TEDxSanQuentin
Curtis "Wall Street" Carroll: How I learned to read -- and trade stocks -- in prison
柯蒂斯“华尔街”卡罗尔: 我在监狱学会阅读和交易股票
Filmed:
Readability: 3.7
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财务素养不是技能——它是一种生活方式。柯蒂斯“华尔街”卡罗尔这样说。作为服刑人员，卡罗尔了解一美元的力量。 在监狱里，他自学如何阅读和交易股票，现在他分享一个简单而强大的信息：我们都需要掌握管钱的本领
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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当年我14岁，
在保龄球馆里，
00:15
inside of a bowling alley,
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偷了电子游戏机里的钱，
00:16
burglarizing an arcade game,
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00:19
and upon exiting the building
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就在走出那球馆时，
一名保安抓了我的胳膊，
所以我就跑。
所以我就跑。
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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我沿着街跑，然后跳上围栏。
跳到围栏顶上时，
00:26
And when I got to the top,
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书包里的三千个
两毛五硬币的重量
两毛五硬币的重量
00:28
the weight of 3,000 quarters
in my book bag
in my book bag
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把我拽回地上。
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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所以等我反应过来时，
那个保安站在我头顶，
那个保安站在我头顶，
他说：“下回你个小废物
去偷点能背得动的东西！”
去偷点能背得动的东西！”
00:35
and he said, "Next time you little punks
steal something you can carry."
steal something you can carry."
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（笑声）
00:39
(Laughter)
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我被带去少管所了，
00:41
I was taken to juvenile hall
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当我被放出来交给我妈时，
00:43
and when I was released
into the custody of my mother,
into the custody of my mother,
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00:47
the first words my uncle said was,
"How'd you get caught?"
"How'd you get caught?"
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我叔叔说的第一句话是
“你怎么被抓住了？”
“你怎么被抓住了？”
我说，“老兄，那书包实在太重了！”。
00:50
I said, "Man, the book bag was too heavy."
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他说：“嘿，你不应该
把所有硬币都拿走啊。”
把所有硬币都拿走啊。”
00:52
He said, "Man, you weren't supposed
to take all the quarters."
to take all the quarters."
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我说：“钱太少了啊，
我能怎么办？ ”
我能怎么办？ ”
00:55
I said, "Man, they were small.
What am I supposed to do?"
What am I supposed to do?"
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10分钟后，
他带我去偷另一个游戏机。
他带我去偷另一个游戏机。
00:58
And 10 minutes later, he took me
to burglarize another arcade game.
to burglarize another arcade game.
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我们需要回家的汽油钱。
01:03
We needed gas money to get home.
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01:05
That was my life.
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那就是我的生活。
01:07
I grew up in Oakland, California,
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我在加州奥克兰长大，
我妈妈和家里亲戚
01:09
with my mother and members
of my immediate family
of my immediate family
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都是可卡因瘾君子。
01:11
addicted to crack cocaine.
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01:13
My environment consisted
of living with family, friends,
of living with family, friends,
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我的生活环境包括家人、朋友
01:18
and homeless shelters.
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和流浪汉避难所。
经常，晚餐地点是
领救济食品的队伍和施粥场。
领救济食品的队伍和施粥场。
01:21
Oftentimes, dinner was served
in breadlines and soup kitchens.
in breadlines and soup kitchens.
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01:25
The big homie told me this:
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家里大人告诉我：
钱统治世界
01:27
money rules the world
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和世上的一切。
01:29
and everything in it.
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在这些街道上，钱是王。
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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如果你跟着钱走，
它会把你变成坏人或者好人。
01:34
it'll lead you to the bad guy
or the good guy.
or the good guy.
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01:38
Soon after, I committed my first crime,
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不久之后，我第一次犯罪，
那是第一次有人告诉我，我有潜力，
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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并且感觉有人相信我。
01:43
and felt like somebody believed in me.
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01:46
Nobody ever told me
that I could be a lawyer,
that I could be a lawyer,
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没有人告诉过我，我可以是律师、
医生或工程师。
01:48
doctor or engineer.
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我是说，我怎么可能做得到？
我不会读，不会写也不会拼。
我不会读，不会写也不会拼。
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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我是文盲。
01:53
I was illiterate.
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所以我一直认为
犯罪就是我的人生道路。
犯罪就是我的人生道路。
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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然后有一天，
我和某人聊天，
02:01
I was talking to somebody
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他跟我说我们可以干一票抢劫。
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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02:06
And we did it.
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于是我们去抢了。
02:09
The reality was that I was growing up
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现实是，我成长在
世界上最强大的金融国家——
02:10
in the strongest
financial nation in the world,
financial nation in the world,
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美利坚合众国，
02:13
the United States of America,
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却看着我妈在血库排队
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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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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卖血挣40美元，
只是为了让她的孩子有饭吃。
只是为了让她的孩子有饭吃。
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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她的胳膊上仍然有
那段时间留下的针孔疤痕。
那段时间留下的针孔疤痕。
02:29
So I never cared about my community.
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所以我从来不关心我的社区。
他们没有在乎过我的生活。
02:31
They didn't care about my life.
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每个人都在做他们自己的事
来换取他们想要的东西，
来换取他们想要的东西，
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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毒贩、强盗、血库都是这样。
02:36
the drug dealers,
the robbers, the blood bank.
the robbers, the blood bank.
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每个人都在赚血腥钱。
02:38
Everybody was taking blood money.
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所以我用一切必要手段去赚我那份。
02:40
So I got mine by any means necessary.
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02:41
I got mine.
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我也赚我的血腥钱。
金钱确实在统治这个世界，
02:43
Financial literacy
really did rule the world,
really did rule the world,
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02:46
and I was a child slave to it
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我也是一个受它支配的小孩
只不过我追随的是坏人
02:48
following the bad guy.
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02:52
At 17 years old, I was arrested
for robbery and murder
for robbery and murder
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17岁时，我因抢劫和谋杀被捕，
我很快发现，金钱在监狱里
比在外面街上更有权威，
比在外面街上更有权威，
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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所以我要加入。
02:59
so I wanted in.
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03:01
One day, I rushed to grab
the sports page of the newspaper
the sports page of the newspaper
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有一天，我着急去拿报纸的体育版，
好让我的牢友念给我听，
03:04
so my celly could read it to me,
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我不小心拿起了商业版。
03:06
and I accidentally
picked up the business section.
picked up the business section.
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有个老头儿说：“嘿，
年轻人，你选股票？”
年轻人，你选股票？”
03:08
And this old man said,
"Hey youngster, you pick stocks?"
"Hey youngster, you pick stocks?"
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我说：“股票是啥？”
03:12
And I said, "What's that?"
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他说：“白人把所有钱都放在那。”
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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（笑声）
03:16
(Laughter)
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那是我第一次看到一线希望，
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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一个未来！
03:21
a future.
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他给我简要描述了什么是股票，
03:23
He gave me this brief description
of what stocks were,
of what stocks were,
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03:26
but it was just a glimpse.
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但那只是一瞥。
03:30
I mean, how was I supposed to do it?
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我的意思是，我能怎么做？
我不会读、不会写也不会拼。
03:32
I couldn't read, write or spell.
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03:34
The skills that I had developed
to hide my illiteracy
to hide my illiteracy
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我开发的掩饰文盲身份的技能
在这种情况下都没用了。
03:37
no longer worked in this environment.
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我被困在笼子里，
在掠食者中间捕食，
在掠食者中间捕食，
03:39
I was trapped in a cage,
prey among predators,
prey among predators,
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争取我从未拥有的自由。
03:42
fighting for freedom I never had.
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我迷失，疲惫，
03:44
I was lost, tired,
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无路可走。
03:46
and I was out of options.
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03:49
So at 20 years old,
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所以在20岁的时候，
我做了我一生中最难一件事。
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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03:54
I picked up a book,
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我拿起了一本书，
03:57
and it was the most agonizing
time of my life,
time of my life,
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那是我一生中最痛苦的时刻，
04:01
trying to learn how to read,
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试图学习怎么读书，
离家在外，
04:03
the ostracizing from my family,
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没有亲人。
04:05
the homies.
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04:08
It was rough, man.
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很难啊，朋友们。
那是挣扎。
04:09
It was a struggle.
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但我几乎不知道，
04:11
But little did I know
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我收到了曾梦想过的最大的礼物：
04:12
I was receiving the greatest gifts
I had ever dreamed of:
I had ever dreamed of:
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自我价值，
04:16
self-worth,
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04:18
knowledge, discipline.
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知识，纪律。
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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我会认字太兴奋了，
能拿到的所有东西都要去读：
能拿到的所有东西都要去读：
糖果包装，衣服标牌，路标，一切。
04:24
candy wrappers, clothing logos,
street signs, everything.
street signs, everything.
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我不停地读！
04:28
I was just reading stuff!
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（掌声）
04:29
(Applause)
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不停地读。
04:30
Just reading stuff.
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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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我太高兴自己学会
如何阅读和如何拼写了。
如何阅读和如何拼写了。
04:36
The homie came up, said,
"Man, what you eating?"
"Man, what you eating?"
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有个哥们儿过来问我：“嘿，你吃什么呢？”
我说，“C-A-N-D-Y，糖果”。
04:39
I said, "C-A-N-D-Y, candy."
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（笑声）
04:40
(Laughter)
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他说：“让我吃点。”
我说，“N-O，不。”
我说，“N-O，不。”
04:43
He said, "Let me get some."
I said, "N-O. No."
I said, "N-O. No."
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（笑声）
04:45
(Laughter)
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真是太棒了。
04:46
It was awesome.
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人生第一次，我现在真的认字了。
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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从中得到的感觉是美妙的。
04:51
The feeling that I got
from it was amazing.
from it was amazing.
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04:55
And then at 22, feeling myself,
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然后22岁时，我找到自我，
04:58
feeling confident,
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能感到自信，
我想起那老头儿对我说的话。
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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所以我拿起报纸的商业版。
我想找到这些有钱的白人。
05:07
I wanted to find these rich white folks.
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（笑声）
05:09
(Laughter)
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05:12
So I looked for that glimpse.
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所以我寻找那一瞥。
05:15
As I furthered my career
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随着我发展我的职业——
教给别人如何管理资金和投资，
05:17
in teaching others how to
financially manage money and invest,
financially manage money and invest,
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我很快知道我必须对自己的行为负责。
05:21
I soon learned that I had to take
responsibility for my own actions.
responsibility for my own actions.
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诚然，我在一个
非常复杂的环境中长大，
非常复杂的环境中长大，
05:24
True, I grew up
in a very complex environment,
in a very complex environment,
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但是去犯罪是我自己选的，
05:27
but I chose to commit crimes,
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我必须背负它。
05:29
and I had to own up to that.
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我必须为之负责，
我也确实是这样做的。
我也确实是这样做的。
05:31
I had to take responsibility
for that, and I did.
for that, and I did.
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我开了一系列课程，
教给犯人如何通过在监狱工作
教给犯人如何通过在监狱工作
05:33
I was building a curriculum
that could teach incarcerated men
that could teach incarcerated men
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05:36
how to manage money
through prison employments.
through prison employments.
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来管理金钱。
05:40
Properly managing our lifestyle
would provide transferrable tools
would provide transferrable tools
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适当管理我们的生活方式
将提供可移用的工具，
将提供可移用的工具，
我们可以在重回社会时
用来管理金钱的工具，
用来管理金钱的工具，
05:43
that we can use to manage money
when we reenter society,
when we reenter society,
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就像没有犯罪的大多数人一样理财。
05:47
like the majority of people did
who didn't commit crimes.
who didn't commit crimes.
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然后我发现，
05:50
Then I discovered
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05:52
that according to MarketWatch,
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根据"市场观察"所说的，
60%以上的美国人
05:54
over 60 percent of the American population
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存款不到1000美元。
05:57
has under 1,000 dollars in savings.
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06:00
Sports Illustrated said that
over 60 percent of NBA players
over 60 percent of NBA players
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运动画刊说， 60%以上的
NBA球员和NFL球员都破产了。
06:03
and NFL players go broke.
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婚姻问题的40%来自财务问题。
06:05
40 percent of marital problems
derive from financial issues.
derive from financial issues.
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06:09
What the hell?
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什么啊？
（笑声）
06:10
(Laughter)
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你想告诉我，一辈子都在工作的人们，
06:12
You mean to tell me
that people worked their whole lives,
that people worked their whole lives,
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可以买汽车、衣服、房子和家居材料等等，
06:15
buying cars, clothes,
homes and material stuff
homes and material stuff
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但是每个月都花光光？
06:17
but were living check to check?
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社会上那些人
06:20
How in the world were members of society
going to help incarcerated individuals
going to help incarcerated individuals
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如果连自己的东西都管不好，
到底怎么帮助犯人重回社会？
06:24
back into society
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06:25
if they couldn't manage they own stuff?
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06:28
We screwed.
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我们完蛋了啊！
（笑声）
06:29
(Laughter)
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我需要一个更好的计划。
06:31
I needed a better plan.
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06:34
This is not going to work out too well.
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现在这样可不行。
所以，
06:37
So ...
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06:39
I thought.
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我想，
06:43
I now had an obligation
to meet those on the path
to meet those on the path
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我现在有义务去接近
犯罪道路上的那些人，
犯罪道路上的那些人，
06:48
and help,
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帮助他们，
这很疯狂，因为我现在关心我的社区。
06:49
and it was crazy because
I now cared about my community.
I now cared about my community.
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哇，想象一下，
我居然关心我的社区了啊。
我居然关心我的社区了啊。
06:52
Wow, imagine that.
I cared about my community.
I cared about my community.
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06:56
Financial illiteracy is a disease
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财务盲是一种疾病，
使我们社会中的少数群体和底层社会
06:58
that has crippled minorities
and the lower class in our society
and the lower class in our society
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一代又一代地陷入困境，
07:02
for generations and generations,
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我们应该对此感到愤怒。
07:04
and we should be furious about that.
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问问你自己：
07:06
Ask yourselves this:
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身处由经济繁荣驱动的国家，
07:08
How can 50 percent
of the American population
of the American population
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怎么会有50%的美国人是财务盲？
07:11
be financially illiterate in a nation
driven by financial prosperity?
driven by financial prosperity?
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07:17
Our access to justice, our social status,
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我们的司法权，我们的社会地位，
生活条件、交通和食物都依赖于金钱，
07:19
living conditions, transportation and food
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可大多数人根本不懂理财。
07:22
are all dependent on money
that most people can't manage.
that most people can't manage.
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07:26
It's crazy!
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疯了啊！
这是流行病，
07:27
It's an epidemic
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对公共安全的危害比任何其他问题都大。
07:29
and a bigger danger to public safety
than any other issue.
than any other issue.
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07:33
According to the California
Department of Corrections,
Department of Corrections,
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根据加州惩教部的统计，
70%以上的犯人
07:36
over 70 percent of those incarcerated
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已经犯有或被控犯有与钱有关的罪行：
07:38
have committed or have been charged
with money-related crimes:
with money-related crimes:
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抢劫，偷东西，欺诈，盗窃，勒索
07:42
robberies, burglaries,
fraud, larceny, distortion --
fraud, larceny, distortion --
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07:47
and the list goes on.
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还有很多。
07:49
Check this out:
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举个例子：
一个典型的犯人，
07:51
a typical incarcerated person
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在进入加州监狱系统时
07:54
would enter the California prison system
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没有财务知识，
07:56
with no financial education,
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07:58
earn 30 cents an hour,
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每小时赚30美分，
每年800多美元，
08:00
over 800 dollars a year,
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没有真正的花销，也不存钱。
08:03
with no real expenses and save no money.
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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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假释时，给他200美元出门费，告诉他：
“嗨，祝你好运，
别惹麻烦，别再来监狱了。”
别惹麻烦，别再来监狱了。”
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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08:14
With no meaningful preparation
or long-term financial plan,
or long-term financial plan,
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如果没有任何有意义的准备
或长期的财务计划，
或长期的财务计划，
他能做什么？
08:18
what does he do ... ?
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08:20
At 60?
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在60岁的年纪？
08:23
Get a good job,
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找个好工作，
还是重回最初送他进监狱的犯罪行为？
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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你们是纳税人，你们选一选。
可是，他的教育程度可能已经为他选了。
08:31
Well, his education
already chose for him, probably.
already chose for him, probably.
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08:35
So how do we cure this disease?
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那么我们如何治愈这种病呢？
08:38
I cofounded a program
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我合作成立了一个计划，
我们称之为理财能力感情教育
08:40
that we call Financial Empowerment
Emotional Literacy.
Emotional Literacy.
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简称FEEL，
08:44
We call it FEEL,
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它教你如何将情绪化的决定
08:46
and it teaches how do you separate
your emotional decisions
your emotional decisions
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与财务决策分开，
08:49
from your financial decisions,
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教你四个永恒的个人理财规则：
08:51
and the four timeless rules
to personal finance:
to personal finance:
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用正确的方式来存钱；
08:54
the proper way to save,
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08:57
control your cost of living,
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控制生活成本；
09:00
borrow money effectively
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有效借贷；
允许财务多元化，
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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让钱为你工作，
而不是你为钱工作。
而不是你为钱工作。
09:05
instead of you working for it.
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犯人在重回社会之前需要这些生活技能。
09:07
Incarcerated people need these life skills
before we reenter society.
before we reenter society.
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09:13
You can't have full rehabilitation
without these life skills.
without these life skills.
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没有这些生活技能就不能完全改过自新。
只有专业人士才能投资理财的想法
09:17
This idea that only professionals
can invest and manage money
can invest and manage money
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绝对是可笑的，
09:21
is absolutely ridiculous,
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这么对你说的人是在撒谎。
09:23
and whoever told you that is lying.
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（掌声）
09:25
(Applause)
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09:30
A professional is a person
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专业人士是比多数人
更了解自己专业知识的人，
09:32
who knows his craft better than most,
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但是没人比你更清楚，
你需要、拥有或想要多少钱，
你需要、拥有或想要多少钱，
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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这意味着你就是专业人士。
09:40
which means you are the professional.
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09:42
Financial literacy is not a skill,
ladies and gentlemen.
ladies and gentlemen.
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财务素养并不是技能，女士们，先生们。
它是一种生活方式。
09:47
It's a lifestyle.
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09:49
Financial stability is a byproduct
of a proper lifestyle.
of a proper lifestyle.
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财务稳定是正确生活方式的副产品。
财务健全的犯人
可以变成一名纳税人，
可以变成一名纳税人，
09:54
A financially sound incarcerated person
can become a taxpaying citizen,
can become a taxpaying citizen,
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09:58
and a financially sound
taxpaying citizen can remain one.
taxpaying citizen can remain one.
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财务健全的纳税人可以
继续做好一名纳税人。
继续做好一名纳税人。
这让我们架起一座桥梁
连结我们能影响的人们：
连结我们能影响的人们：
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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家人，朋友
10:06
family, friends and those young people
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和那些仍然认为
犯罪与金钱分不开的年轻人。
犯罪与金钱分不开的年轻人。
10:09
who still believe
that crime and money are related.
that crime and money are related.
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10:13
So let's lose the fear and anxiety
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所以让我们丢掉对所有金融术语
的恐惧和焦虑，
10:16
of all the big financial words
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也不要管外面听到的那些废话。
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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让我们直奔削弱社会的症结，
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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负起你的责任，
做一个更好的生活管理者。
做一个更好的生活管理者。
10:25
from taking care of your responsibility
to be better life managers.
to be better life managers.
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10:31
And let's provide a simple
and easy to use curriculum
and easy to use curriculum
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让我们提供一个简单易学的课程，
直达核心，
10:34
that gets to the heart, the heart
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理财能力感情教育真正意义的核心。
10:36
of what financial empowerment
and emotional literacy really is.
and emotional literacy really is.
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现在，如果你坐在观众席里说：
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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“哦，好吧，可是，那不是我，我不信，”
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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那就来上我的课——
10:45
then come take my class --
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（笑声）
10:47
(Laughter)
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我会让你看看，
你每一次情绪化会损失多少钱。
你每一次情绪化会损失多少钱。
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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10:53
(Applause)
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（掌声）
10:59
Thank you very much. Thank you.
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非常感谢。谢谢。
（掌声）
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