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Los antropólogos no lo encuentran",{"stage":25,"step":78,"id":79,"path":80,"node":78,"title":81,"subtitle":82,"topic":70,"track":48},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":25,"step":84,"id":85,"path":86,"node":84,"title":87,"subtitle":88,"topic":70,"track":48},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":25,"step":90,"id":91,"path":92,"node":90,"title":93,"subtitle":94,"topic":95,"track":48},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",[97,98,99],{"track":48,"count":78},{"track":40,"count":25},{"track":56,"count":25},{"zone":42,"title":101,"path":102,"tier":25,"theme":103,"lessons":108,"topics":173},"The Rat Race","\u002Flearn\u002F2\u002Fthe-rat-race",{"key":104,"name":105,"light":106,"dark":107},"clockwork-city","Clockwork City","#c2410c","#e2581a",[109,116,123,130,137,144,152,159,167],{"stage":42,"step":25,"id":110,"path":111,"node":112,"title":113,"subtitle":114,"topic":115,"track":56},"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":42,"step":42,"id":117,"path":118,"node":119,"title":120,"subtitle":121,"topic":122,"track":56},"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":42,"step":50,"id":124,"path":125,"node":126,"title":127,"subtitle":128,"topic":129,"track":56},"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":42,"step":58,"id":131,"path":132,"node":133,"title":134,"subtitle":135,"topic":136,"track":56},"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":42,"step":65,"id":138,"path":139,"node":140,"title":141,"subtitle":142,"topic":143,"track":56},"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":42,"step":72,"id":145,"path":146,"node":147,"title":148,"subtitle":149,"topic":150,"track":151},"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":42,"step":78,"id":153,"path":154,"node":155,"title":156,"subtitle":157,"topic":158,"track":56},"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":42,"step":84,"id":160,"path":161,"node":162,"title":163,"subtitle":164,"topic":165,"track":166},"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":42,"step":90,"id":168,"path":169,"node":170,"title":171,"subtitle":172,"topic":165,"track":56},"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",[174,175,176],{"track":56,"count":78},{"track":151,"count":25},{"track":166,"count":25},{"zone":50,"title":178,"path":179,"tier":25,"theme":180,"lessons":185,"topics":249},"Business Basics","\u002Flearn\u002F3\u002Fbusiness-basics",{"key":181,"name":182,"light":183,"dark":184},"founders-garage","Founders' Garage","#1d4ed8","#3b7cf0",[186,194,201,208,214,221,228,235,242],{"stage":50,"step":25,"id":187,"path":188,"node":189,"title":190,"subtitle":191,"topic":192,"track":193},"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":50,"step":42,"id":195,"path":196,"node":197,"title":198,"subtitle":199,"topic":200,"track":193},"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":50,"step":50,"id":202,"path":203,"node":204,"title":205,"subtitle":206,"topic":207,"track":193},"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":50,"step":58,"id":209,"path":210,"node":211,"title":212,"subtitle":213,"topic":207,"track":193},"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":50,"step":65,"id":215,"path":216,"node":217,"title":218,"subtitle":219,"topic":220,"track":193},"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":50,"step":72,"id":222,"path":223,"node":224,"title":225,"subtitle":226,"topic":227,"track":193},"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":50,"step":78,"id":229,"path":230,"node":231,"title":232,"subtitle":233,"topic":234,"track":151},"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":50,"step":84,"id":236,"path":237,"node":238,"title":239,"subtitle":240,"topic":241,"track":193},"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":50,"step":90,"id":243,"path":244,"node":245,"title":246,"subtitle":247,"topic":248,"track":193},"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",[250,251],{"track":193,"count":84},{"track":151,"count":25},{"zone":58,"title":253,"path":254,"tier":25,"theme":255,"lessons":260,"topics":323},"Budgeting Basics","\u002Flearn\u002F4\u002Fbudgeting-basics",{"key":256,"name":257,"light":258,"dark":259},"market-bazaar","Market Bazaar","#be185d","#d9327a",[261,269,275,282,289,296,303,310,316],{"stage":58,"step":25,"id":262,"path":263,"node":264,"title":265,"subtitle":266,"topic":267,"track":268},"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":58,"step":42,"id":270,"path":271,"node":272,"title":273,"subtitle":274,"topic":267,"track":268},"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":58,"step":50,"id":276,"path":277,"node":278,"title":279,"subtitle":280,"topic":281,"track":268},"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":58,"step":58,"id":283,"path":284,"node":285,"title":286,"subtitle":287,"topic":288,"track":268},"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":58,"step":65,"id":290,"path":291,"node":292,"title":293,"subtitle":294,"topic":295,"track":151},"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":58,"step":72,"id":297,"path":298,"node":299,"title":300,"subtitle":301,"topic":302,"track":268},"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":58,"step":78,"id":304,"path":305,"node":306,"title":307,"subtitle":308,"topic":309,"track":268},"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":58,"step":84,"id":311,"path":312,"node":313,"title":314,"subtitle":315,"topic":267,"track":268},"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":58,"step":90,"id":317,"path":318,"node":319,"title":320,"subtitle":321,"topic":322,"track":268},"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",[324,325],{"track":268,"count":84},{"track":151,"count":25},{"zone":65,"title":327,"path":328,"tier":25,"theme":329,"lessons":334,"topics":394},"Compound Interest","\u002Flearn\u002F5\u002Fcompound-interest",{"key":330,"name":331,"light":332,"dark":333},"compound-gardens","Compound Gardens","#4d7c0f","#5f9410",[335,342,349,356,362,368,374,381,388],{"stage":65,"step":25,"id":336,"path":337,"node":338,"title":339,"subtitle":340,"topic":341,"track":166},"pay-yourself-first","\u002Flearn\u002F5\u002Fcompound-interest\u002Fpay-yourself-first",37,"Págate primero a ti","Ahorra antes de gastar, no después","Ahorro",{"stage":65,"step":42,"id":343,"path":344,"node":345,"title":346,"subtitle":347,"topic":348,"track":166},"simple-interest","\u002Flearn\u002F5\u002Fcompound-interest\u002Fsimple-interest",38,"Interés simple","Intereses solo sobre lo que pones","Interés",{"stage":65,"step":50,"id":350,"path":351,"node":352,"title":353,"subtitle":354,"topic":355,"track":166},"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":65,"step":58,"id":357,"path":358,"node":359,"title":360,"subtitle":361,"topic":355,"track":166},"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":65,"step":65,"id":363,"path":364,"node":365,"title":366,"subtitle":367,"topic":355,"track":166},"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":65,"step":72,"id":369,"path":370,"node":371,"title":372,"subtitle":373,"topic":355,"track":166},"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":65,"step":78,"id":375,"path":376,"node":377,"title":378,"subtitle":379,"topic":380,"track":166},"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":65,"step":84,"id":382,"path":383,"node":384,"title":385,"subtitle":386,"topic":387,"track":151},"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":65,"step":90,"id":389,"path":390,"node":391,"title":392,"subtitle":393,"topic":341,"track":166},"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",[395,396],{"track":166,"count":84},{"track":151,"count":25},{"zone":72,"title":398,"path":399,"tier":25,"theme":400,"lessons":405,"topics":467},"Debt & Credit","\u002Flearn\u002F6\u002Fdebt-and-credit",{"key":401,"name":402,"light":403,"dark":404},"debt-canyon","Debt Canyon","#b42318","#d63b2f",[406,414,420,427,433,440,446,453,460],{"stage":72,"step":25,"id":407,"path":408,"node":409,"title":410,"subtitle":411,"topic":412,"track":413},"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":72,"step":42,"id":415,"path":416,"node":417,"title":418,"subtitle":419,"topic":412,"track":413},"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":72,"step":50,"id":421,"path":422,"node":423,"title":424,"subtitle":425,"topic":426,"track":413},"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":72,"step":58,"id":428,"path":429,"node":430,"title":431,"subtitle":432,"topic":426,"track":413},"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":72,"step":65,"id":434,"path":435,"node":436,"title":437,"subtitle":438,"topic":439,"track":413},"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":72,"step":72,"id":441,"path":442,"node":443,"title":444,"subtitle":445,"topic":412,"track":413},"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":72,"step":78,"id":447,"path":448,"node":449,"title":450,"subtitle":451,"topic":452,"track":151},"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":72,"step":84,"id":454,"path":455,"node":456,"title":457,"subtitle":458,"topic":459,"track":413},"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":72,"step":90,"id":461,"path":462,"node":463,"title":464,"subtitle":465,"topic":466,"track":413},"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",[468,469],{"track":413,"count":84},{"track":151,"count":25},{"zone":78,"title":471,"path":472,"tier":25,"theme":473,"lessons":478,"topics":541},"How Banks Work","\u002Flearn\u002F7\u002Fhow-banks-work",{"key":474,"name":475,"light":476,"dark":477},"vault-district","Vault District","#0f766e","#0d8f86",[479,486,492,499,506,513,520,527,534],{"stage":78,"step":25,"id":480,"path":481,"node":482,"title":483,"subtitle":484,"topic":485,"track":40},"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":78,"step":42,"id":487,"path":488,"node":489,"title":490,"subtitle":491,"topic":485,"track":40},"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":78,"step":50,"id":493,"path":494,"node":495,"title":496,"subtitle":497,"topic":498,"track":40},"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":78,"step":58,"id":500,"path":501,"node":502,"title":503,"subtitle":504,"topic":505,"track":40},"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":78,"step":65,"id":507,"path":508,"node":509,"title":510,"subtitle":511,"topic":512,"track":40},"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":78,"step":72,"id":514,"path":515,"node":516,"title":517,"subtitle":518,"topic":519,"track":40},"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":78,"step":78,"id":521,"path":522,"node":523,"title":524,"subtitle":525,"topic":526,"track":40},"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":78,"step":84,"id":528,"path":529,"node":530,"title":531,"subtitle":532,"topic":533,"track":40},"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":78,"step":90,"id":535,"path":536,"node":537,"title":538,"subtitle":539,"topic":540,"track":151},"mental-accounting","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fmental-accounting",63,"Contabilidad mental","Un dólar es un dólar, pero no lo tratamos así","Economía conductual",[542,543],{"track":40,"count":84},{"track":151,"count":25},{"zone":84,"title":545,"path":546,"tier":25,"theme":547,"lessons":552,"topics":612},"Inflation Basics","\u002Flearn\u002F8\u002Finflation-basics",{"key":548,"name":549,"light":550,"dark":551},"balloon-heights","Balloon Heights","#6d30dc","#8556ee",[553,561,567,573,579,585,591,598,605],{"stage":84,"step":25,"id":554,"path":555,"node":556,"title":557,"subtitle":558,"topic":559,"track":560},"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":84,"step":42,"id":562,"path":563,"node":564,"title":565,"subtitle":566,"topic":281,"track":560},"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":84,"step":50,"id":568,"path":569,"node":570,"title":571,"subtitle":572,"topic":559,"track":560},"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":84,"step":58,"id":574,"path":575,"node":576,"title":577,"subtitle":578,"topic":559,"track":560},"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":84,"step":65,"id":580,"path":581,"node":582,"title":583,"subtitle":584,"topic":559,"track":560},"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":84,"step":72,"id":586,"path":587,"node":588,"title":589,"subtitle":590,"topic":519,"track":560},"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":84,"step":78,"id":592,"path":593,"node":594,"title":595,"subtitle":596,"topic":597,"track":560},"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":84,"step":84,"id":599,"path":600,"node":601,"title":602,"subtitle":603,"topic":604,"track":560},"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":84,"step":90,"id":606,"path":607,"node":608,"title":609,"subtitle":610,"topic":611,"track":560},"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",[613],{"track":560,"count":90},{"zone":90,"title":615,"path":616,"tier":25,"theme":617,"lessons":622,"topics":685},"Risk & Insurance","\u002Flearn\u002F9\u002Frisk-and-insurance",{"key":618,"name":619,"light":620,"dark":621},"safety-net-cove","Safety Net Cove","#0369a1","#0a82c4",[623,631,638,645,651,658,665,671,678],{"stage":90,"step":25,"id":624,"path":625,"node":626,"title":627,"subtitle":628,"topic":629,"track":630},"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":90,"step":42,"id":632,"path":633,"node":634,"title":635,"subtitle":636,"topic":637,"track":630},"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":90,"step":50,"id":639,"path":640,"node":641,"title":642,"subtitle":643,"topic":644,"track":630},"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":90,"step":58,"id":646,"path":647,"node":648,"title":649,"subtitle":650,"topic":644,"track":630},"expected-value","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fexpected-value",76,"El valor esperado","Lo que vale una apuesta en promedio",{"stage":90,"step":65,"id":652,"path":653,"node":654,"title":655,"subtitle":656,"topic":657,"track":630},"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":90,"step":72,"id":659,"path":660,"node":661,"title":662,"subtitle":663,"topic":664,"track":151},"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":90,"step":78,"id":666,"path":667,"node":668,"title":669,"subtitle":670,"topic":637,"track":630},"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":90,"step":84,"id":672,"path":673,"node":674,"title":675,"subtitle":676,"topic":677,"track":630},"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":90,"step":90,"id":679,"path":680,"node":681,"title":682,"subtitle":683,"topic":684,"track":630},"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",[686,687],{"track":630,"count":84},{"track":151,"count":25},{"zone":112,"title":689,"path":690,"tier":25,"theme":691,"lessons":696,"topics":757},"Stock Basics","\u002Flearn\u002F10\u002Fstock-basics",{"key":692,"name":693,"light":694,"dark":695},"bull-ridge","Bull Ridge","#9a5b06","#b86e08",[697,705,711,718,724,731,737,744,750],{"stage":112,"step":25,"id":698,"path":699,"node":700,"title":701,"subtitle":702,"topic":703,"track":704},"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":112,"step":42,"id":706,"path":707,"node":708,"title":709,"subtitle":710,"topic":703,"track":704},"how-shareholders-get-paid","\u002Flearn\u002F10\u002Fstock-basics\u002Fhow-shareholders-get-paid",83,"Cómo cobran los accionistas","Dividendos y un precio que sube",{"stage":112,"step":50,"id":712,"path":713,"node":714,"title":715,"subtitle":716,"topic":717,"track":704},"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":112,"step":58,"id":719,"path":720,"node":721,"title":722,"subtitle":723,"topic":717,"track":704},"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":112,"step":65,"id":725,"path":726,"node":727,"title":728,"subtitle":729,"topic":730,"track":704},"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":112,"step":72,"id":732,"path":733,"node":734,"title":735,"subtitle":736,"topic":730,"track":704},"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":112,"step":78,"id":738,"path":739,"node":740,"title":741,"subtitle":742,"topic":743,"track":704},"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":112,"step":84,"id":745,"path":746,"node":747,"title":748,"subtitle":749,"topic":380,"track":704},"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":112,"step":90,"id":751,"path":752,"node":753,"title":754,"subtitle":755,"topic":756,"track":151},"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",[758,759],{"track":704,"count":84},{"track":151,"count":25},{"zone":119,"title":761,"path":762,"tier":25,"theme":763,"lessons":768,"topics":831},"Bond Basics","\u002Flearn\u002F11\u002Fbond-basics",{"key":764,"name":765,"light":766,"dark":767},"bond-bridge","Bond Bridge","#4f46e5","#6a6af2",[769,777,783,790,796,803,810,817,824],{"stage":119,"step":25,"id":770,"path":771,"node":772,"title":773,"subtitle":774,"topic":775,"track":776},"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":119,"step":42,"id":778,"path":779,"node":780,"title":781,"subtitle":782,"topic":775,"track":776},"coupon-maturity-face-value","\u002Flearn\u002F11\u002Fbond-basics\u002Fcoupon-maturity-face-value",92,"Cupón, vencimiento, valor nominal","Los tres números de todo bono",{"stage":119,"step":50,"id":784,"path":785,"node":786,"title":787,"subtitle":788,"topic":789,"track":776},"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":119,"step":58,"id":791,"path":792,"node":793,"title":794,"subtitle":795,"topic":775,"track":776},"who-borrows-with-bonds","\u002Flearn\u002F11\u002Fbond-basics\u002Fwho-borrows-with-bonds",94,"Quién se endeuda con bonos","Gobiernos, ciudades y empresas",{"stage":119,"step":65,"id":797,"path":798,"node":799,"title":800,"subtitle":801,"topic":802,"track":776},"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":119,"step":72,"id":804,"path":805,"node":806,"title":807,"subtitle":808,"topic":809,"track":776},"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":119,"step":78,"id":811,"path":812,"node":813,"title":814,"subtitle":815,"topic":816,"track":776},"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":119,"step":84,"id":818,"path":819,"node":820,"title":821,"subtitle":822,"topic":823,"track":776},"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":119,"step":90,"id":825,"path":826,"node":827,"title":828,"subtitle":829,"topic":830,"track":151},"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",[832,833],{"track":776,"count":84},{"track":151,"count":25},{"zone":126,"title":835,"path":836,"tier":25,"theme":837,"lessons":842,"topics":903},"Index Funds","\u002Flearn\u002F12\u002Findex-funds",{"key":838,"name":839,"light":840,"dark":841},"index-isles","Index Isles","#0e7490","#0b8bab",[843,851,858,864,870,877,884,891,897],{"stage":126,"step":25,"id":844,"path":845,"node":846,"title":847,"subtitle":848,"topic":849,"track":850},"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":126,"step":42,"id":852,"path":853,"node":854,"title":855,"subtitle":856,"topic":857,"track":850},"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":126,"step":50,"id":859,"path":860,"node":861,"title":862,"subtitle":863,"topic":857,"track":850},"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":126,"step":58,"id":865,"path":866,"node":867,"title":868,"subtitle":869,"topic":849,"track":850},"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":126,"step":65,"id":871,"path":872,"node":873,"title":874,"subtitle":875,"topic":876,"track":850},"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":126,"step":72,"id":878,"path":879,"node":880,"title":881,"subtitle":882,"topic":883,"track":850},"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":126,"step":78,"id":885,"path":886,"node":887,"title":888,"subtitle":889,"topic":890,"track":850},"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":126,"step":84,"id":892,"path":893,"node":894,"title":895,"subtitle":896,"topic":849,"track":850},"etfs-and-mutual-funds","\u002Flearn\u002F12\u002Findex-funds\u002Fetfs-and-mutual-funds",107,"ETF y fondos mutuos","Dos envoltorios para la misma canasta",{"stage":126,"step":90,"id":898,"path":899,"node":900,"title":901,"subtitle":902,"topic":756,"track":151},"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",[904,905],{"track":850,"count":84},{"track":151,"count":25},{"zone":133,"title":907,"path":908,"tier":25,"theme":909,"lessons":914,"topics":974},"Rent or Buy","\u002Flearn\u002F13\u002Frent-or-buy",{"key":910,"name":911,"light":912,"dark":913},"brick-bay","Brick Bay","#a63f12","#c4511c",[915,923,930,936,942,948,955,961,967],{"stage":133,"step":25,"id":916,"path":917,"node":918,"title":919,"subtitle":920,"topic":921,"track":922},"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":133,"step":42,"id":924,"path":925,"node":926,"title":927,"subtitle":928,"topic":929,"track":922},"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":133,"step":50,"id":931,"path":932,"node":933,"title":934,"subtitle":935,"topic":929,"track":922},"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":133,"step":58,"id":937,"path":938,"node":939,"title":940,"subtitle":941,"topic":929,"track":922},"interest-comes-first","\u002Flearn\u002F13\u002Frent-or-buy\u002Finterest-comes-first",112,"Primero, los intereses","Los primeros pagos son sobre todo intereses",{"stage":133,"step":65,"id":943,"path":944,"node":945,"title":946,"subtitle":947,"topic":929,"track":922},"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":133,"step":72,"id":949,"path":950,"node":951,"title":952,"subtitle":953,"topic":954,"track":922},"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":133,"step":78,"id":956,"path":957,"node":958,"title":959,"subtitle":960,"topic":921,"track":922},"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":133,"step":84,"id":962,"path":963,"node":964,"title":965,"subtitle":966,"topic":743,"track":922},"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":133,"step":90,"id":968,"path":969,"node":970,"title":971,"subtitle":972,"topic":973,"track":922},"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",[975],{"track":922,"count":90},{"zone":140,"title":977,"path":978,"tier":25,"theme":979,"lessons":984,"topics":1048},"Crypto Basics","\u002Flearn\u002F14\u002Fcrypto-basics",{"key":980,"name":981,"light":982,"dark":983},"block-mesa","Block Mesa","#7e22ce","#9638e6",[985,993,1000,1007,1014,1021,1028,1035,1042],{"stage":140,"step":25,"id":986,"path":987,"node":988,"title":989,"subtitle":990,"topic":991,"track":992},"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":140,"step":42,"id":994,"path":995,"node":996,"title":997,"subtitle":998,"topic":999,"track":992},"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":140,"step":50,"id":1001,"path":1002,"node":1003,"title":1004,"subtitle":1005,"topic":1006,"track":992},"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":140,"step":58,"id":1008,"path":1009,"node":1010,"title":1011,"subtitle":1012,"topic":1013,"track":992},"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":140,"step":65,"id":1015,"path":1016,"node":1017,"title":1018,"subtitle":1019,"topic":1020,"track":992},"keys-and-wallets","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fkeys-and-wallets",122,"Claves y billeteras","Quien tiene la clave tiene las monedas","Seguridad cripto",{"stage":140,"step":72,"id":1022,"path":1023,"node":1024,"title":1025,"subtitle":1026,"topic":1027,"track":992},"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":140,"step":78,"id":1029,"path":1030,"node":1031,"title":1032,"subtitle":1033,"topic":1034,"track":992},"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":140,"step":84,"id":1036,"path":1037,"node":1038,"title":1039,"subtitle":1040,"topic":1041,"track":151},"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":140,"step":90,"id":1043,"path":1044,"node":1045,"title":1046,"subtitle":1047,"topic":1006,"track":992},"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",[1049,1050],{"track":992,"count":84},{"track":151,"count":25},{"zone":147,"title":1052,"path":1053,"tier":25,"theme":1054,"lessons":1059,"topics":1122},"Bubbles & Scams","\u002Flearn\u002F15\u002Fbubbles-and-scams",{"key":1055,"name":1056,"light":1057,"dark":1058},"bubble-bay","Bubble Bay","#c0267a","#e04096",[1060,1068,1075,1082,1088,1094,1101,1108,1115],{"stage":147,"step":25,"id":1061,"path":1062,"node":1063,"title":1064,"subtitle":1065,"topic":1066,"track":1067},"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":147,"step":42,"id":1069,"path":1070,"node":1071,"title":1072,"subtitle":1073,"topic":1074,"track":1067},"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":147,"step":50,"id":1076,"path":1077,"node":1078,"title":1079,"subtitle":1080,"topic":1081,"track":1067},"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":147,"step":58,"id":1083,"path":1084,"node":1085,"title":1086,"subtitle":1087,"topic":1074,"track":1067},"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":147,"step":65,"id":1089,"path":1090,"node":1091,"title":1092,"subtitle":1093,"topic":1074,"track":1067},"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":147,"step":72,"id":1095,"path":1096,"node":1097,"title":1098,"subtitle":1099,"topic":1100,"track":1067},"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":147,"step":78,"id":1102,"path":1103,"node":1104,"title":1105,"subtitle":1106,"topic":1107,"track":1067},"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":147,"step":84,"id":1109,"path":1110,"node":1111,"title":1112,"subtitle":1113,"topic":1114,"track":151},"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":147,"step":90,"id":1116,"path":1117,"node":1118,"title":1119,"subtitle":1120,"topic":1121,"track":1067},"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",[1123,1124],{"track":1067,"count":84},{"track":151,"count":25},{"zone":155,"title":1126,"path":1127,"tier":25,"theme":1128,"lessons":1133,"topics":1195},"Money & Happiness","\u002Flearn\u002F16\u002Fmoney-and-happiness",{"key":1129,"name":1130,"light":1131,"dark":1132},"mind-maze","Mind Maze","#8a5a00","#a86e04",[1134,1141,1148,1154,1160,1167,1174,1181,1188],{"stage":155,"step":25,"id":1135,"path":1136,"node":1137,"title":1138,"subtitle":1139,"topic":1140,"track":151},"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":155,"step":42,"id":1142,"path":1143,"node":1144,"title":1145,"subtitle":1146,"topic":1147,"track":151},"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":155,"step":50,"id":1149,"path":1150,"node":1151,"title":1152,"subtitle":1153,"topic":150,"track":151},"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":155,"step":58,"id":1155,"path":1156,"node":1157,"title":1158,"subtitle":1159,"topic":150,"track":151},"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":155,"step":65,"id":1161,"path":1162,"node":1163,"title":1164,"subtitle":1165,"topic":1166,"track":151},"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":155,"step":72,"id":1168,"path":1169,"node":1170,"title":1171,"subtitle":1172,"topic":1173,"track":151},"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":155,"step":78,"id":1175,"path":1176,"node":1177,"title":1178,"subtitle":1179,"topic":1180,"track":151},"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":155,"step":84,"id":1182,"path":1183,"node":1184,"title":1185,"subtitle":1186,"topic":1187,"track":151},"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":155,"step":90,"id":1189,"path":1190,"node":1191,"title":1192,"subtitle":1193,"topic":1194,"track":151},"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",[1196],{"track":151,"count":90},{"zone":162,"title":1198,"path":1199,"tier":42,"theme":28,"lessons":1200,"topics":1259},"Gold & the Dollar","\u002Flearn\u002F17\u002Fgold-and-the-dollar",[1201,1208,1215,1221,1228,1234,1240,1246,1253],{"stage":162,"step":25,"id":1202,"path":1203,"node":1204,"title":1205,"subtitle":1206,"topic":1207,"track":48},"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":162,"step":42,"id":1209,"path":1210,"node":1211,"title":1212,"subtitle":1213,"topic":1214,"track":48},"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":162,"step":50,"id":1216,"path":1217,"node":1218,"title":1219,"subtitle":1220,"topic":1207,"track":48},"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":162,"step":58,"id":1222,"path":1223,"node":1224,"title":1225,"subtitle":1226,"topic":1227,"track":48},"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":162,"step":65,"id":1229,"path":1230,"node":1231,"title":1232,"subtitle":1233,"topic":39,"track":48},"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":162,"step":72,"id":1235,"path":1236,"node":1237,"title":1238,"subtitle":1239,"topic":512,"track":48},"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":162,"step":78,"id":1241,"path":1242,"node":1243,"title":1244,"subtitle":1245,"topic":1214,"track":48},"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":162,"step":84,"id":1247,"path":1248,"node":1249,"title":1250,"subtitle":1251,"topic":1252,"track":48},"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":162,"step":90,"id":1254,"path":1255,"node":1256,"title":1257,"subtitle":1258,"topic":540,"track":151},"the-endowment-effect","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-endowment-effect",153,"El efecto dotación","Tener algo hace que parezca valer más",[1260,1261],{"track":48,"count":84},{"track":151,"count":25},{"zone":170,"title":1263,"path":1264,"tier":42,"theme":103,"lessons":1265,"topics":1327},"Pay & Benefits","\u002Flearn\u002F18\u002Fpay-and-benefits",[1266,1273,1280,1287,1293,1300,1307,1313,1320],{"stage":170,"step":25,"id":1267,"path":1268,"node":1269,"title":1270,"subtitle":1271,"topic":1272,"track":56},"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":170,"step":42,"id":1274,"path":1275,"node":1276,"title":1277,"subtitle":1278,"topic":1279,"track":56},"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":170,"step":50,"id":1281,"path":1282,"node":1283,"title":1284,"subtitle":1285,"topic":1286,"track":56},"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":170,"step":58,"id":1288,"path":1289,"node":1290,"title":1291,"subtitle":1292,"topic":122,"track":56},"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":170,"step":65,"id":1294,"path":1295,"node":1296,"title":1297,"subtitle":1298,"topic":1299,"track":56},"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":170,"step":72,"id":1301,"path":1302,"node":1303,"title":1304,"subtitle":1305,"topic":1306,"track":56},"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":170,"step":78,"id":1308,"path":1309,"node":1310,"title":1311,"subtitle":1312,"topic":143,"track":56},"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":170,"step":84,"id":1314,"path":1315,"node":1316,"title":1317,"subtitle":1318,"topic":1319,"track":151},"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":170,"step":90,"id":1321,"path":1322,"node":1323,"title":1324,"subtitle":1325,"topic":1326,"track":56},"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",[1328,1329],{"track":56,"count":84},{"track":151,"count":25},{"zone":189,"title":1331,"path":1332,"tier":42,"theme":180,"lessons":1333,"topics":1396},"Starting a Business","\u002Flearn\u002F19\u002Fstarting-a-business",[1334,1341,1348,1355,1362,1369,1376,1382,1389],{"stage":189,"step":25,"id":1335,"path":1336,"node":1337,"title":1338,"subtitle":1339,"topic":1340,"track":193},"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":189,"step":42,"id":1342,"path":1343,"node":1344,"title":1345,"subtitle":1346,"topic":1347,"track":193},"your-first-customer","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fyour-first-customer",164,"Tu primer cliente","Véndelo antes de crearlo","Validación",{"stage":189,"step":50,"id":1349,"path":1350,"node":1351,"title":1352,"subtitle":1353,"topic":1354,"track":193},"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":189,"step":58,"id":1356,"path":1357,"node":1358,"title":1359,"subtitle":1360,"topic":1361,"track":193},"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":189,"step":65,"id":1363,"path":1364,"node":1365,"title":1366,"subtitle":1367,"topic":1368,"track":193},"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":189,"step":72,"id":1370,"path":1371,"node":1372,"title":1373,"subtitle":1374,"topic":1375,"track":193},"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":189,"step":78,"id":1377,"path":1378,"node":1379,"title":1380,"subtitle":1381,"topic":220,"track":193},"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":189,"step":84,"id":1383,"path":1384,"node":1385,"title":1386,"subtitle":1387,"topic":1388,"track":193},"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":189,"step":90,"id":1390,"path":1391,"node":1392,"title":1393,"subtitle":1394,"topic":1395,"track":151},"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",[1397,1398],{"track":193,"count":84},{"track":151,"count":25},{"zone":197,"title":1400,"path":1401,"tier":42,"theme":255,"lessons":1402,"topics":1461},"Lifestyle Creep","\u002Flearn\u002F20\u002Flifestyle-creep",[1403,1409,1415,1422,1428,1435,1441,1448,1454],{"stage":197,"step":25,"id":1404,"path":1405,"node":1406,"title":1407,"subtitle":1408,"topic":267,"track":268},"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":197,"step":42,"id":1410,"path":1411,"node":1412,"title":1413,"subtitle":1414,"topic":281,"track":268},"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":197,"step":50,"id":1416,"path":1417,"node":1418,"title":1419,"subtitle":1420,"topic":1421,"track":268},"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":197,"step":58,"id":1423,"path":1424,"node":1425,"title":1426,"subtitle":1427,"topic":267,"track":268},"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":197,"step":65,"id":1429,"path":1430,"node":1431,"title":1432,"subtitle":1433,"topic":1434,"track":268},"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":197,"step":72,"id":1436,"path":1437,"node":1438,"title":1439,"subtitle":1440,"topic":1434,"track":268},"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":197,"step":78,"id":1442,"path":1443,"node":1444,"title":1445,"subtitle":1446,"topic":1447,"track":268},"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":197,"step":84,"id":1449,"path":1450,"node":1451,"title":1452,"subtitle":1453,"topic":540,"track":151},"the-ikea-effect","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-ikea-effect",179,"El efecto IKEA","Amamos lo que construimos nosotros mismos",{"stage":197,"step":90,"id":1455,"path":1456,"node":1457,"title":1458,"subtitle":1459,"topic":1460,"track":268},"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",[1462,1463],{"track":268,"count":84},{"track":151,"count":25}]