[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"catalog-fr":3,"intro-the-30-day-pause-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":70,"node":1438,"id":1436,"language":1446,"title":1439,"subtitle":1440,"topic":1441,"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","645665e0783b7708",{"icon":1455,"hook":1456,"discover":1457,"why":1461},"hourglass","Aujourd'hui, tu le veux à tout prix. Le voudras-tu encore dans 30 jours ? Ton cerveau est étonnamment nul pour le deviner.",[1458,1459,1460],"La loi qui te fait attendre 3 jours","Pourquoi les envies mentent sur demain","À quel point tes goûts vont changer","Une envie qui survit à l'attente mérite un regard. Celle qui s'éteint laisse l'argent exactement où il était."]