[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"catalog-en":3,"intro-regret-runs-backwards-en":1439},[4,80,156,230,304,374,447,521,592,665,737,811,883,953,1028,1101,1173,1238,1307,1375],{"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","Where Is Your Money?","Your balance is a number on a screen; only about one US dollar in ten exists as cash","Modern Money","Banks & Central Banks",{"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","What Is Money, Really?","Swap it, price with it, save it, and believe in it","What Money Is","Money & Its History",{"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","What's Your Hour Really Worth?","Your real hourly wage is lower than your paycheck says","Time and Money","Work & the Rat Race",{"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","The Four-Cent Penny","Making a cent cost the US Mint almost four, so in 2025 it stopped","Coins",{"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","From Shells to Coins","Cowrie shells, silver lumps and the first stamped coins","History of Money",{"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","The Barter Myth","Textbooks say people bartered before money. 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line","Taxes",{"stage":22,"step":30,"id":104,"path":105,"node":106,"title":107,"subtitle":108,"topic":81,"track":36},"trading-time-for-money","\u002Flearn\u002F2\u002Fthe-rat-race\u002Ftrading-time-for-money",12,"Trading Time for Money","A paycheck stops the day you stop",{"stage":22,"step":38,"id":110,"path":111,"node":112,"title":113,"subtitle":114,"topic":115,"track":36},"the-40-hour-week-was-a-fight","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-40-hour-week-was-a-fight",13,"The 40-Hour Week Was a Fight","Weekends weren't a gift; they were won","History of Work",{"stage":22,"step":45,"id":117,"path":118,"node":119,"title":120,"subtitle":121,"topic":122,"track":36},"active-and-passive-income","\u002Flearn\u002F2\u002Fthe-rat-race\u002Factive-and-passive-income",14,"Active and Passive Income","Money you work for and money that works for you","Income",{"stage":22,"step":52,"id":124,"path":125,"node":126,"title":127,"subtitle":128,"topic":129,"track":130},"the-hedonic-treadmill","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-hedonic-treadmill",15,"The Hedonic Treadmill","Every upgrade quickly feels normal","Happiness","Money Mindset & Psychology",{"stage":22,"step":58,"id":132,"path":133,"node":134,"title":135,"subtitle":136,"topic":137,"track":36},"the-fisherman-and-the-banker","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-fisherman-and-the-banker",16,"The Fisherman and the Banker","Retold after Heinrich Böll's 1963 tale: a banker urges a fisherman to build a fleet so that one day he can retire and... fish all afternoon","Purpose",{"stage":22,"step":64,"id":139,"path":140,"node":141,"title":142,"subtitle":143,"topic":144,"track":145},"your-freedom-number","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fyour-freedom-number",17,"Your Freedom Number","How much it takes so that work becomes optional","Financial Independence","Saving & Compound Interest",{"stage":22,"step":70,"id":147,"path":148,"node":149,"title":150,"subtitle":151,"topic":144,"track":36},"the-savings-rate-shortcut","\u002Flearn\u002F2\u002Fthe-rat-race\u002Fthe-savings-rate-shortcut",18,"The Savings Rate Shortcut","How much you keep matters more than how much you make",[153,154,155],{"track":36,"count":58},{"track":130,"count":5},{"track":145,"count":5},{"zone":30,"title":157,"path":158,"tier":5,"theme":159,"lessons":164,"topics":227},"Business Basics","\u002Flearn\u002F3\u002Fbusiness-basics",{"key":160,"name":161,"light":162,"dark":163},"founders-garage","Founders' Garage","#1d4ed8","#3b7cf0",[165,172,179,186,192,199,206,213,220],{"stage":30,"step":5,"id":166,"path":167,"node":168,"title":169,"subtitle":170,"topic":157,"track":171},"revenue-isnt-profit","\u002Flearn\u002F3\u002Fbusiness-basics\u002Frevenue-isnt-profit",19,"Revenue Isn't Profit","What comes in minus what goes out","Building a Business",{"stage":30,"step":22,"id":173,"path":174,"node":175,"title":176,"subtitle":177,"topic":178,"track":171},"nine-out-of-ten-fail-in-year-one","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fnine-out-of-ten-fail-in-year-one",20,"Nine Out of Ten Fail in Year One","US data says about four in five new businesses survive their first year","Startups",{"stage":30,"step":30,"id":180,"path":181,"node":182,"title":183,"subtitle":184,"topic":185,"track":171},"margin-what-you-keep-from-each-sale","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fmargin-what-you-keep-from-each-sale",21,"Margin: What You Keep From Each Sale","Price minus cost, one item at a time","Unit Economics",{"stage":30,"step":38,"id":187,"path":188,"node":189,"title":190,"subtitle":191,"topic":185,"track":171},"the-break-even-point","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fthe-break-even-point",22,"The Break-Even Point","The sale where you stop losing money",{"stage":30,"step":45,"id":193,"path":194,"node":195,"title":196,"subtitle":197,"topic":198,"track":171},"your-side-hustle-math","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fyour-side-hustle-math",23,"Your Side-Hustle Math","What your idea really pays per hour","Side Hustles",{"stage":30,"step":52,"id":200,"path":201,"node":202,"title":203,"subtitle":204,"topic":205,"track":171},"three-feet-from-gold","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fthree-feet-from-gold",24,"Three Feet from Gold","The story goes that a miner quit and sold his rig, and the buyer struck the vein three feet further down","Persistence",{"stage":30,"step":58,"id":207,"path":208,"node":209,"title":210,"subtitle":211,"topic":212,"track":130},"regret-runs-backwards","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fregret-runs-backwards",25,"Regret Runs Backwards","In the long run, people regret what they didn't try","Regret",{"stage":30,"step":64,"id":214,"path":215,"node":216,"title":217,"subtitle":218,"topic":219,"track":171},"why-founders-form-an-llc","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fwhy-founders-form-an-llc",26,"Why Founders Form an LLC","A wall between the business and your house","Business Structures",{"stage":30,"step":70,"id":221,"path":222,"node":223,"title":224,"subtitle":225,"topic":226,"track":171},"the-ice-king","\u002Flearn\u002F3\u002Fbusiness-basics\u002Fthe-ice-king",27,"The Ice King","A man shipped New England ice to the tropics and everyone laughed","Founders",[228,229],{"track":171,"count":64},{"track":130,"count":5},{"zone":38,"title":231,"path":232,"tier":5,"theme":233,"lessons":238,"topics":301},"Budgeting Basics","\u002Flearn\u002F4\u002Fbudgeting-basics",{"key":234,"name":235,"light":236,"dark":237},"market-bazaar","Market 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A bigger apartment might not be","Budgeting","Spending & Budgeting",{"stage":38,"step":22,"id":248,"path":249,"node":250,"title":251,"subtitle":252,"topic":245,"track":246},"the-50-30-20-budget","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-50-30-20-budget",29,"The 50\u002F30\u002F20 Budget","Half for needs, a third for wants, a fifth for the future",{"stage":38,"step":30,"id":254,"path":255,"node":256,"title":257,"subtitle":258,"topic":259,"track":246},"why-prices-end-in-99","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fwhy-prices-end-in-99",30,"Why Prices End in .99","$4.99 feels a lot cheaper than $5.00","Pricing",{"stage":38,"step":38,"id":261,"path":262,"node":263,"title":264,"subtitle":265,"topic":266,"track":246},"the-subscriptions-that-never-sleep","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-subscriptions-that-never-sleep",31,"The Subscriptions That Never Sleep","Small monthly charges add up to a big yearly bill","Recurring Costs",{"stage":38,"step":45,"id":268,"path":269,"node":270,"title":271,"subtitle":272,"topic":273,"track":130},"the-pain-of-paying","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-pain-of-paying",32,"The Pain of Paying","Cards hurt less than cash, so we spend more","Spending Psychology",{"stage":38,"step":52,"id":275,"path":276,"node":277,"title":278,"subtitle":279,"topic":280,"track":246},"the-marshmallow-test","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-marshmallow-test",33,"The Marshmallow Test","Kids offered one treat now or two later showed how hard waiting is, and later studies found the setting matters as much as willpower","Delayed Gratification",{"stage":38,"step":58,"id":282,"path":283,"node":284,"title":285,"subtitle":286,"topic":287,"track":246},"cost-per-use","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fcost-per-use",34,"Cost Per Use","A $200 coat you wear daily can cost less than a $40 one you never do","Smart Spending",{"stage":38,"step":64,"id":289,"path":290,"node":291,"title":292,"subtitle":293,"topic":245,"track":246},"where-did-my-month-go","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fwhere-did-my-month-go",35,"Where Did My Month Go?","Your spending, drawn as a picture",{"stage":38,"step":70,"id":295,"path":296,"node":297,"title":298,"subtitle":299,"topic":300,"track":246},"the-gruen-transfer","\u002Flearn\u002F4\u002Fbudgeting-basics\u002Fthe-gruen-transfer",36,"The Gruen Transfer","Malls are designed to make you forget why you came","Retail Design",[302,303],{"track":246,"count":64},{"track":130,"count":5},{"zone":45,"title":305,"path":306,"tier":5,"theme":307,"lessons":312,"topics":371},"Compound Interest","\u002Flearn\u002F5\u002Fcompound-interest",{"key":308,"name":309,"light":310,"dark":311},"compound-gardens","Compound Gardens","#4d7c0f","#5f9410",[313,320,327,333,339,345,351,358,365],{"stage":45,"step":5,"id":314,"path":315,"node":316,"title":317,"subtitle":318,"topic":319,"track":145},"pay-yourself-first","\u002Flearn\u002F5\u002Fcompound-interest\u002Fpay-yourself-first",37,"Pay Yourself First","Save before you spend, not after","Saving",{"stage":45,"step":22,"id":321,"path":322,"node":323,"title":324,"subtitle":325,"topic":326,"track":145},"simple-interest","\u002Flearn\u002F5\u002Fcompound-interest\u002Fsimple-interest",38,"Simple Interest","Interest paid only on what you put in","Interest",{"stage":45,"step":30,"id":328,"path":329,"node":330,"title":331,"subtitle":332,"topic":305,"track":145},"interest-on-interest","\u002Flearn\u002F5\u002Fcompound-interest\u002Finterest-on-interest",39,"Interest on Interest","Compound interest turns a straight line into a curve",{"stage":45,"step":38,"id":334,"path":335,"node":336,"title":337,"subtitle":338,"topic":305,"track":145},"the-rule-of-72","\u002Flearn\u002F5\u002Fcompound-interest\u002Fthe-rule-of-72",40,"The Rule of 72","Divide 72 by the rate to see how fast money doubles",{"stage":45,"step":45,"id":340,"path":341,"node":342,"title":343,"subtitle":344,"topic":305,"track":145},"einstein-never-said-it","\u002Flearn\u002F5\u002Fcompound-interest\u002Feinstein-never-said-it",41,"Einstein Never Said It","The 'eighth wonder of the world' quote has no source",{"stage":45,"step":52,"id":346,"path":347,"node":348,"title":349,"subtitle":350,"topic":305,"track":145},"start-at-20-or-at-30","\u002Flearn\u002F5\u002Fcompound-interest\u002Fstart-at-20-or-at-30",42,"Start at 20 or at 30?","Ten years of waiting can cost more than ten years of saving",{"stage":45,"step":58,"id":352,"path":353,"node":354,"title":355,"subtitle":356,"topic":357,"track":145},"franklins-200-year-gift","\u002Flearn\u002F5\u002Fcompound-interest\u002Ffranklins-200-year-gift",43,"Franklin's 200-Year Gift","Benjamin Franklin left £1,000 to Boston to grow for 200 years; by 1990 it was worth millions","Patience",{"stage":45,"step":64,"id":359,"path":360,"node":361,"title":362,"subtitle":363,"topic":364,"track":130},"future-you-is-a-stranger","\u002Flearn\u002F5\u002Fcompound-interest\u002Ffuture-you-is-a-stranger",44,"Future You Is a Stranger","Your brain treats your older self like someone else","Saving Psychology",{"stage":45,"step":70,"id":366,"path":367,"node":368,"title":369,"subtitle":370,"topic":319,"track":145},"the-emergency-fund","\u002Flearn\u002F5\u002Fcompound-interest\u002Fthe-emergency-fund",45,"The Emergency Fund","Cash that turns a crisis into an inconvenience",[372,373],{"track":145,"count":64},{"track":130,"count":5},{"zone":52,"title":375,"path":376,"tier":5,"theme":377,"lessons":382,"topics":444},"Debt & Credit","\u002Flearn\u002F6\u002Fdebt-and-credit",{"key":378,"name":379,"light":380,"dark":381},"debt-canyon","Debt Canyon","#b42318","#d63b2f",[383,391,397,404,410,417,423,430,437],{"stage":52,"step":5,"id":384,"path":385,"node":386,"title":387,"subtitle":388,"topic":389,"track":390},"borrowing-is-renting-money","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fborrowing-is-renting-money",46,"Borrowing Is Renting Money","Interest is the rent you pay to use someone else's money","Debt","Borrowing, Credit & Debt",{"stage":52,"step":22,"id":392,"path":393,"node":394,"title":395,"subtitle":396,"topic":389,"track":390},"apr-the-real-price-of-a-loan","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fapr-the-real-price-of-a-loan",47,"APR: The Real Price of a Loan","One number to compare every loan",{"stage":52,"step":30,"id":398,"path":399,"node":400,"title":401,"subtitle":402,"topic":403,"track":390},"the-dinner-that-probably-never-happened","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fthe-dinner-that-probably-never-happened",48,"The Dinner That Probably Never Happened","The famous origin of the credit card was a sales story","Credit Cards",{"stage":52,"step":38,"id":405,"path":406,"node":407,"title":408,"subtitle":409,"topic":403,"track":390},"the-minimum-payment-trap","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fthe-minimum-payment-trap",49,"The Minimum Payment Trap","Paying the minimum can stretch a card balance over many years",{"stage":52,"step":45,"id":411,"path":412,"node":413,"title":414,"subtitle":415,"topic":416,"track":390},"the-debt-payoff-race","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fthe-debt-payoff-race",50,"The Debt Payoff Race","Smallest balance first or highest rate first?","Debt Payoff",{"stage":52,"step":52,"id":418,"path":419,"node":420,"title":421,"subtitle":422,"topic":389,"track":390},"what-debt-buys","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fwhat-debt-buys",51,"What Debt Buys","Borrowing for things that grow versus things that shrink",{"stage":52,"step":58,"id":424,"path":425,"node":426,"title":427,"subtitle":428,"topic":429,"track":130},"present-bias","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fpresent-bias",52,"Present Bias","Today always feels more real than tomorrow","Borrowing Psychology",{"stage":52,"step":64,"id":431,"path":432,"node":433,"title":434,"subtitle":435,"topic":436,"track":390},"twain-pays-it-all-back","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Ftwain-pays-it-all-back",53,"Twain Pays It All Back","Mark Twain went bankrupt on a typesetting machine and toured the world on stage to repay every creditor in full","Integrity",{"stage":52,"step":70,"id":438,"path":439,"node":440,"title":441,"subtitle":442,"topic":443,"track":390},"your-credit-score","\u002Flearn\u002F6\u002Fdebt-and-credit\u002Fyour-credit-score",54,"Your Credit Score","A three-digit number that prices your next loan","Credit",[445,446],{"track":390,"count":64},{"track":130,"count":5},{"zone":58,"title":448,"path":449,"tier":5,"theme":450,"lessons":455,"topics":518},"How Banks Work","\u002Flearn\u002F7\u002Fhow-banks-work",{"key":451,"name":452,"light":453,"dark":454},"vault-district","Vault District","#0f766e","#0d8f86",[456,463,469,476,483,490,497,504,511],{"stage":58,"step":5,"id":457,"path":458,"node":459,"title":460,"subtitle":461,"topic":462,"track":20},"what-a-bank-really-is","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fwhat-a-bank-really-is",55,"What a Bank Really Is","A middleman between savers and borrowers","Banking",{"stage":58,"step":22,"id":464,"path":465,"node":466,"title":467,"subtitle":468,"topic":462,"track":20},"most-of-it-isnt-there","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fmost-of-it-isnt-there",56,"Most of It Isn't There","Banks keep only a slice of deposits on hand",{"stage":58,"step":30,"id":470,"path":471,"node":472,"title":473,"subtitle":474,"topic":475,"track":20},"the-vault-nobody-visits","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fthe-vault-nobody-visits",57,"The Vault Nobody Visits","Fort Knox holds about half of America's gold","Gold Reserves",{"stage":58,"step":38,"id":477,"path":478,"node":479,"title":480,"subtitle":481,"topic":482,"track":20},"why-your-deposit-is-safe","\u002Flearn\u002F7\u002Fhow-banks-work\u002Fwhy-your-deposit-is-safe",58,"Why Your Deposit Is Safe","The FDIC has your back up to $250,000","Deposit 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Bonds",{"stage":99,"step":38,"id":768,"path":769,"node":770,"title":771,"subtitle":772,"topic":752,"track":753},"who-borrows-with-bonds","\u002Flearn\u002F11\u002Fbond-basics\u002Fwho-borrows-with-bonds",94,"Who Borrows With Bonds","Governments, cities and companies",{"stage":99,"step":45,"id":774,"path":775,"node":776,"title":777,"subtitle":778,"topic":779,"track":753},"the-bond-seesaw","\u002Flearn\u002F11\u002Fbond-basics\u002Fthe-bond-seesaw",95,"The Bond Seesaw","When rates rise, existing bond prices fall","Interest Rates",{"stage":99,"step":52,"id":781,"path":782,"node":783,"title":784,"subtitle":785,"topic":786,"track":753},"the-375-year-old-bond","\u002Flearn\u002F11\u002Fbond-basics\u002Fthe-375-year-old-bond",96,"A Bond Older Than America","A Dutch water-board bond from 1648 still pays interest to Yale 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Mesa","#7e22ce","#9638e6",[962,970,977,984,991,998,1005,1012,1019],{"stage":119,"step":5,"id":963,"path":964,"node":965,"title":966,"subtitle":967,"topic":968,"track":969},"money-without-a-bank","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fmoney-without-a-bank",118,"Money Without a Bank","Bitcoin moves value with no one in the middle","Cryptocurrency","Crypto & Digital Money",{"stage":119,"step":22,"id":971,"path":972,"node":973,"title":974,"subtitle":975,"topic":976,"track":969},"the-shared-notebook","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fthe-shared-notebook",119,"The Shared Notebook","A blockchain is a record everyone keeps a copy of","Blockchain",{"stage":119,"step":30,"id":978,"path":979,"node":980,"title":981,"subtitle":982,"topic":983,"track":969},"nobody-knows-who-made-bitcoin","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fnobody-knows-who-made-bitcoin",120,"Nobody Knows Who Made Bitcoin","Its creator vanished and left a fortune untouched","Crypto History",{"stage":119,"step":38,"id":985,"path":986,"node":987,"title":988,"subtitle":989,"topic":990,"track":969},"why-only-21-million","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fwhy-only-21-million",121,"Why Only 21 Million","A money supply fixed in code","Bitcoin Supply",{"stage":119,"step":45,"id":992,"path":993,"node":994,"title":995,"subtitle":996,"topic":997,"track":969},"keys-and-wallets","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fkeys-and-wallets",122,"Keys and Wallets","Whoever holds the key holds the coins","Crypto Security",{"stage":119,"step":52,"id":999,"path":1000,"node":1001,"title":1002,"subtitle":1003,"topic":1004,"track":969},"the-10-000-bitcoin-pizza","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fthe-10-000-bitcoin-pizza",123,"The 10,000-Bitcoin Pizza","In 2010 a programmer bought two pizzas with coins later worth hundreds of millions","Hindsight",{"stage":119,"step":58,"id":1006,"path":1007,"node":1008,"title":1009,"subtitle":1010,"topic":1011,"track":969},"crypto-is-anonymous","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fcrypto-is-anonymous",124,"Crypto Is Anonymous","Every bitcoin payment is public forever","Crypto Privacy",{"stage":119,"step":64,"id":1013,"path":1014,"node":1015,"title":1016,"subtitle":1017,"topic":1018,"track":130},"fear-of-missing-out","\u002Flearn\u002F14\u002Fcrypto-basics\u002Ffear-of-missing-out",125,"Fear of Missing Out","Watching others get rich makes us forget the risks","Herding",{"stage":119,"step":70,"id":1020,"path":1021,"node":1022,"title":1023,"subtitle":1024,"topic":983,"track":969},"the-coin-that-started-as-a-joke","\u002Flearn\u002F14\u002Fcrypto-basics\u002Fthe-coin-that-started-as-a-joke",126,"The Coin That Started as a Joke","Dogecoin was created to make fun of crypto",[1026,1027],{"track":969,"count":64},{"track":130,"count":5},{"zone":126,"title":1029,"path":1030,"tier":5,"theme":1031,"lessons":1036,"topics":1098},"Bubbles & Scams","\u002Flearn\u002F15\u002Fbubbles-and-scams",{"key":1032,"name":1033,"light":1034,"dark":1035},"bubble-bay","Bubble Bay","#c0267a","#e04096",[1037,1045,1052,1059,1065,1071,1078,1085,1091],{"stage":126,"step":5,"id":1038,"path":1039,"node":1040,"title":1041,"subtitle":1042,"topic":1043,"track":1044},"what-a-bubble-is","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fwhat-a-bubble-is",127,"What a Bubble Is","When prices float far above what things are worth","Bubbles","Bubbles, Scams & Crashes",{"stage":126,"step":22,"id":1046,"path":1047,"node":1048,"title":1049,"subtitle":1050,"topic":1051,"track":1044},"the-ponzi-shape","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fthe-ponzi-shape",128,"The Ponzi Shape","Old investors are paid with new investors' money","Fraud",{"stage":126,"step":30,"id":1053,"path":1054,"node":1055,"title":1056,"subtitle":1057,"topic":1058,"track":1044},"25-years-to-get-back","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002F25-years-to-get-back",129,"25 Years to Get Back","The Dow didn't reclaim its 1929 peak until 1954","Crashes",{"stage":126,"step":38,"id":1060,"path":1061,"node":1062,"title":1063,"subtitle":1064,"topic":1051,"track":1044},"red-flags-of-a-scam","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fred-flags-of-a-scam",130,"Red Flags of a Scam","Guaranteed, urgent, secret",{"stage":126,"step":45,"id":1066,"path":1067,"node":1068,"title":1069,"subtitle":1070,"topic":1051,"track":1044},"smart-people-dont-get-scammed","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fsmart-people-dont-get-scammed",131,"Smart People Don't Get Scammed","Young adults report losing money to fraud more often than older ones",{"stage":126,"step":52,"id":1072,"path":1073,"node":1074,"title":1075,"subtitle":1076,"topic":1077,"track":1044},"pump-and-dump","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fpump-and-dump",132,"Pump and Dump","Hype a stock, sell it to the crowd, disappear","Market Manipulation",{"stage":126,"step":58,"id":1079,"path":1080,"node":1081,"title":1082,"subtitle":1083,"topic":1084,"track":1044},"tulip-mania","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Ftulip-mania",133,"Tulip Mania","Dutch traders bid single tulip bulbs up to fantasy prices, though the crash was smaller than the legend says","Crowds",{"stage":126,"step":64,"id":1086,"path":1087,"node":1088,"title":1089,"subtitle":1090,"topic":1018,"track":130},"following-the-herd","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Ffollowing-the-herd",134,"Following the Herd","We trust a crowd even when it's wrong",{"stage":126,"step":70,"id":1092,"path":1093,"node":1094,"title":1095,"subtitle":1096,"topic":1097,"track":1044},"ponzi-wasnt-first","\u002Flearn\u002F15\u002Fbubbles-and-scams\u002Fponzi-wasnt-first",135,"Ponzi Wasn't First","A Boston woman ran the same scheme 40 years earlier","Fraud History",[1099,1100],{"track":1044,"count":64},{"track":130,"count":5},{"zone":134,"title":1102,"path":1103,"tier":5,"theme":1104,"lessons":1109,"topics":1171},"Money & Happiness","\u002Flearn\u002F16\u002Fmoney-and-happiness",{"key":1105,"name":1106,"light":1107,"dark":1108},"mind-maze","Mind Maze","#8a5a00","#a86e04",[1110,1117,1124,1130,1136,1143,1150,1157,1164],{"stage":134,"step":5,"id":1111,"path":1112,"node":1113,"title":1114,"subtitle":1115,"topic":1116,"track":130},"scarcity-shrinks-your-bandwidth","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fscarcity-shrinks-your-bandwidth",136,"Scarcity Shrinks Your Bandwidth","Money worries use up mental space","Scarcity",{"stage":134,"step":22,"id":1118,"path":1119,"node":1120,"title":1121,"subtitle":1122,"topic":1123,"track":130},"your-money-story","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fyour-money-story",137,"Your Money Story","What you learned about money as a kid still runs the show","Money Beliefs",{"stage":134,"step":30,"id":1125,"path":1126,"node":1127,"title":1128,"subtitle":1129,"topic":129,"track":130},"does-winning-the-lottery-make-you-happy","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fdoes-winning-the-lottery-make-you-happy",138,"Does Winning the Lottery Make You Happy?","The famous 'miserable winners' study was tiny",{"stage":134,"step":38,"id":1131,"path":1132,"node":1133,"title":1134,"subtitle":1135,"topic":129,"track":130},"money-and-happiness","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fmoney-and-happiness",139,"Money and Happiness","More money helps, up to a point and beyond it",{"stage":134,"step":45,"id":1137,"path":1138,"node":1139,"title":1140,"subtitle":1141,"topic":1142,"track":130},"if-then-plans","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fif-then-plans",140,"If-Then Plans","Deciding the moment in advance makes goals stick","Goals",{"stage":134,"step":52,"id":1144,"path":1145,"node":1146,"title":1147,"subtitle":1148,"topic":1149,"track":130},"one-percent-better","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fone-percent-better",141,"One Percent Better","Tiny daily gains compound like interest","Habits",{"stage":134,"step":58,"id":1151,"path":1152,"node":1153,"title":1154,"subtitle":1155,"topic":1156,"track":130},"millionaires-mostly-inherited-it","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fmillionaires-mostly-inherited-it",142,"Millionaires Mostly Inherited It","Most US millionaires in a classic study built it themselves","Wealth",{"stage":134,"step":64,"id":1158,"path":1159,"node":1160,"title":1161,"subtitle":1162,"topic":1163,"track":130},"the-ant-and-the-grasshopper","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fthe-ant-and-the-grasshopper",143,"The Ant and the Grasshopper","Aesop's ant stores grain while the grasshopper sings all summer","Planning",{"stage":134,"step":70,"id":1165,"path":1166,"node":1167,"title":1168,"subtitle":1169,"topic":1170,"track":130},"comparison-is-a-thief","\u002Flearn\u002F16\u002Fmoney-and-happiness\u002Fcomparison-is-a-thief",144,"Comparison Is a Thief","Your neighbors' paychecks change how you feel about yours","Comparison",[1172],{"track":130,"count":70},{"zone":141,"title":1174,"path":1175,"tier":22,"theme":8,"lessons":1176,"topics":1235},"Gold & the Dollar","\u002Flearn\u002F17\u002Fgold-and-the-dollar",[1177,1184,1191,1197,1204,1210,1216,1222,1229],{"stage":141,"step":5,"id":1178,"path":1179,"node":1180,"title":1181,"subtitle":1182,"topic":1183,"track":28},"the-gold-standard","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-gold-standard",145,"The Gold Standard","When every dollar could be swapped for gold","Monetary History",{"stage":141,"step":22,"id":1185,"path":1186,"node":1187,"title":1188,"subtitle":1189,"topic":1190,"track":28},"the-100-000-bill","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-100-000-bill",146,"The $100,000 Bill","It exists, but you could never spend it","Currency",{"stage":141,"step":30,"id":1192,"path":1193,"node":1194,"title":1195,"subtitle":1196,"topic":1183,"track":28},"greenbacks-money-for-a-war","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fgreenbacks-money-for-a-war",147,"Greenbacks: Money for a War","The Civil War gave America paper money backed by law, not gold",{"stage":141,"step":38,"id":1198,"path":1199,"node":1200,"title":1201,"subtitle":1202,"topic":1203,"track":28},"the-dollar-is-backed-by-gold","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-dollar-is-backed-by-gold",148,"The Dollar Is Backed by Gold","It hasn't been since 1971","Fiat Money",{"stage":141,"step":45,"id":1205,"path":1206,"node":1207,"title":1208,"subtitle":1209,"topic":19,"track":28},"who-makes-the-dollar","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fwho-makes-the-dollar",149,"Who Makes the Dollar","The Mint, the printing bureau and the Fed",{"stage":141,"step":52,"id":1211,"path":1212,"node":1213,"title":1214,"subtitle":1215,"topic":489,"track":28},"the-stone-that-sank","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-stone-that-sank",150,"The Stone That Sank","On Yap, a giant stone coin lost at sea still counted as wealth, because everyone agreed it existed",{"stage":141,"step":58,"id":1217,"path":1218,"node":1219,"title":1220,"subtitle":1221,"topic":1190,"track":28},"dollar-bills-are-mostly-cotton","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fdollar-bills-are-mostly-cotton",151,"Dollar Bills Are Mostly Cotton","That's why they survive the washing machine",{"stage":141,"step":64,"id":1223,"path":1224,"node":1225,"title":1226,"subtitle":1227,"topic":1228,"track":28},"checks-cards-and-taps","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fchecks-cards-and-taps",152,"Checks, Cards and Taps","How Americans moved from paper to plastic to phones","Payments",{"stage":141,"step":70,"id":1230,"path":1231,"node":1232,"title":1233,"subtitle":1234,"topic":517,"track":130},"the-endowment-effect","\u002Flearn\u002F17\u002Fgold-and-the-dollar\u002Fthe-endowment-effect",153,"The Endowment Effect","Owning something makes it feel worth more",[1236,1237],{"track":28,"count":64},{"track":130,"count":5},{"zone":149,"title":1239,"path":1240,"tier":22,"theme":83,"lessons":1241,"topics":1304},"Pay & Benefits","\u002Flearn\u002F18\u002Fpay-and-benefits",[1242,1249,1256,1263,1269,1276,1283,1290,1297],{"stage":149,"step":5,"id":1243,"path":1244,"node":1245,"title":1246,"subtitle":1247,"topic":1248,"track":36},"your-total-compensation","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fyour-total-compensation",154,"Your Total Compensation","Your salary is only part of what a job pays","Compensation",{"stage":149,"step":22,"id":1250,"path":1251,"node":1252,"title":1253,"subtitle":1254,"topic":1255,"track":36},"the-employer-match","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fthe-employer-match",155,"The Employer Match","Money your employer adds when you save","Retirement Plans",{"stage":149,"step":30,"id":1257,"path":1258,"node":1259,"title":1260,"subtitle":1261,"topic":1262,"track":36},"a-dozen-jobs-in-a-lifetime","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fa-dozen-jobs-in-a-lifetime",156,"A Dozen Jobs in a Lifetime","The average American career has many chapters","Careers",{"stage":149,"step":38,"id":1264,"path":1265,"node":1266,"title":1267,"subtitle":1268,"topic":102,"track":36},"w-2-or-1099","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fw-2-or-1099",157,"W-2 or 1099","Employee or contractor changes your taxes",{"stage":149,"step":45,"id":1270,"path":1271,"node":1272,"title":1273,"subtitle":1274,"topic":1275,"track":36},"every-hour-over-40-pays-extra","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fevery-hour-over-40-pays-extra",158,"Every Hour Over 40 Pays Extra","Many salaried workers get no overtime at all","Labor Law",{"stage":149,"step":52,"id":1277,"path":1278,"node":1279,"title":1280,"subtitle":1281,"topic":1282,"track":36},"negotiating-your-pay","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fnegotiating-your-pay",159,"Negotiating Your Pay","The first number on the table shapes the result","Negotiation",{"stage":149,"step":58,"id":1284,"path":1285,"node":1286,"title":1287,"subtitle":1288,"topic":1289,"track":36},"what-a-raise-is-worth","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fwhat-a-raise-is-worth",160,"What a Raise Is Worth","A small raise compounds across a career","Earnings",{"stage":149,"step":64,"id":1291,"path":1292,"node":1293,"title":1294,"subtitle":1295,"topic":1296,"track":130},"the-sunk-cost-trap","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fthe-sunk-cost-trap",161,"The Sunk Cost Trap","Years already spent shouldn't decide the next ones","Decision Making",{"stage":149,"step":70,"id":1298,"path":1299,"node":1300,"title":1301,"subtitle":1302,"topic":1303,"track":36},"the-bobbin-boy","\u002Flearn\u002F18\u002Fpay-and-benefits\u002Fthe-bobbin-boy",162,"The Bobbin Boy","Andrew Carnegie started at $1.20 a week in a cotton mill, built a steel empire, and gave most of it away","Ambition",[1305,1306],{"track":36,"count":64},{"track":130,"count":5},{"zone":168,"title":1308,"path":1309,"tier":22,"theme":159,"lessons":1310,"topics":1372},"Starting a Business","\u002Flearn\u002F19\u002Fstarting-a-business",[1311,1318,1325,1332,1339,1346,1352,1358,1365],{"stage":168,"step":5,"id":1312,"path":1313,"node":1314,"title":1315,"subtitle":1316,"topic":1317,"track":171},"find-a-problem-people-pay-for","\u002Flearn\u002F19\u002Fstarting-a-business\u002Ffind-a-problem-people-pay-for",163,"Find a Problem People Pay For","Businesses sell solutions to real pain","Ideas",{"stage":168,"step":22,"id":1319,"path":1320,"node":1321,"title":1322,"subtitle":1323,"topic":1324,"track":171},"your-first-customer","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fyour-first-customer",164,"Your First Customer","Sell it before you build it","Validation",{"stage":168,"step":30,"id":1326,"path":1327,"node":1328,"title":1329,"subtitle":1330,"topic":1331,"track":171},"post-it-notes-were-a-failed-glue","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fpost-it-notes-were-a-failed-glue",165,"Post-it Notes Were a Failed Glue","A weak adhesive became a bestseller","Inventions",{"stage":168,"step":38,"id":1333,"path":1334,"node":1335,"title":1336,"subtitle":1337,"topic":1338,"track":171},"a-business-needs-employees","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fa-business-needs-employees",166,"A Business Needs Employees","About four in five US businesses have none","Small Business",{"stage":168,"step":45,"id":1340,"path":1341,"node":1342,"title":1343,"subtitle":1344,"topic":1345,"track":171},"spanxs-5-000","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fspanxs-5-000",167,"Spanx's $5,000","Sara Blakely sold fax machines door to door, cut the feet off her pantyhose, and built Spanx from $5,000 of savings","Starting",{"stage":168,"step":52,"id":1347,"path":1348,"node":1349,"title":1350,"subtitle":1351,"topic":259,"track":171},"cost-plus-or-value-pricing","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fcost-plus-or-value-pricing",168,"Cost-Plus or Value Pricing","Charge for what it costs or for what it's worth",{"stage":168,"step":58,"id":1353,"path":1354,"node":1355,"title":1356,"subtitle":1357,"topic":198,"track":171},"how-many-customers-to-quit-your-job","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fhow-many-customers-to-quit-your-job",169,"How Many Customers to Quit Your Job?","Your escape number in customers",{"stage":168,"step":64,"id":1359,"path":1360,"node":1361,"title":1362,"subtitle":1363,"topic":1364,"track":171},"bootstrapping-or-investors","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fbootstrapping-or-investors",170,"Bootstrapping or Investors","Use your own money or sell a piece of the company","Funding",{"stage":168,"step":70,"id":1366,"path":1367,"node":1368,"title":1369,"subtitle":1370,"topic":1371,"track":130},"the-spotlight-effect","\u002Flearn\u002F19\u002Fstarting-a-business\u002Fthe-spotlight-effect",171,"The Spotlight Effect","People notice you far less than you think","Fear of Judgment",[1373,1374],{"track":171,"count":64},{"track":130,"count":5},{"zone":175,"title":1376,"path":1377,"tier":22,"theme":233,"lessons":1378,"topics":1436},"Lifestyle Creep","\u002Flearn\u002F20\u002Flifestyle-creep",[1379,1385,1391,1397,1403,1410,1416,1423,1429],{"stage":175,"step":5,"id":1380,"path":1381,"node":1382,"title":1383,"subtitle":1384,"topic":245,"track":246},"fixed-and-variable-costs-at-home","\u002Flearn\u002F20\u002Flifestyle-creep\u002Ffixed-and-variable-costs-at-home",172,"Fixed and Variable Costs at Home","The bills that never move and the ones you control",{"stage":175,"step":22,"id":1386,"path":1387,"node":1388,"title":1389,"subtitle":1390,"topic":259,"track":246},"the-decoy-price","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-decoy-price",173,"The Decoy Price","A useless option can make another look like a deal",{"stage":175,"step":30,"id":1392,"path":1393,"node":1394,"title":1376,"subtitle":1395,"topic":1396,"track":246},"lifestyle-creep","\u002Flearn\u002F20\u002Flifestyle-creep\u002Flifestyle-creep",174,"When spending rises to meet every raise","Spending",{"stage":175,"step":38,"id":1398,"path":1399,"node":1400,"title":1401,"subtitle":1402,"topic":245,"track":246},"sinking-funds","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fsinking-funds",175,"Sinking Funds","Saving a little each month for bills you know are coming",{"stage":175,"step":45,"id":1404,"path":1405,"node":1406,"title":1407,"subtitle":1408,"topic":1409,"track":246},"a-new-car-is-an-investment","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fa-new-car-is-an-investment",176,"A New Car Is an Investment","Most cars lose value fast","Cars",{"stage":175,"step":52,"id":1411,"path":1412,"node":1413,"title":1414,"subtitle":1415,"topic":1409,"track":246},"the-true-cost-of-a-car","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-true-cost-of-a-car",177,"The True Cost of a Car","Payment, insurance, gas, repairs and the value it loses",{"stage":175,"step":58,"id":1417,"path":1418,"node":1419,"title":1420,"subtitle":1421,"topic":1422,"track":246},"the-diderot-effect","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-diderot-effect",178,"The Diderot Effect","A philosopher's beautiful new robe made everything he owned look shabby, and the upgrades never stopped","Wanting",{"stage":175,"step":64,"id":1424,"path":1425,"node":1426,"title":1427,"subtitle":1428,"topic":517,"track":130},"the-ikea-effect","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-ikea-effect",179,"The IKEA Effect","We love what we build ourselves",{"stage":175,"step":70,"id":1430,"path":1431,"node":1432,"title":1433,"subtitle":1434,"topic":1435,"track":246},"the-30-day-pause","\u002Flearn\u002F20\u002Flifestyle-creep\u002Fthe-30-day-pause",180,"The 30-Day Pause","Waiting before a want shows if you still want it","Spending Habits",[1437,1438],{"track":246,"count":64},{"track":130,"count":5},{"stage":30,"step":58,"node":209,"id":207,"language":1440,"title":210,"subtitle":211,"topic":212,"track":130,"is_supernode":1441,"languages":1442,"hash":1448,"intro":1449,"num_slides":52,"num_questions":45,"minutes":30},"en",false,[1443,1444,1445,1446,1447],"de","es","es-419","fr","it","ee95e0d9b3982924",{"icon":1450,"hook":1451,"discover":1452,"why":1456},"arrow.uturn.backward.circle.fill","Ask people about last week's regrets, then about their whole life's. The answers flip, and it says a lot about risk.",[1453,1454,1455],"Which regrets fade and which grow","Why the flip happens","How solid the evidence is","Every money move, starting a business included, is a choice between a regret now and a regret later."]