[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"catalog-fr":3,"intro-sinking-funds-fr":1445},[4,80,157,232,306,377,450,524,594,669,741,815,887,957,1032,1106,1178,1243,1311,1380],{"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","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":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","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":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","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":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","Le penny à quatre cents","Fabriquer un cent coûtait presque quatre cents à la Monnaie américaine, alors en 2025 elle a arrêté","Pièces",{"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","Des coquillages aux pièces","Cauris, morceaux d'argent et premières pièces frappées","Histoire de la monnaie",{"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","Le mythe du troc","Les manuels disent qu'on troquait avant l'argent. Les anthropologues n'en trouvent pas trace",{"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","Promesses de papier","Le premier papier-monnaie était une reconnaissance de dette qu'on pouvait faire circuler",{"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","Pourquoi on l'appelle dollar","Le nom est né dans une mine d'argent de Bohême",{"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","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",[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,"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":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,"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":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,"Vendre son temps contre de l'argent","Une paie s'arrête le jour où tu t'arrêtes","Métro-boulot-dodo",{"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 semaine de 40 heures a été un combat","Le week-end n'a pas été offert ; il a été gagné","Histoire du travail",{"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,"Revenus actifs et passifs","L'argent pour lequel tu travailles, et l'argent qui travaille pour toi","Revenus",{"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,"Le tapis roulant hédonique","Chaque amélioration paraît vite normale","Bonheur","Mentalité & psychologie de l'argent",{"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,"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":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,"Ton chiffre de liberté","Combien il faut pour que le travail devienne facultatif","Indépendance financière","Épargne & intérêts composés",{"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,"Le raccourci du taux d'épargne","Ce que tu gardes compte plus que ce que tu gagnes",[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,"Le chiffre d'affaires n'est pas le bénéfice","Ce qui rentre moins ce qui sort","Bases de l'entreprise","Créer une entreprise",{"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,"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":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,"La marge : ce que tu gardes sur chaque vente","Prix moins coût, article par article","Économie unitaire",{"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,"Le seuil de rentabilité","La vente où tu arrêtes de perdre de l'argent",{"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,"Le calcul de ton activité d'appoint","Ce que ton idée paie vraiment de l'heure","Activités d'appoint",{"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,"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":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,"Le regret marche à l'envers","Sur le long terme, on regrette ce qu'on n'a pas tenté","Regrets",{"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,"Pourquoi les fondateurs créent une LLC","Un mur entre l'entreprise et ta maison","Structures d'entreprise",{"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,"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",[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,"Besoins, envies et zone grise","Le loyer est un besoin. Un appart plus grand, peut-être pas","Budget","Dépenses & budget",{"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,"Le budget 50\u002F30\u002F20","La moitié pour les besoins, un tiers pour les envies, un cinquième pour l'avenir",{"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,"Pourquoi les prix finissent en ,99","4,99 $ paraît bien moins cher que 5,00 $","Prix",{"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,"Les abonnements qui ne dorment jamais","De petits prélèvements mensuels font une grosse facture annuelle","Coûts récurrents",{"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,"La douleur de payer","La carte fait moins mal que les espèces, alors on dépense plus","Psychologie de la dépense",{"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,"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":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,"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":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,"Où est passé mon mois ?","Tes dépenses, dessinées en une image",{"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,"Le transfert Gruen","Les centres commerciaux sont conçus pour te faire oublier pourquoi tu es venu","Design des magasins",[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,"Paie-toi en premier","Épargne avant de dépenser, pas après","Épargne",{"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,"L'intérêt simple","Des intérêts payés seulement sur ta mise","Intérêts",{"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,"Des intérêts sur les intérêts","Les intérêts composés changent une ligne droite en courbe","Intérêts composés",{"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 règle de 72","Divise 72 par le taux pour voir à quelle vitesse l'argent double",{"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 ne l'a jamais dit","La citation de la « huitième merveille du monde » n'a aucune source",{"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,"Commencer à 20 ou à 30 ans ?","Dix ans d'attente peuvent coûter plus que dix ans d'épargne",{"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,"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":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,"Ton futur toi est un inconnu","Ton cerveau traite ta version plus âgée comme quelqu'un d'autre","Psychologie de l'épargne",{"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,"Le fonds d'urgence","Du cash qui change une crise en simple contretemps",[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,"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":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,"L'APR, le vrai prix d'un prêt","Un seul chiffre pour comparer tous les prêts",{"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,"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":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,"Le piège du paiement minimum","Payer le minimum peut étirer un solde de carte sur de longues années",{"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 course au remboursement","Le plus petit solde d'abord, ou le taux le plus élevé d'abord ?","Rembourser ses dettes",{"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,"Ce que la dette achète","Emprunter pour ce qui prend de la valeur, ou pour ce qui en perd",{"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,"Le biais du présent","Aujourd'hui paraît toujours plus réel que demain","Psychologie de l'emprunt",{"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 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":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,"Ton score de crédit","Un nombre à trois chiffres qui fixe le prix de ton prochain prêt","Crédit",[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,"Ce qu'est vraiment une banque","Un intermédiaire entre épargnants et emprunteurs","Banque",{"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,"L'essentiel n'est pas là","Les banques ne gardent qu'une part des dépôts sous la main",{"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 chambre forte que personne ne visite","Fort Knox abrite environ la moitié de l'or américain","Réserves d'or",{"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,"Pourquoi ton dépôt est en sécurité","La FDIC te couvre jusqu'à 250 000 $","Assurance des dépôts",{"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,"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":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 fixe le prix de l'argent","Un taux décidé à Washington se propage jusqu'à tes prêts","Banques 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,"Les banques ne font que prêter l'épargne","Quand une banque accorde un prêt, elle crée de l'argent neuf","Création monétaire",{"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,"L'écart entre comptes d'épargne","Le même argent peut rapporter des centaines de fois plus, à portée de doigt","Comptes d'épargne",{"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,"La comptabilité mentale","Un dollar est un dollar, mais on ne le traite pas comme tel","Économie comportementale",[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,"Pourquoi un dollar achète moins","Les prix grimpent en douce presque chaque année","Inflation","Inflation & économie",{"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,"Le Coca à 5 cents","Une bouteille de Coca-Cola a coûté un nickel pendant plus de 70 ans",{"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,"Ton argent dans 20 ans","Ce que tes économies d'aujourd'hui achèteront vraiment plus tard",{"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,"D'où vient l'inflation","Trop de monnaie pour trop peu de biens, et d'autres raisons",{"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,"Réel et nominal","Le chiffre que tu vois et ce qu'il vaut vraiment",{"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,"L'objectif, c'est zéro inflation","La Fed vise environ 2 %, et exprès",{"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 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":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 : la taille du gâteau","Tout ce qu'un pays produit en un an, en un seul chiffre","Économie",{"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,"L'indice Big Mac","Un burger qui compare les monnaies du monde","Devises",[593],{"track":540,"count":70},{"zone":70,"title":595,"path":596,"tier":5,"theme":597,"lessons":602,"topics":666},"Risk & Insurance","\u002Flearn\u002F9\u002Frisk-and-insurance",{"key":598,"name":599,"light":600,"dark":601},"safety-net-cove","Safety Net Cove","#0369a1","#0a82c4",[603,611,618,625,631,638,645,652,659],{"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,"Risque et rendement vont de pair","Des gains possibles plus hauts vont avec des pertes possibles plus lourdes","Risque","Risque, assurance & probabilités",{"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,"L'assurance : partager la malchance","Beaucoup paient un peu pour que quelques-uns ne soient pas ruinés","Assurance",{"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,"Pourquoi la maison gagne toujours","Les zéros verts de la roulette paient le casino","Probabilités",{"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,"L'espérance de gain","Ce que vaut un pari en moyenne",{"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,"La loterie, ça vaut le coup","Un ticket de Powerball perd de l'argent en moyenne","Loteries",{"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,"Perdre fait deux fois plus mal","Perdre 100 $ fait plus mal que gagner 100 $ ne fait plaisir","Aversion à la perte",{"stage":70,"step":58,"id":646,"path":647,"node":648,"title":649,"subtitle":650,"topic":651,"track":610},"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":70,"step":64,"id":653,"path":654,"node":655,"title":656,"subtitle":657,"topic":658,"track":610},"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":70,"step":70,"id":660,"path":661,"node":662,"title":663,"subtitle":664,"topic":665,"track":610},"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",[667,668],{"track":610,"count":64},{"track":131,"count":5},{"zone":92,"title":670,"path":671,"tier":5,"theme":672,"lessons":677,"topics":738},"Stock Basics","\u002Flearn\u002F10\u002Fstock-basics",{"key":673,"name":674,"light":675,"dark":676},"bull-ridge","Bull Ridge","#9a5b06","#b86e08",[678,686,692,699,705,712,718,725,731],{"stage":92,"step":5,"id":679,"path":680,"node":681,"title":682,"subtitle":683,"topic":684,"track":685},"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":92,"step":22,"id":687,"path":688,"node":689,"title":690,"subtitle":691,"topic":684,"track":685},"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":92,"step":30,"id":693,"path":694,"node":695,"title":696,"subtitle":697,"topic":698,"track":685},"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":92,"step":38,"id":700,"path":701,"node":702,"title":703,"subtitle":704,"topic":698,"track":685},"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":92,"step":45,"id":706,"path":707,"node":708,"title":709,"subtitle":710,"topic":711,"track":685},"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":92,"step":52,"id":713,"path":714,"node":715,"title":716,"subtitle":717,"topic":711,"track":685},"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":92,"step":58,"id":719,"path":720,"node":721,"title":722,"subtitle":723,"topic":724,"track":685},"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":92,"step":64,"id":726,"path":727,"node":728,"title":729,"subtitle":730,"topic":360,"track":685},"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":92,"step":70,"id":732,"path":733,"node":734,"title":735,"subtitle":736,"topic":737,"track":131},"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",[739,740],{"track":685,"count":64},{"track":131,"count":5},{"zone":99,"title":742,"path":743,"tier":5,"theme":744,"lessons":749,"topics":812},"Bond Basics","\u002Flearn\u002F11\u002Fbond-basics",{"key":745,"name":746,"light":747,"dark":748},"bond-bridge","Bond Bridge","#4f46e5","#6a6af2",[750,758,764,771,777,784,791,798,805],{"stage":99,"step":5,"id":751,"path":752,"node":753,"title":754,"subtitle":755,"topic":756,"track":757},"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":99,"step":22,"id":759,"path":760,"node":761,"title":762,"subtitle":763,"topic":756,"track":757},"coupon-maturity-face-value","\u002Flearn\u002F11\u002Fbond-basics\u002Fcoupon-maturity-face-value",92,"Coupon, échéance, valeur nominale","Les trois nombres de chaque obligation",{"stage":99,"step":30,"id":765,"path":766,"node":767,"title":768,"subtitle":769,"topic":770,"track":757},"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":99,"step":38,"id":772,"path":773,"node":774,"title":775,"subtitle":776,"topic":756,"track":757},"who-borrows-with-bonds","\u002Flearn\u002F11\u002Fbond-basics\u002Fwho-borrows-with-bonds",94,"Qui emprunte avec des obligations","Gouvernements, villes et entreprises",{"stage":99,"step":45,"id":778,"path":779,"node":780,"title":781,"subtitle":782,"topic":783,"track":757},"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":99,"step":52,"id":785,"path":786,"node":787,"title":788,"subtitle":789,"topic":790,"track":757},"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":99,"step":58,"id":792,"path":793,"node":794,"title":795,"subtitle":796,"topic":797,"track":757},"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":99,"step":64,"id":799,"path":800,"node":801,"title":802,"subtitle":803,"topic":804,"track":757},"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":99,"step":70,"id":806,"path":807,"node":808,"title":809,"subtitle":810,"topic":811,"track":131},"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",[813,814],{"track":757,"count":64},{"track":131,"count":5},{"zone":106,"title":816,"path":817,"tier":5,"theme":818,"lessons":823,"topics":884},"Index Funds","\u002Flearn\u002F12\u002Findex-funds",{"key":819,"name":820,"light":821,"dark":822},"index-isles","Index Isles","#0e7490","#0b8bab",[824,832,839,845,851,858,865,872,878],{"stage":106,"step":5,"id":825,"path":826,"node":827,"title":828,"subtitle":829,"topic":830,"track":831},"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":106,"step":22,"id":833,"path":834,"node":835,"title":836,"subtitle":837,"topic":838,"track":831},"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":106,"step":30,"id":840,"path":841,"node":842,"title":843,"subtitle":844,"topic":838,"track":831},"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":106,"step":38,"id":846,"path":847,"node":848,"title":849,"subtitle":850,"topic":830,"track":831},"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":106,"step":45,"id":852,"path":853,"node":854,"title":855,"subtitle":856,"topic":857,"track":831},"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":106,"step":52,"id":859,"path":860,"node":861,"title":862,"subtitle":863,"topic":864,"track":831},"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":106,"step":58,"id":866,"path":867,"node":868,"title":869,"subtitle":870,"topic":871,"track":831},"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":106,"step":64,"id":873,"path":874,"node":875,"title":876,"subtitle":877,"topic":830,"track":831},"etfs-and-mutual-funds","\u002Flearn\u002F12\u002Findex-funds\u002Fetfs-and-mutual-funds",107,"ETF et fonds communs","Deux enveloppes pour le même panier",{"stage":106,"step":70,"id":879,"path":880,"node":881,"title":882,"subtitle":883,"topic":737,"track":131},"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",[885,886],{"track":831,"count":64},{"track":131,"count":5},{"zone":113,"title":888,"path":889,"tier":5,"theme":890,"lessons":895,"topics":955},"Rent or Buy","\u002Flearn\u002F13\u002Frent-or-buy",{"key":891,"name":892,"light":893,"dark":894},"brick-bay","Brick Bay","#a63f12","#c4511c",[896,904,911,917,923,929,936,942,948],{"stage":113,"step":5,"id":897,"path":898,"node":899,"title":900,"subtitle":901,"topic":902,"track":903},"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":113,"step":22,"id":905,"path":906,"node":907,"title":908,"subtitle":909,"topic":910,"track":903},"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":113,"step":30,"id":912,"path":913,"node":914,"title":915,"subtitle":916,"topic":910,"track":903},"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":113,"step":38,"id":918,"path":919,"node":920,"title":921,"subtitle":922,"topic":910,"track":903},"interest-comes-first","\u002Flearn\u002F13\u002Frent-or-buy\u002Finterest-comes-first",112,"Les intérêts d'abord","Les premières mensualités sont surtout des intérêts",{"stage":113,"step":45,"id":924,"path":925,"node":926,"title":927,"subtitle":928,"topic":910,"track":903},"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":113,"step":52,"id":930,"path":931,"node":932,"title":933,"subtitle":934,"topic":935,"track":903},"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":113,"step":58,"id":937,"path":938,"node":939,"title":940,"subtitle":941,"topic":902,"track":903},"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":113,"step":64,"id":943,"path":944,"node":945,"title":946,"subtitle":947,"topic":724,"track":903},"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":113,"step":70,"id":949,"path":950,"node":951,"title":952,"subtitle":953,"topic":954,"track":903},"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",[956],{"track":903,"count":70},{"zone":120,"title":958,"path":959,"tier":5,"theme":960,"lessons":965,"topics":1029},"Crypto Basics","\u002Flearn\u002F14\u002Fcrypto-basics",{"key":961,"name":962,"light":963,"dark":964},"block-mesa","Block Mesa","#7e22ce","#9638e6",[966,974,981,988,995,1002,1009,1016,1023],{"stage":120,"step":5,"id":967,"path":968,"node":969,"title":970,"subtitle":971,"topic":972,"track":973},"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":120,"step":22,"id":975,"path":976,"node":977,"title":978,"subtitle":979,"topic":980,"track":973},"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":120,"step":30,"id":982,"path":983,"node":984,"title":985,"subtitle":986,"topic":987,"track":973},"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":120,"step":38,"id":989,"path":990,"node":991,"title":992,"subtitle":993,"topic":994,"track":973},"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":120,"step":45,"id":996,"path":997,"node":998,"title":999,"subtitle":1000,"topic":1001,"track":973},"keys-and-wallets","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fkeys-and-wallets",122,"Clés et portefeuilles","Qui détient la clé détient les pièces","Sécurité crypto",{"stage":120,"step":52,"id":1003,"path":1004,"node":1005,"title":1006,"subtitle":1007,"topic":1008,"track":973},"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":120,"step":58,"id":1010,"path":1011,"node":1012,"title":1013,"subtitle":1014,"topic":1015,"track":973},"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":120,"step":64,"id":1017,"path":1018,"node":1019,"title":1020,"subtitle":1021,"topic":1022,"track":131},"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":120,"step":70,"id":1024,"path":1025,"node":1026,"title":1027,"subtitle":1028,"topic":987,"track":973},"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",[1030,1031],{"track":973,"count":64},{"track":131,"count":5},{"zone":127,"title":1033,"path":1034,"tier":5,"theme":1035,"lessons":1040,"topics":1103},"Bubbles & Scams","\u002Flearn\u002F15\u002Fbubbles-and-scams",{"key":1036,"name":1037,"light":1038,"dark":1039},"bubble-bay","Bubble Bay","#c0267a","#e04096",[1041,1049,1056,1063,1069,1075,1082,1089,1096],{"stage":127,"step":5,"id":1042,"path":1043,"node":1044,"title":1045,"subtitle":1046,"topic":1047,"track":1048},"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":127,"step":22,"id":1050,"path":1051,"node":1052,"title":1053,"subtitle":1054,"topic":1055,"track":1048},"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":127,"step":30,"id":1057,"path":1058,"node":1059,"title":1060,"subtitle":1061,"topic":1062,"track":1048},"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":127,"step":38,"id":1064,"path":1065,"node":1066,"title":1067,"subtitle":1068,"topic":1055,"track":1048},"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":127,"step":45,"id":1070,"path":1071,"node":1072,"title":1073,"subtitle":1074,"topic":1055,"track":1048},"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":127,"step":52,"id":1076,"path":1077,"node":1078,"title":1079,"subtitle":1080,"topic":1081,"track":1048},"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":127,"step":58,"id":1083,"path":1084,"node":1085,"title":1086,"subtitle":1087,"topic":1088,"track":1048},"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":127,"step":64,"id":1090,"path":1091,"node":1092,"title":1093,"subtitle":1094,"topic":1095,"track":131},"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":127,"step":70,"id":1097,"path":1098,"node":1099,"title":1100,"subtitle":1101,"topic":1102,"track":1048},"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",[1104,1105],{"track":1048,"count":64},{"track":131,"count":5},{"zone":135,"title":1107,"path":1108,"tier":5,"theme":1109,"lessons":1114,"topics":1176},"Money & Happiness","\u002Flearn\u002F16\u002Fmoney-and-happiness",{"key":1110,"name":1111,"light":1112,"dark":1113},"mind-maze","Mind Maze","#8a5a00","#a86e04",[1115,1122,1129,1135,1141,1148,1155,1162,1169],{"stage":135,"step":5,"id":1116,"path":1117,"node":1118,"title":1119,"subtitle":1120,"topic":1121,"track":131},"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":135,"step":22,"id":1123,"path":1124,"node":1125,"title":1126,"subtitle":1127,"topic":1128,"track":131},"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":135,"step":30,"id":1130,"path":1131,"node":1132,"title":1133,"subtitle":1134,"topic":130,"track":131},"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":135,"step":38,"id":1136,"path":1137,"node":1138,"title":1139,"subtitle":1140,"topic":130,"track":131},"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":135,"step":45,"id":1142,"path":1143,"node":1144,"title":1145,"subtitle":1146,"topic":1147,"track":131},"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":135,"step":52,"id":1149,"path":1150,"node":1151,"title":1152,"subtitle":1153,"topic":1154,"track":131},"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":135,"step":58,"id":1156,"path":1157,"node":1158,"title":1159,"subtitle":1160,"topic":1161,"track":131},"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":135,"step":64,"id":1163,"path":1164,"node":1165,"title":1166,"subtitle":1167,"topic":1168,"track":131},"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":135,"step":70,"id":1170,"path":1171,"node":1172,"title":1173,"subtitle":1174,"topic":1175,"track":131},"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",[1177],{"track":131,"count":70},{"zone":142,"title":1179,"path":1180,"tier":22,"theme":8,"lessons":1181,"topics":1240},"Gold & the Dollar","\u002Flearn\u002F17\u002Fgold-and-the-dollar",[1182,1189,1196,1202,1209,1215,1221,1227,1234],{"stage":142,"step":5,"id":1183,"path":1184,"node":1185,"title":1186,"subtitle":1187,"topic":1188,"track":28},"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":142,"step":22,"id":1190,"path":1191,"node":1192,"title":1193,"subtitle":1194,"topic":1195,"track":28},"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":142,"step":30,"id":1197,"path":1198,"node":1199,"title":1200,"subtitle":1201,"topic":1188,"track":28},"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":142,"step":38,"id":1203,"path":1204,"node":1205,"title":1206,"subtitle":1207,"topic":1208,"track":28},"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":142,"step":45,"id":1210,"path":1211,"node":1212,"title":1213,"subtitle":1214,"topic":19,"track":28},"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":142,"step":52,"id":1216,"path":1217,"node":1218,"title":1219,"subtitle":1220,"topic":492,"track":28},"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":142,"step":58,"id":1222,"path":1223,"node":1224,"title":1225,"subtitle":1226,"topic":1195,"track":28},"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":142,"step":64,"id":1228,"path":1229,"node":1230,"title":1231,"subtitle":1232,"topic":1233,"track":28},"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":142,"step":70,"id":1235,"path":1236,"node":1237,"title":1238,"subtitle":1239,"topic":520,"track":131},"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",[1241,1242],{"track":28,"count":64},{"track":131,"count":5},{"zone":150,"title":1244,"path":1245,"tier":22,"theme":83,"lessons":1246,"topics":1308},"Pay & Benefits","\u002Flearn\u002F18\u002Fpay-and-benefits",[1247,1254,1261,1268,1274,1281,1288,1294,1301],{"stage":150,"step":5,"id":1248,"path":1249,"node":1250,"title":1251,"subtitle":1252,"topic":1253,"track":36},"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":150,"step":22,"id":1255,"path":1256,"node":1257,"title":1258,"subtitle":1259,"topic":1260,"track":36},"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":150,"step":30,"id":1262,"path":1263,"node":1264,"title":1265,"subtitle":1266,"topic":1267,"track":36},"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":150,"step":38,"id":1269,"path":1270,"node":1271,"title":1272,"subtitle":1273,"topic":102,"track":36},"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":150,"step":45,"id":1275,"path":1276,"node":1277,"title":1278,"subtitle":1279,"topic":1280,"track":36},"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":150,"step":52,"id":1282,"path":1283,"node":1284,"title":1285,"subtitle":1286,"topic":1287,"track":36},"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":150,"step":58,"id":1289,"path":1290,"node":1291,"title":1292,"subtitle":1293,"topic":123,"track":36},"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":150,"step":64,"id":1295,"path":1296,"node":1297,"title":1298,"subtitle":1299,"topic":1300,"track":131},"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":150,"step":70,"id":1302,"path":1303,"node":1304,"title":1305,"subtitle":1306,"topic":1307,"track":36},"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",[1309,1310],{"track":36,"count":64},{"track":131,"count":5},{"zone":169,"title":1312,"path":1313,"tier":22,"theme":160,"lessons":1314,"topics":1377},"Starting a Business","\u002Flearn\u002F19\u002Fstarting-a-business",[1315,1322,1329,1336,1343,1350,1357,1363,1370],{"stage":169,"step":5,"id":1316,"path":1317,"node":1318,"title":1319,"subtitle":1320,"topic":1321,"track":173},"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":169,"step":22,"id":1323,"path":1324,"node":1325,"title":1326,"subtitle":1327,"topic":1328,"track":173},"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":169,"step":30,"id":1330,"path":1331,"node":1332,"title":1333,"subtitle":1334,"topic":1335,"track":173},"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":169,"step":38,"id":1337,"path":1338,"node":1339,"title":1340,"subtitle":1341,"topic":1342,"track":173},"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":169,"step":45,"id":1344,"path":1345,"node":1346,"title":1347,"subtitle":1348,"topic":1349,"track":173},"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":169,"step":52,"id":1351,"path":1352,"node":1353,"title":1354,"subtitle":1355,"topic":1356,"track":173},"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":169,"step":58,"id":1358,"path":1359,"node":1360,"title":1361,"subtitle":1362,"topic":200,"track":173},"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":169,"step":64,"id":1364,"path":1365,"node":1366,"title":1367,"subtitle":1368,"topic":1369,"track":173},"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":169,"step":70,"id":1371,"path":1372,"node":1373,"title":1374,"subtitle":1375,"topic":1376,"track":131},"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",[1378,1379],{"track":173,"count":64},{"track":131,"count":5},{"zone":177,"title":1381,"path":1382,"tier":22,"theme":235,"lessons":1383,"topics":1442},"Lifestyle Creep","\u002Flearn\u002F20\u002Flifestyle-creep",[1384,1390,1396,1403,1409,1416,1422,1429,1435],{"stage":177,"step":5,"id":1385,"path":1386,"node":1387,"title":1388,"subtitle":1389,"topic":247,"track":248},"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":177,"step":22,"id":1391,"path":1392,"node":1393,"title":1394,"subtitle":1395,"topic":261,"track":248},"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":177,"step":30,"id":1397,"path":1398,"node":1399,"title":1400,"subtitle":1401,"topic":1402,"track":248},"lifestyle-creep","\u002Flearn\u002F20\u002Flifestyle-creep\u002Flifestyle-creep",174,"L'inflation du train de vie","Quand les dépenses rattrapent chaque augmentation","Dépenses",{"stage":177,"step":38,"id":1404,"path":1405,"node":1406,"title":1407,"subtitle":1408,"topic":247,"track":248},"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":177,"step":45,"id":1410,"path":1411,"node":1412,"title":1413,"subtitle":1414,"topic":1415,"track":248},"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":177,"step":52,"id":1417,"path":1418,"node":1419,"title":1420,"subtitle":1421,"topic":1415,"track":248},"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":177,"step":58,"id":1423,"path":1424,"node":1425,"title":1426,"subtitle":1427,"topic":1428,"track":248},"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":177,"step":64,"id":1430,"path":1431,"node":1432,"title":1433,"subtitle":1434,"topic":520,"track":131},"the-ikea-effect","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-ikea-effect",179,"L'effet IKEA","On aime ce qu'on construit soi-même",{"stage":177,"step":70,"id":1436,"path":1437,"node":1438,"title":1439,"subtitle":1440,"topic":1441,"track":248},"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",[1443,1444],{"track":248,"count":64},{"track":131,"count":5},{"stage":177,"step":38,"node":1406,"id":1404,"language":1446,"title":1407,"subtitle":1408,"topic":247,"track":248,"is_supernode":1447,"languages":1448,"hash":1453,"intro":1454,"num_slides":52,"num_questions":45,"minutes":30},"fr",false,[1449,1450,1451,1446,1452],"de","es","es-419","it","24b307a54dca89ee",{"icon":1455,"hook":1456,"discover":1457,"why":1461},"calendar.badge.clock","Ton assurance auto se renouvelle le même jour chaque année. Alors pourquoi la facture tombe-t-elle encore comme un coup de poing ?",[1458,1459,1460],"Pourquoi décembre surprend toujours","Le fonds vieux de 300 ans derrière le nom","Le calcul qui aplatit une dépense","Une dépense que tu vois venir ne fait mal que si elle tombe d'un coup. Étalée, la même dépense n'est plus qu'une ligne."]