TEDxSanQuentin
Curtis "Wall Street" Carroll: How I learned to read -- and trade stocks -- in prison
Curtis "Wall Street" Carroll: Kuidas ma õppisin vanglas lugema ja aktsiatega kauplema
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Finantskirjaoskus ei ole lihtsalt tehniline oskus, see on elustiil. Curtis "Wall Street" Carroll on suurepäraseks eeskujuks kõigile, kel on olnud raskusi ühiskonnas hakkamasaamisega. Olles ise varastamiste ja röövimise eest vangis olnud, teab Caroll väga hästi, milline võim on rahal. Olles kirjaoskamatu, õppis ta vangis olles iseseisvalt lugema ja kirjutama ning aru saama aktsiaturust. Oma kõnes räägib ta väga lihtsast, kuid samas võimsast vahendist, mis aitaks nii kinnipeetuid kui ka neid, kes veel ei ole kuritegelikule teele läinud oskuslikumalt oma rahaga ümber käima ja seeläbi saama enesekindlamateks isiksusteks, paremateks kodanikeks ning edukateks ühiskonnaliikmeteks.
Curtis "Wall Street" Carroll - Financial literacy advocate
Curtis “Wall Street” Carroll overcame poverty, illiteracy, incarceration and a lack of outside support to become a stock investor, creator and teacher of his own financial literacy philosophy. Full bio
Curtis “Wall Street” Carroll overcame poverty, illiteracy, incarceration and a lack of outside support to become a stock investor, creator and teacher of his own financial literacy philosophy. Full bio
Double-click the English transcript below to play the video.
00:12
I was 14 years old
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Olin 14-aastane
00:15
inside of a bowling alley,
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kui varastasin tühjaks keeglisaalis
asunud mänguautomaadi.
asunud mänguautomaadi.
00:16
burglarizing an arcade game,
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00:19
and upon exiting the building
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Kui hakkasin välja minema,
haaras turvamees mul käest.
haaras turvamees mul käest.
00:21
a security guard grabbed my arm, so I ran.
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00:23
I ran down the street,
and I jumped on top of a fence.
and I jumped on top of a fence.
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Panin mööda tänavat jooksu ja
tahtsin üle piirdeaia hüpata.
tahtsin üle piirdeaia hüpata.
00:26
And when I got to the top,
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Kui end piirdeaiale püüdsin vinnata
00:28
the weight of 3,000 quarters
in my book bag
in my book bag
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tiris mu kotis olnud 3000
25-sendise raskus mind alla tagasi.
25-sendise raskus mind alla tagasi.
00:30
pulled me back down to the ground.
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00:32
So when I came to, the security guard
was standing on top of me,
was standing on top of me,
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Kui ma teadvusele tulin,
seisis turvamees mu kohal
seisis turvamees mu kohal
00:35
and he said, "Next time you little punks
steal something you can carry."
steal something you can carry."
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ja ütles: "Järgmine kord, tatikas,
varasta midagi, mida kanda jaksad."
varasta midagi, mida kanda jaksad."
00:39
(Laughter)
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(Naer)
00:41
I was taken to juvenile hall
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Mind viidi noortevanglasse
00:43
and when I was released
into the custody of my mother,
into the custody of my mother,
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ja kui mind sealt ema
käendusel vabaks lasti,
käendusel vabaks lasti,
00:47
the first words my uncle said was,
"How'd you get caught?"
"How'd you get caught?"
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oli mu onu esimene küsimus:
"Kuidas nad su kätte said?"
"Kuidas nad su kätte said?"
Vastasin: "Mu kott oli liiga raske."
00:50
I said, "Man, the book bag was too heavy."
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Tema vastu: "Poleks pidanud
kogu raha võtma."
kogu raha võtma."
00:52
He said, "Man, you weren't supposed
to take all the quarters."
to take all the quarters."
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Ma ütlesin: "Need olid nii väikesed
mündid, mis ma sain teha?"
mündid, mis ma sain teha?"
00:55
I said, "Man, they were small.
What am I supposed to do?"
What am I supposed to do?"
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Ja 10 minutit hiljem viis ta mu järgmist
mänguautomaati tühjendama.
mänguautomaati tühjendama.
00:58
And 10 minutes later, he took me
to burglarize another arcade game.
to burglarize another arcade game.
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Meil oli vaja kojusõiduks bensuraha.
01:03
We needed gas money to get home.
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Selline mu elu oli.
01:05
That was my life.
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01:07
I grew up in Oakland, California,
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Kasvasin üles Oaklandis Californias
01:09
with my mother and members
of my immediate family
of my immediate family
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koos ema ja lähisugulastega,
01:11
addicted to crack cocaine.
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kes olid kokaiinisõltlased.
01:13
My environment consisted
of living with family, friends,
of living with family, friends,
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Mu elukeskkonnaks oligi mu pere, sõbrad
01:18
and homeless shelters.
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ja kodutute varjupaigad.
01:21
Oftentimes, dinner was served
in breadlines and soup kitchens.
in breadlines and soup kitchens.
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Tihti sain oma õhtusöögi
toiduabist ja supiköögist.
toiduabist ja supiköögist.
01:25
The big homie told me this:
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Mu sõber ütles, et raha valitseb maailma
01:27
money rules the world
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ja kõik sõltub rahast.
01:29
and everything in it.
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Ja siin tänavatel on võim raha käes.
01:30
And in these streets, money is king.
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01:33
And if you follow the money,
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Kui sa järgned rahale,
01:34
it'll lead you to the bad guy
or the good guy.
or the good guy.
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jõuad välja kas hea või halva inimeseni.
01:38
Soon after, I committed my first crime,
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Varsti tegingi oma esimese kuriteo
01:40
and it was the first time
that I was told that I had potential
that I was told that I had potential
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ja mulle öeldi esimest korda elus,
et mul on potensiaali
et mul on potensiaali
01:43
and felt like somebody believed in me.
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ja tundsin, et keegi usub minusse.
01:46
Nobody ever told me
that I could be a lawyer,
that I could be a lawyer,
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Keegi ei öelnud mulle kunagi,
et minust võiks saada
advokaat, arst või insener.
advokaat, arst või insener.
01:48
doctor or engineer.
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Kuidas võinukski, kui ma ei osanud
lugeda ega kirjutada?
lugeda ega kirjutada?
01:50
I mean, how was I supposed to do that?
I couldn't read, write or spell.
I couldn't read, write or spell.
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Olin kirjaoskamatu.
01:53
I was illiterate.
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Seega arvasin, et kuritegevus
on mu ainuke võimalus.
on mu ainuke võimalus.
01:54
So I always thought
crime was my way to go.
crime was my way to go.
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01:59
And then one day
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Ühel päeval
02:01
I was talking to somebody
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rääkisin ühe tüübiga,
02:02
and he was telling me
about this robbery that we could do.
about this robbery that we could do.
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kes mainis, et võiksime koos
ühe röövi ette võtta.
ühe röövi ette võtta.
02:06
And we did it.
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Seda me tegimegi.
02:09
The reality was that I was growing up
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Olgugi, et kasvasin üles
ühes maailma rikkaimas riigis,
ühes maailma rikkaimas riigis,
02:10
in the strongest
financial nation in the world,
financial nation in the world,
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Ameerika Ühendriikides,
02:13
the United States of America,
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02:15
while I watched my mother
stand in line at a blood bank
stand in line at a blood bank
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pidin nägema, kuidas mu ema
seisab verekeskuse sabas,
seisab verekeskuse sabas,
02:20
to sell her blood for 40 dollars
just to try to feed her kids.
just to try to feed her kids.
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et müüa 40 dollari eest oma verd
ja lastele süüa osta.
ja lastele süüa osta.
02:25
She still has the needle marks
on her arms to day to show for that.
on her arms to day to show for that.
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Tal on kätel endiselt süstlaarmid,
mis seda tõestavad.
mis seda tõestavad.
Ühesõnaga, mul oli suva oma kogukonnast.
02:29
So I never cared about my community.
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Mina neile korda ei läinud.
02:31
They didn't care about my life.
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Kõik vaatasid, kuidas saada oma tahtmist.
02:32
Everybody there was doing what they
were doing to take what they wanted,
were doing to take what they wanted,
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Narkodiilerid, vargad, verepank.
02:36
the drug dealers,
the robbers, the blood bank.
the robbers, the blood bank.
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Kõik kasutasid vere hinnaga saadud raha.
02:38
Everybody was taking blood money.
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Ka mina krabasin oma osa,
kuidas vaid sain.
kuidas vaid sain.
02:40
So I got mine by any means necessary.
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02:41
I got mine.
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Võtsin enda jao.
02:43
Financial literacy
really did rule the world,
really did rule the world,
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Need, kes oskasid rahaga ümber käia,
valitsesid maailma
valitsesid maailma
ja mina olin vaid lapsori,
02:46
and I was a child slave to it
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02:48
following the bad guy.
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käies halva jälgedes.
02:52
At 17 years old, I was arrested
for robbery and murder
for robbery and murder
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17-aastaselt vahistati mind
varguse ja mõrva eest
varguse ja mõrva eest
02:55
and I soon learned that finances in prison
rule more than they did on the streets,
rule more than they did on the streets,
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ja sain teada, et raha võim on vanglas
veelgi suurem kui tänaval
veelgi suurem kui tänaval
02:59
so I wanted in.
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ja mina tahtsin ka.
Ükspäev haarasin kiiruga
ajalehe spordikülje,
ajalehe spordikülje,
03:01
One day, I rushed to grab
the sports page of the newspaper
the sports page of the newspaper
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03:04
so my celly could read it to me,
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et mu kongikaaslane seda mulle loeks,
03:06
and I accidentally
picked up the business section.
picked up the business section.
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kuid kogemata olin krabanud majanduskülje.
03:08
And this old man said,
"Hey youngster, you pick stocks?"
"Hey youngster, you pick stocks?"
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Vana küsis: "Kuule noormees,
kas sa tegeled aktsiatega?"
kas sa tegeled aktsiatega?"
Ja ma küsisin: "Mis see veel on?"
03:12
And I said, "What's that?"
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03:13
He said, "That's the place
where white folks keep all their money."
where white folks keep all their money."
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Ta ütles: "See on see koht, kus
valged kogu oma raha hoiavad."
valged kogu oma raha hoiavad."
(Naer)
03:16
(Laughter)
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See oli esimene kord,
kui mulle koitis lootusekiir
kui mulle koitis lootusekiir
03:17
And it was the first time
that I saw a glimpse of hope,
that I saw a glimpse of hope,
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ja nägin endal tulevikku.
03:21
a future.
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03:23
He gave me this brief description
of what stocks were,
of what stocks were,
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Ta rääkis veidi, mis need aktsiad on,
03:26
but it was just a glimpse.
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aga hästi lühidalt.
Kuidas ma saaksin ka seda teha?
03:30
I mean, how was I supposed to do it?
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03:32
I couldn't read, write or spell.
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Ma ei oska ju lugeda ega kirjutada...
03:34
The skills that I had developed
to hide my illiteracy
to hide my illiteracy
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Oskused, millega varjasin
kirjaoskuse puudumist
kirjaoskuse puudumist
03:37
no longer worked in this environment.
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olid ses uues keskkonnas kasutud.
03:39
I was trapped in a cage,
prey among predators,
prey among predators,
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Ma olin puuris, saak kiskjate vahel
ning võitlesin vabaduse eest
ning võitlesin vabaduse eest
03:42
fighting for freedom I never had.
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mida mul kunagi ei olnud.
03:44
I was lost, tired,
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Tundsin lootusetust ja väsimust,
03:46
and I was out of options.
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mul ei olnud mingeid väljavaateid.
03:49
So at 20 years old,
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Nii võtsin ma 20-aastaselt ette
03:50
I did the hardest thing
I'd ever done in my life.
I'd ever done in my life.
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oma elu kõige raskema asja.
03:54
I picked up a book,
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Ma võtsin kätte raamatu
03:57
and it was the most agonizing
time of my life,
time of my life,
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ja proovisin hakkama saada
millegi kohutavalt raskega -
millegi kohutavalt raskega -
04:01
trying to learn how to read,
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üritasin lugema õppida.
04:03
the ostracizing from my family,
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Eemaldusin oma perest,
04:05
the homies.
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oma sõpradest.
04:08
It was rough, man.
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See oli väga karm,
04:09
It was a struggle.
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see oli võitlus.
04:11
But little did I know
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Ma ei kujutanud ette,
04:12
I was receiving the greatest gifts
I had ever dreamed of:
I had ever dreamed of:
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et olin saanud elu suurima kingituse:
04:16
self-worth,
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eneseväärikuse,
teadmised, distsipliini.
04:18
knowledge, discipline.
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04:21
I was so excited to be reading that I read
everything I could get my hands on:
everything I could get my hands on:
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Ma olin lugemisest nii pöördes,
et lugesin kõike, mis ette juhtus:
et lugesin kõike, mis ette juhtus:
kommipabereid, riidesilte,
liiklusmärke, kõike.
liiklusmärke, kõike.
04:24
candy wrappers, clothing logos,
street signs, everything.
street signs, everything.
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04:28
I was just reading stuff!
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Ma lihtsalt lugesin!
04:29
(Applause)
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(Aplaus)
04:30
Just reading stuff.
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Lugesin kõike!
04:33
I was so excited to know how to read
and know how to spell.
and know how to spell.
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Ma tohutus vaimustuses lugemisest ja
tähthaaval sõnade ütlemisest.
tähthaaval sõnade ütlemisest.
04:36
The homie came up, said,
"Man, what you eating?"
"Man, what you eating?"
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Sõber tuli juurde ja küsis:
"Mis sa sööd?"
"Mis sa sööd?"
Ma ütlesin, et K-O-M-M-I, kommi.
04:39
I said, "C-A-N-D-Y, candy."
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04:40
(Laughter)
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(Naer)
04:43
He said, "Let me get some."
I said, "N-O. No."
I said, "N-O. No."
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Ta ütles, et anna mulle ka.
Ma ütlesin: "E-I, ei."
Ma ütlesin: "E-I, ei."
04:45
(Laughter)
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(Naer)
See oli superlahe!
04:46
It was awesome.
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04:48
I mean, I can actually now
for the first time in my life read.
for the first time in my life read.
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Esimest korda elus oskan ma lugeda!
04:51
The feeling that I got
from it was amazing.
from it was amazing.
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See oli erakordselt lahe tunne!
04:55
And then at 22, feeling myself,
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22-aastasena,
tundes end hästi ja enesekindlalt,
tundes end hästi ja enesekindlalt,
04:58
feeling confident,
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meenus see, mida kambrikaaslane ütles.
05:00
I remembered what the OG told me.
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05:03
So I picked up the business section
of the newspaper.
of the newspaper.
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Otsisin välja ajalehe majanduskülje.
05:07
I wanted to find these rich white folks.
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Tahtsin need rikkad valged üles leida.
05:09
(Laughter)
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(Naer)
05:12
So I looked for that glimpse.
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Nii et uurisin seda asja lähemalt.
05:15
As I furthered my career
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Kui ma siis tööalaselt edasi liikusin
ja teistele õpetama hakkasin,
ja teistele õpetama hakkasin,
05:17
in teaching others how to
financially manage money and invest,
financially manage money and invest,
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kuidas oma raha
hallada ja investeerida,
hallada ja investeerida,
05:21
I soon learned that I had to take
responsibility for my own actions.
responsibility for my own actions.
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mõistsin, et pean võtma
vastutuse oma tegude eest.
vastutuse oma tegude eest.
05:24
True, I grew up
in a very complex environment,
in a very complex environment,
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Tõsi, kasvasin üles väga
keerulistes oludes,
keerulistes oludes,
05:27
but I chose to commit crimes,
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kuid kuritegelikule teele minek
oli minu enda valik
oli minu enda valik
05:29
and I had to own up to that.
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ning pidin seda tunnistama.
05:31
I had to take responsibility
for that, and I did.
for that, and I did.
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Mul tuli võtta vastutus ja tegin seda.
05:33
I was building a curriculum
that could teach incarcerated men
that could teach incarcerated men
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Koostasin vangidele õppeakava,
05:36
how to manage money
through prison employments.
through prison employments.
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kuidas vanglas töötades
oma raha hallata.
oma raha hallata.
05:40
Properly managing our lifestyle
would provide transferrable tools
would provide transferrable tools
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Oma elustiili korrastamine
annab vajalikud oskused,
annab vajalikud oskused,
05:43
that we can use to manage money
when we reenter society,
when we reenter society,
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mis tulevad kasuks ühiskonda naasmisel,
05:47
like the majority of people did
who didn't commit crimes.
who didn't commit crimes.
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nii nagu teevad inimesed,
kes kuritegelikule teele ei läinud.
kes kuritegelikule teele ei läinud.
05:50
Then I discovered
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Sain siis ka teada,
et Market Watchi küsitluse kohaselt
05:52
that according to MarketWatch,
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05:54
over 60 percent of the American population
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oli üle 60% ameeriklastest
05:57
has under 1,000 dollars in savings.
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vähem kui 1000 dollarit sääste.
06:00
Sports Illustrated said that
over 60 percent of NBA players
over 60 percent of NBA players
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Sports Illustrated kirjutas,
et üle 60% NBA ja NFL-i mängijatest
et üle 60% NBA ja NFL-i mängijatest
06:03
and NFL players go broke.
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lähevad pankrotti.
06:05
40 percent of marital problems
derive from financial issues.
derive from financial issues.
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40% abielutülidest tulenevad
rahalistest probleemidest.
rahalistest probleemidest.
Mida paganat?
06:09
What the hell?
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06:10
(Laughter)
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(Naer)
06:12
You mean to tell me
that people worked their whole lives,
that people worked their whole lives,
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Kas ongi nii, et inimesed
töötavad kogu oma elu,
töötavad kogu oma elu,
06:15
buying cars, clothes,
homes and material stuff
homes and material stuff
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ostavad autosid, riideid, maju ja muud,
06:17
but were living check to check?
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aga elavad palgapäevast palgapäevani?
06:20
How in the world were members of society
going to help incarcerated individuals
going to help incarcerated individuals
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Kuidas nad peaksid siis aitama vangidel
tagasi ühiskonda sulanduda,
06:24
back into society
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06:25
if they couldn't manage they own stuff?
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kui nad ei suuda endagi elu majandada?
06:28
We screwed.
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Mõttetud mehed!
06:29
(Laughter)
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(Naer)
06:31
I needed a better plan.
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Vaja oli paremat lahendust.
06:34
This is not going to work out too well.
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See ilmselgelt ei toimi.
06:37
So ...
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Seega...
06:39
I thought.
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Mõtlesin asja üle järele.
06:43
I now had an obligation
to meet those on the path
to meet those on the path
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Mul oli nüüd kohustus aidata neid,
kes olid selle tee valinud,
06:48
and help,
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mis oli uskumatu, sest nüüd ma
hoolisin oma kogukonnast.
hoolisin oma kogukonnast.
06:49
and it was crazy because
I now cared about my community.
I now cared about my community.
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06:52
Wow, imagine that.
I cared about my community.
I cared about my community.
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Wow! Kujutage ette.
Mulle lähebki see korda.
06:56
Financial illiteracy is a disease
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Finantskirjaoskamatus on haigus,
mis on halvanud meie ühiskonna vähemused
ja vähemprivilegeeritud klassid
ja vähemprivilegeeritud klassid
06:58
that has crippled minorities
and the lower class in our society
and the lower class in our society
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07:02
for generations and generations,
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põlvkondade kaupa.
07:04
and we should be furious about that.
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Meid peaks see väga vihaseks tegema.
07:06
Ask yourselves this:
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Küsige endalt:
07:08
How can 50 percent
of the American population
of the American population
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kuidas saab 50% Ameerika elanikkonnast
07:11
be financially illiterate in a nation
driven by financial prosperity?
driven by financial prosperity?
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olla majanduslikus mõttes kirjaoskamatud
riigis, mis on maailma majanduse lipulaev?
riigis, mis on maailma majanduse lipulaev?
07:17
Our access to justice, our social status,
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Õigussüsteemi kättesaadavus,
meie sotsiaalne staatus,
meie sotsiaalne staatus,
07:19
living conditions, transportation and food
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elutingimused, transport ja toit
07:22
are all dependent on money
that most people can't manage.
that most people can't manage.
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on kõik sõltuvuses rahast, mida
enamik inimesi ei oska hallata.
enamik inimesi ei oska hallata.
07:26
It's crazy!
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See on hullumeelsus!
07:27
It's an epidemic
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See on epideemia
07:29
and a bigger danger to public safety
than any other issue.
than any other issue.
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ja suurem oht ühiskonna turvalisusele
kui mis tahes muu probleem.
07:33
According to the California
Department of Corrections,
Department of Corrections,
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California Vanglaameti andmetel
07:36
over 70 percent of those incarcerated
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on rohkem kui 70% vangidest
07:38
have committed or have been charged
with money-related crimes:
with money-related crimes:
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sooritanud rahaga seonduva kuriteo:
07:42
robberies, burglaries,
fraud, larceny, distortion --
fraud, larceny, distortion --
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vargused, sissemurdmised, pettused,
väljapressimised -
väljapressimised -
ja nii edasi.
07:47
and the list goes on.
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07:49
Check this out:
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Kuulake seda:
07:51
a typical incarcerated person
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tüüpiline kinnipeetu
07:54
would enter the California prison system
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siseneb California vanglasüsteemi
07:56
with no financial education,
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ilma igasuguse rahalise hariduseta,
07:58
earn 30 cents an hour,
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ta teenib 30 senti tunnis,
08:00
over 800 dollars a year,
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mis teeb veidi üle 800 dollari aastas,
08:03
with no real expenses and save no money.
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ilma eriliste väljaminekuteta
ja ei säästa midagi.
ja ei säästa midagi.
08:06
Upon his parole, he will be given
200 dollars gate money and told,
200 dollars gate money and told,
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Kui see inimene vanglast vabaneb,
antakse talle 200 dollarit ja öeldakse:
antakse talle 200 dollarit ja öeldakse:
08:11
"Hey, good luck, stay out of trouble.
Don't come back to prison."
Don't come back to prison."
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"Palju edu, ära jamadesse satu
ega siia tagasi tule."
ega siia tagasi tule."
08:14
With no meaningful preparation
or long-term financial plan,
or long-term financial plan,
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Ilma mingi ettevalmistuse või
pikema rahalise plaanita,
pikema rahalise plaanita,
08:18
what does he do ... ?
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mida ta teeb?
08:20
At 60?
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60-aastaselt?
08:23
Get a good job,
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Läheb tööle või naaseb kriminaalse
käitumise juurde, mis ta vangi viis?
käitumise juurde, mis ta vangi viis?
08:24
or go back to the very criminal behavior
that led him to prison in the first place?
that led him to prison in the first place?
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08:29
You taxpayers, you choose.
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Teie olete maksumaksjad - valige.
08:31
Well, his education
already chose for him, probably.
already chose for him, probably.
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Tema haridus ilmselt valis juba tema eest.
08:35
So how do we cure this disease?
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Kuidas me ravime seda haigust?
08:38
I cofounded a program
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Me asutasime ühe programmi
08:40
that we call Financial Empowerment
Emotional Literacy.
Emotional Literacy.
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mille nimi on "Financial Empowerment
Emotional Literacy"
Emotional Literacy"
08:44
We call it FEEL,
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Me kutsume seda FEELiks
08:46
and it teaches how do you separate
your emotional decisions
your emotional decisions
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ja see õpetab eraldama
emotsionaalseid otsuseid
emotsionaalseid otsuseid
08:49
from your financial decisions,
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majanduslikest otsustest
08:51
and the four timeless rules
to personal finance:
to personal finance:
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ja annab neli reeglit
oma rahaga ümberkäimiseks:
oma rahaga ümberkäimiseks:
08:54
the proper way to save,
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kuidas säästa,
08:57
control your cost of living,
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kulusid kontrolli all hoida,
09:00
borrow money effectively
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mõistlikult laenu võtta
09:02
and diversify your finances
by allowing your money to work for you
by allowing your money to work for you
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ja oskuslikult investeerida,
et mitte raha nimel rügada,
vaid panna raha enda heaks tööle.
vaid panna raha enda heaks tööle.
09:05
instead of you working for it.
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09:07
Incarcerated people need these life skills
before we reenter society.
before we reenter society.
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Vangid vajavad neid oskusi
ühiskonda naasmiseks
ühiskonda naasmiseks
09:13
You can't have full rehabilitation
without these life skills.
without these life skills.
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Ei ole võimalik täielikult
ühiskonda sulanduda,
ühiskonda sulanduda,
kui need oskused puuduvad.
09:17
This idea that only professionals
can invest and manage money
can invest and manage money
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Mõte, et ainult professionaalid saavad
investeerida ja raha haldada
investeerida ja raha haldada
09:21
is absolutely ridiculous,
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on naeruväärne
09:23
and whoever told you that is lying.
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ja kes iganes seda ütles,
räägib valet.
09:25
(Applause)
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(Aplaus)
09:30
A professional is a person
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Professionaal on keegi,
09:32
who knows his craft better than most,
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kes oskab oma tööd paremini,
kui enamik teisi inimesi
kui enamik teisi inimesi
09:35
and nobody knows how much money
you need, have or want better than you,
you need, have or want better than you,
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ja sina tead kõige paremini, kui palju
raha sa vajad, omad või tahad,
raha sa vajad, omad või tahad,
09:40
which means you are the professional.
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seega oledki sa professionaal.
09:42
Financial literacy is not a skill,
ladies and gentlemen.
ladies and gentlemen.
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Finantskirjaoskus ei ole lihtsalt oskus,
daamid ja härrad,
09:47
It's a lifestyle.
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see on elustiil.
09:49
Financial stability is a byproduct
of a proper lifestyle.
of a proper lifestyle.
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Majanduslik stabiilsus kaasneb
õige elustiiliga.
õige elustiiliga.
09:54
A financially sound incarcerated person
can become a taxpaying citizen,
can become a taxpaying citizen,
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Majanduslikult mõtlevast vangist
võib saada tubli maksumaksja.
võib saada tubli maksumaksja.
09:58
and a financially sound
taxpaying citizen can remain one.
taxpaying citizen can remain one.
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Majanduslikult mõistlik maksumaksja
jätkab nii ka edaspidi.
jätkab nii ka edaspidi.
10:02
This allows us to create a bridge
between those people who we influence:
between those people who we influence:
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See võimaldab luua sideme
inimestega, keda saame mõjutada:
inimestega, keda saame mõjutada:
10:06
family, friends and those young people
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pere, sõprade ja nende noortega,
10:09
who still believe
that crime and money are related.
that crime and money are related.
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kes siiani usuvad, et kuritegevus
ja raha käivad käsikäes.
ja raha käivad käsikäes.
10:13
So let's lose the fear and anxiety
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Teeme lõpu hirmule ja ebakindlusele
nende keeruliste majandusterminite
10:16
of all the big financial words
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10:18
and all that other nonsense
that you've been out there hearing.
that you've been out there hearing.
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ja kõige muu jama ees,
mida räägitakse.
mida räägitakse.
10:21
And let's get to the heart
of what's been crippling our society
of what's been crippling our society
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Tegeleme ühiskonda halvava
probleemi põhiolemusega,
probleemi põhiolemusega,
10:25
from taking care of your responsibility
to be better life managers.
to be better life managers.
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mis takistab meil olemast oma elus
vastutustundlikumad majandajad
10:31
And let's provide a simple
and easy to use curriculum
and easy to use curriculum
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Teeme valmis lihtsa õppekava,
mis keskendub finantskirjaoskuse
10:34
that gets to the heart, the heart
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10:36
of what financial empowerment
and emotional literacy really is.
and emotional literacy really is.
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ja emotsionaalse pädevuse põhiolemusele.
10:40
Now, if you're sitting out here
in the audience and you said,
in the audience and you said,
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Kui istud seal publiku hulgas ja mõtled,
10:43
"Oh yeah, well, that ain't me
and I don't buy it,"
and I don't buy it,"
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et see pole minu jaoks ja seda ma ei usu,
siis tule mu koolitusele.
10:45
then come take my class --
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10:47
(Laughter)
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(Naer)
10:49
so I can show you how much money
it costs you every time you get emotional.
it costs you every time you get emotional.
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Et teaksite, kui palju läheb
teile maksma iga kord,
teile maksma iga kord,
kui oma emotsioonide üle
kontrolli kaotate.
kontrolli kaotate.
10:53
(Applause)
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(Aplaus)
10:59
Thank you very much. Thank you.
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Tänan!
(Aplaus)
11:01
(Applause)
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ABOUT THE SPEAKER
Curtis "Wall Street" Carroll - Financial literacy advocateCurtis “Wall Street” Carroll overcame poverty, illiteracy, incarceration and a lack of outside support to become a stock investor, creator and teacher of his own financial literacy philosophy.
Why you should listen
The media calls Curtis "Wall Street" Carroll the "Oracle of San Quentin" for his stock picking prowess and ability to translate financial information into simple language for his students.
Carroll grew up in Oakland, California surrounded by poverty. In 1996, at 17 years old, he committed a robbery where a man was killed. He turned himself in and ended up an illiterate teenager in prison with a 54-to-life sentence. While in prison, the stock market captured his attention, but due to his illiteracy he couldn't learn more about it. Motivating by the lure of financial gaining, he taught himself how to read at 20-21 years old, and then he started studying the stock market. Carroll's role models changed from drug dealers and sports figures to Bill Gates and Warren Buffet. He wanted others to learn this new way of making money.
When Carroll arrived at San Quentin in 2012, he met Troy Williams, who helped him start the Financial Literacy Program. Together they created the philosophy F.E.E.L (Financial Empowerment Emotional Literacy) that teaches people to recognize how their emotions affect their financial decision, and how to separate the two.
Curtis "Wall Street" Carroll | Speaker | TED.com