":681,"id":1773,"path":1774,"node":1775,"title":1776,"subtitle":1777,"topic":1778,"track":759},"one-percent-better","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fone-percent-better",141,"One Percent Better","Tiny daily gains compound like interest","Habits",{"stage":763,"step":687,"id":1780,"path":1781,"node":1782,"title":1783,"subtitle":1784,"topic":1785,"track":759},"millionaires-mostly-inherited-it","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fmillionaires-mostly-inherited-it",142,"Millionaires Mostly Inherited It","Most US millionaires in a classic study built it themselves","Wealth",{"stage":763,"step":693,"id":1787,"path":1788,"node":1789,"title":1790,"subtitle":1791,"topic":1792,"track":759},"the-ant-and-the-grasshopper","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fthe-ant-and-the-grasshopper",143,"The Ant and the Grasshopper","Aesop's ant stores grain while the grasshopper sings all summer","Planning",{"stage":763,"step":699,"id":1794,"path":1795,"node":1796,"title":1797,"subtitle":1798,"topic":1799,"track":759},"comparison-is-a-thief","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fcomparison-is-a-thief",144,"Comparison Is a Thief","Your neighbors' paychecks change how you feel about yours","Comparison",[1801],{"track":759,"count":699},{"zone":770,"title":1803,"path":1804,"tier":651,"theme":637,"lessons":1805,"topics":1864},"Gold & the Dollar","\u002Flearn\u002F17\u002Fgold-and-the-dollar",[1806,1813,1820,1826,1833,1839,1845,1851,1858],{"stage":770,"step":634,"id":1807,"path":1808,"node":1809,"title":1810,"subtitle":1811,"topic":1812,"track":657},"the-gold-standard","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-gold-standard",145,"The Gold Standard","When every dollar could be swapped for gold","Monetary History",{"stage":770,"step":651,"id":1814,"path":1815,"node":1816,"title":1817,"subtitle":1818,"topic":1819,"track":657},"the-100-000-bill","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-100-000-bill",146,"The $100,000 Bill","It exists, but you could never spend it","Currency",{"stage":770,"step":659,"id":1821,"path":1822,"node":1823,"title":1824,"subtitle":1825,"topic":1812,"track":657},"greenbacks-money-for-a-war","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fgreenbacks-money-for-a-war",147,"Greenbacks: Money for a War","The Civil War gave America paper money backed by law, not gold",{"stage":770,"step":667,"id":1827,"path":1828,"node":1829,"title":1830,"subtitle":1831,"topic":1832,"track":657},"the-dollar-is-backed-by-gold","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-dollar-is-backed-by-gold",148,"The Dollar Is Backed by Gold","It hasn't been since 1971","Fiat Money",{"stage":770,"step":674,"id":1834,"path":1835,"node":1836,"title":1837,"subtitle":1838,"topic":648,"track":657},"who-makes-the-dollar","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fwho-makes-the-dollar",149,"Who Makes the Dollar","The Mint, the printing bureau and the Fed",{"stage":770,"step":681,"id":1840,"path":1841,"node":1842,"title":1843,"subtitle":1844,"topic":1118,"track":657},"the-stone-that-sank","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-stone-that-sank",150,"The Stone That Sank","On Yap, a giant stone coin lost at sea still counted as wealth, because everyone agreed it existed",{"stage":770,"step":687,"id":1846,"path":1847,"node":1848,"title":1849,"subtitle":1850,"topic":1819,"track":657},"dollar-bills-are-mostly-cotton","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fdollar-bills-are-mostly-cotton",151,"Dollar Bills Are Mostly Cotton","That's why they survive the washing machine",{"stage":770,"step":693,"id":1852,"path":1853,"node":1854,"title":1855,"subtitle":1856,"topic":1857,"track":657},"checks-cards-and-taps","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fchecks-cards-and-taps",152,"Checks, Cards and Taps","How Americans moved from paper to plastic to phones","Payments",{"stage":770,"step":699,"id":1859,"path":1860,"node":1861,"title":1862,"subtitle":1863,"topic":1146,"track":759},"the-endowment-effect","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-endowment-effect",153,"The Endowment Effect","Owning something makes it feel worth more",[1865,1866],{"track":657,"count":693},{"track":759,"count":634},{"zone":778,"title":1868,"path":1869,"tier":651,"theme":712,"lessons":1870,"topics":1933},"Pay & Benefits","\u002Flearn\u002F18\u002Fpay-and-benefits",[1871,1878,1885,1892,1898,1905,1912,1919,1926],{"stage":778,"step":634,"id":1872,"path":1873,"node":1874,"title":1875,"subtitle":1876,"topic":1877,"track":665},"your-total-compensation","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fyour-total-compensation",154,"Your Total Compensation","Your salary is only part of what a job pays","Compensation",{"stage":778,"step":651,"id":1879,"path":1880,"node":1881,"title":1882,"subtitle":1883,"topic":1884,"track":665},"the-employer-match","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fthe-employer-match",155,"The Employer Match","Money your employer adds when you save","Retirement Plans",{"stage":778,"step":659,"id":1886,"path":1887,"node":1888,"title":1889,"subtitle":1890,"topic":1891,"track":665},"a-dozen-jobs-in-a-lifetime","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fa-dozen-jobs-in-a-lifetime",156,"A Dozen Jobs in a Lifetime","The average American career has many chapters","Careers",{"stage":778,"step":667,"id":1893,"path":1894,"node":1895,"title":1896,"subtitle":1897,"topic":731,"track":665},"w-2-or-1099","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fw-2-or-1099",157,"W-2 or 1099","Employee or contractor changes your taxes",{"stage":778,"step":674,"id":1899,"path":1900,"node":1901,"title":1902,"subtitle":1903,"topic":1904,"track":665},"every-hour-over-40-pays-extra","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fevery-hour-over-40-pays-extra",158,"Every Hour Over 40 Pays Extra","Many salaried workers get no overtime at all","Labor Law",{"stage":778,"step":681,"id":1906,"path":1907,"node":1908,"title":1909,"subtitle":1910,"topic":1911,"track":665},"negotiating-your-pay","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fnegotiating-your-pay",159,"Negotiating Your Pay","The first number on the table shapes the result","Negotiation",{"stage":778,"step":687,"id":1913,"path":1914,"node":1915,"title":1916,"subtitle":1917,"topic":1918,"track":665},"what-a-raise-is-worth","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fwhat-a-raise-is-worth",160,"What a Raise Is Worth","A small raise compounds across a career","Earnings",{"stage":778,"step":693,"id":1920,"path":1921,"node":1922,"title":1923,"subtitle":1924,"topic":1925,"track":759},"the-sunk-cost-trap","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fthe-sunk-cost-trap",161,"The Sunk Cost Trap","Years already spent shouldn't decide the next ones","Decision Making",{"stage":778,"step":699,"id":1927,"path":1928,"node":1929,"title":1930,"subtitle":1931,"topic":1932,"track":665},"the-bobbin-boy","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fthe-bobbin-boy",162,"The Bobbin Boy","Andrew Carnegie started at $1.20 a week in a cotton mill, built a steel empire, and gave most of it away","Ambition",[1934,1935],{"track":665,"count":693},{"track":759,"count":634},{"zone":797,"title":1937,"path":1938,"tier":651,"theme":788,"lessons":1939,"topics":2001},"Starting a Business","\u002Flearn\u002F19\u002Fstarting-a-business",[1940,1947,1954,1961,1968,1975,1981,1987,1994],{"stage":797,"step":634,"id":1941,"path":1942,"node":1943,"title":1944,"subtitle":1945,"topic":1946,"track":800},"find-a-problem-people-pay-for","\u002Flearn\u002F19\u002Fstarting-a-business\u002Ffind-a-problem-people-pay-for",163,"Find a Problem People Pay For","Businesses sell solutions to real pain","Ideas",{"stage":797,"step":651,"id":1948,"path":1949,"node":1950,"title":1951,"subtitle":1952,"topic":1953,"track":800},"your-first-customer","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fyour-first-customer",164,"Your First Customer","Sell it before you build it","Validation",{"stage":797,"step":659,"id":1955,"path":1956,"node":1957,"title":1958,"subtitle":1959,"topic":1960,"track":800},"post-it-notes-were-a-failed-glue","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fpost-it-notes-were-a-failed-glue",165,"Post-it Notes Were a Failed Glue","A weak adhesive became a bestseller","Inventions",{"stage":797,"step":667,"id":1962,"path":1963,"node":1964,"title":1965,"subtitle":1966,"topic":1967,"track":800},"a-business-needs-employees","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fa-business-needs-employees",166,"A Business Needs Employees","About four in five US businesses have none","Small Business",{"stage":797,"step":674,"id":1969,"path":1970,"node":1971,"title":1972,"subtitle":1973,"topic":1974,"track":800},"spanxs-5-000","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fspanxs-5-000",167,"Spanx's $5,000","Sara Blakely sold fax machines door to door, cut the feet off her pantyhose, and built Spanx from $5,000 of savings","Starting",{"stage":797,"step":681,"id":1976,"path":1977,"node":1978,"title":1979,"subtitle":1980,"topic":888,"track":800},"cost-plus-or-value-pricing","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fcost-plus-or-value-pricing",168,"Cost-Plus or Value Pricing","Charge for what it costs or for what it's worth",{"stage":797,"step":687,"id":1982,"path":1983,"node":1984,"title":1985,"subtitle":1986,"topic":827,"track":800},"how-many-customers-to-quit-your-job","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fhow-many-customers-to-quit-your-job",169,"How Many Customers to Quit Your Job?","Your escape number in customers",{"stage":797,"step":693,"id":1988,"path":1989,"node":1990,"title":1991,"subtitle":1992,"topic":1993,"track":800},"bootstrapping-or-investors","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fbootstrapping-or-investors",170,"Bootstrapping or Investors","Use your own money or sell a piece of the company","Funding",{"stage":797,"step":699,"id":1995,"path":1996,"node":1997,"title":1998,"subtitle":1999,"topic":2000,"track":759},"the-spotlight-effect","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fthe-spotlight-effect",171,"The Spotlight Effect","People notice you far less than you think","Fear of Judgment",[2002,2003],{"track":800,"count":693},{"track":759,"count":634},{"zone":804,"title":2005,"path":2006,"tier":651,"theme":862,"lessons":2007,"topics":2065},"Lifestyle Creep","\u002Flearn\u002F20\u002Flifestyle-creep",[2008,2014,2020,2026,2032,2039,2045,2052,2058],{"stage":804,"step":634,"id":2009,"path":2010,"node":2011,"title":2012,"subtitle":2013,"topic":874,"track":875},"fixed-and-variable-costs-at-home","\u002Flearn\u002F20\u002Flifestyle-creep\u002Ffixed-and-variable-costs-at-home",172,"Fixed and Variable Costs at Home","The bills that never move and the ones you control",{"stage":804,"step":651,"id":2015,"path":2016,"node":2017,"title":2018,"subtitle":2019,"topic":888,"track":875},"the-decoy-price","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-decoy-price",173,"The Decoy Price","A useless option can make another look like a deal",{"stage":804,"step":659,"id":2021,"path":2022,"node":2023,"title":2005,"subtitle":2024,"topic":2025,"track":875},"lifestyle-creep","\u002Flearn\u002F20\u002Flifestyle-creep\u002Flifestyle-creep",174,"When spending rises to meet every raise","Spending",{"stage":804,"step":667,"id":2027,"path":2028,"node":2029,"title":2030,"subtitle":2031,"topic":874,"track":875},"sinking-funds","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fsinking-funds",175,"Sinking Funds","Saving a little each month for bills you know are coming",{"stage":804,"step":674,"id":2033,"path":2034,"node":2035,"title":2036,"subtitle":2037,"topic":2038,"track":875},"a-new-car-is-an-investment","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fa-new-car-is-an-investment",176,"A New Car Is an Investment","Most cars lose value fast","Cars",{"stage":804,"step":681,"id":2040,"path":2041,"node":2042,"title":2043,"subtitle":2044,"topic":2038,"track":875},"the-true-cost-of-a-car","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-true-cost-of-a-car",177,"The True Cost of a Car","Payment, insurance, gas, repairs and the value it loses",{"stage":804,"step":687,"id":2046,"path":2047,"node":2048,"title":2049,"subtitle":2050,"topic":2051,"track":875},"the-diderot-effect","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-diderot-effect",178,"The Diderot Effect","A philosopher's beautiful new robe made everything he owned look shabby, and the upgrades never stopped","Wanting",{"stage":804,"step":693,"id":2053,"path":2054,"node":2055,"title":2056,"subtitle":2057,"topic":1146,"track":759},"the-ikea-effect","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-ikea-effect",179,"The IKEA Effect","We love what we build ourselves",{"stage":804,"step":699,"id":2059,"path":2060,"node":2061,"title":2062,"subtitle":2063,"topic":2064,"track":875},"the-30-day-pause","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-30-day-pause",180,"The 30-Day Pause","Waiting before a want shows if you still want it","Spending Habits",[2066,2067],{"track":875,"count":693},{"track":759,"count":634}]