[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"badge-catalog":3,"catalog-fr":632},[4,11,17,23,29,35,42,48,54,61,67,73,79,86,92,98,104,110,116,122,128,134,140,146,152,158,164,170,176,182,188,194,200,206,212,218,224,230,236,242,248,254,260,266,272,278,284,290,296,302,308,314,320,326,332,338,344,350,356,362,368,374,380,386,392,398,404,410,416,422,428,434,440,446,452,458,464,470,476,482,488,494,500,506,512,518,524,530,536,542,548,554,560,566,572,578,584,590,596,602,608,614,620,626],{"id":5,"label":6,"name":7,"description":8,"rarity":9,"explanation":10},242,"curious_first","First Penny","Complete your very first lesson.","Common","Your first lesson, your first penny of real money know-how. Tap any node on the path, hit START, and get through it.",{"id":12,"label":13,"name":14,"description":15,"rarity":9,"explanation":16},243,"curious_five","Pocket Change","Complete 5 lessons.","Five lessons in. Small change for now, but every fortune starts with a few coins.",{"id":18,"label":19,"name":20,"description":21,"rarity":9,"explanation":22},244,"curious_ten","Ten Bucks","Complete 10 lessons.","Ten lessons. You already know more about how money works than most people around you.",{"id":24,"label":25,"name":26,"description":27,"rarity":9,"explanation":28},245,"curious_twenty_five","Follow the Money","Complete 25 lessons.","Twenty-five lessons. You've started to follow the money, and it leads everywhere.",{"id":30,"label":31,"name":32,"description":33,"rarity":9,"explanation":34},246,"curious_fifty","Money Apprentice","Complete 50 lessons.","Fifty lessons. The ideas that sounded like Wall Street magic are turning into plain math.",{"id":36,"label":37,"name":38,"description":39,"rarity":40,"explanation":41},247,"curious_hundred","Triple Digits","Complete 100 lessons.","Rare","A hundred lessons! Your curiosity just crossed into three-digit territory.",{"id":43,"label":44,"name":45,"description":46,"rarity":40,"explanation":47},248,"curious_one_fifty","Deep Pockets","Complete 150 lessons.","150 lessons deep. Your pockets of knowledge just got a lot deeper.",{"id":49,"label":50,"name":51,"description":52,"rarity":40,"explanation":53},249,"curious_two_hundred","Money Explainer","Complete 200 lessons.","Two hundred lessons. You could explain most of these at a dinner table, and people would listen.",{"id":55,"label":56,"name":57,"description":58,"rarity":59,"explanation":60},250,"curious_three_hundred","Walking Ledger","Complete 300 lessons.","Epic","Three hundred lessons. You keep track of how money works the way a ledger keeps every cent.",{"id":62,"label":63,"name":64,"description":65,"rarity":59,"explanation":66},251,"curious_four_hundred","Money Brain","Complete 400 lessons.","Four hundred lessons. More than half the path is behind you, and your brain thinks in money now.",{"id":68,"label":69,"name":70,"description":71,"rarity":59,"explanation":72},252,"curious_five_hundred","Mastermind","Complete 500 lessons.","Five hundred lessons. Only the final stretch of the path stands between you and knowing it all.",{"id":74,"label":75,"name":76,"description":77,"rarity":59,"explanation":78},253,"curious_six_hundred","Six Figures","Complete 600 lessons.","Six hundred lessons. Six figures of curiosity, and the finish line is in sight.",{"id":80,"label":81,"name":82,"description":83,"rarity":84,"explanation":85},254,"curious_every","Money Master","Complete every lesson on the path.","Legendary","All 720 lessons. Every curiosity on the path, understood. Money has no secrets left for you.",{"id":87,"label":88,"name":89,"description":90,"rarity":9,"explanation":91},255,"flawless_first","Clean Sheet","Pass a lesson with no mistakes.","Answer every test question right on the first try. Three stars, zero slips.",{"id":93,"label":94,"name":95,"description":96,"rarity":9,"explanation":97},256,"flawless_ten","Sharp Pencil","Pass 10 lessons with no mistakes.","Ten perfect tests. Sharp as a freshly sharpened pencil on tax day.",{"id":99,"label":100,"name":101,"description":102,"rarity":40,"explanation":103},257,"flawless_fifty","Auditor","Pass 50 lessons with no mistakes.","Fifty flawless tests. You check every answer the way an auditor checks the books.",{"id":105,"label":106,"name":107,"description":108,"rarity":59,"explanation":109},258,"flawless_one_fifty","Zero Errors","Pass 150 lessons with no mistakes.","150 lessons without a single slip. Even an accountant would be impressed.",{"id":111,"label":112,"name":113,"description":114,"rarity":84,"explanation":115},259,"flawless_four_hundred","Flawless Ledger","Pass 400 lessons with no mistakes.","Four hundred perfect tests. Not a single entry out of place.",{"id":117,"label":118,"name":119,"description":120,"rarity":40,"explanation":121},260,"spotless_zone","Spotless Zone","Get 3 stars on every node of a zone.","Nine nodes, nine perfect tests. A whole zone without a single mistake.",{"id":123,"label":124,"name":125,"description":126,"rarity":59,"explanation":127},261,"spotless_ten","Immaculate","Get 3 stars on every node of 10 zones.","Ten zones without a single slip. Perfection is starting to look like your default setting.",{"id":129,"label":130,"name":131,"description":132,"rarity":9,"explanation":133},262,"explorer_first","First Zone","Clear your first zone.","Complete every node in a zone to clear it and open the next one.",{"id":135,"label":136,"name":137,"description":138,"rarity":9,"explanation":139},263,"explorer_three","Trailblazer","Clear 3 zones.","Three zones down. Every one is a whole new world, and you've already seen three.",{"id":141,"label":142,"name":143,"description":144,"rarity":9,"explanation":145},264,"explorer_five","Explorer","Clear 5 zones.","Five zones behind you. The path keeps going, and so do the surprises.",{"id":147,"label":148,"name":149,"description":150,"rarity":9,"explanation":151},265,"explorer_ten","Wayfinder","Clear 10 zones.","Ten zones cleared. You know your way around the path now.",{"id":153,"label":154,"name":155,"description":156,"rarity":40,"explanation":157},266,"explorer_fifteen","Voyager","Clear 15 zones.","Fifteen zones. Like the famous space probe, you just keep going farther.",{"id":159,"label":160,"name":161,"description":162,"rarity":40,"explanation":163},267,"explorer_twenty","Pathfinder","Clear 20 zones.","Twenty zones explored. Every new zone is a fresh set of curiosities to crack.",{"id":165,"label":166,"name":167,"description":168,"rarity":40,"explanation":169},268,"explorer_thirty","Navigator","Clear 30 zones.","Thirty zones cleared. You could draw this path from memory.",{"id":171,"label":172,"name":173,"description":174,"rarity":59,"explanation":175},269,"explorer_forty_five","Globetrotter","Clear 45 zones.","Forty-five zones. You're past the halfway mark and still going strong.",{"id":177,"label":178,"name":179,"description":180,"rarity":59,"explanation":181},270,"explorer_sixty","Home Stretch","Clear 60 zones.","Sixty zones. You're on the home stretch, with only the last zones left to explore.",{"id":183,"label":184,"name":185,"description":186,"rarity":84,"explanation":187},271,"explorer_every","Master of the Path","Clear every zone.","Every zone, cleared. You walked the whole path from the first spark to the last lesson.",{"id":189,"label":190,"name":191,"description":192,"rarity":9,"explanation":193},272,"milestone_first","First Story","Complete your first super node.","The treasure chest in each zone is its story, the zone's biggest node. Finish one to earn this.",{"id":195,"label":196,"name":197,"description":198,"rarity":9,"explanation":199},273,"milestone_five","Storyteller","Complete 5 super nodes.","Five zone stories finished. You could tell every one of them at dinner.",{"id":201,"label":202,"name":203,"description":204,"rarity":40,"explanation":205},274,"milestone_fifteen","Story Hunter","Complete 15 super nodes.","Fifteen zone stories. You go looking for the big ones now.",{"id":207,"label":208,"name":209,"description":210,"rarity":40,"explanation":211},275,"milestone_twenty_five","Showstopper","Complete 25 super nodes.","Twenty-five zone stories. The biggest ideas on the path keep falling to you.",{"id":213,"label":214,"name":215,"description":216,"rarity":59,"explanation":217},276,"milestone_forty","Saga Master","Complete 40 super nodes.","Forty zone stories. Half of the biggest tales on the path, told.",{"id":219,"label":220,"name":221,"description":222,"rarity":59,"explanation":223},277,"milestone_sixty","Headline Act","Complete 60 super nodes.","Sixty zone stories. The headline acts have met their match.",{"id":225,"label":226,"name":227,"description":228,"rarity":84,"explanation":229},278,"milestone_every","Every Story Told","Complete every super node.","Every story on the path, from the first zone to the last. Not one got away.",{"id":231,"label":232,"name":233,"description":234,"rarity":9,"explanation":235},279,"track_history_five","Coin Collector","Complete 5 lessons in Money & Its History.","Five lessons in Money & Its History. You've started collecting the stories behind every coin.",{"id":237,"label":238,"name":239,"description":240,"rarity":9,"explanation":241},280,"track_work_five","Time Is Money","Complete 5 lessons in Work & the Rat Race.","Five lessons in Work & the Rat Race. You're starting to see what your hours are really worth.",{"id":243,"label":244,"name":245,"description":246,"rarity":9,"explanation":247},281,"track_business_five","Side Hustler","Complete 5 lessons in Building a Business.","Five lessons in Building a Business. You're starting to see how a business really makes money.",{"id":249,"label":250,"name":251,"description":252,"rarity":9,"explanation":253},282,"track_budgeting_five","Budget Keeper","Complete 5 lessons in Spending & Budgeting.","Five lessons in Spending & Budgeting. You're starting to see where money really goes.",{"id":255,"label":256,"name":257,"description":258,"rarity":9,"explanation":259},283,"track_saving_five","Seed Planter","Complete 5 lessons in Saving & Compound Interest.","Five lessons in Saving & Compound Interest. The seeds are planted; now watch them grow.",{"id":261,"label":262,"name":263,"description":264,"rarity":9,"explanation":265},284,"track_debt_five","Credit Check","Complete 5 lessons in Borrowing, Credit & Debt.","Five lessons in Borrowing, Credit & Debt. You're starting to see what a loan really costs.",{"id":267,"label":268,"name":269,"description":270,"rarity":9,"explanation":271},285,"track_banks_five","Vault Visitor","Complete 5 lessons in Banks & Central Banks.","Five lessons in Banks & Central Banks. You've been inside the vault, and it's not what you thought.",{"id":273,"label":274,"name":275,"description":276,"rarity":9,"explanation":277},286,"track_inflation_five","Price Watcher","Complete 5 lessons in Inflation & the Economy.","Five lessons in Inflation & the Economy. You're starting to see why prices seem to only go up.",{"id":279,"label":280,"name":281,"description":282,"rarity":9,"explanation":283},287,"track_risk_five","Odds Reader","Complete 5 lessons in Risk, Insurance & Probability.","Five lessons in Risk, Insurance & Probability. You're starting to read the odds like a pro.",{"id":285,"label":286,"name":287,"description":288,"rarity":9,"explanation":289},288,"track_stocks_five","Shareholder","Complete 5 lessons in Stocks & Companies.","Five lessons in Stocks & Companies. You're starting to see what owning a slice of a company means.",{"id":291,"label":292,"name":293,"description":294,"rarity":9,"explanation":295},289,"track_bonds_five","Bond Rookie","Complete 5 lessons in Bonds & Interest Rates.","Five lessons in Bonds & Interest Rates. You're starting to see how lending for interest really works.",{"id":297,"label":298,"name":299,"description":300,"rarity":9,"explanation":301},290,"track_funds_five","Basket Builder","Complete 5 lessons in Funds & Indices.","Five lessons in Funds & Indices. You're starting to see what's inside the basket.",{"id":303,"label":304,"name":305,"description":306,"rarity":9,"explanation":307},291,"track_realestate_five","House Hunter","Complete 5 lessons in Real Estate.","Five lessons in Real Estate. You're starting to see what a home really costs, beyond the price tag.",{"id":309,"label":310,"name":311,"description":312,"rarity":9,"explanation":313},292,"track_crypto_five","Block Explorer","Complete 5 lessons in Crypto & Digital Money.","Five lessons in Crypto & Digital Money. You're starting to see what's actually in the block.",{"id":315,"label":316,"name":317,"description":318,"rarity":9,"explanation":319},293,"track_bubbles_five","Bubble Spotter","Complete 5 lessons in Bubbles, Scams & Crashes.","Five lessons in Bubbles, Scams & Crashes. You're starting to spot a bubble before it pops.",{"id":321,"label":322,"name":323,"description":324,"rarity":9,"explanation":325},294,"track_mindset_five","Mind Over Money","Complete 5 lessons in Money Mindset & Psychology.","Five lessons in Money Mindset & Psychology. You're starting to catch your brain's money tricks.",{"id":327,"label":328,"name":329,"description":330,"rarity":59,"explanation":331},295,"track_history_all","Money Historian","Complete every lesson in Money & Its History.","Every lesson in Money & Its History, done. From shells to screens, you know the whole story.",{"id":333,"label":334,"name":335,"description":336,"rarity":59,"explanation":337},296,"track_work_all","Rat Race Escapee","Complete every lesson in Work & the Rat Race.","Every lesson in Work & the Rat Race, done. You know how the race works, and where it can end.",{"id":339,"label":340,"name":341,"description":342,"rarity":59,"explanation":343},297,"track_business_all","Founder","Complete every lesson in Building a Business.","Every lesson in Building a Business, done. You know how a business works, from idea to profit.",{"id":345,"label":346,"name":347,"description":348,"rarity":59,"explanation":349},298,"track_budgeting_all","Budget Boss","Complete every lesson in Spending & Budgeting.","Every lesson in Spending & Budgeting, done. You know where every dollar goes.",{"id":351,"label":352,"name":353,"description":354,"rarity":59,"explanation":355},299,"track_saving_all","Compound Gardener","Complete every lesson in Saving & Compound Interest.","Every lesson in Saving & Compound Interest, done. Your garden of knowledge keeps compounding.",{"id":357,"label":358,"name":359,"description":360,"rarity":59,"explanation":361},300,"track_debt_all","Debt Slayer","Complete every lesson in Borrowing, Credit & Debt.","Every lesson in Borrowing, Credit & Debt, done. You know every trick a loan can play.",{"id":363,"label":364,"name":365,"description":366,"rarity":59,"explanation":367},301,"track_banks_all","Central Banker","Complete every lesson in Banks & Central Banks.","Every lesson in Banks & Central Banks, done. You know the system behind every bank.",{"id":369,"label":370,"name":371,"description":372,"rarity":59,"explanation":373},302,"track_inflation_all","Economist at Heart","Complete every lesson in Inflation & the Economy.","Every lesson in Inflation & the Economy, done. You know why a dollar buys less every year.",{"id":375,"label":376,"name":377,"description":378,"rarity":59,"explanation":379},303,"track_risk_all","Safety Net","Complete every lesson in Risk, Insurance & Probability.","Every lesson in Risk, Insurance & Probability, done. You know how to read the odds.",{"id":381,"label":382,"name":383,"description":384,"rarity":59,"explanation":385},304,"track_stocks_all","Bull Rider","Complete every lesson in Stocks & Companies.","Every lesson in Stocks & Companies, done. You know how the market really works.",{"id":387,"label":388,"name":389,"description":390,"rarity":59,"explanation":391},305,"track_bonds_all","Yield Master","Complete every lesson in Bonds & Interest Rates.","Every lesson in Bonds & Interest Rates, done. You know how interest rates move the world.",{"id":393,"label":394,"name":395,"description":396,"rarity":59,"explanation":397},306,"track_funds_all","Index Insider","Complete every lesson in Funds & Indices.","Every lesson in Funds & Indices, done. You know what's inside every basket.",{"id":399,"label":400,"name":401,"description":402,"rarity":59,"explanation":403},307,"track_realestate_all","Property Pro","Complete every lesson in Real Estate.","Every lesson in Real Estate, done. You know how property works, from mortgage to market.",{"id":405,"label":406,"name":407,"description":408,"rarity":59,"explanation":409},308,"track_crypto_all","Crypto Sage","Complete every lesson in Crypto & Digital Money.","Every lesson in Crypto & Digital Money, done. You know what's behind the hype.",{"id":411,"label":412,"name":413,"description":414,"rarity":59,"explanation":415},309,"track_bubbles_all","Mania Proof","Complete every lesson in Bubbles, Scams & Crashes.","Every lesson in Bubbles, Scams & Crashes, done. Manias and scams have no tricks left for you.",{"id":417,"label":418,"name":419,"description":420,"rarity":59,"explanation":421},310,"track_mindset_all","Money Zen","Complete every lesson in Money Mindset & Psychology.","Every lesson in Money Mindset & Psychology, done. You know how your own brain plays with money.",{"id":423,"label":424,"name":425,"description":426,"rarity":9,"explanation":427},311,"wonder_first","First Wonder","Claim your first Daily Wonder.","Open the Daily Wonder tab and claim today's money curiosity. A new one waits every day.",{"id":429,"label":430,"name":431,"description":432,"rarity":9,"explanation":433},312,"wonder_three","Wonderstruck","Claim 3 Daily Wonders.","Three money wonders in your collection. Curiosity looks good on you.",{"id":435,"label":436,"name":437,"description":438,"rarity":9,"explanation":439},313,"wonder_five","Wonder Collector","Claim 5 Daily Wonders.","Five wonders collected. Your cabinet of curiosities is taking shape.",{"id":441,"label":442,"name":443,"description":444,"rarity":40,"explanation":445},314,"wonder_ten","Curator","Claim 10 Daily Wonders.","Ten wonders! You're curating your own museum of money marvels.",{"id":447,"label":448,"name":449,"description":450,"rarity":40,"explanation":451},315,"wonder_twenty_five","Cabinet of Curiosities","Claim 25 Daily Wonders.","Twenty-five wonders, and every one of them is a story worth telling.",{"id":453,"label":454,"name":455,"description":456,"rarity":40,"explanation":457},316,"wonder_fifty","Wonder Hoarder","Claim 50 Daily Wonders.","Fifty wonders and counting. You never miss a chance to be amazed.",{"id":459,"label":460,"name":461,"description":462,"rarity":59,"explanation":463},317,"wonder_hundred","Museum Keeper","Claim 100 Daily Wonders.","A hundred wonders in your collection. That's a whole museum of money curiosities.",{"id":465,"label":466,"name":467,"description":468,"rarity":59,"explanation":469},318,"wonder_two_hundred","Wonder Archivist","Claim 200 Daily Wonders.","Two hundred wonders. Your archive of curiosities could fill a library wing.",{"id":471,"label":472,"name":473,"description":474,"rarity":84,"explanation":475},319,"wonder_full_year","A Year of Wonders","Claim 365 Daily Wonders.","365 wonders. A whole year of money curiosities, collected one day at a time.",{"id":477,"label":478,"name":479,"description":480,"rarity":40,"explanation":481},320,"wonder_perfect_week","Perfect Week","Claim a Daily Wonder every day from Monday to Sunday.","Fill every day of the weekly calendar with a check. Seven days, seven wonders.",{"id":483,"label":484,"name":485,"description":486,"rarity":59,"explanation":487},321,"wonder_month","Wonder Month","Claim a Daily Wonder 30 days in a row.","Thirty days without missing a single wonder. Now that's dedication.",{"id":489,"label":490,"name":491,"description":492,"rarity":9,"explanation":493},322,"habit_three_days","Spark","Reach a 3-day streak.","Learn something three days in a row. That's how every good habit starts.",{"id":495,"label":496,"name":497,"description":498,"rarity":9,"explanation":499},323,"habit_seven_days","On Fire","Reach a 7-day streak.","A full week of curiosity. Keep the flame alive and it only gets easier.",{"id":501,"label":502,"name":503,"description":504,"rarity":9,"explanation":505},324,"habit_two_weeks","Two Weeks Strong","Reach a 14-day streak.","Fourteen days in a row. This isn't a phase anymore, it's a habit.",{"id":507,"label":508,"name":509,"description":510,"rarity":40,"explanation":511},325,"habit_thirty_days","Habit Formed","Reach a 30-day streak.","Thirty days straight. Learning something new is just part of your day now.",{"id":513,"label":514,"name":515,"description":516,"rarity":40,"explanation":517},326,"habit_fifty_days","Half Century","Reach a 50-day streak.","Fifty days without a break. That's more staying power than most New Year's resolutions.",{"id":519,"label":520,"name":521,"description":522,"rarity":59,"explanation":523},327,"habit_hundred_days","Unstoppable","Reach a 100-day streak.","A hundred days in a row. Very few people ever get here.",{"id":525,"label":526,"name":527,"description":528,"rarity":59,"explanation":529},328,"habit_two_hundred_days","Perpetual Motion","Reach a 200-day streak.","Two hundred days without stopping. Physics says perpetual motion is impossible. You're testing that.",{"id":531,"label":532,"name":533,"description":534,"rarity":84,"explanation":535},329,"habit_full_year","Year of Curiosity","Reach a 365-day streak.","A whole year, every single day. That's a full year of curiosity in a row.",{"id":537,"label":538,"name":539,"description":540,"rarity":40,"explanation":541},330,"habit_shield_saved","The Shielded","Have a streak shield save your streak.","Missed a day? A streak shield stepped in and kept your streak alive.",{"id":543,"label":544,"name":545,"description":546,"rarity":9,"explanation":547},331,"knowledge_one_hundred","First Hundred","Earn 100 XP.","Your first hundred XP. Every lesson pays, and the deeper zones pay more.",{"id":549,"label":550,"name":551,"description":552,"rarity":9,"explanation":553},332,"knowledge_five_hundred","Earning Interest","Earn 500 XP.","Five hundred XP. Your knowledge is earning interest, and the deeper zones pay more.",{"id":555,"label":556,"name":557,"description":558,"rarity":9,"explanation":559},333,"knowledge_one_thousand","A Grand","Earn 1,000 XP.","A thousand XP. In money talk, that's your first grand.",{"id":561,"label":562,"name":563,"description":564,"rarity":40,"explanation":565},334,"knowledge_twenty_five_hundred","Well Read","Earn 2,500 XP.","Two and a half thousand XP. You've read your way deep into the path.",{"id":567,"label":568,"name":569,"description":570,"rarity":40,"explanation":571},335,"knowledge_five_thousand","High Earner","Earn 5,000 XP.","Five thousand XP. Your curiosity is earning serious interest.",{"id":573,"label":574,"name":575,"description":576,"rarity":59,"explanation":577},336,"knowledge_ten_thousand","Ten Grand","Earn 10,000 XP.","Ten thousand XP. Ten grand of know-how, and most of the path played well.",{"id":579,"label":580,"name":581,"description":582,"rarity":84,"explanation":583},337,"knowledge_twenty_five_thousand","Fortune Builder","Earn 25,000 XP.","Twenty-five thousand XP. More than the whole path pays at once, so you kept building.",{"id":585,"label":586,"name":587,"description":588,"rarity":9,"explanation":589},338,"day_three","Hat Trick","Complete 3 new lessons in one day.","Three fresh lessons in a single day. You're on a roll.",{"id":591,"label":592,"name":593,"description":594,"rarity":9,"explanation":595},339,"day_five","Binge Learner","Complete 5 new lessons in one day.","Five new lessons in one day. Better than binge-watching, and you'll remember it.",{"id":597,"label":598,"name":599,"description":600,"rarity":40,"explanation":601},340,"day_ten","Brain Marathon","Complete 10 new lessons in one day.","Ten new lessons in a single day. That's a marathon for the mind.",{"id":603,"label":604,"name":605,"description":606,"rarity":40,"explanation":607},341,"time_night_owl","Night Owl","Complete a lesson between midnight and 5 AM.","Some ideas hit different after midnight. Just don't forget to sleep.",{"id":609,"label":610,"name":611,"description":612,"rarity":40,"explanation":613},342,"time_early_bird","Early Bird","Complete a lesson between 5 AM and 8 AM.","Learning before breakfast. The early bird gets the knowledge.",{"id":615,"label":616,"name":617,"description":618,"rarity":9,"explanation":619},343,"time_weekend","Weekend Warrior","Complete lessons on a Saturday and the Sunday after it.","Curiosity doesn't take weekends off, and neither do you.",{"id":621,"label":622,"name":623,"description":624,"rarity":40,"explanation":625},344,"podium_top_three","On the Podium","Finish in the top 3 of a node's leaderboard.","Pass a lesson with a better result than almost everyone else who has played it.",{"id":627,"label":628,"name":629,"description":630,"rarity":59,"explanation":631},345,"podium_first","Gold Medalist","Finish first on a node's leaderboard.","The best result on a node's leaderboard is yours. Everyone else is chasing you now.",[633,709,786,861,935,1006,1079,1153,1223,1298,1370,1444,1516,1586,1661,1735,1807,1872,1940,2009],{"zone":634,"title":635,"path":636,"tier":634,"theme":637,"lessons":642,"topics":705},1,"Origins of Money","\u002Flearn\u002F1\u002Forigins-of-money",{"key":638,"name":639,"light":640,"dark":641},"old-mint","Old Mint","#0C9B6C","#10B981",[643,650,658,666,673,680,686,692,698],{"stage":634,"step":634,"id":644,"path":645,"node":634,"title":646,"subtitle":647,"topic":648,"track":649},"your-money-isnt-in-the-bank","\u002Flearn\u002F1\u002Forigins-of-money\u002Fyour-money-isnt-in-the-bank","Où est ton argent ?","Ton solde est un chiffre sur un écran ; seul un dollar américain sur dix environ existe en espèces","Monnaie moderne","Banques & banques centrales",{"stage":634,"step":651,"id":652,"path":653,"node":651,"title":654,"subtitle":655,"topic":656,"track":657},2,"what-is-money-really","\u002Flearn\u002F1\u002Forigins-of-money\u002Fwhat-is-money-really","C'est quoi, l'argent, au fond ?","On l'échange, on fixe les prix avec, on le garde, et on y croit","Ce qu'est l'argent","L'argent et son histoire",{"stage":634,"step":659,"id":660,"path":661,"node":659,"title":662,"subtitle":663,"topic":664,"track":665},3,"whats-your-hour-really-worth","\u002Flearn\u002F1\u002Forigins-of-money\u002Fwhats-your-hour-really-worth","Combien vaut vraiment ton heure ?","Ton vrai salaire horaire est plus bas que ce que dit ta fiche de paie","Temps et argent","Travail & métro-boulot-dodo",{"stage":634,"step":667,"id":668,"path":669,"node":667,"title":670,"subtitle":671,"topic":672,"track":657},4,"the-four-cent-penny","\u002Flearn\u002F1\u002Forigins-of-money\u002Fthe-four-cent-penny","Le penny à quatre cents","Fabriquer un cent coûtait presque quatre cents à la Monnaie américaine, alors en 2025 elle a arrêté","Pièces",{"stage":634,"step":674,"id":675,"path":676,"node":674,"title":677,"subtitle":678,"topic":679,"track":657},5,"from-shells-to-coins","\u002Flearn\u002F1\u002Forigins-of-money\u002Ffrom-shells-to-coins","Des coquillages aux pièces","Cauris, morceaux d'argent et premières pièces frappées","Histoire de la monnaie",{"stage":634,"step":681,"id":682,"path":683,"node":681,"title":684,"subtitle":685,"topic":679,"track":657},6,"the-barter-myth","\u002Flearn\u002F1\u002Forigins-of-money\u002Fthe-barter-myth","Le mythe du troc","Les manuels disent qu'on troquait avant l'argent. Les anthropologues n'en trouvent pas trace",{"stage":634,"step":687,"id":688,"path":689,"node":687,"title":690,"subtitle":691,"topic":679,"track":657},7,"paper-promises","\u002Flearn\u002F1\u002Forigins-of-money\u002Fpaper-promises","Promesses de papier","Le premier papier-monnaie était une reconnaissance de dette qu'on pouvait faire circuler",{"stage":634,"step":693,"id":694,"path":695,"node":693,"title":696,"subtitle":697,"topic":679,"track":657},8,"why-its-called-a-dollar","\u002Flearn\u002F1\u002Forigins-of-money\u002Fwhy-its-called-a-dollar","Pourquoi on l'appelle dollar","Le nom est né dans une mine d'argent de Bohême",{"stage":634,"step":699,"id":700,"path":701,"node":699,"title":702,"subtitle":703,"topic":704,"track":657},9,"acres-of-diamonds","\u002Flearn\u002F1\u002Forigins-of-money\u002Facres-of-diamonds","Des acres de diamants","Dans une célèbre conférence de 1890, un fermier vend sa terre pour chercher des diamants dans le monde entier ; le propriétaire suivant les trouve dans le ruisseau derrière la maison","Opportunités",[706,707,708],{"track":657,"count":687},{"track":649,"count":634},{"track":665,"count":634},{"zone":651,"title":710,"path":711,"tier":634,"theme":712,"lessons":717,"topics":782},"The Rat Race","\u002Flearn\u002F2\u002Fthe-rat-race",{"key":713,"name":714,"light":715,"dark":716},"clockwork-city","Clockwork City","#c2410c","#e2581a",[718,725,732,739,746,753,761,768,776],{"stage":651,"step":634,"id":719,"path":720,"node":721,"title":722,"subtitle":723,"topic":724,"track":665},"where-your-paycheck-goes","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fwhere-your-paycheck-goes",10,"Où part ta paie","Le brut, c'est le chiffre qu'on te propose ; le net, c'est ce qui arrive","Fiches de paie",{"stage":651,"step":651,"id":726,"path":727,"node":728,"title":729,"subtitle":730,"topic":731,"track":665},"the-raise-that-costs-you-money","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-raise-that-costs-you-money",11,"L'augmentation qui te coûte de l'argent","Une tranche d'imposition plus haute ne taxe que les dollars au-dessus de la limite","Impôts",{"stage":651,"step":659,"id":733,"path":734,"node":735,"title":736,"subtitle":737,"topic":738,"track":665},"trading-time-for-money","\u002Flearn\u002F2\u002Fthe-rat-race\u002Ftrading-time-for-money",12,"Vendre son temps contre de l'argent","Une paie s'arrête le jour où tu t'arrêtes","Métro-boulot-dodo",{"stage":651,"step":667,"id":740,"path":741,"node":742,"title":743,"subtitle":744,"topic":745,"track":665},"the-40-hour-week-was-a-fight","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-40-hour-week-was-a-fight",13,"La semaine de 40 heures a été un combat","Le week-end n'a pas été offert ; il a été gagné","Histoire du travail",{"stage":651,"step":674,"id":747,"path":748,"node":749,"title":750,"subtitle":751,"topic":752,"track":665},"active-and-passive-income","\u002Flearn\u002F2\u002Fthe-rat-race\u002Factive-and-passive-income",14,"Revenus actifs et passifs","L'argent pour lequel tu travailles, et l'argent qui travaille pour toi","Revenus",{"stage":651,"step":681,"id":754,"path":755,"node":756,"title":757,"subtitle":758,"topic":759,"track":760},"the-hedonic-treadmill","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-hedonic-treadmill",15,"Le tapis roulant hédonique","Chaque amélioration paraît vite normale","Bonheur","Mentalité & psychologie de l'argent",{"stage":651,"step":687,"id":762,"path":763,"node":764,"title":765,"subtitle":766,"topic":767,"track":665},"the-fisherman-and-the-banker","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-fisherman-and-the-banker",16,"Le pêcheur et le banquier","D'après le conte de Heinrich Böll de 1963 : un banquier pousse un pêcheur à bâtir une flotte pour qu'un jour il puisse prendre sa retraite et... pêcher tout l'après-midi","Le sens",{"stage":651,"step":693,"id":769,"path":770,"node":771,"title":772,"subtitle":773,"topic":774,"track":775},"your-freedom-number","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fyour-freedom-number",17,"Ton chiffre de liberté","Combien il faut pour que le travail devienne facultatif","Indépendance financière","Épargne & intérêts composés",{"stage":651,"step":699,"id":777,"path":778,"node":779,"title":780,"subtitle":781,"topic":774,"track":665},"the-savings-rate-shortcut","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-savings-rate-shortcut",18,"Le raccourci du taux d'épargne","Ce que tu gardes compte plus que ce que tu gagnes",[783,784,785],{"track":665,"count":687},{"track":760,"count":634},{"track":775,"count":634},{"zone":659,"title":787,"path":788,"tier":634,"theme":789,"lessons":794,"topics":858},"Business Basics","\u002Flearn\u002F3\u002Fbusiness-basics",{"key":790,"name":791,"light":792,"dark":793},"founders-garage","Founders' Garage","#1d4ed8","#3b7cf0",[795,803,810,817,823,830,837,844,851],{"stage":659,"step":634,"id":796,"path":797,"node":798,"title":799,"subtitle":800,"topic":801,"track":802},"revenue-isnt-profit","\u002Flearn\u002F3\u002Fbusiness-basics\u002Frevenue-isnt-profit",19,"Le chiffre d'affaires n'est pas le bénéfice","Ce qui rentre moins ce qui sort","Bases de l'entreprise","Créer une entreprise",{"stage":659,"step":651,"id":804,"path":805,"node":806,"title":807,"subtitle":808,"topic":809,"track":802},"nine-out-of-ten-fail-in-year-one","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fnine-out-of-ten-fail-in-year-one",20,"Neuf sur dix échouent dès la première année","Selon les données américaines, environ quatre nouvelles entreprises sur cinq passent leur première année","Start-up",{"stage":659,"step":659,"id":811,"path":812,"node":813,"title":814,"subtitle":815,"topic":816,"track":802},"margin-what-you-keep-from-each-sale","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fmargin-what-you-keep-from-each-sale",21,"La marge : ce que tu gardes sur chaque vente","Prix moins coût, article par article","Économie unitaire",{"stage":659,"step":667,"id":818,"path":819,"node":820,"title":821,"subtitle":822,"topic":816,"track":802},"the-break-even-point","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fthe-break-even-point",22,"Le seuil de rentabilité","La vente où tu arrêtes de perdre de l'argent",{"stage":659,"step":674,"id":824,"path":825,"node":826,"title":827,"subtitle":828,"topic":829,"track":802},"your-side-hustle-math","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fyour-side-hustle-math",23,"Le calcul de ton activité d'appoint","Ce que ton idée paie vraiment de l'heure","Activités d'appoint",{"stage":659,"step":681,"id":831,"path":832,"node":833,"title":834,"subtitle":835,"topic":836,"track":802},"three-feet-from-gold","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fthree-feet-from-gold",24,"À trois pieds de l'or","On raconte qu'un mineur a abandonné et vendu son matériel, et que l'acheteur a trouvé le filon trois pieds plus bas","Persévérance",{"stage":659,"step":687,"id":838,"path":839,"node":840,"title":841,"subtitle":842,"topic":843,"track":760},"regret-runs-backwards","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fregret-runs-backwards",25,"Le regret marche à l'envers","Sur le long terme, on regrette ce qu'on n'a pas tenté","Regrets",{"stage":659,"step":693,"id":845,"path":846,"node":847,"title":848,"subtitle":849,"topic":850,"track":802},"why-founders-form-an-llc","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fwhy-founders-form-an-llc",26,"Pourquoi les fondateurs créent une LLC","Un mur entre l'entreprise et ta maison","Structures d'entreprise",{"stage":659,"step":699,"id":852,"path":853,"node":854,"title":855,"subtitle":856,"topic":857,"track":802},"the-ice-king","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fthe-ice-king",27,"Le roi de la glace","Un homme a expédié de la glace de Nouvelle-Angleterre vers les tropiques, et tout le monde a ri","Fondateurs",[859,860],{"track":802,"count":693},{"track":760,"count":634},{"zone":667,"title":862,"path":863,"tier":634,"theme":864,"lessons":869,"topics":932},"Budgeting Basics","\u002Flearn\u002F4\u002Fbudgeting-basics",{"key":865,"name":866,"light":867,"dark":868},"market-bazaar","Market Bazaar","#be185d","#d9327a",[870,878,884,891,898,905,912,919,925],{"stage":667,"step":634,"id":871,"path":872,"node":873,"title":874,"subtitle":875,"topic":876,"track":877},"needs-wants-and-the-gray-zone","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fneeds-wants-and-the-gray-zone",28,"Besoins, envies et zone grise","Le loyer est un besoin. Un appart plus grand, peut-être pas","Budget","Dépenses & budget",{"stage":667,"step":651,"id":879,"path":880,"node":881,"title":882,"subtitle":883,"topic":876,"track":877},"the-50-30-20-budget","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-50-30-20-budget",29,"Le budget 50\u002F30\u002F20","La moitié pour les besoins, un tiers pour les envies, un cinquième pour l'avenir",{"stage":667,"step":659,"id":885,"path":886,"node":887,"title":888,"subtitle":889,"topic":890,"track":877},"why-prices-end-in-99","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fwhy-prices-end-in-99",30,"Pourquoi les prix finissent en ,99","4,99 $ paraît bien moins cher que 5,00 $","Prix",{"stage":667,"step":667,"id":892,"path":893,"node":894,"title":895,"subtitle":896,"topic":897,"track":877},"the-subscriptions-that-never-sleep","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-subscriptions-that-never-sleep",31,"Les abonnements qui ne dorment jamais","De petits prélèvements mensuels font une grosse facture annuelle","Coûts récurrents",{"stage":667,"step":674,"id":899,"path":900,"node":901,"title":902,"subtitle":903,"topic":904,"track":760},"the-pain-of-paying","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-pain-of-paying",32,"La douleur de payer","La carte fait moins mal que les espèces, alors on dépense plus","Psychologie de la dépense",{"stage":667,"step":681,"id":906,"path":907,"node":908,"title":909,"subtitle":910,"topic":911,"track":877},"the-marshmallow-test","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-marshmallow-test",33,"Le test du marshmallow","Des enfants, une friandise tout de suite ou deux plus tard : attendre est dur, et le cadre compte autant que la volonté, selon des études plus récentes","Gratification différée",{"stage":667,"step":687,"id":913,"path":914,"node":915,"title":916,"subtitle":917,"topic":918,"track":877},"cost-per-use","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fcost-per-use",34,"Le coût par utilisation","Un manteau à 200 $ porté tous les jours peut coûter moins qu'une veste à 40 $ jamais portée","Dépenser malin",{"stage":667,"step":693,"id":920,"path":921,"node":922,"title":923,"subtitle":924,"topic":876,"track":877},"where-did-my-month-go","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fwhere-did-my-month-go",35,"Où est passé mon mois ?","Tes dépenses, dessinées en une image",{"stage":667,"step":699,"id":926,"path":927,"node":928,"title":929,"subtitle":930,"topic":931,"track":877},"the-gruen-transfer","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-gruen-transfer",36,"Le transfert Gruen","Les centres commerciaux sont conçus pour te faire oublier pourquoi tu es venu","Design des magasins",[933,934],{"track":877,"count":693},{"track":760,"count":634},{"zone":674,"title":936,"path":937,"tier":634,"theme":938,"lessons":943,"topics":1003},"Compound Interest","\u002Flearn\u002F5\u002Fcompound-interest",{"key":939,"name":940,"light":941,"dark":942},"compound-gardens","Compound Gardens","#4d7c0f","#5f9410",[944,951,958,965,971,977,983,990,997],{"stage":674,"step":634,"id":945,"path":946,"node":947,"title":948,"subtitle":949,"topic":950,"track":775},"pay-yourself-first","\u002Flearn\u002F5\u002Fcompound-interest\u002Fpay-yourself-first",37,"Paie-toi en premier","Épargne avant de dépenser, pas après","Épargne",{"stage":674,"step":651,"id":952,"path":953,"node":954,"title":955,"subtitle":956,"topic":957,"track":775},"simple-interest","\u002Flearn\u002F5\u002Fcompound-interest\u002Fsimple-interest",38,"L'intérêt simple","Des intérêts payés seulement sur ta mise","Intérêts",{"stage":674,"step":659,"id":959,"path":960,"node":961,"title":962,"subtitle":963,"topic":964,"track":775},"interest-on-interest","\u002Flearn\u002F5\u002Fcompound-interest\u002Finterest-on-interest",39,"Des intérêts sur les intérêts","Les intérêts composés changent une ligne droite en courbe","Intérêts composés",{"stage":674,"step":667,"id":966,"path":967,"node":968,"title":969,"subtitle":970,"topic":964,"track":775},"the-rule-of-72","\u002Flearn\u002F5\u002Fcompound-interest\u002Fthe-rule-of-72",40,"La règle de 72","Divise 72 par le taux pour voir à quelle vitesse l'argent double",{"stage":674,"step":674,"id":972,"path":973,"node":974,"title":975,"subtitle":976,"topic":964,"track":775},"einstein-never-said-it","\u002Flearn\u002F5\u002Fcompound-interest\u002Feinstein-never-said-it",41,"Einstein ne l'a jamais dit","La citation de la « huitième merveille du monde » n'a aucune source",{"stage":674,"step":681,"id":978,"path":979,"node":980,"title":981,"subtitle":982,"topic":964,"track":775},"start-at-20-or-at-30","\u002Flearn\u002F5\u002Fcompound-interest\u002Fstart-at-20-or-at-30",42,"Commencer à 20 ou à 30 ans ?","Dix ans d'attente peuvent coûter plus que dix ans d'épargne",{"stage":674,"step":687,"id":984,"path":985,"node":986,"title":987,"subtitle":988,"topic":989,"track":775},"franklins-200-year-gift","\u002Flearn\u002F5\u002Fcompound-interest\u002Ffranklins-200-year-gift",43,"Le cadeau de Franklin, sur 200 ans","Benjamin Franklin a légué 1 000 £ à Boston pour les faire fructifier 200 ans ; en 1990, ils valaient des millions","La patience",{"stage":674,"step":693,"id":991,"path":992,"node":993,"title":994,"subtitle":995,"topic":996,"track":760},"future-you-is-a-stranger","\u002Flearn\u002F5\u002Fcompound-interest\u002Ffuture-you-is-a-stranger",44,"Ton futur toi est un inconnu","Ton cerveau traite ta version plus âgée comme quelqu'un d'autre","Psychologie de l'épargne",{"stage":674,"step":699,"id":998,"path":999,"node":1000,"title":1001,"subtitle":1002,"topic":950,"track":775},"the-emergency-fund","\u002Flearn\u002F5\u002Fcompound-interest\u002Fthe-emergency-fund",45,"Le fonds d'urgence","Du cash qui change une crise en simple contretemps",[1004,1005],{"track":775,"count":693},{"track":760,"count":634},{"zone":681,"title":1007,"path":1008,"tier":634,"theme":1009,"lessons":1014,"topics":1076},"Debt & Credit","\u002Flearn\u002F6\u002Fdebt-and-credit",{"key":1010,"name":1011,"light":1012,"dark":1013},"debt-canyon","Debt Canyon","#b42318","#d63b2f",[1015,1023,1029,1036,1042,1049,1055,1062,1069],{"stage":681,"step":634,"id":1016,"path":1017,"node":1018,"title":1019,"subtitle":1020,"topic":1021,"track":1022},"borrowing-is-renting-money","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fborrowing-is-renting-money",46,"Emprunter, c'est louer de l'argent","L'intérêt est le loyer que tu paies pour utiliser l'argent des autres","Dette","Emprunt, crédit & dette",{"stage":681,"step":651,"id":1024,"path":1025,"node":1026,"title":1027,"subtitle":1028,"topic":1021,"track":1022},"apr-the-real-price-of-a-loan","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fapr-the-real-price-of-a-loan",47,"L'APR, le vrai prix d'un prêt","Un seul chiffre pour comparer tous les prêts",{"stage":681,"step":659,"id":1030,"path":1031,"node":1032,"title":1033,"subtitle":1034,"topic":1035,"track":1022},"the-dinner-that-probably-never-happened","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fthe-dinner-that-probably-never-happened",48,"Le dîner qui n'a sans doute jamais eu lieu","La célèbre naissance de la carte de crédit était un argument de vente","Cartes de crédit",{"stage":681,"step":667,"id":1037,"path":1038,"node":1039,"title":1040,"subtitle":1041,"topic":1035,"track":1022},"the-minimum-payment-trap","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fthe-minimum-payment-trap",49,"Le piège du paiement minimum","Payer le minimum peut étirer un solde de carte sur de longues années",{"stage":681,"step":674,"id":1043,"path":1044,"node":1045,"title":1046,"subtitle":1047,"topic":1048,"track":1022},"the-debt-payoff-race","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fthe-debt-payoff-race",50,"La course au remboursement","Le plus petit solde d'abord, ou le taux le plus élevé d'abord ?","Rembourser ses dettes",{"stage":681,"step":681,"id":1050,"path":1051,"node":1052,"title":1053,"subtitle":1054,"topic":1021,"track":1022},"what-debt-buys","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fwhat-debt-buys",51,"Ce que la dette achète","Emprunter pour ce qui prend de la valeur, ou pour ce qui en perd",{"stage":681,"step":687,"id":1056,"path":1057,"node":1058,"title":1059,"subtitle":1060,"topic":1061,"track":760},"present-bias","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fpresent-bias",52,"Le biais du présent","Aujourd'hui paraît toujours plus réel que demain","Psychologie de l'emprunt",{"stage":681,"step":693,"id":1063,"path":1064,"node":1065,"title":1066,"subtitle":1067,"topic":1068,"track":1022},"twain-pays-it-all-back","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Ftwain-pays-it-all-back",53,"Twain rembourse tout","Ruiné par une machine à composer, Mark Twain a fait le tour du monde sur scène pour rembourser chaque créancier en totalité","Intégrité",{"stage":681,"step":699,"id":1070,"path":1071,"node":1072,"title":1073,"subtitle":1074,"topic":1075,"track":1022},"your-credit-score","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fyour-credit-score",54,"Ton score de crédit","Un nombre à trois chiffres qui fixe le prix de ton prochain prêt","Crédit",[1077,1078],{"track":1022,"count":693},{"track":760,"count":634},{"zone":687,"title":1080,"path":1081,"tier":634,"theme":1082,"lessons":1087,"topics":1150},"How Banks Work","\u002Flearn\u002F7\u002Fhow-banks-work",{"key":1083,"name":1084,"light":1085,"dark":1086},"vault-district","Vault District","#0f766e","#0d8f86",[1088,1095,1101,1108,1115,1122,1129,1136,1143],{"stage":687,"step":634,"id":1089,"path":1090,"node":1091,"title":1092,"subtitle":1093,"topic":1094,"track":649},"what-a-bank-really-is","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fwhat-a-bank-really-is",55,"Ce qu'est vraiment une banque","Un intermédiaire entre épargnants et emprunteurs","Banque",{"stage":687,"step":651,"id":1096,"path":1097,"node":1098,"title":1099,"subtitle":1100,"topic":1094,"track":649},"most-of-it-isnt-there","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fmost-of-it-isnt-there",56,"L'essentiel n'est pas là","Les banques ne gardent qu'une part des dépôts sous la main",{"stage":687,"step":659,"id":1102,"path":1103,"node":1104,"title":1105,"subtitle":1106,"topic":1107,"track":649},"the-vault-nobody-visits","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fthe-vault-nobody-visits",57,"La chambre forte que personne ne visite","Fort Knox abrite environ la moitié de l'or américain","Réserves d'or",{"stage":687,"step":667,"id":1109,"path":1110,"node":1111,"title":1112,"subtitle":1113,"topic":1114,"track":649},"why-your-deposit-is-safe","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fwhy-your-deposit-is-safe",58,"Pourquoi ton dépôt est en sécurité","La FDIC te couvre jusqu'à 250 000 $","Assurance des dépôts",{"stage":687,"step":674,"id":1116,"path":1117,"node":1118,"title":1119,"subtitle":1120,"topic":1121,"track":649},"twenty-seven-dollars","\u002Flearn\u002F7\u002Fhow-banks-work\u002Ftwenty-seven-dollars",59,"Vingt-sept dollars","Muhammad Yunus a payé 27 $ pour libérer 42 villageois, et c'est devenu une banque pour des millions de gens","Confiance",{"stage":687,"step":681,"id":1123,"path":1124,"node":1125,"title":1126,"subtitle":1127,"topic":1128,"track":649},"the-fed-sets-the-price-of-money","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fthe-fed-sets-the-price-of-money",60,"La Fed fixe le prix de l'argent","Un taux décidé à Washington se propage jusqu'à tes prêts","Banques centrales",{"stage":687,"step":687,"id":1130,"path":1131,"node":1132,"title":1133,"subtitle":1134,"topic":1135,"track":649},"banks-just-lend-out-savings","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fbanks-just-lend-out-savings",61,"Les banques ne font que prêter l'épargne","Quand une banque accorde un prêt, elle crée de l'argent neuf","Création monétaire",{"stage":687,"step":693,"id":1137,"path":1138,"node":1139,"title":1140,"subtitle":1141,"topic":1142,"track":649},"the-savings-account-gap","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fthe-savings-account-gap",62,"L'écart entre comptes d'épargne","Le même argent peut rapporter des centaines de fois plus, à portée de doigt","Comptes d'épargne",{"stage":687,"step":699,"id":1144,"path":1145,"node":1146,"title":1147,"subtitle":1148,"topic":1149,"track":760},"mental-accounting","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fmental-accounting",63,"La comptabilité mentale","Un dollar est un dollar, mais on ne le traite pas comme tel","Économie comportementale",[1151,1152],{"track":649,"count":693},{"track":760,"count":634},{"zone":693,"title":1154,"path":1155,"tier":634,"theme":1156,"lessons":1161,"topics":1221},"Inflation Basics","\u002Flearn\u002F8\u002Finflation-basics",{"key":1157,"name":1158,"light":1159,"dark":1160},"balloon-heights","Balloon Heights","#6d30dc","#8556ee",[1162,1170,1176,1182,1188,1194,1200,1207,1214],{"stage":693,"step":634,"id":1163,"path":1164,"node":1165,"title":1166,"subtitle":1167,"topic":1168,"track":1169},"why-a-dollar-buys-less","\u002Flearn\u002F8\u002Finflation-basics\u002Fwhy-a-dollar-buys-less",64,"Pourquoi un dollar achète moins","Les prix grimpent en douce presque chaque année","Inflation","Inflation & économie",{"stage":693,"step":651,"id":1171,"path":1172,"node":1173,"title":1174,"subtitle":1175,"topic":890,"track":1169},"the-5-cent-coke","\u002Flearn\u002F8\u002Finflation-basics\u002Fthe-5-cent-coke",65,"Le Coca à 5 cents","Une bouteille de Coca-Cola a coûté un nickel pendant plus de 70 ans",{"stage":693,"step":659,"id":1177,"path":1178,"node":1179,"title":1180,"subtitle":1181,"topic":1168,"track":1169},"your-money-in-20-years","\u002Flearn\u002F8\u002Finflation-basics\u002Fyour-money-in-20-years",66,"Ton argent dans 20 ans","Ce que tes économies d'aujourd'hui achèteront vraiment plus tard",{"stage":693,"step":667,"id":1183,"path":1184,"node":1185,"title":1186,"subtitle":1187,"topic":1168,"track":1169},"what-causes-inflation","\u002Flearn\u002F8\u002Finflation-basics\u002Fwhat-causes-inflation",67,"D'où vient l'inflation","Trop de monnaie pour trop peu de biens, et d'autres raisons",{"stage":693,"step":674,"id":1189,"path":1190,"node":1191,"title":1192,"subtitle":1193,"topic":1168,"track":1169},"real-and-nominal","\u002Flearn\u002F8\u002Finflation-basics\u002Freal-and-nominal",68,"Réel et nominal","Le chiffre que tu vois et ce qu'il vaut vraiment",{"stage":693,"step":681,"id":1195,"path":1196,"node":1197,"title":1198,"subtitle":1199,"topic":1128,"track":1169},"zero-inflation-is-the-goal","\u002Flearn\u002F8\u002Finflation-basics\u002Fzero-inflation-is-the-goal",69,"L'objectif, c'est zéro inflation","La Fed vise environ 2 %, et exprès",{"stage":693,"step":687,"id":1201,"path":1202,"node":1203,"title":1204,"subtitle":1205,"topic":1206,"track":1169},"the-wheelbarrow-of-marks","\u002Flearn\u002F8\u002Finflation-basics\u002Fthe-wheelbarrow-of-marks",70,"La brouette de marks","Dans l'Allemagne de 1923, les prix doublaient en quelques jours et une vie d'épargne est devenue du papier","Valeur",{"stage":693,"step":693,"id":1208,"path":1209,"node":1210,"title":1211,"subtitle":1212,"topic":1213,"track":1169},"gdp-the-size-of-the-pie","\u002Flearn\u002F8\u002Finflation-basics\u002Fgdp-the-size-of-the-pie",71,"PIB : la taille du gâteau","Tout ce qu'un pays produit en un an, en un seul chiffre","Économie",{"stage":693,"step":699,"id":1215,"path":1216,"node":1217,"title":1218,"subtitle":1219,"topic":1220,"track":1169},"the-big-mac-index","\u002Flearn\u002F8\u002Finflation-basics\u002Fthe-big-mac-index",72,"L'indice Big Mac","Un burger qui compare les monnaies du monde","Devises",[1222],{"track":1169,"count":699},{"zone":699,"title":1224,"path":1225,"tier":634,"theme":1226,"lessons":1231,"topics":1295},"Risk & Insurance","\u002Flearn\u002F9\u002Frisk-and-insurance",{"key":1227,"name":1228,"light":1229,"dark":1230},"safety-net-cove","Safety Net Cove","#0369a1","#0a82c4",[1232,1240,1247,1254,1260,1267,1274,1281,1288],{"stage":699,"step":634,"id":1233,"path":1234,"node":1235,"title":1236,"subtitle":1237,"topic":1238,"track":1239},"risk-and-reward-travel-together","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Frisk-and-reward-travel-together",73,"Risque et rendement vont de pair","Des gains possibles plus hauts vont avec des pertes possibles plus lourdes","Risque","Risque, assurance & probabilités",{"stage":699,"step":651,"id":1241,"path":1242,"node":1243,"title":1244,"subtitle":1245,"topic":1246,"track":1239},"insurance-sharing-bad-luck","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Finsurance-sharing-bad-luck",74,"L'assurance : partager la malchance","Beaucoup paient un peu pour que quelques-uns ne soient pas ruinés","Assurance",{"stage":699,"step":659,"id":1248,"path":1249,"node":1250,"title":1251,"subtitle":1252,"topic":1253,"track":1239},"why-the-house-always-wins","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fwhy-the-house-always-wins",75,"Pourquoi la maison gagne toujours","Les zéros verts de la roulette paient le casino","Probabilités",{"stage":699,"step":667,"id":1255,"path":1256,"node":1257,"title":1258,"subtitle":1259,"topic":1253,"track":1239},"expected-value","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fexpected-value",76,"L'espérance de gain","Ce que vaut un pari en moyenne",{"stage":699,"step":674,"id":1261,"path":1262,"node":1263,"title":1264,"subtitle":1265,"topic":1266,"track":1239},"the-lottery-is-worth-a-shot","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fthe-lottery-is-worth-a-shot",77,"La loterie, ça vaut le coup","Un ticket de Powerball perd de l'argent en moyenne","Loteries",{"stage":699,"step":681,"id":1268,"path":1269,"node":1270,"title":1271,"subtitle":1272,"topic":1273,"track":760},"losses-hurt-twice-as-much","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Flosses-hurt-twice-as-much",78,"Perdre fait deux fois plus mal","Perdre 100 $ fait plus mal que gagner 100 $ ne fait plaisir","Aversion à la perte",{"stage":699,"step":687,"id":1275,"path":1276,"node":1277,"title":1278,"subtitle":1279,"topic":1280,"track":1239},"premiums-and-deductibles","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fpremiums-and-deductibles",79,"Primes et franchises","Ce que tu paies chaque mois, et ce que tu paies quand ça arrive","Assurances",{"stage":699,"step":693,"id":1282,"path":1283,"node":1284,"title":1285,"subtitle":1286,"topic":1287,"track":1239},"is-the-warranty-worth-it","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fis-the-warranty-worth-it",80,"La garantie vaut-elle le coup ?","Évalue l'extension de garantie avec de vraies probabilités","Espérance mathématique",{"stage":699,"step":699,"id":1289,"path":1290,"node":1291,"title":1292,"subtitle":1293,"topic":1294,"track":1239},"the-farmers-lost-horse","\u002Flearn\u002F9\u002Frisk-and-insurance\u002Fthe-farmers-lost-horse",81,"Le cheval perdu du fermier","Dans une vieille parabole chinoise, chaque malchance tourne bien, et chaque chance tourne mal","Incertitude",[1296,1297],{"track":1239,"count":693},{"track":760,"count":634},{"zone":721,"title":1299,"path":1300,"tier":634,"theme":1301,"lessons":1306,"topics":1367},"Stock Basics","\u002Flearn\u002F10\u002Fstock-basics",{"key":1302,"name":1303,"light":1304,"dark":1305},"bull-ridge","Bull Ridge","#9a5b06","#b86e08",[1307,1315,1321,1328,1334,1341,1347,1354,1360],{"stage":721,"step":634,"id":1308,"path":1309,"node":1310,"title":1311,"subtitle":1312,"topic":1313,"track":1314},"a-share-is-a-slice-of-a-company","\u002Flearn\u002F10\u002Fstock-basics\u002Fa-share-is-a-slice-of-a-company",82,"Une action est une part d'entreprise","Possède une action, et tu possèdes un bout de tout ce que fait l'entreprise","Actions","Actions & entreprises",{"stage":721,"step":651,"id":1316,"path":1317,"node":1318,"title":1319,"subtitle":1320,"topic":1313,"track":1314},"how-shareholders-get-paid","\u002Flearn\u002F10\u002Fstock-basics\u002Fhow-shareholders-get-paid",83,"Comment les actionnaires sont payés","Des dividendes et un cours qui monte",{"stage":721,"step":659,"id":1322,"path":1323,"node":1324,"title":1325,"subtitle":1326,"topic":1327,"track":1314},"the-buttonwood-agreement","\u002Flearn\u002F10\u002Fstock-basics\u002Fthe-buttonwood-agreement",84,"L'accord de Buttonwood","Wall Street a commencé sous un arbre","Marchés boursiers",{"stage":721,"step":667,"id":1329,"path":1330,"node":1331,"title":1332,"subtitle":1333,"topic":1327,"track":1314},"why-prices-move","\u002Flearn\u002F10\u002Fstock-basics\u002Fwhy-prices-move",85,"Pourquoi les cours bougent","Une action vaut ce qu'on est prêt à payer",{"stage":721,"step":674,"id":1335,"path":1336,"node":1337,"title":1338,"subtitle":1339,"topic":1340,"track":1314},"100-a-month-in-the-market","\u002Flearn\u002F10\u002Fstock-basics\u002F100-a-month-in-the-market",86,"100 dollars par mois en Bourse","Ce qu'a donné l'investissement régulier dans l'histoire américaine","Investissement",{"stage":721,"step":681,"id":1342,"path":1343,"node":1344,"title":1345,"subtitle":1346,"topic":1340,"track":1314},"you-need-a-lot-to-invest","\u002Flearn\u002F10\u002Fstock-basics\u002Fyou-need-a-lot-to-invest",87,"Il faut beaucoup d'argent pour investir","Les fractions d'action te permettent de commencer avec un dollar",{"stage":721,"step":687,"id":1348,"path":1349,"node":1350,"title":1351,"subtitle":1352,"topic":1353,"track":1314},"owner-or-only-worker","\u002Flearn\u002F10\u002Fstock-basics\u002Fowner-or-only-worker",88,"Propriétaire ou simple salarié ?","Les salariés touchent un salaire ; les propriétaires gagnent sur le travail de tous","Propriété",{"stage":721,"step":693,"id":1355,"path":1356,"node":1357,"title":1358,"subtitle":1359,"topic":989,"track":1314},"buffetts-first-stock","\u002Flearn\u002F10\u002Fstock-basics\u002Fbuffetts-first-stock",89,"Les premières actions de Buffett","À 11 ans, Warren Buffett a acheté trois actions à 38 dollars, les a revendues à 40, puis les a vues grimper vers 200",{"stage":721,"step":699,"id":1361,"path":1362,"node":1363,"title":1364,"subtitle":1365,"topic":1366,"track":760},"selling-winners-keeping-losers","\u002Flearn\u002F10\u002Fstock-basics\u002Fselling-winners-keeping-losers",90,"Vendre les gagnantes, garder les perdantes","On encaisse les gains trop vite et on garde les pertes trop longtemps","Comportement des investisseurs",[1368,1369],{"track":1314,"count":693},{"track":760,"count":634},{"zone":728,"title":1371,"path":1372,"tier":634,"theme":1373,"lessons":1378,"topics":1441},"Bond Basics","\u002Flearn\u002F11\u002Fbond-basics",{"key":1374,"name":1375,"light":1376,"dark":1377},"bond-bridge","Bond Bridge","#4f46e5","#6a6af2",[1379,1387,1393,1400,1406,1413,1420,1427,1434],{"stage":728,"step":634,"id":1380,"path":1381,"node":1382,"title":1383,"subtitle":1384,"topic":1385,"track":1386},"a-bond-is-an-iou","\u002Flearn\u002F11\u002Fbond-basics\u002Fa-bond-is-an-iou",91,"Une obligation est une reconnaissance de dette","Prête de l'argent, récupère-le avec des intérêts","Obligations","Obligations & taux d'intérêt",{"stage":728,"step":651,"id":1388,"path":1389,"node":1390,"title":1391,"subtitle":1392,"topic":1385,"track":1386},"coupon-maturity-face-value","\u002Flearn\u002F11\u002Fbond-basics\u002Fcoupon-maturity-face-value",92,"Coupon, échéance, valeur nominale","Les trois nombres de chaque obligation",{"stage":728,"step":659,"id":1394,"path":1395,"node":1396,"title":1397,"subtitle":1398,"topic":1399,"track":1386},"buy-a-bond-win-a-war","\u002Flearn\u002F11\u002Fbond-basics\u002Fbuy-a-bond-win-a-war",93,"Achète un bon, gagne une guerre","Des dizaines de millions d'Américains ont prêté de l'argent pour la Seconde Guerre mondiale","Histoire des obligations",{"stage":728,"step":667,"id":1401,"path":1402,"node":1403,"title":1404,"subtitle":1405,"topic":1385,"track":1386},"who-borrows-with-bonds","\u002Flearn\u002F11\u002Fbond-basics\u002Fwho-borrows-with-bonds",94,"Qui emprunte avec des obligations","Gouvernements, villes et entreprises",{"stage":728,"step":674,"id":1407,"path":1408,"node":1409,"title":1410,"subtitle":1411,"topic":1412,"track":1386},"the-bond-seesaw","\u002Flearn\u002F11\u002Fbond-basics\u002Fthe-bond-seesaw",95,"La bascule des obligations","Quand les taux montent, le prix des obligations existantes baisse","Taux d'intérêt",{"stage":728,"step":681,"id":1414,"path":1415,"node":1416,"title":1417,"subtitle":1418,"topic":1419,"track":1386},"the-375-year-old-bond","\u002Flearn\u002F11\u002Fbond-basics\u002Fthe-375-year-old-bond",96,"Une obligation plus vieille que les États-Unis","Une obligation néerlandaise de 1648, émise par un office des eaux, verse encore des intérêts à Yale","Promesses",{"stage":728,"step":687,"id":1421,"path":1422,"node":1423,"title":1424,"subtitle":1425,"topic":1426,"track":1386},"bonds-cant-lose-money","\u002Flearn\u002F11\u002Fbond-basics\u002Fbonds-cant-lose-money",97,"Les obligations ne peuvent pas perdre d'argent","En 2022, les obligations américaines ont vécu l'une de leurs pires années jamais enregistrées","Risque obligataire",{"stage":728,"step":693,"id":1428,"path":1429,"node":1430,"title":1431,"subtitle":1432,"topic":1433,"track":1386},"the-king-who-kept-defaulting","\u002Flearn\u002F11\u002Fbond-basics\u002Fthe-king-who-kept-defaulting",98,"Le roi mauvais payeur","Philippe II d'Espagne a cessé de payer ses dettes quatre fois","Dette souveraine",{"stage":728,"step":699,"id":1435,"path":1436,"node":1437,"title":1438,"subtitle":1439,"topic":1440,"track":760},"the-price-of-certainty","\u002Flearn\u002F11\u002Fbond-basics\u002Fthe-price-of-certainty",99,"Le prix de la certitude","On paie un supplément pour faire disparaître totalement un risque","Psychologie du risque",[1442,1443],{"track":1386,"count":693},{"track":760,"count":634},{"zone":735,"title":1445,"path":1446,"tier":634,"theme":1447,"lessons":1452,"topics":1513},"Index Funds","\u002Flearn\u002F12\u002Findex-funds",{"key":1448,"name":1449,"light":1450,"dark":1451},"index-isles","Index Isles","#0e7490","#0b8bab",[1453,1461,1468,1474,1480,1487,1494,1501,1507],{"stage":735,"step":634,"id":1454,"path":1455,"node":1456,"title":1457,"subtitle":1458,"topic":1459,"track":1460},"a-basket-instead-of-one-egg","\u002Flearn\u002F12\u002Findex-funds\u002Fa-basket-instead-of-one-egg",100,"Un panier plutôt qu'un seul œuf","Un fonds détient de nombreux placements à la fois","Fonds","Fonds & indices",{"stage":735,"step":651,"id":1462,"path":1463,"node":1464,"title":1465,"subtitle":1466,"topic":1467,"track":1460},"what-an-index-is","\u002Flearn\u002F12\u002Findex-funds\u002Fwhat-an-index-is",101,"Ce qu'est un indice","Une liste qui représente tout le marché","Indices",{"stage":735,"step":659,"id":1469,"path":1470,"node":1471,"title":1472,"subtitle":1473,"topic":1467,"track":1460},"the-dow-started-with-12","\u002Flearn\u002F12\u002Findex-funds\u002Fthe-dow-started-with-12",102,"Le Dow a commencé avec 12","Un seul membre d'origine a tenu jusqu'à ce siècle",{"stage":735,"step":667,"id":1475,"path":1476,"node":1477,"title":1478,"subtitle":1479,"topic":1459,"track":1460},"active-and-passive-funds","\u002Flearn\u002F12\u002Findex-funds\u002Factive-and-passive-funds",103,"Fonds actifs et fonds passifs","Choisir des actions ou acheter toute la liste",{"stage":735,"step":674,"id":1481,"path":1482,"node":1483,"title":1484,"subtitle":1485,"topic":1486,"track":1460},"what-1-costs-over-a-lifetime","\u002Flearn\u002F12\u002Findex-funds\u002Fwhat-1-costs-over-a-lifetime",104,"Ce que coûte 1 % sur toute une vie","De petits frais peuvent emporter une grosse part du résultat","Frais",{"stage":735,"step":681,"id":1488,"path":1489,"node":1490,"title":1491,"subtitle":1492,"topic":1493,"track":1460},"most-pros-beat-the-market","\u002Flearn\u002F12\u002Findex-funds\u002Fmost-pros-beat-the-market",105,"La plupart des pros battent le marché","Sur 15 ans, la plupart des fonds d'actions américains ont fait moins bien que le S&P 500","Gestion active",{"stage":735,"step":687,"id":1495,"path":1496,"node":1497,"title":1498,"subtitle":1499,"topic":1500,"track":1460},"buffetts-million-dollar-bet","\u002Flearn\u002F12\u002Findex-funds\u002Fbuffetts-million-dollar-bet",106,"Le pari millionnaire de Buffett","En dix ans, un simple fonds indiciel a battu des fonds spéculatifs triés sur le volet","Simplicité",{"stage":735,"step":693,"id":1502,"path":1503,"node":1504,"title":1505,"subtitle":1506,"topic":1459,"track":1460},"etfs-and-mutual-funds","\u002Flearn\u002F12\u002Findex-funds\u002Fetfs-and-mutual-funds",107,"ETF et fonds communs","Deux enveloppes pour le même panier",{"stage":735,"step":699,"id":1508,"path":1509,"node":1510,"title":1511,"subtitle":1512,"topic":1366,"track":760},"doing-nothing-is-hard","\u002Flearn\u002F12\u002Findex-funds\u002Fdoing-nothing-is-hard",108,"Ne rien faire, c'est dur","Ceux qui tradaient le plus gagnaient le moins",[1514,1515],{"track":1460,"count":693},{"track":760,"count":634},{"zone":742,"title":1517,"path":1518,"tier":634,"theme":1519,"lessons":1524,"topics":1584},"Rent or Buy","\u002Flearn\u002F13\u002Frent-or-buy",{"key":1520,"name":1521,"light":1522,"dark":1523},"brick-bay","Brick Bay","#a63f12","#c4511c",[1525,1533,1540,1546,1552,1558,1565,1571,1577],{"stage":742,"step":634,"id":1526,"path":1527,"node":1528,"title":1529,"subtitle":1530,"topic":1531,"track":1532},"rent-or-own-what-you-pay-for","\u002Flearn\u002F13\u002Frent-or-buy\u002Frent-or-own-what-you-pay-for",109,"Louer ou posséder : ce que tu paies","Les deux coûtent de l'argent que tu ne revois jamais","Logement","Immobilier",{"stage":742,"step":651,"id":1534,"path":1535,"node":1536,"title":1537,"subtitle":1538,"topic":1539,"track":1532},"how-a-mortgage-works","\u002Flearn\u002F13\u002Frent-or-buy\u002Fhow-a-mortgage-works",110,"Comment marche un prêt immobilier","Un prêt pour acheter un logement, remboursé sur des décennies","Prêts immobiliers",{"stage":742,"step":659,"id":1541,"path":1542,"node":1543,"title":1544,"subtitle":1545,"topic":1539,"track":1532},"the-30-year-mortgage-is-rare","\u002Flearn\u002F13\u002Frent-or-buy\u002Fthe-30-year-mortgage-is-rare",111,"Le prêt sur 30 ans est une rareté","Peu de pays bloquent le taux d'un prêt immobilier sur 30 ans",{"stage":742,"step":667,"id":1547,"path":1548,"node":1549,"title":1550,"subtitle":1551,"topic":1539,"track":1532},"interest-comes-first","\u002Flearn\u002F13\u002Frent-or-buy\u002Finterest-comes-first",112,"Les intérêts d'abord","Les premières mensualités sont surtout des intérêts",{"stage":742,"step":674,"id":1553,"path":1554,"node":1555,"title":1556,"subtitle":1557,"topic":1539,"track":1532},"what-a-home-really-costs","\u002Flearn\u002F13\u002Frent-or-buy\u002Fwhat-a-home-really-costs",113,"Ce que coûte vraiment un logement","L'étiquette face à tout ce que tu paies",{"stage":742,"step":681,"id":1559,"path":1560,"node":1561,"title":1562,"subtitle":1563,"topic":1564,"track":1532},"down-payments-and-equity","\u002Flearn\u002F13\u002Frent-or-buy\u002Fdown-payments-and-equity",114,"L'apport et la valeur nette","La part de la maison qui est vraiment à toi","Valeur nette immobilière",{"stage":742,"step":687,"id":1566,"path":1567,"node":1568,"title":1569,"subtitle":1570,"topic":1531,"track":1532},"renting-is-throwing-money-away","\u002Flearn\u002F13\u002Frent-or-buy\u002Frenting-is-throwing-money-away",115,"Louer, c'est jeter l'argent par les fenêtres","Les propriétaires aussi ont de l'argent qu'ils ne revoient jamais",{"stage":742,"step":693,"id":1572,"path":1573,"node":1574,"title":1575,"subtitle":1576,"topic":1353,"track":1532},"the-landlords-game","\u002Flearn\u002F13\u002Frent-or-buy\u002Fthe-landlords-game",116,"Le jeu du propriétaire","Lizzie Magie a inventé le jeu devenu le Monopoly, pour montrer comment posséder la terre attire le loyer de tous, et a reçu 500 dollars",{"stage":742,"step":699,"id":1578,"path":1579,"node":1580,"title":1581,"subtitle":1582,"topic":1583,"track":1532},"getting-paid-by-a-building","\u002Flearn\u002F13\u002Frent-or-buy\u002Fgetting-paid-by-a-building",117,"Un immeuble qui te paie","Comment marchent les revenus locatifs","Immobilier locatif",[1585],{"track":1532,"count":699},{"zone":749,"title":1587,"path":1588,"tier":634,"theme":1589,"lessons":1594,"topics":1658},"Crypto Basics","\u002Flearn\u002F14\u002Fcrypto-basics",{"key":1590,"name":1591,"light":1592,"dark":1593},"block-mesa","Block Mesa","#7e22ce","#9638e6",[1595,1603,1610,1617,1624,1631,1638,1645,1652],{"stage":749,"step":634,"id":1596,"path":1597,"node":1598,"title":1599,"subtitle":1600,"topic":1601,"track":1602},"money-without-a-bank","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fmoney-without-a-bank",118,"De l'argent sans banque","Le bitcoin fait circuler de la valeur sans personne au milieu","Cryptomonnaies","Crypto & monnaie numérique",{"stage":749,"step":651,"id":1604,"path":1605,"node":1606,"title":1607,"subtitle":1608,"topic":1609,"track":1602},"the-shared-notebook","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fthe-shared-notebook",119,"Le carnet partagé","Une blockchain est un registre dont chacun garde une copie","Blockchain",{"stage":749,"step":659,"id":1611,"path":1612,"node":1613,"title":1614,"subtitle":1615,"topic":1616,"track":1602},"nobody-knows-who-made-bitcoin","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fnobody-knows-who-made-bitcoin",120,"Personne ne sait qui a créé le bitcoin","Son créateur a disparu en laissant une fortune intacte","Histoire de la crypto",{"stage":749,"step":667,"id":1618,"path":1619,"node":1620,"title":1621,"subtitle":1622,"topic":1623,"track":1602},"why-only-21-million","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fwhy-only-21-million",121,"Pourquoi seulement 21 millions","Une masse monétaire fixée dans le code","Offre de bitcoins",{"stage":749,"step":674,"id":1625,"path":1626,"node":1627,"title":1628,"subtitle":1629,"topic":1630,"track":1602},"keys-and-wallets","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fkeys-and-wallets",122,"Clés et portefeuilles","Qui détient la clé détient les pièces","Sécurité crypto",{"stage":749,"step":681,"id":1632,"path":1633,"node":1634,"title":1635,"subtitle":1636,"topic":1637,"track":1602},"the-10-000-bitcoin-pizza","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fthe-10-000-bitcoin-pizza",123,"La pizza à 10 000 bitcoins","En 2010, un programmeur a acheté deux pizzas avec des pièces qui vaudraient plus tard des centaines de millions","Après coup",{"stage":749,"step":687,"id":1639,"path":1640,"node":1641,"title":1642,"subtitle":1643,"topic":1644,"track":1602},"crypto-is-anonymous","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fcrypto-is-anonymous",124,"La crypto est anonyme","Chaque paiement en bitcoin est public pour toujours","Confidentialité des cryptos",{"stage":749,"step":693,"id":1646,"path":1647,"node":1648,"title":1649,"subtitle":1650,"topic":1651,"track":760},"fear-of-missing-out","\u002Flearn\u002F14\u002Fcrypto-basics\u002Ffear-of-missing-out",125,"La peur de rater quelque chose","Voir les autres s'enrichir nous fait oublier les risques","Instinct grégaire",{"stage":749,"step":699,"id":1653,"path":1654,"node":1655,"title":1656,"subtitle":1657,"topic":1616,"track":1602},"the-coin-that-started-as-a-joke","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fthe-coin-that-started-as-a-joke",126,"La crypto née d'une blague","Dogecoin a été créé pour se moquer de la crypto",[1659,1660],{"track":1602,"count":693},{"track":760,"count":634},{"zone":756,"title":1662,"path":1663,"tier":634,"theme":1664,"lessons":1669,"topics":1732},"Bubbles & Scams","\u002Flearn\u002F15\u002Fbubbles-and-scams",{"key":1665,"name":1666,"light":1667,"dark":1668},"bubble-bay","Bubble Bay","#c0267a","#e04096",[1670,1678,1685,1692,1698,1704,1711,1718,1725],{"stage":756,"step":634,"id":1671,"path":1672,"node":1673,"title":1674,"subtitle":1675,"topic":1676,"track":1677},"what-a-bubble-is","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fwhat-a-bubble-is",127,"Ce qu'est une bulle","Quand les prix flottent bien au-dessus de ce que valent les choses","Bulles","Bulles, arnaques et krachs",{"stage":756,"step":651,"id":1679,"path":1680,"node":1681,"title":1682,"subtitle":1683,"topic":1684,"track":1677},"the-ponzi-shape","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fthe-ponzi-shape",128,"La forme du système de Ponzi","Les anciens investisseurs sont payés avec l'argent des nouveaux","Fraude",{"stage":756,"step":659,"id":1686,"path":1687,"node":1688,"title":1689,"subtitle":1690,"topic":1691,"track":1677},"25-years-to-get-back","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002F25-years-to-get-back",129,"25 ans pour remonter","Le Dow n'a retrouvé son sommet de 1929 qu'en 1954","Krachs",{"stage":756,"step":667,"id":1693,"path":1694,"node":1695,"title":1696,"subtitle":1697,"topic":1684,"track":1677},"red-flags-of-a-scam","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fred-flags-of-a-scam",130,"Les signaux d'alarme d'une arnaque","Garanti, urgent, secret",{"stage":756,"step":674,"id":1699,"path":1700,"node":1701,"title":1702,"subtitle":1703,"topic":1684,"track":1677},"smart-people-dont-get-scammed","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fsmart-people-dont-get-scammed",131,"Les gens malins ne se font pas arnaquer","Les jeunes adultes déclarent perdre de l'argent à cause d'une fraude plus souvent que les plus âgés",{"stage":756,"step":681,"id":1705,"path":1706,"node":1707,"title":1708,"subtitle":1709,"topic":1710,"track":1677},"pump-and-dump","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fpump-and-dump",132,"Le pump and dump","Fais mousser une action, vends-la à la foule, disparais","Manipulation de marché",{"stage":756,"step":687,"id":1712,"path":1713,"node":1714,"title":1715,"subtitle":1716,"topic":1717,"track":1677},"tulip-mania","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Ftulip-mania",133,"La tulipomanie","Des marchands hollandais ont fait grimper de simples bulbes de tulipe jusqu'à des prix délirants, mais le krach a été moins grave que ne le dit la légende","Foules",{"stage":756,"step":693,"id":1719,"path":1720,"node":1721,"title":1722,"subtitle":1723,"topic":1724,"track":760},"following-the-herd","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Ffollowing-the-herd",134,"Suivre le troupeau","On fait confiance à la foule, même quand elle a tort","Comportement grégaire",{"stage":756,"step":699,"id":1726,"path":1727,"node":1728,"title":1729,"subtitle":1730,"topic":1731,"track":1677},"ponzi-wasnt-first","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fponzi-wasnt-first",135,"Ponzi n'était pas le premier","Une Bostonienne a monté le même système 40 ans plus tôt","Histoire de la fraude",[1733,1734],{"track":1677,"count":693},{"track":760,"count":634},{"zone":764,"title":1736,"path":1737,"tier":634,"theme":1738,"lessons":1743,"topics":1805},"Money & Happiness","\u002Flearn\u002F16\u002Fmoney-and-happiness",{"key":1739,"name":1740,"light":1741,"dark":1742},"mind-maze","Mind Maze","#8a5a00","#a86e04",[1744,1751,1758,1764,1770,1777,1784,1791,1798],{"stage":764,"step":634,"id":1745,"path":1746,"node":1747,"title":1748,"subtitle":1749,"topic":1750,"track":760},"scarcity-shrinks-your-bandwidth","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fscarcity-shrinks-your-bandwidth",136,"Le manque réduit ta bande passante","Les soucis d'argent prennent de la place dans ta tête","Le manque",{"stage":764,"step":651,"id":1752,"path":1753,"node":1754,"title":1755,"subtitle":1756,"topic":1757,"track":760},"your-money-story","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fyour-money-story",137,"Ton histoire avec l'argent","Ce que tu as appris sur l'argent enfant mène encore la danse","Croyances sur l'argent",{"stage":764,"step":659,"id":1759,"path":1760,"node":1761,"title":1762,"subtitle":1763,"topic":759,"track":760},"does-winning-the-lottery-make-you-happy","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fdoes-winning-the-lottery-make-you-happy",138,"Gagner au loto rend-il heureux ?","La célèbre étude des « gagnants malheureux » était minuscule",{"stage":764,"step":667,"id":1765,"path":1766,"node":1767,"title":1768,"subtitle":1769,"topic":759,"track":760},"money-and-happiness","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fmoney-and-happiness",139,"L'argent et le bonheur","Plus d'argent aide, jusqu'à un certain point et au-delà",{"stage":764,"step":674,"id":1771,"path":1772,"node":1773,"title":1774,"subtitle":1775,"topic":1776,"track":760},"if-then-plans","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fif-then-plans",140,"Les plans « si… alors »","Choisir le moment à l'avance aide les objectifs à tenir","Objectifs",{"stage":764,"step":681,"id":1778,"path":1779,"node":1780,"title":1781,"subtitle":1782,"topic":1783,"track":760},"one-percent-better","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fone-percent-better",141,"Un pour cent de mieux","Les petits progrès quotidiens grossissent comme des intérêts composés","Habitudes",{"stage":764,"step":687,"id":1785,"path":1786,"node":1787,"title":1788,"subtitle":1789,"topic":1790,"track":760},"millionaires-mostly-inherited-it","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fmillionaires-mostly-inherited-it",142,"La plupart des millionnaires ont hérité","Dans une étude classique, la plupart des millionnaires américains ont fait fortune par eux-mêmes","Richesse",{"stage":764,"step":693,"id":1792,"path":1793,"node":1794,"title":1795,"subtitle":1796,"topic":1797,"track":760},"the-ant-and-the-grasshopper","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fthe-ant-and-the-grasshopper",143,"La Fourmi et la Sauterelle","La fourmi d'Ésope fait des réserves de grain pendant que la sauterelle chante tout l'été","Planification",{"stage":764,"step":699,"id":1799,"path":1800,"node":1801,"title":1802,"subtitle":1803,"topic":1804,"track":760},"comparison-is-a-thief","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fcomparison-is-a-thief",144,"La comparaison est une voleuse","La paie de tes voisins change ce que tu ressens pour la tienne","Comparaison",[1806],{"track":760,"count":699},{"zone":771,"title":1808,"path":1809,"tier":651,"theme":637,"lessons":1810,"topics":1869},"Gold & the Dollar","\u002Flearn\u002F17\u002Fgold-and-the-dollar",[1811,1818,1825,1831,1838,1844,1850,1856,1863],{"stage":771,"step":634,"id":1812,"path":1813,"node":1814,"title":1815,"subtitle":1816,"topic":1817,"track":657},"the-gold-standard","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-gold-standard",145,"L'étalon-or","Quand chaque dollar s'échangeait contre de l'or","Histoire monétaire",{"stage":771,"step":651,"id":1819,"path":1820,"node":1821,"title":1822,"subtitle":1823,"topic":1824,"track":657},"the-100-000-bill","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-100-000-bill",146,"Le billet de 100 000 dollars","Il existe, mais tu ne pourrais jamais le dépenser","Monnaie",{"stage":771,"step":659,"id":1826,"path":1827,"node":1828,"title":1829,"subtitle":1830,"topic":1817,"track":657},"greenbacks-money-for-a-war","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fgreenbacks-money-for-a-war",147,"Les greenbacks : de l'argent pour une guerre","La guerre de Sécession a donné aux États-Unis un papier-monnaie garanti par la loi, pas par l'or",{"stage":771,"step":667,"id":1832,"path":1833,"node":1834,"title":1835,"subtitle":1836,"topic":1837,"track":657},"the-dollar-is-backed-by-gold","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-dollar-is-backed-by-gold",148,"Le dollar est garanti par l'or","Ce n'est plus le cas depuis 1971","Monnaie fiduciaire",{"stage":771,"step":674,"id":1839,"path":1840,"node":1841,"title":1842,"subtitle":1843,"topic":648,"track":657},"who-makes-the-dollar","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fwho-makes-the-dollar",149,"Qui fabrique le dollar","La Monnaie, l'imprimerie des billets et la Fed",{"stage":771,"step":681,"id":1845,"path":1846,"node":1847,"title":1848,"subtitle":1849,"topic":1121,"track":657},"the-stone-that-sank","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-stone-that-sank",150,"La pierre qui a coulé","À Yap, une pièce de pierre géante perdue en mer comptait encore comme richesse, car tout le monde s'accordait à dire qu'elle existait",{"stage":771,"step":687,"id":1851,"path":1852,"node":1853,"title":1854,"subtitle":1855,"topic":1824,"track":657},"dollar-bills-are-mostly-cotton","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fdollar-bills-are-mostly-cotton",151,"Les billets de dollar sont surtout du coton","C'est pour ça qu'ils survivent à la machine à laver",{"stage":771,"step":693,"id":1857,"path":1858,"node":1859,"title":1860,"subtitle":1861,"topic":1862,"track":657},"checks-cards-and-taps","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fchecks-cards-and-taps",152,"Chèques, cartes et sans contact","Comment les Américains sont passés du papier au plastique, puis au téléphone","Paiements",{"stage":771,"step":699,"id":1864,"path":1865,"node":1866,"title":1867,"subtitle":1868,"topic":1149,"track":760},"the-endowment-effect","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-endowment-effect",153,"L'effet de dotation","Posséder une chose la fait paraître plus précieuse",[1870,1871],{"track":657,"count":693},{"track":760,"count":634},{"zone":779,"title":1873,"path":1874,"tier":651,"theme":712,"lessons":1875,"topics":1937},"Pay & Benefits","\u002Flearn\u002F18\u002Fpay-and-benefits",[1876,1883,1890,1897,1903,1910,1917,1923,1930],{"stage":779,"step":634,"id":1877,"path":1878,"node":1879,"title":1880,"subtitle":1881,"topic":1882,"track":665},"your-total-compensation","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fyour-total-compensation",154,"Ta rémunération totale","Ton salaire n'est qu'une partie de ce que paie un emploi","Rémunération",{"stage":779,"step":651,"id":1884,"path":1885,"node":1886,"title":1887,"subtitle":1888,"topic":1889,"track":665},"the-employer-match","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fthe-employer-match",155,"L'abondement de l'employeur","L'argent que ton employeur ajoute quand tu épargnes","Plans de retraite",{"stage":779,"step":659,"id":1891,"path":1892,"node":1893,"title":1894,"subtitle":1895,"topic":1896,"track":665},"a-dozen-jobs-in-a-lifetime","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fa-dozen-jobs-in-a-lifetime",156,"Une douzaine d'emplois dans une vie","La carrière américaine moyenne compte de nombreux chapitres","Carrières",{"stage":779,"step":667,"id":1898,"path":1899,"node":1900,"title":1901,"subtitle":1902,"topic":731,"track":665},"w-2-or-1099","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fw-2-or-1099",157,"W-2 ou 1099","Salarié ou indépendant, tes impôts changent",{"stage":779,"step":674,"id":1904,"path":1905,"node":1906,"title":1907,"subtitle":1908,"topic":1909,"track":665},"every-hour-over-40-pays-extra","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fevery-hour-over-40-pays-extra",158,"Chaque heure après 40 est payée en plus","Beaucoup de salariés au fixe ne touchent aucune heure sup","Droit du travail",{"stage":779,"step":681,"id":1911,"path":1912,"node":1913,"title":1914,"subtitle":1915,"topic":1916,"track":665},"negotiating-your-pay","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fnegotiating-your-pay",159,"Négocier ton salaire","Le premier chiffre sur la table façonne le résultat","Négociation",{"stage":779,"step":687,"id":1918,"path":1919,"node":1920,"title":1921,"subtitle":1922,"topic":752,"track":665},"what-a-raise-is-worth","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fwhat-a-raise-is-worth",160,"Ce que vaut une augmentation","Une petite augmentation se cumule sur toute une carrière",{"stage":779,"step":693,"id":1924,"path":1925,"node":1926,"title":1927,"subtitle":1928,"topic":1929,"track":760},"the-sunk-cost-trap","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fthe-sunk-cost-trap",161,"Le piège du coût irrécupérable","Les années déjà investies ne devraient pas décider des suivantes","Prise de décision",{"stage":779,"step":699,"id":1931,"path":1932,"node":1933,"title":1934,"subtitle":1935,"topic":1936,"track":665},"the-bobbin-boy","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fthe-bobbin-boy",162,"Le petit bobineur","Andrew Carnegie a commencé à 1,20 dollar par semaine dans une filature de coton, a bâti un empire de l'acier et en a donné l'essentiel","Ambition",[1938,1939],{"track":665,"count":693},{"track":760,"count":634},{"zone":798,"title":1941,"path":1942,"tier":651,"theme":789,"lessons":1943,"topics":2006},"Starting a Business","\u002Flearn\u002F19\u002Fstarting-a-business",[1944,1951,1958,1965,1972,1979,1986,1992,1999],{"stage":798,"step":634,"id":1945,"path":1946,"node":1947,"title":1948,"subtitle":1949,"topic":1950,"track":802},"find-a-problem-people-pay-for","\u002Flearn\u002F19\u002Fstarting-a-business\u002Ffind-a-problem-people-pay-for",163,"Trouve un problème pour lequel on paie","Les entreprises vendent des solutions à de vraies galères","Idées",{"stage":798,"step":651,"id":1952,"path":1953,"node":1954,"title":1955,"subtitle":1956,"topic":1957,"track":802},"your-first-customer","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fyour-first-customer",164,"Ton premier client","Vends-le avant de le créer","Valider une idée",{"stage":798,"step":659,"id":1959,"path":1960,"node":1961,"title":1962,"subtitle":1963,"topic":1964,"track":802},"post-it-notes-were-a-failed-glue","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fpost-it-notes-were-a-failed-glue",165,"Les Post-it, une colle ratée","Un adhésif faiblard devenu un best-seller","Inventions",{"stage":798,"step":667,"id":1966,"path":1967,"node":1968,"title":1969,"subtitle":1970,"topic":1971,"track":802},"a-business-needs-employees","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fa-business-needs-employees",166,"Une entreprise a besoin de salariés","Environ quatre entreprises américaines sur cinq n'en ont aucun","Petites entreprises",{"stage":798,"step":674,"id":1973,"path":1974,"node":1975,"title":1976,"subtitle":1977,"topic":1978,"track":802},"spanxs-5-000","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fspanxs-5-000",167,"Les 5 000 dollars de Spanx","Sara Blakely vendait des fax en porte-à-porte, a coupé les pieds de ses collants et a bâti Spanx avec 5 000 dollars d'économies","Commencer",{"stage":798,"step":681,"id":1980,"path":1981,"node":1982,"title":1983,"subtitle":1984,"topic":1985,"track":802},"cost-plus-or-value-pricing","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fcost-plus-or-value-pricing",168,"Prix coût majoré ou fondé sur la valeur","Facture ce que ça coûte ou ce que ça vaut","Tarification",{"stage":798,"step":687,"id":1987,"path":1988,"node":1989,"title":1990,"subtitle":1991,"topic":829,"track":802},"how-many-customers-to-quit-your-job","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fhow-many-customers-to-quit-your-job",169,"Combien de clients pour quitter ton job ?","Ton chiffre d'évasion, en clients",{"stage":798,"step":693,"id":1993,"path":1994,"node":1995,"title":1996,"subtitle":1997,"topic":1998,"track":802},"bootstrapping-or-investors","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fbootstrapping-or-investors",170,"Autofinancement ou investisseurs","Utilise ton propre argent ou vends une part de l'entreprise","Financement",{"stage":798,"step":699,"id":2000,"path":2001,"node":2002,"title":2003,"subtitle":2004,"topic":2005,"track":760},"the-spotlight-effect","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fthe-spotlight-effect",171,"L'effet projecteur","Les gens te remarquent bien moins que tu ne le crois","Peur du jugement",[2007,2008],{"track":802,"count":693},{"track":760,"count":634},{"zone":806,"title":2010,"path":2011,"tier":651,"theme":864,"lessons":2012,"topics":2071},"Lifestyle Creep","\u002Flearn\u002F20\u002Flifestyle-creep",[2013,2019,2025,2032,2038,2045,2051,2058,2064],{"stage":806,"step":634,"id":2014,"path":2015,"node":2016,"title":2017,"subtitle":2018,"topic":876,"track":877},"fixed-and-variable-costs-at-home","\u002Flearn\u002F20\u002Flifestyle-creep\u002Ffixed-and-variable-costs-at-home",172,"Coûts fixes et variables à la maison","Les dépenses qui ne bougent jamais et celles que tu contrôles",{"stage":806,"step":651,"id":2020,"path":2021,"node":2022,"title":2023,"subtitle":2024,"topic":890,"track":877},"the-decoy-price","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-decoy-price",173,"Le prix leurre","Une option inutile peut faire passer une autre pour une affaire",{"stage":806,"step":659,"id":2026,"path":2027,"node":2028,"title":2029,"subtitle":2030,"topic":2031,"track":877},"lifestyle-creep","\u002Flearn\u002F20\u002Flifestyle-creep\u002Flifestyle-creep",174,"L'inflation du train de vie","Quand les dépenses rattrapent chaque augmentation","Dépenses",{"stage":806,"step":667,"id":2033,"path":2034,"node":2035,"title":2036,"subtitle":2037,"topic":876,"track":877},"sinking-funds","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fsinking-funds",175,"Les fonds d'amortissement","Mettre un peu de côté chaque mois pour les dépenses que tu vois venir",{"stage":806,"step":674,"id":2039,"path":2040,"node":2041,"title":2042,"subtitle":2043,"topic":2044,"track":877},"a-new-car-is-an-investment","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fa-new-car-is-an-investment",176,"Une voiture neuve est un investissement","La plupart des voitures perdent vite de la valeur","Voitures",{"stage":806,"step":681,"id":2046,"path":2047,"node":2048,"title":2049,"subtitle":2050,"topic":2044,"track":877},"the-true-cost-of-a-car","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-true-cost-of-a-car",177,"Le vrai coût d'une voiture","Mensualité, assurance, essence, réparations et la valeur qu'elle perd",{"stage":806,"step":687,"id":2052,"path":2053,"node":2054,"title":2055,"subtitle":2056,"topic":2057,"track":877},"the-diderot-effect","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-diderot-effect",178,"L'effet Diderot","La belle robe de chambre neuve d'un philosophe a rendu miteux tout ce qu'il possédait, et les remplacements ne se sont plus arrêtés","L'envie",{"stage":806,"step":693,"id":2059,"path":2060,"node":2061,"title":2062,"subtitle":2063,"topic":1149,"track":760},"the-ikea-effect","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-ikea-effect",179,"L'effet IKEA","On aime ce qu'on construit soi-même",{"stage":806,"step":699,"id":2065,"path":2066,"node":2067,"title":2068,"subtitle":2069,"topic":2070,"track":877},"the-30-day-pause","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-30-day-pause",180,"La pause de 30 jours","Attendre avant de céder à une envie montre si elle tient encore","Habitudes de dépense",[2072,2073],{"track":877,"count":693},{"track":760,"count":634}]