[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"catalog-es-419":3,"intro-keys-and-wallets-es-419":1444},[4,80,157,232,306,377,450,524,594,668,740,814,886,956,1031,1105,1177,1242,1310,1379],{"zone":5,"title":6,"path":7,"tier":5,"theme":8,"lessons":13,"topics":76},1,"Origins of Money","\u002Flearn\u002F1\u002Forigins-of-money",{"key":9,"name":10,"light":11,"dark":12},"old-mint","Old Mint","#0C9B6C","#10B981",[14,21,29,37,44,51,57,63,69],{"stage":5,"step":5,"id":15,"path":16,"node":5,"title":17,"subtitle":18,"topic":19,"track":20},"your-money-isnt-in-the-bank","\u002Flearn\u002F1\u002Forigins-of-money\u002Fyour-money-isnt-in-the-bank","¿Dónde está tu dinero?","Tu saldo es un número en una pantalla; solo uno de cada diez dólares de EE. UU. existe en efectivo","Dinero moderno","Bancos y bancos centrales",{"stage":5,"step":22,"id":23,"path":24,"node":22,"title":25,"subtitle":26,"topic":27,"track":28},2,"what-is-money-really","\u002Flearn\u002F1\u002Forigins-of-money\u002Fwhat-is-money-really","¿Qué es el dinero, de verdad?","Pagas con él, pones precios con él, lo guardas y crees en él","Qué es el dinero","El dinero y su historia",{"stage":5,"step":30,"id":31,"path":32,"node":30,"title":33,"subtitle":34,"topic":35,"track":36},3,"whats-your-hour-really-worth","\u002Flearn\u002F1\u002Forigins-of-money\u002Fwhats-your-hour-really-worth","¿Cuánto vale de verdad tu hora?","Tu salario real por hora es más bajo de lo que dice tu cheque de pago","Tiempo y dinero","El trabajo y la carrera de la rata",{"stage":5,"step":38,"id":39,"path":40,"node":38,"title":41,"subtitle":42,"topic":43,"track":28},4,"the-four-cent-penny","\u002Flearn\u002F1\u002Forigins-of-money\u002Fthe-four-cent-penny","El penny de cuatro centavos","Fabricar un centavo le costaba a la Casa de la Moneda de EE. UU. casi cuatro, así que en 2025 dejó de hacerlo","Monedas",{"stage":5,"step":45,"id":46,"path":47,"node":45,"title":48,"subtitle":49,"topic":50,"track":28},5,"from-shells-to-coins","\u002Flearn\u002F1\u002Forigins-of-money\u002Ffrom-shells-to-coins","De las conchas a las monedas","Cauris, pedazos de plata y las primeras monedas acuñadas","Historia del dinero",{"stage":5,"step":52,"id":53,"path":54,"node":52,"title":55,"subtitle":56,"topic":50,"track":28},6,"the-barter-myth","\u002Flearn\u002F1\u002Forigins-of-money\u002Fthe-barter-myth","El mito del trueque","Los libros de texto dicen que antes del dinero hubo trueque. Los antropólogos no lo encuentran",{"stage":5,"step":58,"id":59,"path":60,"node":58,"title":61,"subtitle":62,"topic":50,"track":28},7,"paper-promises","\u002Flearn\u002F1\u002Forigins-of-money\u002Fpaper-promises","Promesas de papel","El primer papel moneda era un pagaré que podías pasarle a otro",{"stage":5,"step":64,"id":65,"path":66,"node":64,"title":67,"subtitle":68,"topic":50,"track":28},8,"why-its-called-a-dollar","\u002Flearn\u002F1\u002Forigins-of-money\u002Fwhy-its-called-a-dollar","Por qué se llama dólar","El nombre nació en una mina de plata de Bohemia",{"stage":5,"step":70,"id":71,"path":72,"node":70,"title":73,"subtitle":74,"topic":75,"track":28},9,"acres-of-diamonds","\u002Flearn\u002F1\u002Forigins-of-money\u002Facres-of-diamonds","Acres de diamantes","En una famosa conferencia de 1890, un granjero vende sus tierras para buscar diamantes por el mundo; el siguiente dueño los encuentra en el arroyo de detrás de casa","Oportunidad",[77,78,79],{"track":28,"count":58},{"track":20,"count":5},{"track":36,"count":5},{"zone":22,"title":81,"path":82,"tier":5,"theme":83,"lessons":88,"topics":153},"The Rat Race","\u002Flearn\u002F2\u002Fthe-rat-race",{"key":84,"name":85,"light":86,"dark":87},"clockwork-city","Clockwork City","#c2410c","#e2581a",[89,96,103,110,117,124,132,139,147],{"stage":22,"step":5,"id":90,"path":91,"node":92,"title":93,"subtitle":94,"topic":95,"track":36},"where-your-paycheck-goes","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fwhere-your-paycheck-goes",10,"Adónde va tu sueldo","El sueldo bruto es el número que te ofrecen; el neto es lo que te llega","El sueldo",{"stage":22,"step":22,"id":97,"path":98,"node":99,"title":100,"subtitle":101,"topic":102,"track":36},"the-raise-that-costs-you-money","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-raise-that-costs-you-money",11,"El aumento que te cuesta dinero","Un tramo más alto solo grava los dólares que pasan de la línea","Impuestos",{"stage":22,"step":30,"id":104,"path":105,"node":106,"title":107,"subtitle":108,"topic":109,"track":36},"trading-time-for-money","\u002Flearn\u002F2\u002Fthe-rat-race\u002Ftrading-time-for-money",12,"Cambiar tiempo por dinero","Un sueldo se detiene el día que te detienes tú","La carrera de la rata",{"stage":22,"step":38,"id":111,"path":112,"node":113,"title":114,"subtitle":115,"topic":116,"track":36},"the-40-hour-week-was-a-fight","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-40-hour-week-was-a-fight",13,"La semana de 40 horas fue una lucha","Los fines de semana no fueron un regalo; se ganaron","Historia del trabajo",{"stage":22,"step":45,"id":118,"path":119,"node":120,"title":121,"subtitle":122,"topic":123,"track":36},"active-and-passive-income","\u002Flearn\u002F2\u002Fthe-rat-race\u002Factive-and-passive-income",14,"Ingresos activos y pasivos","El dinero por el que trabajas y el dinero que trabaja para ti","Ingresos",{"stage":22,"step":52,"id":125,"path":126,"node":127,"title":128,"subtitle":129,"topic":130,"track":131},"the-hedonic-treadmill","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-hedonic-treadmill",15,"La cinta hedónica","Cada mejora se vuelve normal enseguida","Felicidad","Mentalidad y psicología del dinero",{"stage":22,"step":58,"id":133,"path":134,"node":135,"title":136,"subtitle":137,"topic":138,"track":36},"the-fisherman-and-the-banker","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-fisherman-and-the-banker",16,"El pescador y el banquero","Versión del relato de Heinrich Böll de 1963: un banquero anima a un pescador a armar una flota para que un día pueda jubilarse y... pescar toda la tarde","Propósito",{"stage":22,"step":64,"id":140,"path":141,"node":142,"title":143,"subtitle":144,"topic":145,"track":146},"your-freedom-number","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fyour-freedom-number",17,"Tu número de libertad","Cuánto hace falta para que trabajar sea opcional","Independencia financiera","Ahorro e interés compuesto",{"stage":22,"step":70,"id":148,"path":149,"node":150,"title":151,"subtitle":152,"topic":145,"track":36},"the-savings-rate-shortcut","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-savings-rate-shortcut",18,"El atajo de la tasa de ahorro","Lo que te quedas importa más que lo que ganas",[154,155,156],{"track":36,"count":58},{"track":131,"count":5},{"track":146,"count":5},{"zone":30,"title":158,"path":159,"tier":5,"theme":160,"lessons":165,"topics":229},"Business Basics","\u002Flearn\u002F3\u002Fbusiness-basics",{"key":161,"name":162,"light":163,"dark":164},"founders-garage","Founders' Garage","#1d4ed8","#3b7cf0",[166,174,181,188,194,201,208,215,222],{"stage":30,"step":5,"id":167,"path":168,"node":169,"title":170,"subtitle":171,"topic":172,"track":173},"revenue-isnt-profit","\u002Flearn\u002F3\u002Fbusiness-basics\u002Frevenue-isnt-profit",19,"Ingresos no es ganancia","Lo que entra menos lo que sale","Lo básico del negocio","Crear un negocio",{"stage":30,"step":22,"id":175,"path":176,"node":177,"title":178,"subtitle":179,"topic":180,"track":173},"nine-out-of-ten-fail-in-year-one","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fnine-out-of-ten-fail-in-year-one",20,"Nueve de cada diez cierran el primer año","Los datos de EE. UU. dicen que unos cuatro de cada cinco negocios nuevos sobreviven a su primer año","Emprender",{"stage":30,"step":30,"id":182,"path":183,"node":184,"title":185,"subtitle":186,"topic":187,"track":173},"margin-what-you-keep-from-each-sale","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fmargin-what-you-keep-from-each-sale",21,"Margen: lo que te queda de cada venta","Precio menos costo, artículo a artículo","Economía por unidad",{"stage":30,"step":38,"id":189,"path":190,"node":191,"title":192,"subtitle":193,"topic":187,"track":173},"the-break-even-point","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fthe-break-even-point",22,"El punto de equilibrio","La venta en la que dejas de perder dinero",{"stage":30,"step":45,"id":195,"path":196,"node":197,"title":198,"subtitle":199,"topic":200,"track":173},"your-side-hustle-math","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fyour-side-hustle-math",23,"Las cuentas de tu trabajo extra","Lo que te paga de verdad tu idea por hora","Trabajos extra",{"stage":30,"step":52,"id":202,"path":203,"node":204,"title":205,"subtitle":206,"topic":207,"track":173},"three-feet-from-gold","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fthree-feet-from-gold",24,"A tres pies del oro","Cuenta la historia que un minero lo dejó y vendió su equipo, y el comprador dio con la veta tres pies más abajo","Perseverancia",{"stage":30,"step":58,"id":209,"path":210,"node":211,"title":212,"subtitle":213,"topic":214,"track":131},"regret-runs-backwards","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fregret-runs-backwards",25,"El arrepentimiento va al revés","A la larga, la gente se arrepiente de lo que no intentó","Arrepentimiento",{"stage":30,"step":64,"id":216,"path":217,"node":218,"title":219,"subtitle":220,"topic":221,"track":173},"why-founders-form-an-llc","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fwhy-founders-form-an-llc",26,"Por qué los fundadores crean una LLC","Un muro entre el negocio y tu casa","Formas de empresa",{"stage":30,"step":70,"id":223,"path":224,"node":225,"title":226,"subtitle":227,"topic":228,"track":173},"the-ice-king","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fthe-ice-king",27,"El Rey del Hielo","Un hombre llevó hielo de Nueva Inglaterra al trópico y todos se rieron","Fundadores",[230,231],{"track":173,"count":64},{"track":131,"count":5},{"zone":38,"title":233,"path":234,"tier":5,"theme":235,"lessons":240,"topics":303},"Budgeting Basics","\u002Flearn\u002F4\u002Fbudgeting-basics",{"key":236,"name":237,"light":238,"dark":239},"market-bazaar","Market Bazaar","#be185d","#d9327a",[241,249,255,262,269,276,283,290,296],{"stage":38,"step":5,"id":242,"path":243,"node":244,"title":245,"subtitle":246,"topic":247,"track":248},"needs-wants-and-the-gray-zone","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fneeds-wants-and-the-gray-zone",28,"Necesidades, caprichos y la zona gris","El alquiler es una necesidad. Un departamento más grande, quizá no","Presupuesto","Gasto y presupuesto",{"stage":38,"step":22,"id":250,"path":251,"node":252,"title":253,"subtitle":254,"topic":247,"track":248},"the-50-30-20-budget","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-50-30-20-budget",29,"El presupuesto 50\u002F30\u002F20","La mitad para necesidades, un tercio para caprichos, un quinto para el futuro",{"stage":38,"step":30,"id":256,"path":257,"node":258,"title":259,"subtitle":260,"topic":261,"track":248},"why-prices-end-in-99","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fwhy-prices-end-in-99",30,"Por qué los precios terminan en .99","$4.99 parece mucho más barato que $5.00","Precios",{"stage":38,"step":38,"id":263,"path":264,"node":265,"title":266,"subtitle":267,"topic":268,"track":248},"the-subscriptions-that-never-sleep","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-subscriptions-that-never-sleep",31,"Las suscripciones que nunca duermen","Pequeños cargos al mes que suman un gran gasto al año","Gastos recurrentes",{"stage":38,"step":45,"id":270,"path":271,"node":272,"title":273,"subtitle":274,"topic":275,"track":131},"the-pain-of-paying","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-pain-of-paying",32,"El dolor de pagar","Las tarjetas duelen menos que el efectivo, así que gastamos más","Psicología del gasto",{"stage":38,"step":52,"id":277,"path":278,"node":279,"title":280,"subtitle":281,"topic":282,"track":248},"the-marshmallow-test","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-marshmallow-test",33,"La prueba del malvavisco","A unos niños se les ofreció un dulce ya o dos después, y se vio lo difícil que es esperar; estudios posteriores vieron que el entorno importa tanto como la fuerza de voluntad","Gratificación diferida",{"stage":38,"step":58,"id":284,"path":285,"node":286,"title":287,"subtitle":288,"topic":289,"track":248},"cost-per-use","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fcost-per-use",34,"Costo por uso","Un abrigo de $200 que llevas a diario puede costar menos que uno de $40 que nunca te pones","Gastar con cabeza",{"stage":38,"step":64,"id":291,"path":292,"node":293,"title":294,"subtitle":295,"topic":247,"track":248},"where-did-my-month-go","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fwhere-did-my-month-go",35,"¿Adónde se fue mi mes?","Tus gastos, dibujados en una imagen",{"stage":38,"step":70,"id":297,"path":298,"node":299,"title":300,"subtitle":301,"topic":302,"track":248},"the-gruen-transfer","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-gruen-transfer",36,"El efecto Gruen","Los centros comerciales están diseñados para que olvides a qué fuiste","Diseño de tiendas",[304,305],{"track":248,"count":64},{"track":131,"count":5},{"zone":45,"title":307,"path":308,"tier":5,"theme":309,"lessons":314,"topics":374},"Compound Interest","\u002Flearn\u002F5\u002Fcompound-interest",{"key":310,"name":311,"light":312,"dark":313},"compound-gardens","Compound Gardens","#4d7c0f","#5f9410",[315,322,329,336,342,348,354,361,368],{"stage":45,"step":5,"id":316,"path":317,"node":318,"title":319,"subtitle":320,"topic":321,"track":146},"pay-yourself-first","\u002Flearn\u002F5\u002Fcompound-interest\u002Fpay-yourself-first",37,"Págate primero a ti","Ahorra antes de gastar, no después","Ahorro",{"stage":45,"step":22,"id":323,"path":324,"node":325,"title":326,"subtitle":327,"topic":328,"track":146},"simple-interest","\u002Flearn\u002F5\u002Fcompound-interest\u002Fsimple-interest",38,"Interés simple","Intereses solo sobre lo que pones","Interés",{"stage":45,"step":30,"id":330,"path":331,"node":332,"title":333,"subtitle":334,"topic":335,"track":146},"interest-on-interest","\u002Flearn\u002F5\u002Fcompound-interest\u002Finterest-on-interest",39,"Interés sobre interés","El interés compuesto convierte una línea recta en una curva","Interés compuesto",{"stage":45,"step":38,"id":337,"path":338,"node":339,"title":340,"subtitle":341,"topic":335,"track":146},"the-rule-of-72","\u002Flearn\u002F5\u002Fcompound-interest\u002Fthe-rule-of-72",40,"La regla del 72","Divide 72 entre la tasa y verás lo rápido que se duplica el dinero",{"stage":45,"step":45,"id":343,"path":344,"node":345,"title":346,"subtitle":347,"topic":335,"track":146},"einstein-never-said-it","\u002Flearn\u002F5\u002Fcompound-interest\u002Feinstein-never-said-it",41,"Einstein nunca lo dijo","La frase de la «octava maravilla del mundo» no tiene fuente",{"stage":45,"step":52,"id":349,"path":350,"node":351,"title":352,"subtitle":353,"topic":335,"track":146},"start-at-20-or-at-30","\u002Flearn\u002F5\u002Fcompound-interest\u002Fstart-at-20-or-at-30",42,"¿Empezar a los 20 o a los 30?","Diez años esperando pueden costar más que diez años ahorrando",{"stage":45,"step":58,"id":355,"path":356,"node":357,"title":358,"subtitle":359,"topic":360,"track":146},"franklins-200-year-gift","\u002Flearn\u002F5\u002Fcompound-interest\u002Ffranklins-200-year-gift",43,"El regalo de 200 años de Franklin","Benjamin Franklin dejó £1,000 a Boston para que crecieran 200 años; en 1990 valían millones","Paciencia",{"stage":45,"step":64,"id":362,"path":363,"node":364,"title":365,"subtitle":366,"topic":367,"track":131},"future-you-is-a-stranger","\u002Flearn\u002F5\u002Fcompound-interest\u002Ffuture-you-is-a-stranger",44,"Tu yo del futuro es un desconocido","Tu cerebro trata a tu yo mayor como si fuera otra persona","Psicología del ahorro",{"stage":45,"step":70,"id":369,"path":370,"node":371,"title":372,"subtitle":373,"topic":321,"track":146},"the-emergency-fund","\u002Flearn\u002F5\u002Fcompound-interest\u002Fthe-emergency-fund",45,"El fondo de emergencia","Dinero a mano que convierte una crisis en un contratiempo",[375,376],{"track":146,"count":64},{"track":131,"count":5},{"zone":52,"title":378,"path":379,"tier":5,"theme":380,"lessons":385,"topics":447},"Debt & Credit","\u002Flearn\u002F6\u002Fdebt-and-credit",{"key":381,"name":382,"light":383,"dark":384},"debt-canyon","Debt Canyon","#b42318","#d63b2f",[386,394,400,407,413,420,426,433,440],{"stage":52,"step":5,"id":387,"path":388,"node":389,"title":390,"subtitle":391,"topic":392,"track":393},"borrowing-is-renting-money","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fborrowing-is-renting-money",46,"Pedir prestado es alquilar dinero","El interés es el alquiler que pagas por usar el dinero de otro","Deuda","Préstamos, crédito y deuda",{"stage":52,"step":22,"id":395,"path":396,"node":397,"title":398,"subtitle":399,"topic":392,"track":393},"apr-the-real-price-of-a-loan","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fapr-the-real-price-of-a-loan",47,"APR: el precio real de un préstamo","Un número para comparar cualquier préstamo",{"stage":52,"step":30,"id":401,"path":402,"node":403,"title":404,"subtitle":405,"topic":406,"track":393},"the-dinner-that-probably-never-happened","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fthe-dinner-that-probably-never-happened",48,"La cena que probablemente nunca existió","El famoso origen de la tarjeta de crédito fue una historia para vender","Tarjetas de crédito",{"stage":52,"step":38,"id":408,"path":409,"node":410,"title":411,"subtitle":412,"topic":406,"track":393},"the-minimum-payment-trap","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fthe-minimum-payment-trap",49,"La trampa del pago mínimo","Pagar el mínimo puede alargar el saldo de una tarjeta durante muchos años",{"stage":52,"step":45,"id":414,"path":415,"node":416,"title":417,"subtitle":418,"topic":419,"track":393},"the-debt-payoff-race","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fthe-debt-payoff-race",50,"La carrera para saldar deudas","¿Primero el saldo más pequeño o la tasa más alta?","Saldar deudas",{"stage":52,"step":52,"id":421,"path":422,"node":423,"title":424,"subtitle":425,"topic":392,"track":393},"what-debt-buys","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fwhat-debt-buys",51,"Lo que compra la deuda","Pedir prestado para cosas que crecen o para cosas que menguan",{"stage":52,"step":58,"id":427,"path":428,"node":429,"title":430,"subtitle":431,"topic":432,"track":131},"present-bias","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fpresent-bias",52,"El sesgo del presente","Hoy siempre se siente más real que mañana","Psicología de la deuda",{"stage":52,"step":64,"id":434,"path":435,"node":436,"title":437,"subtitle":438,"topic":439,"track":393},"twain-pays-it-all-back","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Ftwain-pays-it-all-back",53,"Twain lo devuelve todo","Mark Twain se arruinó por una máquina tipográfica y dio la vuelta al mundo sobre los escenarios para pagar íntegramente a cada acreedor","Integridad",{"stage":52,"step":70,"id":441,"path":442,"node":443,"title":444,"subtitle":445,"topic":446,"track":393},"your-credit-score","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fyour-credit-score",54,"Tu puntaje de crédito","Un número de tres cifras que pone precio a tu próximo préstamo","Crédito",[448,449],{"track":393,"count":64},{"track":131,"count":5},{"zone":58,"title":451,"path":452,"tier":5,"theme":453,"lessons":458,"topics":521},"How Banks Work","\u002Flearn\u002F7\u002Fhow-banks-work",{"key":454,"name":455,"light":456,"dark":457},"vault-district","Vault District","#0f766e","#0d8f86",[459,466,472,479,486,493,500,507,514],{"stage":58,"step":5,"id":460,"path":461,"node":462,"title":463,"subtitle":464,"topic":465,"track":20},"what-a-bank-really-is","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fwhat-a-bank-really-is",55,"Lo que un banco es de verdad","Un intermediario entre quien ahorra y quien pide prestado","Banca",{"stage":58,"step":22,"id":467,"path":468,"node":469,"title":470,"subtitle":471,"topic":465,"track":20},"most-of-it-isnt-there","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fmost-of-it-isnt-there",56,"La mayor parte no está ahí","Los bancos solo tienen a mano una parte de los depósitos",{"stage":58,"step":30,"id":473,"path":474,"node":475,"title":476,"subtitle":477,"topic":478,"track":20},"the-vault-nobody-visits","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fthe-vault-nobody-visits",57,"La bóveda que nadie visita","Fort Knox guarda cerca de la mitad del oro de Estados Unidos","Reservas de oro",{"stage":58,"step":38,"id":480,"path":481,"node":482,"title":483,"subtitle":484,"topic":485,"track":20},"why-your-deposit-is-safe","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fwhy-your-deposit-is-safe",58,"Por qué tu depósito está a salvo","La FDIC te cubre hasta $250,000","Seguro de depósitos",{"stage":58,"step":45,"id":487,"path":488,"node":489,"title":490,"subtitle":491,"topic":492,"track":20},"twenty-seven-dollars","\u002Flearn\u002F7\u002Fhow-banks-work\u002Ftwenty-seven-dollars",59,"Veintisiete dólares","Muhammad Yunus pagó $27 para liberar a 42 vecinos de una aldea, y aquello se convirtió en un banco para millones","Confianza",{"stage":58,"step":52,"id":494,"path":495,"node":496,"title":497,"subtitle":498,"topic":499,"track":20},"the-fed-sets-the-price-of-money","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fthe-fed-sets-the-price-of-money",60,"La Fed pone precio al dinero","Una tasa en Washington se propaga hasta tus préstamos","Bancos centrales",{"stage":58,"step":58,"id":501,"path":502,"node":503,"title":504,"subtitle":505,"topic":506,"track":20},"banks-just-lend-out-savings","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fbanks-just-lend-out-savings",61,"Los bancos solo prestan ahorros","Cuando un banco da un préstamo, crea dinero nuevo","Creación de dinero",{"stage":58,"step":64,"id":508,"path":509,"node":510,"title":511,"subtitle":512,"topic":513,"track":20},"the-savings-account-gap","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fthe-savings-account-gap",62,"La brecha de las cuentas de ahorro","El mismo dinero puede ganar cientos de veces más a un toque de distancia","Cuentas de ahorro",{"stage":58,"step":70,"id":515,"path":516,"node":517,"title":518,"subtitle":519,"topic":520,"track":131},"mental-accounting","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fmental-accounting",63,"Contabilidad mental","Un dólar es un dólar, pero no lo tratamos así","Economía conductual",[522,523],{"track":20,"count":64},{"track":131,"count":5},{"zone":64,"title":525,"path":526,"tier":5,"theme":527,"lessons":532,"topics":592},"Inflation Basics","\u002Flearn\u002F8\u002Finflation-basics",{"key":528,"name":529,"light":530,"dark":531},"balloon-heights","Balloon Heights","#6d30dc","#8556ee",[533,541,547,553,559,565,571,578,585],{"stage":64,"step":5,"id":534,"path":535,"node":536,"title":537,"subtitle":538,"topic":539,"track":540},"why-a-dollar-buys-less","\u002Flearn\u002F8\u002Finflation-basics\u002Fwhy-a-dollar-buys-less",64,"Por qué un dólar compra menos","Los precios suben poco a poco casi todos los años","Inflación","Inflación y economía",{"stage":64,"step":22,"id":542,"path":543,"node":544,"title":545,"subtitle":546,"topic":261,"track":540},"the-5-cent-coke","\u002Flearn\u002F8\u002Finflation-basics\u002Fthe-5-cent-coke",65,"La Coca-Cola de 5 centavos","Una botella de Coca-Cola costó un nickel durante más de 70 años",{"stage":64,"step":30,"id":548,"path":549,"node":550,"title":551,"subtitle":552,"topic":539,"track":540},"your-money-in-20-years","\u002Flearn\u002F8\u002Finflation-basics\u002Fyour-money-in-20-years",66,"Tu dinero en 20 años","Lo que comprarán de verdad tus ahorros de hoy",{"stage":64,"step":38,"id":554,"path":555,"node":556,"title":557,"subtitle":558,"topic":539,"track":540},"what-causes-inflation","\u002Flearn\u002F8\u002Finflation-basics\u002Fwhat-causes-inflation",67,"Qué provoca la inflación","Demasiado dinero persiguiendo muy pocos bienes, y otras razones",{"stage":64,"step":45,"id":560,"path":561,"node":562,"title":563,"subtitle":564,"topic":539,"track":540},"real-and-nominal","\u002Flearn\u002F8\u002Finflation-basics\u002Freal-and-nominal",68,"Real y nominal","La cifra que ves y lo que vale de verdad",{"stage":64,"step":52,"id":566,"path":567,"node":568,"title":569,"subtitle":570,"topic":499,"track":540},"zero-inflation-is-the-goal","\u002Flearn\u002F8\u002Finflation-basics\u002Fzero-inflation-is-the-goal",69,"La meta es inflación cero","La Fed apunta a cerca de un 2% a propósito",{"stage":64,"step":58,"id":572,"path":573,"node":574,"title":575,"subtitle":576,"topic":577,"track":540},"the-wheelbarrow-of-marks","\u002Flearn\u002F8\u002Finflation-basics\u002Fthe-wheelbarrow-of-marks",70,"La carretilla de marcos","En la Alemania de 1923, los precios se duplicaban cada pocos días y los ahorros de toda una vida se volvieron papel","Valor",{"stage":64,"step":64,"id":579,"path":580,"node":581,"title":582,"subtitle":583,"topic":584,"track":540},"gdp-the-size-of-the-pie","\u002Flearn\u002F8\u002Finflation-basics\u002Fgdp-the-size-of-the-pie",71,"PIB: el tamaño del pastel","Todo lo que produce un país en un año, en un solo número","Economía",{"stage":64,"step":70,"id":586,"path":587,"node":588,"title":589,"subtitle":590,"topic":591,"track":540},"the-big-mac-index","\u002Flearn\u002F8\u002Finflation-basics\u002Fthe-big-mac-index",72,"El índice Big Mac","Una hamburguesa que compara las monedas del mundo","Divisas",[593],{"track":540,"count":70},{"zone":70,"title":595,"path":596,"tier":5,"theme":597,"lessons":602,"topics":665},"Risk & Insurance","\u002Flearn\u002F9\u002Frisk-and-insurance",{"key":598,"name":599,"light":600,"dark":601},"safety-net-cove","Safety Net Cove","#0369a1","#0a82c4",[603,611,618,625,631,638,645,651,658],{"stage":70,"step":5,"id":604,"path":605,"node":606,"title":607,"subtitle":608,"topic":609,"track":610},"risk-and-reward-travel-together","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Frisk-and-reward-travel-together",73,"Riesgo y recompensa van de la mano","Más ganancia posible viene con más pérdida posible","Riesgo","Riesgo, seguros y probabilidad",{"stage":70,"step":22,"id":612,"path":613,"node":614,"title":615,"subtitle":616,"topic":617,"track":610},"insurance-sharing-bad-luck","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Finsurance-sharing-bad-luck",74,"Seguros: repartir la mala suerte","Muchos pagan un poco para que unos pocos no se arruinen","Seguros",{"stage":70,"step":30,"id":619,"path":620,"node":621,"title":622,"subtitle":623,"topic":624,"track":610},"why-the-house-always-wins","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fwhy-the-house-always-wins",75,"Por qué la casa siempre gana","Los ceros verdes de la ruleta pagan al casino","Probabilidad",{"stage":70,"step":38,"id":626,"path":627,"node":628,"title":629,"subtitle":630,"topic":624,"track":610},"expected-value","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fexpected-value",76,"El valor esperado","Lo que vale una apuesta en promedio",{"stage":70,"step":45,"id":632,"path":633,"node":634,"title":635,"subtitle":636,"topic":637,"track":610},"the-lottery-is-worth-a-shot","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fthe-lottery-is-worth-a-shot",77,"Vale la pena jugar a la lotería","Un boleto de Powerball pierde dinero en promedio","Loterías",{"stage":70,"step":52,"id":639,"path":640,"node":641,"title":642,"subtitle":643,"topic":644,"track":131},"losses-hurt-twice-as-much","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Flosses-hurt-twice-as-much",78,"Perder duele el doble","Perder $100 duele más de lo que alegra ganar $100","Aversión a las pérdidas",{"stage":70,"step":58,"id":646,"path":647,"node":648,"title":649,"subtitle":650,"topic":617,"track":610},"premiums-and-deductibles","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fpremiums-and-deductibles",79,"Primas y deducibles","Lo que pagas cada mes y lo que pagas cuando pasa algo",{"stage":70,"step":64,"id":652,"path":653,"node":654,"title":655,"subtitle":656,"topic":657,"track":610},"is-the-warranty-worth-it","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fis-the-warranty-worth-it",80,"¿Vale la pena la garantía?","Ponle precio a la garantía extendida con probabilidades reales","Valor esperado",{"stage":70,"step":70,"id":659,"path":660,"node":661,"title":662,"subtitle":663,"topic":664,"track":610},"the-farmers-lost-horse","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fthe-farmers-lost-horse",81,"El caballo perdido del granjero","En una vieja parábola china, cada golpe de mala suerte acaba siendo bueno, y cada golpe de buena suerte acaba siendo malo","Incertidumbre",[666,667],{"track":610,"count":64},{"track":131,"count":5},{"zone":92,"title":669,"path":670,"tier":5,"theme":671,"lessons":676,"topics":737},"Stock Basics","\u002Flearn\u002F10\u002Fstock-basics",{"key":672,"name":673,"light":674,"dark":675},"bull-ridge","Bull Ridge","#9a5b06","#b86e08",[677,685,691,698,704,711,717,724,730],{"stage":92,"step":5,"id":678,"path":679,"node":680,"title":681,"subtitle":682,"topic":683,"track":684},"a-share-is-a-slice-of-a-company","\u002Flearn\u002F10\u002Fstock-basics\u002Fa-share-is-a-slice-of-a-company",82,"Una acción es una porción de una empresa","Si tienes una acción, tienes una porción de todo lo que hace la empresa","Acciones","Acciones y empresas",{"stage":92,"step":22,"id":686,"path":687,"node":688,"title":689,"subtitle":690,"topic":683,"track":684},"how-shareholders-get-paid","\u002Flearn\u002F10\u002Fstock-basics\u002Fhow-shareholders-get-paid",83,"Cómo cobran los accionistas","Dividendos y un precio que sube",{"stage":92,"step":30,"id":692,"path":693,"node":694,"title":695,"subtitle":696,"topic":697,"track":684},"the-buttonwood-agreement","\u002Flearn\u002F10\u002Fstock-basics\u002Fthe-buttonwood-agreement",84,"El Acuerdo de Buttonwood","Wall Street nació bajo un árbol","Mercados de valores",{"stage":92,"step":38,"id":699,"path":700,"node":701,"title":702,"subtitle":703,"topic":697,"track":684},"why-prices-move","\u002Flearn\u002F10\u002Fstock-basics\u002Fwhy-prices-move",85,"Por qué se mueven los precios","Una acción vale lo que alguien pague por ella",{"stage":92,"step":45,"id":705,"path":706,"node":707,"title":708,"subtitle":709,"topic":710,"track":684},"100-a-month-in-the-market","\u002Flearn\u002F10\u002Fstock-basics\u002F100-a-month-in-the-market",86,"100 dólares al mes en la bolsa","Lo que logró invertir con constancia en la historia de EE. UU.","Inversión",{"stage":92,"step":52,"id":712,"path":713,"node":714,"title":715,"subtitle":716,"topic":710,"track":684},"you-need-a-lot-to-invest","\u002Flearn\u002F10\u002Fstock-basics\u002Fyou-need-a-lot-to-invest",87,"Se necesita mucho dinero para invertir","Las fracciones de acción te dejan empezar con un dólar",{"stage":92,"step":58,"id":718,"path":719,"node":720,"title":721,"subtitle":722,"topic":723,"track":684},"owner-or-only-worker","\u002Flearn\u002F10\u002Fstock-basics\u002Fowner-or-only-worker",88,"¿Dueño o solo trabajador?","Los empleados cobran un sueldo; los dueños ganan con el trabajo de todos","Propiedad",{"stage":92,"step":64,"id":725,"path":726,"node":727,"title":728,"subtitle":729,"topic":360,"track":684},"buffetts-first-stock","\u002Flearn\u002F10\u002Fstock-basics\u002Fbuffetts-first-stock",89,"Las primeras acciones de Buffett","A los 11 años, Warren Buffett compró tres acciones a 38 dólares, las vendió a 40 y vio cómo subían hasta unos 200",{"stage":92,"step":70,"id":731,"path":732,"node":733,"title":734,"subtitle":735,"topic":736,"track":131},"selling-winners-keeping-losers","\u002Flearn\u002F10\u002Fstock-basics\u002Fselling-winners-keeping-losers",90,"Vender ganadoras, aguantar perdedoras","Cobramos las ganancias demasiado rápido y aguantamos las pérdidas demasiado tiempo","Comportamiento del inversionista",[738,739],{"track":684,"count":64},{"track":131,"count":5},{"zone":99,"title":741,"path":742,"tier":5,"theme":743,"lessons":748,"topics":811},"Bond Basics","\u002Flearn\u002F11\u002Fbond-basics",{"key":744,"name":745,"light":746,"dark":747},"bond-bridge","Bond Bridge","#4f46e5","#6a6af2",[749,757,763,770,776,783,790,797,804],{"stage":99,"step":5,"id":750,"path":751,"node":752,"title":753,"subtitle":754,"topic":755,"track":756},"a-bond-is-an-iou","\u002Flearn\u002F11\u002Fbond-basics\u002Fa-bond-is-an-iou",91,"Un bono es un pagaré","Prestas dinero y te lo devuelven con intereses","Bonos","Bonos y tasas de interés",{"stage":99,"step":22,"id":758,"path":759,"node":760,"title":761,"subtitle":762,"topic":755,"track":756},"coupon-maturity-face-value","\u002Flearn\u002F11\u002Fbond-basics\u002Fcoupon-maturity-face-value",92,"Cupón, vencimiento, valor nominal","Los tres números de todo bono",{"stage":99,"step":30,"id":764,"path":765,"node":766,"title":767,"subtitle":768,"topic":769,"track":756},"buy-a-bond-win-a-war","\u002Flearn\u002F11\u002Fbond-basics\u002Fbuy-a-bond-win-a-war",93,"Compra un bono, gana una guerra","Decenas de millones de estadounidenses prestaron dinero para la Segunda Guerra Mundial","Historia de los bonos",{"stage":99,"step":38,"id":771,"path":772,"node":773,"title":774,"subtitle":775,"topic":755,"track":756},"who-borrows-with-bonds","\u002Flearn\u002F11\u002Fbond-basics\u002Fwho-borrows-with-bonds",94,"Quién se endeuda con bonos","Gobiernos, ciudades y empresas",{"stage":99,"step":45,"id":777,"path":778,"node":779,"title":780,"subtitle":781,"topic":782,"track":756},"the-bond-seesaw","\u002Flearn\u002F11\u002Fbond-basics\u002Fthe-bond-seesaw",95,"El subibaja de los bonos","Cuando las tasas suben, el precio de los bonos ya emitidos baja","Tasas de interés",{"stage":99,"step":52,"id":784,"path":785,"node":786,"title":787,"subtitle":788,"topic":789,"track":756},"the-375-year-old-bond","\u002Flearn\u002F11\u002Fbond-basics\u002Fthe-375-year-old-bond",96,"Un bono más antiguo que Estados Unidos","Un bono de 1648 de una junta de aguas holandesa todavía le paga intereses a Yale hoy","Promesas",{"stage":99,"step":58,"id":791,"path":792,"node":793,"title":794,"subtitle":795,"topic":796,"track":756},"bonds-cant-lose-money","\u002Flearn\u002F11\u002Fbond-basics\u002Fbonds-cant-lose-money",97,"Los bonos no pueden perder dinero","En 2022, los bonos de EE. UU. tuvieron uno de los peores años de su historia","Riesgo de los bonos",{"stage":99,"step":64,"id":798,"path":799,"node":800,"title":801,"subtitle":802,"topic":803,"track":756},"the-king-who-kept-defaulting","\u002Flearn\u002F11\u002Fbond-basics\u002Fthe-king-who-kept-defaulting",98,"El rey de los impagos","Felipe II de España dejó de pagar sus deudas cuatro veces","Deuda soberana",{"stage":99,"step":70,"id":805,"path":806,"node":807,"title":808,"subtitle":809,"topic":810,"track":131},"the-price-of-certainty","\u002Flearn\u002F11\u002Fbond-basics\u002Fthe-price-of-certainty",99,"El precio de la certeza","Pagamos de más para que un riesgo desaparezca del todo","Psicología del riesgo",[812,813],{"track":756,"count":64},{"track":131,"count":5},{"zone":106,"title":815,"path":816,"tier":5,"theme":817,"lessons":822,"topics":883},"Index Funds","\u002Flearn\u002F12\u002Findex-funds",{"key":818,"name":819,"light":820,"dark":821},"index-isles","Index Isles","#0e7490","#0b8bab",[823,831,838,844,850,857,864,871,877],{"stage":106,"step":5,"id":824,"path":825,"node":826,"title":827,"subtitle":828,"topic":829,"track":830},"a-basket-instead-of-one-egg","\u002Flearn\u002F12\u002Findex-funds\u002Fa-basket-instead-of-one-egg",100,"Una canasta en vez de un solo huevo","Un fondo tiene muchas inversiones a la vez","Fondos","Fondos e índices",{"stage":106,"step":22,"id":832,"path":833,"node":834,"title":835,"subtitle":836,"topic":837,"track":830},"what-an-index-is","\u002Flearn\u002F12\u002Findex-funds\u002Fwhat-an-index-is",101,"Qué es un índice","Una lista que representa a todo el mercado","Índices",{"stage":106,"step":30,"id":839,"path":840,"node":841,"title":842,"subtitle":843,"topic":837,"track":830},"the-dow-started-with-12","\u002Flearn\u002F12\u002Findex-funds\u002Fthe-dow-started-with-12",102,"El Dow empezó con 12","Solo un miembro original llegó hasta este siglo",{"stage":106,"step":38,"id":845,"path":846,"node":847,"title":848,"subtitle":849,"topic":829,"track":830},"active-and-passive-funds","\u002Flearn\u002F12\u002Findex-funds\u002Factive-and-passive-funds",103,"Fondos activos y pasivos","Elegir acciones o comprar la lista entera",{"stage":106,"step":45,"id":851,"path":852,"node":853,"title":854,"subtitle":855,"topic":856,"track":830},"what-1-costs-over-a-lifetime","\u002Flearn\u002F12\u002Findex-funds\u002Fwhat-1-costs-over-a-lifetime",104,"Lo que cuesta un 1% en toda una vida","Una comisión pequeña puede llevarse un buen pedazo del resultado","Comisiones",{"stage":106,"step":52,"id":858,"path":859,"node":860,"title":861,"subtitle":862,"topic":863,"track":830},"most-pros-beat-the-market","\u002Flearn\u002F12\u002Findex-funds\u002Fmost-pros-beat-the-market",105,"La mayoría de los profesionales le ganan al mercado","En 15 años, la mayoría de los fondos de acciones de EE. UU. quedaron por detrás del S&P 500","Gestión activa",{"stage":106,"step":58,"id":865,"path":866,"node":867,"title":868,"subtitle":869,"topic":870,"track":830},"buffetts-million-dollar-bet","\u002Flearn\u002F12\u002Findex-funds\u002Fbuffetts-million-dollar-bet",106,"La apuesta millonaria de Buffett","Un simple fondo indexado le ganó en diez años a una selección de fondos de cobertura escogidos con lupa","Sencillez",{"stage":106,"step":64,"id":872,"path":873,"node":874,"title":875,"subtitle":876,"topic":829,"track":830},"etfs-and-mutual-funds","\u002Flearn\u002F12\u002Findex-funds\u002Fetfs-and-mutual-funds",107,"ETF y fondos mutuos","Dos envoltorios para la misma canasta",{"stage":106,"step":70,"id":878,"path":879,"node":880,"title":881,"subtitle":882,"topic":736,"track":131},"doing-nothing-is-hard","\u002Flearn\u002F12\u002Findex-funds\u002Fdoing-nothing-is-hard",108,"No hacer nada es difícil","Quienes más operaban eran los que menos ganaban",[884,885],{"track":830,"count":64},{"track":131,"count":5},{"zone":113,"title":887,"path":888,"tier":5,"theme":889,"lessons":894,"topics":954},"Rent or Buy","\u002Flearn\u002F13\u002Frent-or-buy",{"key":890,"name":891,"light":892,"dark":893},"brick-bay","Brick Bay","#a63f12","#c4511c",[895,903,910,916,922,928,935,941,947],{"stage":113,"step":5,"id":896,"path":897,"node":898,"title":899,"subtitle":900,"topic":901,"track":902},"rent-or-own-what-you-pay-for","\u002Flearn\u002F13\u002Frent-or-buy\u002Frent-or-own-what-you-pay-for",109,"Rentar o ser dueño: lo que pagas","Los dos cuestan dinero que nunca recuperas","Vivienda","Bienes raíces",{"stage":113,"step":22,"id":904,"path":905,"node":906,"title":907,"subtitle":908,"topic":909,"track":902},"how-a-mortgage-works","\u002Flearn\u002F13\u002Frent-or-buy\u002Fhow-a-mortgage-works",110,"Cómo funciona una hipoteca","Un préstamo para comprar una casa, pagado durante décadas","Hipotecas",{"stage":113,"step":30,"id":911,"path":912,"node":913,"title":914,"subtitle":915,"topic":909,"track":902},"the-30-year-mortgage-is-rare","\u002Flearn\u002F13\u002Frent-or-buy\u002Fthe-30-year-mortgage-is-rare",111,"La hipoteca a 30 años es una rareza","Pocos países fijan la tasa de un crédito hipotecario por 30 años",{"stage":113,"step":38,"id":917,"path":918,"node":919,"title":920,"subtitle":921,"topic":909,"track":902},"interest-comes-first","\u002Flearn\u002F13\u002Frent-or-buy\u002Finterest-comes-first",112,"Primero, los intereses","Los primeros pagos son sobre todo intereses",{"stage":113,"step":45,"id":923,"path":924,"node":925,"title":926,"subtitle":927,"topic":909,"track":902},"what-a-home-really-costs","\u002Flearn\u002F13\u002Frent-or-buy\u002Fwhat-a-home-really-costs",113,"Lo que realmente cuesta una casa","El precio de etiqueta contra todo lo que pagas",{"stage":113,"step":52,"id":929,"path":930,"node":931,"title":932,"subtitle":933,"topic":934,"track":902},"down-payments-and-equity","\u002Flearn\u002F13\u002Frent-or-buy\u002Fdown-payments-and-equity",114,"El enganche y el patrimonio","La parte de la casa que realmente es tuya","Patrimonio en vivienda",{"stage":113,"step":58,"id":936,"path":937,"node":938,"title":939,"subtitle":940,"topic":901,"track":902},"renting-is-throwing-money-away","\u002Flearn\u002F13\u002Frent-or-buy\u002Frenting-is-throwing-money-away",115,"Rentar es tirar el dinero","Los propietarios también tienen dinero que nunca recuperan",{"stage":113,"step":64,"id":942,"path":943,"node":944,"title":945,"subtitle":946,"topic":723,"track":902},"the-landlords-game","\u002Flearn\u002F13\u002Frent-or-buy\u002Fthe-landlords-game",116,"El juego del casero","Lizzie Magie inventó el juego que se convirtió en el Monopoly, para mostrar cómo tener tierras atrae la renta de todos, y le pagaron 500 dólares",{"stage":113,"step":70,"id":948,"path":949,"node":950,"title":951,"subtitle":952,"topic":953,"track":902},"getting-paid-by-a-building","\u002Flearn\u002F13\u002Frent-or-buy\u002Fgetting-paid-by-a-building",117,"Cuando un edificio te paga","Cómo funcionan los ingresos por renta","Propiedades en renta",[955],{"track":902,"count":70},{"zone":120,"title":957,"path":958,"tier":5,"theme":959,"lessons":964,"topics":1028},"Crypto Basics","\u002Flearn\u002F14\u002Fcrypto-basics",{"key":960,"name":961,"light":962,"dark":963},"block-mesa","Block Mesa","#7e22ce","#9638e6",[965,973,980,987,994,1001,1008,1015,1022],{"stage":120,"step":5,"id":966,"path":967,"node":968,"title":969,"subtitle":970,"topic":971,"track":972},"money-without-a-bank","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fmoney-without-a-bank",118,"Dinero sin banco","Bitcoin mueve valor sin nadie en el medio","Criptomonedas","Cripto y dinero digital",{"stage":120,"step":22,"id":974,"path":975,"node":976,"title":977,"subtitle":978,"topic":979,"track":972},"the-shared-notebook","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fthe-shared-notebook",119,"El cuaderno compartido","Una blockchain es un registro del que todos guardan una copia","Cadena de bloques",{"stage":120,"step":30,"id":981,"path":982,"node":983,"title":984,"subtitle":985,"topic":986,"track":972},"nobody-knows-who-made-bitcoin","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fnobody-knows-who-made-bitcoin",120,"Nadie sabe quién creó bitcoin","Su creador desapareció y dejó una fortuna intacta","Historia de las criptomonedas",{"stage":120,"step":38,"id":988,"path":989,"node":990,"title":991,"subtitle":992,"topic":993,"track":972},"why-only-21-million","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fwhy-only-21-million",121,"Por qué solo 21 millones","Una oferta monetaria fijada en el código","Oferta de bitcoin",{"stage":120,"step":45,"id":995,"path":996,"node":997,"title":998,"subtitle":999,"topic":1000,"track":972},"keys-and-wallets","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fkeys-and-wallets",122,"Claves y billeteras","Quien tiene la clave tiene las monedas","Seguridad cripto",{"stage":120,"step":52,"id":1002,"path":1003,"node":1004,"title":1005,"subtitle":1006,"topic":1007,"track":972},"the-10-000-bitcoin-pizza","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fthe-10-000-bitcoin-pizza",123,"La pizza de 10,000 bitcoins","En 2010, un programador compró dos pizzas con monedas que luego valdrían cientos de millones","Mirando atrás",{"stage":120,"step":58,"id":1009,"path":1010,"node":1011,"title":1012,"subtitle":1013,"topic":1014,"track":972},"crypto-is-anonymous","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fcrypto-is-anonymous",124,"Las criptomonedas son anónimas","Cada pago en bitcoin es público para siempre","Privacidad en criptomonedas",{"stage":120,"step":64,"id":1016,"path":1017,"node":1018,"title":1019,"subtitle":1020,"topic":1021,"track":131},"fear-of-missing-out","\u002Flearn\u002F14\u002Fcrypto-basics\u002Ffear-of-missing-out",125,"El miedo a perderse algo","Ver a otros hacerse ricos nos hace olvidar los riesgos","Efecto manada",{"stage":120,"step":70,"id":1023,"path":1024,"node":1025,"title":1026,"subtitle":1027,"topic":986,"track":972},"the-coin-that-started-as-a-joke","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fthe-coin-that-started-as-a-joke",126,"La moneda que nació como una broma","Dogecoin se creó para burlarse de las criptomonedas",[1029,1030],{"track":972,"count":64},{"track":131,"count":5},{"zone":127,"title":1032,"path":1033,"tier":5,"theme":1034,"lessons":1039,"topics":1102},"Bubbles & Scams","\u002Flearn\u002F15\u002Fbubbles-and-scams",{"key":1035,"name":1036,"light":1037,"dark":1038},"bubble-bay","Bubble Bay","#c0267a","#e04096",[1040,1048,1055,1062,1068,1074,1081,1088,1095],{"stage":127,"step":5,"id":1041,"path":1042,"node":1043,"title":1044,"subtitle":1045,"topic":1046,"track":1047},"what-a-bubble-is","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fwhat-a-bubble-is",127,"Qué es una burbuja","Cuando los precios flotan muy por encima de lo que valen las cosas","Burbujas","Burbujas, estafas y desplomes",{"stage":127,"step":22,"id":1049,"path":1050,"node":1051,"title":1052,"subtitle":1053,"topic":1054,"track":1047},"the-ponzi-shape","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fthe-ponzi-shape",128,"La forma del esquema Ponzi","A los inversionistas antiguos se les paga con el dinero de los nuevos","Fraude",{"stage":127,"step":30,"id":1056,"path":1057,"node":1058,"title":1059,"subtitle":1060,"topic":1061,"track":1047},"25-years-to-get-back","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002F25-years-to-get-back",129,"25 años para remontar","El Dow no recuperó su máximo de 1929 hasta 1954","Desplomes",{"stage":127,"step":38,"id":1063,"path":1064,"node":1065,"title":1066,"subtitle":1067,"topic":1054,"track":1047},"red-flags-of-a-scam","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fred-flags-of-a-scam",130,"Las señales de alarma de una estafa","Garantizado, urgente, secreto",{"stage":127,"step":45,"id":1069,"path":1070,"node":1071,"title":1072,"subtitle":1073,"topic":1054,"track":1047},"smart-people-dont-get-scammed","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fsmart-people-dont-get-scammed",131,"A la gente inteligente no la estafan","Los adultos jóvenes dicen perder dinero por fraude con más frecuencia que los mayores",{"stage":127,"step":52,"id":1075,"path":1076,"node":1077,"title":1078,"subtitle":1079,"topic":1080,"track":1047},"pump-and-dump","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fpump-and-dump",132,"El pump and dump","Dale bombo a una acción, véndesela a la multitud y desaparece","Manipulación del mercado",{"stage":127,"step":58,"id":1082,"path":1083,"node":1084,"title":1085,"subtitle":1086,"topic":1087,"track":1047},"tulip-mania","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Ftulip-mania",133,"La tulipomanía","Comerciantes holandeses llevaron simples bulbos de tulipán a precios de fantasía, aunque el desplome fue menor de lo que cuenta la leyenda","Multitudes",{"stage":127,"step":64,"id":1089,"path":1090,"node":1091,"title":1092,"subtitle":1093,"topic":1094,"track":131},"following-the-herd","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Ffollowing-the-herd",134,"Seguir al rebaño","Confiamos en la multitud incluso cuando se equivoca","Efecto rebaño",{"stage":127,"step":70,"id":1096,"path":1097,"node":1098,"title":1099,"subtitle":1100,"topic":1101,"track":1047},"ponzi-wasnt-first","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fponzi-wasnt-first",135,"Ponzi no fue el primero","Una mujer de Boston montó el mismo esquema 40 años antes","Historia del fraude",[1103,1104],{"track":1047,"count":64},{"track":131,"count":5},{"zone":135,"title":1106,"path":1107,"tier":5,"theme":1108,"lessons":1113,"topics":1175},"Money & Happiness","\u002Flearn\u002F16\u002Fmoney-and-happiness",{"key":1109,"name":1110,"light":1111,"dark":1112},"mind-maze","Mind Maze","#8a5a00","#a86e04",[1114,1121,1128,1134,1140,1147,1154,1161,1168],{"stage":135,"step":5,"id":1115,"path":1116,"node":1117,"title":1118,"subtitle":1119,"topic":1120,"track":131},"scarcity-shrinks-your-bandwidth","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fscarcity-shrinks-your-bandwidth",136,"La escasez reduce tu ancho de banda","Las preocupaciones por dinero ocupan espacio mental","Escasez",{"stage":135,"step":22,"id":1122,"path":1123,"node":1124,"title":1125,"subtitle":1126,"topic":1127,"track":131},"your-money-story","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fyour-money-story",137,"Tu historia con el dinero","Lo que aprendiste sobre el dinero de niño sigue llevando las riendas","Creencias sobre el dinero",{"stage":135,"step":30,"id":1129,"path":1130,"node":1131,"title":1132,"subtitle":1133,"topic":130,"track":131},"does-winning-the-lottery-make-you-happy","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fdoes-winning-the-lottery-make-you-happy",138,"¿Ganar la lotería te hace feliz?","El famoso estudio de los «ganadores desdichados» era diminuto",{"stage":135,"step":38,"id":1135,"path":1136,"node":1137,"title":1138,"subtitle":1139,"topic":130,"track":131},"money-and-happiness","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fmoney-and-happiness",139,"El dinero y la felicidad","Más dinero ayuda, hasta cierto punto y más allá",{"stage":135,"step":45,"id":1141,"path":1142,"node":1143,"title":1144,"subtitle":1145,"topic":1146,"track":131},"if-then-plans","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fif-then-plans",140,"Planes si-entonces","Decidir el momento de antemano hace que las metas se mantengan","Metas",{"stage":135,"step":52,"id":1148,"path":1149,"node":1150,"title":1151,"subtitle":1152,"topic":1153,"track":131},"one-percent-better","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fone-percent-better",141,"Uno por ciento mejor","Los pequeños avances diarios crecen como el interés compuesto","Hábitos",{"stage":135,"step":58,"id":1155,"path":1156,"node":1157,"title":1158,"subtitle":1159,"topic":1160,"track":131},"millionaires-mostly-inherited-it","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fmillionaires-mostly-inherited-it",142,"La mayoría de los millonarios heredó","En un estudio clásico, casi todos los millonarios de EE. UU. hicieron su fortuna por sí mismos","Riqueza",{"stage":135,"step":64,"id":1162,"path":1163,"node":1164,"title":1165,"subtitle":1166,"topic":1167,"track":131},"the-ant-and-the-grasshopper","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fthe-ant-and-the-grasshopper",143,"La hormiga y el saltamontes","La hormiga de Esopo guarda grano mientras el saltamontes canta todo el verano","Planificación",{"stage":135,"step":70,"id":1169,"path":1170,"node":1171,"title":1172,"subtitle":1173,"topic":1174,"track":131},"comparison-is-a-thief","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fcomparison-is-a-thief",144,"La comparación es una ladrona","El sueldo de tus vecinos cambia lo que sientes por el tuyo","Comparación",[1176],{"track":131,"count":70},{"zone":142,"title":1178,"path":1179,"tier":22,"theme":8,"lessons":1180,"topics":1239},"Gold & the Dollar","\u002Flearn\u002F17\u002Fgold-and-the-dollar",[1181,1188,1195,1201,1208,1214,1220,1226,1233],{"stage":142,"step":5,"id":1182,"path":1183,"node":1184,"title":1185,"subtitle":1186,"topic":1187,"track":28},"the-gold-standard","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-gold-standard",145,"El patrón oro","Cuando cada dólar se podía cambiar por oro","Historia monetaria",{"stage":142,"step":22,"id":1189,"path":1190,"node":1191,"title":1192,"subtitle":1193,"topic":1194,"track":28},"the-100-000-bill","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-100-000-bill",146,"El billete de 100,000 dólares","Existe, pero nunca podrías gastarlo","Moneda",{"stage":142,"step":30,"id":1196,"path":1197,"node":1198,"title":1199,"subtitle":1200,"topic":1187,"track":28},"greenbacks-money-for-a-war","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fgreenbacks-money-for-a-war",147,"Greenbacks: dinero para una guerra","La Guerra de Secesión le dio a Estados Unidos papel moneda respaldado por la ley, no por oro",{"stage":142,"step":38,"id":1202,"path":1203,"node":1204,"title":1205,"subtitle":1206,"topic":1207,"track":28},"the-dollar-is-backed-by-gold","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-dollar-is-backed-by-gold",148,"El dólar está respaldado por oro","No lo está desde 1971","Dinero fiduciario",{"stage":142,"step":45,"id":1209,"path":1210,"node":1211,"title":1212,"subtitle":1213,"topic":19,"track":28},"who-makes-the-dollar","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fwho-makes-the-dollar",149,"Quién fabrica el dólar","La Casa de Moneda, la imprenta de billetes y la Fed",{"stage":142,"step":52,"id":1215,"path":1216,"node":1217,"title":1218,"subtitle":1219,"topic":492,"track":28},"the-stone-that-sank","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-stone-that-sank",150,"La piedra que se hundió","En Yap, una gigantesca moneda de piedra perdida en el mar seguía contando como riqueza, porque todos estaban de acuerdo en que existía",{"stage":142,"step":58,"id":1221,"path":1222,"node":1223,"title":1224,"subtitle":1225,"topic":1194,"track":28},"dollar-bills-are-mostly-cotton","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fdollar-bills-are-mostly-cotton",151,"Los billetes de dólar son casi todo algodón","Por eso sobreviven a la lavadora",{"stage":142,"step":64,"id":1227,"path":1228,"node":1229,"title":1230,"subtitle":1231,"topic":1232,"track":28},"checks-cards-and-taps","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fchecks-cards-and-taps",152,"Cheques, tarjetas y toques","Cómo los estadounidenses pasaron del papel al plástico y al celular","Pagos",{"stage":142,"step":70,"id":1234,"path":1235,"node":1236,"title":1237,"subtitle":1238,"topic":520,"track":131},"the-endowment-effect","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-endowment-effect",153,"El efecto dotación","Tener algo hace que parezca valer más",[1240,1241],{"track":28,"count":64},{"track":131,"count":5},{"zone":150,"title":1243,"path":1244,"tier":22,"theme":83,"lessons":1245,"topics":1307},"Pay & Benefits","\u002Flearn\u002F18\u002Fpay-and-benefits",[1246,1253,1260,1267,1273,1280,1287,1293,1300],{"stage":150,"step":5,"id":1247,"path":1248,"node":1249,"title":1250,"subtitle":1251,"topic":1252,"track":36},"your-total-compensation","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fyour-total-compensation",154,"Tu compensación total","Tu sueldo es solo una parte de lo que paga un trabajo","Compensación",{"stage":150,"step":22,"id":1254,"path":1255,"node":1256,"title":1257,"subtitle":1258,"topic":1259,"track":36},"the-employer-match","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fthe-employer-match",155,"El aporte del empleador","Dinero que tu empleador agrega cuando ahorras","Planes de jubilación",{"stage":150,"step":30,"id":1261,"path":1262,"node":1263,"title":1264,"subtitle":1265,"topic":1266,"track":36},"a-dozen-jobs-in-a-lifetime","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fa-dozen-jobs-in-a-lifetime",156,"Una docena de empleos en una vida","La trayectoria laboral promedio en EE. UU. tiene muchos capítulos","Carrera profesional",{"stage":150,"step":38,"id":1268,"path":1269,"node":1270,"title":1271,"subtitle":1272,"topic":102,"track":36},"w-2-or-1099","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fw-2-or-1099",157,"W-2 o 1099","Ser empleado o contratista cambia tus impuestos",{"stage":150,"step":45,"id":1274,"path":1275,"node":1276,"title":1277,"subtitle":1278,"topic":1279,"track":36},"every-hour-over-40-pays-extra","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fevery-hour-over-40-pays-extra",158,"Cada hora después de las 40 se paga extra","Muchos asalariados no cobran ni una hora extra","Derecho laboral",{"stage":150,"step":52,"id":1281,"path":1282,"node":1283,"title":1284,"subtitle":1285,"topic":1286,"track":36},"negotiating-your-pay","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fnegotiating-your-pay",159,"Negociar tu sueldo","La primera cifra sobre la mesa marca el resultado","Negociación",{"stage":150,"step":58,"id":1288,"path":1289,"node":1290,"title":1291,"subtitle":1292,"topic":123,"track":36},"what-a-raise-is-worth","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fwhat-a-raise-is-worth",160,"Lo que vale un aumento","Un pequeño aumento se multiplica a lo largo de una carrera",{"stage":150,"step":64,"id":1294,"path":1295,"node":1296,"title":1297,"subtitle":1298,"topic":1299,"track":131},"the-sunk-cost-trap","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fthe-sunk-cost-trap",161,"La trampa del costo hundido","Los años ya gastados no deberían decidir los siguientes","Toma de decisiones",{"stage":150,"step":70,"id":1301,"path":1302,"node":1303,"title":1304,"subtitle":1305,"topic":1306,"track":36},"the-bobbin-boy","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fthe-bobbin-boy",162,"El chico de las bobinas","Andrew Carnegie empezó ganando 1.20 dólares a la semana en una fábrica de algodón, levantó un imperio del acero y regaló la mayor parte","Ambición",[1308,1309],{"track":36,"count":64},{"track":131,"count":5},{"zone":169,"title":1311,"path":1312,"tier":22,"theme":160,"lessons":1313,"topics":1376},"Starting a Business","\u002Flearn\u002F19\u002Fstarting-a-business",[1314,1321,1328,1335,1342,1349,1356,1362,1369],{"stage":169,"step":5,"id":1315,"path":1316,"node":1317,"title":1318,"subtitle":1319,"topic":1320,"track":173},"find-a-problem-people-pay-for","\u002Flearn\u002F19\u002Fstarting-a-business\u002Ffind-a-problem-people-pay-for",163,"Encuentra un problema por el que la gente pague","Los negocios venden soluciones a dolores reales","Ideas",{"stage":169,"step":22,"id":1322,"path":1323,"node":1324,"title":1325,"subtitle":1326,"topic":1327,"track":173},"your-first-customer","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fyour-first-customer",164,"Tu primer cliente","Véndelo antes de crearlo","Validación",{"stage":169,"step":30,"id":1329,"path":1330,"node":1331,"title":1332,"subtitle":1333,"topic":1334,"track":173},"post-it-notes-were-a-failed-glue","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fpost-it-notes-were-a-failed-glue",165,"Los Post-it nacieron de un pegamento fallido","Un adhesivo débil que terminó siendo un éxito de ventas","Inventos",{"stage":169,"step":38,"id":1336,"path":1337,"node":1338,"title":1339,"subtitle":1340,"topic":1341,"track":173},"a-business-needs-employees","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fa-business-needs-employees",166,"Un negocio necesita empleados","Unos cuatro de cada cinco negocios de EE. UU. no tienen ninguno","Pequeños negocios",{"stage":169,"step":45,"id":1343,"path":1344,"node":1345,"title":1346,"subtitle":1347,"topic":1348,"track":173},"spanxs-5-000","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fspanxs-5-000",167,"Los 5,000 dólares de Spanx","Sara Blakely vendía faxes puerta a puerta, cortó los pies de sus medias y creó Spanx con 5,000 dólares ahorrados","Empezar",{"stage":169,"step":52,"id":1350,"path":1351,"node":1352,"title":1353,"subtitle":1354,"topic":1355,"track":173},"cost-plus-or-value-pricing","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fcost-plus-or-value-pricing",168,"Costo más margen o precio por valor","Cobra lo que cuesta o lo que vale","Fijación de precios",{"stage":169,"step":58,"id":1357,"path":1358,"node":1359,"title":1360,"subtitle":1361,"topic":200,"track":173},"how-many-customers-to-quit-your-job","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fhow-many-customers-to-quit-your-job",169,"¿Cuántos clientes para renunciar a tu trabajo?","Tu número de escape, en clientes",{"stage":169,"step":64,"id":1363,"path":1364,"node":1365,"title":1366,"subtitle":1367,"topic":1368,"track":173},"bootstrapping-or-investors","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fbootstrapping-or-investors",170,"¿Con lo tuyo o con inversionistas?","Usa tu propio dinero o vende una parte de la empresa","Financiamiento",{"stage":169,"step":70,"id":1370,"path":1371,"node":1372,"title":1373,"subtitle":1374,"topic":1375,"track":131},"the-spotlight-effect","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fthe-spotlight-effect",171,"El efecto foco","La gente se fija en ti mucho menos de lo que crees","Miedo al qué dirán",[1377,1378],{"track":173,"count":64},{"track":131,"count":5},{"zone":177,"title":1380,"path":1381,"tier":22,"theme":235,"lessons":1382,"topics":1441},"Lifestyle Creep","\u002Flearn\u002F20\u002Flifestyle-creep",[1383,1389,1395,1402,1408,1415,1421,1428,1434],{"stage":177,"step":5,"id":1384,"path":1385,"node":1386,"title":1387,"subtitle":1388,"topic":247,"track":248},"fixed-and-variable-costs-at-home","\u002Flearn\u002F20\u002Flifestyle-creep\u002Ffixed-and-variable-costs-at-home",172,"Costos fijos y variables en casa","Los gastos que nunca se mueven y los que controlas tú",{"stage":177,"step":22,"id":1390,"path":1391,"node":1392,"title":1393,"subtitle":1394,"topic":261,"track":248},"the-decoy-price","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-decoy-price",173,"El precio señuelo","Una opción inútil puede hacer que otra parezca una ganga",{"stage":177,"step":30,"id":1396,"path":1397,"node":1398,"title":1399,"subtitle":1400,"topic":1401,"track":248},"lifestyle-creep","\u002Flearn\u002F20\u002Flifestyle-creep\u002Flifestyle-creep",174,"La inflación del estilo de vida","Cuando el gasto crece al ritmo de cada aumento de sueldo","Gasto",{"stage":177,"step":38,"id":1403,"path":1404,"node":1405,"title":1406,"subtitle":1407,"topic":247,"track":248},"sinking-funds","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fsinking-funds",175,"Los fondos de amortización","Apartar un poco cada mes para los gastos que sabes que llegarán",{"stage":177,"step":45,"id":1409,"path":1410,"node":1411,"title":1412,"subtitle":1413,"topic":1414,"track":248},"a-new-car-is-an-investment","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fa-new-car-is-an-investment",176,"Un auto nuevo es una inversión","La mayoría de los autos pierden valor rápido","Autos",{"stage":177,"step":52,"id":1416,"path":1417,"node":1418,"title":1419,"subtitle":1420,"topic":1414,"track":248},"the-true-cost-of-a-car","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-true-cost-of-a-car",177,"El costo real de un auto","La cuota, el seguro, la gasolina, las reparaciones y el valor que pierde",{"stage":177,"step":58,"id":1422,"path":1423,"node":1424,"title":1425,"subtitle":1426,"topic":1427,"track":248},"the-diderot-effect","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-diderot-effect",178,"El efecto Diderot","La preciosa bata nueva de un filósofo hizo que todo lo suyo pareciera pobre, y los cambios ya no pararon","El deseo",{"stage":177,"step":64,"id":1429,"path":1430,"node":1431,"title":1432,"subtitle":1433,"topic":520,"track":131},"the-ikea-effect","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-ikea-effect",179,"El efecto IKEA","Amamos lo que construimos nosotros mismos",{"stage":177,"step":70,"id":1435,"path":1436,"node":1437,"title":1438,"subtitle":1439,"topic":1440,"track":248},"the-30-day-pause","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-30-day-pause",180,"La pausa de 30 días","Esperar antes de un capricho te muestra si aún lo quieres","Hábitos de gasto",[1442,1443],{"track":248,"count":64},{"track":131,"count":5},{"stage":120,"step":45,"node":997,"id":995,"language":1445,"title":998,"subtitle":999,"topic":1000,"track":972,"is_supernode":1446,"languages":1447,"hash":1452,"intro":1453,"num_slides":52,"num_questions":45,"minutes":30},"es-419",false,[1448,1449,1445,1450,1451],"de","es","fr","it","03e81515d559c104",{"icon":1454,"hook":1455,"discover":1456,"why":1460},"key.fill","Si olvidas la contraseña del banco, una llamada lo arregla. Si olvidas doce palabras cripto, ¿cuánto tardan tus monedas en volver?",[1457,1458,1459],"Lo que guarda de verdad una billetera cripto","Cuánto se tardaría en adivinar una clave","Por qué vale la pena proteger doce palabras","Ninguna clave cripto tiene un banco detrás. Entender lo que eso significa te enseña el trato antes de cerrarlo."]