[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"catalog-es":3,"intro-start-at-20-or-at-30-es":1443},[4,80,157,232,306,377,450,524,594,668,740,814,886,956,1031,1104,1176,1241,1309,1378],{"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 nómina","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 nómina","El salario bruto es el número que te ofrecen; el neto es lo que te llega","La nómina",{"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,"La subida 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","Una nómina se para el día que paras 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 montar 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 beneficio","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 coste, 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 negocio paralelo","Lo que te paga de verdad tu idea por hora","Negocios paralelos",{"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 piso 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 acaban 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,"Coste 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,"¿Dónde se ha ido 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 ibas","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 1000 £ 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 puntuación 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 cámara acorazada 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 cada año","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 dentro de 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,"El objetivo 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 de media",{"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 de media","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 franquicias","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,"¿Merece la pena la garantía?","Ponle precio a la ampliación de garantía 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 un trozo de una empresa","Si tienes una acción, tienes un trozo 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 dio 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,"Hace falta 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","Recogemos beneficios demasiado pronto y aguantamos pérdidas demasiado tiempo","Comportamiento del inversor",[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 tipos 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 balancín de los bonos","Cuando los tipos suben, el precio de los bonos ya emitidos baja","Tipos 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 cesta 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 trozo 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 baten 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 batió 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 de inversión","Dos envoltorios para la misma cesta",{"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,"Alquilar o ser dueño: lo que pagas","Los dos cuestan dinero que nunca recuperas","Vivienda","Inmuebles",{"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 el tipo de un préstamo de vivienda durante 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","Las primeras cuotas 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 cuesta de verdad una casa","El precio de la etiqueta frente a 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,"La entrada y el patrimonio","La parte de la casa que es tuya de verdad","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,"Alquilar 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 el alquiler 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 alquiler","Vivienda en alquiler",[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 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 monederos","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","A toro pasado",{"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 rebaño",{"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":1101},"Bubbles & Scams","\u002Flearn\u002F15\u002Fbubbles-and-scams",{"key":1035,"name":1036,"light":1037,"dark":1038},"bubble-bay","Bubble Bay","#c0267a","#e04096",[1040,1048,1055,1062,1068,1074,1081,1088,1094],{"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 inversores 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 lista no la estafan","Los adultos jóvenes dicen perder dinero por fraude más a menudo 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":1021,"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",{"stage":127,"step":70,"id":1095,"path":1096,"node":1097,"title":1098,"subtitle":1099,"topic":1100,"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",[1102,1103],{"track":1047,"count":64},{"track":131,"count":5},{"zone":135,"title":1105,"path":1106,"tier":5,"theme":1107,"lessons":1112,"topics":1174},"Money & Happiness","\u002Flearn\u002F16\u002Fmoney-and-happiness",{"key":1108,"name":1109,"light":1110,"dark":1111},"mind-maze","Mind Maze","#8a5a00","#a86e04",[1113,1120,1127,1133,1139,1146,1153,1160,1167],{"stage":135,"step":5,"id":1114,"path":1115,"node":1116,"title":1117,"subtitle":1118,"topic":1119,"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":1121,"path":1122,"node":1123,"title":1124,"subtitle":1125,"topic":1126,"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":1128,"path":1129,"node":1130,"title":1131,"subtitle":1132,"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":1134,"path":1135,"node":1136,"title":1137,"subtitle":1138,"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":1140,"path":1141,"node":1142,"title":1143,"subtitle":1144,"topic":1145,"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":1147,"path":1148,"node":1149,"title":1150,"subtitle":1151,"topic":1152,"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":1154,"path":1155,"node":1156,"title":1157,"subtitle":1158,"topic":1159,"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":1161,"path":1162,"node":1163,"title":1164,"subtitle":1165,"topic":1166,"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":1168,"path":1169,"node":1170,"title":1171,"subtitle":1172,"topic":1173,"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",[1175],{"track":131,"count":70},{"zone":142,"title":1177,"path":1178,"tier":22,"theme":8,"lessons":1179,"topics":1238},"Gold & the Dollar","\u002Flearn\u002F17\u002Fgold-and-the-dollar",[1180,1187,1194,1200,1207,1213,1219,1225,1232],{"stage":142,"step":5,"id":1181,"path":1182,"node":1183,"title":1184,"subtitle":1185,"topic":1186,"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":1188,"path":1189,"node":1190,"title":1191,"subtitle":1192,"topic":1193,"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":1195,"path":1196,"node":1197,"title":1198,"subtitle":1199,"topic":1186,"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 EE. UU. papel moneda respaldado por la ley, no por oro",{"stage":142,"step":38,"id":1201,"path":1202,"node":1203,"title":1204,"subtitle":1205,"topic":1206,"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":1208,"path":1209,"node":1210,"title":1211,"subtitle":1212,"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 la Moneda, la imprenta de billetes y la Fed",{"stage":142,"step":52,"id":1214,"path":1215,"node":1216,"title":1217,"subtitle":1218,"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":1220,"path":1221,"node":1222,"title":1223,"subtitle":1224,"topic":1193,"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":1226,"path":1227,"node":1228,"title":1229,"subtitle":1230,"topic":1231,"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 móvil","Pagos",{"stage":142,"step":70,"id":1233,"path":1234,"node":1235,"title":1236,"subtitle":1237,"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",[1239,1240],{"track":28,"count":64},{"track":131,"count":5},{"zone":150,"title":1242,"path":1243,"tier":22,"theme":83,"lessons":1244,"topics":1306},"Pay & Benefits","\u002Flearn\u002F18\u002Fpay-and-benefits",[1245,1252,1259,1266,1272,1279,1286,1292,1299],{"stage":150,"step":5,"id":1246,"path":1247,"node":1248,"title":1249,"subtitle":1250,"topic":1251,"track":36},"your-total-compensation","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fyour-total-compensation",154,"Tu retribución total","Tu salario es solo una parte de lo que paga un trabajo","Retribución",{"stage":150,"step":22,"id":1253,"path":1254,"node":1255,"title":1256,"subtitle":1257,"topic":1258,"track":36},"the-employer-match","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fthe-employer-match",155,"La aportación de la empresa","Dinero que tu empresa añade cuando ahorras","Planes de jubilación",{"stage":150,"step":30,"id":1260,"path":1261,"node":1262,"title":1263,"subtitle":1264,"topic":1265,"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 media en EE. UU. tiene muchos capítulos","Carrera profesional",{"stage":150,"step":38,"id":1267,"path":1268,"node":1269,"title":1270,"subtitle":1271,"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 autónomo cambia tus impuestos",{"stage":150,"step":45,"id":1273,"path":1274,"node":1275,"title":1276,"subtitle":1277,"topic":1278,"track":36},"every-hour-over-40-pays-extra","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fevery-hour-over-40-pays-extra",158,"Cada hora pasadas las 40 se paga extra","Muchos asalariados no cobran ni una hora extra","Derecho laboral",{"stage":150,"step":52,"id":1280,"path":1281,"node":1282,"title":1283,"subtitle":1284,"topic":1285,"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":1287,"path":1288,"node":1289,"title":1290,"subtitle":1291,"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":1293,"path":1294,"node":1295,"title":1296,"subtitle":1297,"topic":1298,"track":131},"the-sunk-cost-trap","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fthe-sunk-cost-trap",161,"La trampa del coste hundido","Los años ya gastados no deberían decidir los siguientes","Toma de decisiones",{"stage":150,"step":70,"id":1300,"path":1301,"node":1302,"title":1303,"subtitle":1304,"topic":1305,"track":36},"the-bobbin-boy","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fthe-bobbin-boy",162,"El chico de las bobinas","Andrew Carnegie empezó cobrando 1,20 dólares a la semana en una fábrica de algodón, levantó un imperio del acero y regaló la mayor parte","Ambición",[1307,1308],{"track":36,"count":64},{"track":131,"count":5},{"zone":169,"title":1310,"path":1311,"tier":22,"theme":160,"lessons":1312,"topics":1375},"Starting a Business","\u002Flearn\u002F19\u002Fstarting-a-business",[1313,1320,1327,1334,1341,1348,1355,1361,1368],{"stage":169,"step":5,"id":1314,"path":1315,"node":1316,"title":1317,"subtitle":1318,"topic":1319,"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":1321,"path":1322,"node":1323,"title":1324,"subtitle":1325,"topic":1326,"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":1328,"path":1329,"node":1330,"title":1331,"subtitle":1332,"topic":1333,"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 flojo que acabó siendo un superventas","Inventos",{"stage":169,"step":38,"id":1335,"path":1336,"node":1337,"title":1338,"subtitle":1339,"topic":1340,"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":1342,"path":1343,"node":1344,"title":1345,"subtitle":1346,"topic":1347,"track":173},"spanxs-5-000","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fspanxs-5-000",167,"Los 5000 dólares de Spanx","Sara Blakely vendía faxes puerta a puerta, cortó los pies de sus medias y creó Spanx con 5000 dólares ahorrados","Empezar",{"stage":169,"step":52,"id":1349,"path":1350,"node":1351,"title":1352,"subtitle":1353,"topic":1354,"track":173},"cost-plus-or-value-pricing","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fcost-plus-or-value-pricing",168,"Coste más margen o precio por valor","Cobra lo que cuesta o lo que vale","Fijación de precios",{"stage":169,"step":58,"id":1356,"path":1357,"node":1358,"title":1359,"subtitle":1360,"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 dejar tu trabajo?","Tu número de escape, en clientes",{"stage":169,"step":64,"id":1362,"path":1363,"node":1364,"title":1365,"subtitle":1366,"topic":1367,"track":173},"bootstrapping-or-investors","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fbootstrapping-or-investors",170,"¿Con lo tuyo o con inversores?","Usa tu propio dinero o vende una parte de la empresa","Financiación",{"stage":169,"step":70,"id":1369,"path":1370,"node":1371,"title":1372,"subtitle":1373,"topic":1374,"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",[1376,1377],{"track":173,"count":64},{"track":131,"count":5},{"zone":177,"title":1379,"path":1380,"tier":22,"theme":235,"lessons":1381,"topics":1440},"Lifestyle Creep","\u002Flearn\u002F20\u002Flifestyle-creep",[1382,1388,1394,1401,1407,1414,1420,1427,1433],{"stage":177,"step":5,"id":1383,"path":1384,"node":1385,"title":1386,"subtitle":1387,"topic":247,"track":248},"fixed-and-variable-costs-at-home","\u002Flearn\u002F20\u002Flifestyle-creep\u002Ffixed-and-variable-costs-at-home",172,"Costes fijos y variables en casa","Los gastos que nunca se mueven y los que controlas tú",{"stage":177,"step":22,"id":1389,"path":1390,"node":1391,"title":1392,"subtitle":1393,"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":1395,"path":1396,"node":1397,"title":1398,"subtitle":1399,"topic":1400,"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 subida de sueldo","Gasto",{"stage":177,"step":38,"id":1402,"path":1403,"node":1404,"title":1405,"subtitle":1406,"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":1408,"path":1409,"node":1410,"title":1411,"subtitle":1412,"topic":1413,"track":248},"a-new-car-is-an-investment","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fa-new-car-is-an-investment",176,"Un coche nuevo es una inversión","La mayoría de los coches pierden valor rápido","Coches",{"stage":177,"step":52,"id":1415,"path":1416,"node":1417,"title":1418,"subtitle":1419,"topic":1413,"track":248},"the-true-cost-of-a-car","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-true-cost-of-a-car",177,"El coste real de un coche","La letra, el seguro, la gasolina, las reparaciones y el valor que pierde",{"stage":177,"step":58,"id":1421,"path":1422,"node":1423,"title":1424,"subtitle":1425,"topic":1426,"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":1428,"path":1429,"node":1430,"title":1431,"subtitle":1432,"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":1434,"path":1435,"node":1436,"title":1437,"subtitle":1438,"topic":1439,"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",[1441,1442],{"track":248,"count":64},{"track":131,"count":5},{"stage":45,"step":52,"node":351,"id":349,"language":1444,"title":352,"subtitle":353,"topic":335,"track":146,"is_supernode":1445,"languages":1446,"hash":1451,"intro":1452,"num_slides":52,"num_questions":45,"minutes":30},"es",false,[1447,1444,1448,1449,1450],"de","es-419","fr","it","4eb6cf6a16037d31",{"icon":1453,"hook":1454,"discover":1455,"why":1459},"calendar.badge.clock","Ann ahorra durante 10 años y para. Ben ahorra durante 30. A los 65 tienen más o menos lo mismo. ¿Cómo es posible?",[1456,1457,1458],"Lo que cuestan 10 años de espera","Por qué los primeros dólares trabajan más","Lo que aún logra un comienzo tardío","Con el interés compuesto, los años ganan a los dólares. Cuándo empiezas puede importar más que cuánto pones."]