ABOUT THE SPEAKER
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.

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.

More profile about the speaker
Curtis "Wall Street" Carroll | Speaker | TED.com
TEDxSanQuentin

Curtis "Wall Street" Carroll: How I learned to read -- and trade stocks -- in prison

柯提斯 "華爾街" 卡羅: 我如何在監獄中學會閱讀,以及交易股票

Filmed:
5,811,223 views

金融素養不是一種技能──這是一種生活方式。這句話來自柯提斯 "華爾街" 卡羅。卡羅身為監獄裡的囚犯,深深瞭解一美元所擁有的力量。在監獄裡,他靠自己學習如何閱讀和交易股票,現在他要分享一個簡單而強大的訊息:我們每個人都需要更加瞭解自己的金錢。
- 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

Double-click the English transcript below to play the video.

00:12
I was 14 years年份 old
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當我 14 歲時,
00:15
inside of a bowling保齡球 alley胡同,
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有一次我在保齡球館,
00:16
burglarizingburglarizing an arcade拱廊 game遊戲,
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偷了大型電玩機台裡的錢。
00:19
and upon exiting退出 the building建造
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當我要離開球館時,
00:21
a security安全 guard守衛 grabbed抓起 my arm, so I ran.
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一名警衛抓住了我的手臂,
於是我逃跑了。
00:23
I ran down the street,
and I jumped跳下 on top最佳 of a fence籬笆.
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我跑到大街上,跳上了欄杆。
當我跳到欄杆上時,
00:26
And when I got to the top最佳,
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00:28
the weight重量 of 3,000 quarters住處
in my book bag
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背包裡三千個兩角五分硬幣的重量,
00:30
pulled me back down to the ground地面.
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將我拉倒在地。
當我恢復意識時,警衛低頭看著我,
00:32
So when I came來了 to, the security安全 guard守衛
was standing常設 on top最佳 of me,
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他說:「臭小子,下一次記得
偷你自己搬得動的東西。」
00:35
and he said, "Next下一個 time you little punks小混混
steal something you can carry攜帶."
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(笑)
00:39
(Laughter笑聲)
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00:41
I was taken採取 to juvenile少年 hall大廳
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我被帶到少年隊,
00:43
and when I was released發布
into the custody保管 of my mother母親,
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隨後交由母親帶回時,
00:47
the first words my uncle叔叔 said was,
"How'd你怎麼 you get caught抓住?"
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我叔叔問我的第一句話是:
「你是怎麼被抓的?」
00:50
I said, "Man, the book bag was too heavy."
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我說:「老兄,
因為背包實在太重了。」
00:52
He said, "Man, you weren't supposed應該
to take all the quarters住處."
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他說:「小子,你不應該
把所有的錢都拿走的。」
我說:「老兄,可是錢幣很小啊!
那我應該怎麼做?」
00:55
I said, "Man, they were small.
What am I supposed應該 to do?"
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00:58
And 10 minutes分鐘 later後來, he took me
to burglarizeburglarize another另一個 arcade拱廊 game遊戲.
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10 分鐘之後,
他帶我去偷另一部遊戲機台。
01:03
We needed需要 gas加油站 money to get home.
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因為我們需要錢加油,才能回家。
01:05
That was my life.
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這就是我的人生。
01:07
I grew成長 up in Oakland奧克蘭, California加州,
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我生長在加州奧克蘭,
01:09
with my mother母親 and members會員
of my immediate即時 family家庭
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和我的母親以及沉迷於古柯鹼的親戚
01:11
addicted上癮 to crack裂紋 cocaine可卡因.
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住在一起。
01:13
My environment環境 consisted
of living活的 with family家庭, friends朋友,
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我就在家人、朋友
01:18
and homeless無家可歸 shelters候車亭.
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和遊民收留所間遊蕩著。
01:21
Oftentimes通常情況下, dinner晚餐 was served提供服務
in breadlinesbreadlines and soup kitchens廚房.
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通常我們的晚餐,都得去排隊
領取救濟品和免費餐點。
01:25
The big homie哥們 told me this:
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這個大家庭教導我的是:
金錢統治著這個世界,
01:27
money rules規則 the world世界
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以及當中的所有事物。
01:29
and everything in it.
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01:30
And in these streets街道, money is king國王.
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而在這幾條街上,金錢才是王道。
01:33
And if you follow跟隨 the money,
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如果你追隨著金錢,
01:34
it'll它會 lead you to the bad guy
or the good guy.
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它會引導你成為壞人或是好人。
01:38
Soon不久 after, I committed提交 my first crime犯罪,
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不久之後我犯下了人生第一個案件,
01:40
and it was the first time
that I was told that I had potential潛在
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這是第一次有人告訴我,
我很有潛力,
01:43
and felt like somebody believed相信 in me.
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感覺就像是有人願意相信我。
01:46
Nobody沒有人 ever told me
that I could be a lawyer律師,
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因為從來沒有人告訴過我,
我可能會成為律師、
醫生或工程師。
01:48
doctor醫生 or engineer工程師.
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01:50
I mean, how was I supposed應該 to do that?
I couldn't不能 read, write or spell拼寫.
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我的意思是,什麼是我應該做的?
我不會閱讀、寫字甚至是拼字。
我是個文盲。
01:53
I was illiterate文盲.
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所以我一直認為,
犯罪是我唯一能走的路。
01:54
So I always thought
crime犯罪 was my way to go.
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01:59
And then one day
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後來有一天,
02:01
I was talking to somebody
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我在跟某人聊天時,
02:02
and he was telling告訴 me
about this robbery搶劫 that we could do.
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他告訴我,我們可以去搶劫。
02:06
And we did it.
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而我們真的做了。
02:09
The reality現實 was that I was growing生長 up
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現實就是,雖然我生長在
全球最強大的金融國家──
02:10
in the strongest最強
financial金融 nation國家 in the world世界,
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美利堅合眾國,
02:13
the United聯合的 States狀態 of America美國,
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02:15
while I watched看著 my mother母親
stand in line at a blood血液 bank銀行
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而我卻只能眼睜睜看著母親
排在血庫外的隊伍中,
02:20
to sell her blood血液 for 40 dollars美元
just to try to feed飼料 her kids孩子.
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賣出她的血液賺取 40 美元,
只是為了讓她的孩子有飯吃。
到今天,她的手臂
仍然留著針孔的痕跡,
02:25
She still has the needle marks分數
on her arms武器 to day to show顯示 for that.
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見證著當時那段日子。
02:29
So I never cared照顧 about my community社區.
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所以,我從來不關心我居住的社區。
02:31
They didn't care關心 about my life.
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他們也不關心我的人生。
02:32
Everybody每個人 there was doing what they
were doing to take what they wanted,
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那裡的每個人
都在做他們自己的事情,
以換取他們想要的東西。
無論是毒販、搶匪或是血庫,
02:36
the drug藥物 dealers經銷商,
the robbers劫匪, the blood血液 bank銀行.
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每個人都在賺血腥錢。
02:38
Everybody每個人 was taking服用 blood血液 money.
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所以,我也用
各種必要的手段來賺錢。
02:40
So I got mine by any means手段 necessary必要.
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02:41
I got mine.
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我也賺了血腥錢。
02:43
Financial金融 literacy讀寫能力
really did rule規則 the world世界,
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財務素養的確主宰著這個世界,
02:46
and I was a child兒童 slave奴隸 to it
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而我只是追隨著
這個壞傢伙的童工奴隸之一。
02:48
following以下 the bad guy.
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02:52
At 17 years年份 old, I was arrested被捕
for robbery搶劫 and murder謀殺
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在 17 歲那年,
我因為搶劫殺人被逮捕,
02:55
and I soon不久 learned學到了 that finances財政 in prison監獄
rule規則 more than they did on the streets街道,
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我很快就學到,
財務素養在監獄中,
甚至比在街道上更為重要,
02:59
so I wanted in.
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所以我想要瞭解它。
03:01
One day, I rushed to grab
the sports體育 page of the newspaper報紙
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有一天,我急著想要
搶到報紙的體育版,
03:04
so my celly小區j could read it to me,
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這樣才能讓獄友讀報給我聽,
03:06
and I accidentally偶然
picked採摘的 up the business商業 section部分.
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然而我無意之中拿到了商業版。
03:08
And this old man said,
"Hey youngster青少年, you pick stocks個股?"
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我的老獄友說:
「嘿!小伙子,你會挑選股票嗎?」
03:12
And I said, "What's that?"
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我說:「那是什麼?」
03:13
He said, "That's the place地點
where white白色 folks鄉親 keep all their money."
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他說:「這就是白人
藏著錢的地方。」
(笑聲)
03:16
(Laughter笑聲)
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這是第一次,我看到了希望,
03:17
And it was the first time
that I saw a glimpse一瞥 of hope希望,
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還有未來。
03:21
a future未來.
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03:23
He gave me this brief簡要 description描述
of what stocks個股 were,
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他用簡短的描述,
告訴我什麼是股票,
03:26
but it was just a glimpse一瞥.
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但這也只是驚鴻一瞥。
03:30
I mean, how was I supposed應該 to do it?
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我的意思是,我應該怎麼做?
03:32
I couldn't不能 read, write or spell拼寫.
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我不會閱讀、寫字甚至是拼字。
03:34
The skills技能 that I had developed發達
to hide隱藏 my illiteracy文盲
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過去我已經培養出各種技巧,
來隱藏自己是文盲,
03:37
no longer worked工作 in this environment環境.
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但是在這個環境中,
這些都不再有用。
03:39
I was trapped被困 in a cage,
prey獵物 among其中 predators大鱷,
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我彷彿被困在牢籠裡,
處在一群掠奪者之中,
成為他們的獵物。
03:42
fighting戰鬥 for freedom自由 I never had.
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為從未獲得過的自由而戰鬥。
03:44
I was lost丟失, tired,
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我迷失了,覺得累了,
03:46
and I was out of options選項.
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但我卻束手無策。
03:49
So at 20 years年份 old,
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所以在 20 歲時,
03:50
I did the hardest最難 thing
I'd ever doneDONE in my life.
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我做了一件我生命中
最困難的事情。
03:54
I picked採摘的 up a book,
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我拿起了一本書,開始閱讀。
03:57
and it was the most agonizing折騰
time of my life,
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這是我一生中最痛苦的時光,
04:01
trying to learn學習 how to read,
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我努力學習如何閱讀,
04:03
the ostracizing的放逐 from my family家庭,
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然而我卻被我的家庭、
04:05
the homies兄弟們.
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我的兄弟所排斥。
04:08
It was rough, man.
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這真的很艱難。
這是一場戰爭。
04:09
It was a struggle鬥爭.
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04:11
But little did I know
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但當時我還不知道,
04:12
I was receiving接收 the greatest最大 gifts禮品
I had ever dreamed夢見 of:
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我從中得到夢想中最珍貴的禮物:
04:16
self-worth自我價值,
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自我價值、
04:18
knowledge知識, discipline學科.
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知識、紀律。
04:21
I was so excited興奮 to be reading that I read
everything I could get my hands on:
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閱讀令我感到興奮,
於是我讀了所有能看到的東西:
糖果包裝、服飾商標、
道路標誌,所有的東西。
04:24
candy糖果 wrappers包裝, clothing服裝 logos徽標,
street signs跡象, everything.
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04:28
I was just reading stuff東東!
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我只是拼命地讀!
04:29
(Applause掌聲)
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(鼓掌)
04:30
Just reading stuff東東.
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只是拼命地讀!
04:33
I was so excited興奮 to know how to read
and know how to spell拼寫.
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我很興奮地學習如何閱讀和拼字。
04:36
The homie哥們 came來了 up, said,
"Man, what you eating?"
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有次一位哥們看到我,
他說:「老兄,你在吃什麼?」
我說:「C-A-N-D-Y,糖果。」
04:39
I said, "C-A-N-D-Y糖果, candy糖果."
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04:40
(Laughter笑聲)
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(笑聲)
04:43
He said, "Let me get some."
I said, "N-O沒有. No."
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他說:「給我一些。」
我回答:「N-O,不要。」
04:45
(Laughter笑聲)
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(笑聲)
04:46
It was awesome真棒.
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這實在太棒了。
04:48
I mean, I can actually其實 now
for the first time in my life read.
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我的意思是,
在我人生中第一次能夠閱讀。
04:51
The feeling感覺 that I got
from it was amazing驚人.
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我從閱讀當中得到的感受
是充滿驚奇的。
04:55
And then at 22, feeling感覺 myself,
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到了 22 歲時,我感受到自我,
04:58
feeling感覺 confident信心,
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感受到自信。
05:00
I remembered記得 what the OGOG told me.
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於是我想起了當年老獄友告訴我的。
05:03
So I picked採摘的 up the business商業 section部分
of the newspaper報紙.
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於是我拿起報紙的商業版面,
05:07
I wanted to find these rich豐富 white白色 folks鄉親.
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我試著要找到這些有錢的白人。
05:09
(Laughter笑聲)
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(笑聲)
05:12
So I looked看著 for that glimpse一瞥.
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所以我開始尋找那些蛛絲馬跡。
05:15
As I furthered進一步推動 my career事業
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隨著我進一步發展事業──
05:17
in teaching教學 others其他 how to
financially經濟 manage管理 money and invest投資,
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教導別人如何管理金錢和投資,
05:21
I soon不久 learned學到了 that I had to take
responsibility責任 for my own擁有 actions行動.
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我很快就學到,
我必須為自己的行為負責。
05:24
True真正, I grew成長 up
in a very complex複雜 environment環境,
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的確,我在生長在一個
非常複雜的環境中,
05:27
but I chose選擇 to commit承諾 crimes犯罪,
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但我必須坦白地承認,
05:29
and I had to own擁有 up to that.
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是我自己選擇走上犯罪的道路。
05:31
I had to take responsibility責任
for that, and I did.
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我必須承擔責任,而我做到了。
05:33
I was building建造 a curriculum課程
that could teach incarcerated嵌頓 men男人
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我正在建立一套課程,
要教導監獄裡的犯人
05:36
how to manage管理 money
through通過 prison監獄 employments就業.
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如何藉由監獄的勞動工作進行理財。
05:40
Properly正確 managing管理的 our lifestyle生活方式
would provide提供 transferrable轉讓 tools工具
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學會管理好自己的生活方式,
未來也將成為一個有用的工具,
05:43
that we can use to manage管理 money
when we reenter重新進入 society社會,
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當我們重新回到社會時,
可以用它來管理財務,
05:47
like the majority多數 of people did
who didn't commit承諾 crimes犯罪.
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就像沒有走上犯罪之路的
大多數人所做的理財方式。
05:50
Then I discovered發現
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後來我發現,
05:52
that according根據 to MarketWatch市場觀察,
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根據華爾街日報的市場觀察站,
05:54
over 60 percent百分 of the American美國 population人口
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60% 以上的美國人
05:57
has under 1,000 dollars美元 in savings.
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銀行裡的存款不到 1000 美元。
06:00
Sports體育 Illustrated插圖 said that
over 60 percent百分 of NBANBA players玩家
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美國運動畫刊報導,
超過 60% 的 NBA 球員
06:03
and NFLNFL players玩家 go broke打破.
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與 NFL 球員面臨破產。
06:05
40 percent百分 of marital婚姻 problems問題
derive派生 from financial金融 issues問題.
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其中有 40% 的婚姻問題,
都是來自於經濟問題。
06:09
What the hell地獄?
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到底在搞什麼鬼?
06:10
(Laughter笑聲)
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(笑聲)
06:12
You mean to tell me
that people worked工作 their whole整個 lives生活,
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你的意思是告訴我,
人們工作了一輩子,
06:15
buying購買 cars汽車, clothes衣服,
homes家園 and material材料 stuff東東
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為了購買汽車、衣服、
房子和生活用品,
06:17
but were living活的 check to check?
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卻每個月都把賺來的錢花光?
06:20
How in the world世界 were members會員 of society社會
going to help incarcerated嵌頓 individuals個人
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他們身為社會的一份子,
要如何去協助更生人重回社會,
06:24
back into society社會
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06:25
if they couldn't不能 manage管理 they own擁有 stuff東東?
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如果不懂得管理好自己的財產?
06:28
We screwed.
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我們搞砸了。
06:29
(Laughter笑聲)
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(笑聲)
06:31
I needed需要 a better plan計劃.
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我需要一個更好的計劃。
06:34
This is not going to work out too well.
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現在的方式看起來並不太順利。
06:37
So ...
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所以……
06:39
I thought.
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我想到,
06:43
I now had an obligation義務
to meet遇到 those on the path路徑
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我現在有義務讓更生人
走上正確的道路,
06:48
and help,
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並且協助他們,
這真是瘋狂,
06:49
and it was crazy because
I now cared照顧 about my community社區.
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因為我現在居然會關心我的社區。
06:52
Wow, imagine想像 that.
I cared照顧 about my community社區.
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哇,想像一下,
我居然會關心自己的社區。
06:56
Financial金融 illiteracy文盲 is a disease疾病
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財務素養上的文盲,
就像是一種疾病,
06:58
that has crippled minorities少數民族
and the lower降低 class in our society社會
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會讓社會上的弱勢族群和底層階級,
07:02
for generations and generations,
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世世代代都陷入困境,
07:04
and we should be furious狂怒 about that.
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我們應該對此感到憤怒。
07:06
Ask yourselves你自己 this:
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問自己一個問題:
07:08
How can 50 percent百分
of the American美國 population人口
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為何像美國這樣經濟繁榮的國家,
07:11
be financially經濟 illiterate文盲 in a nation國家
driven驅動 by financial金融 prosperity繁榮?
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還會有 50% 以上的民眾,
對財務素養一無所知?
07:17
Our access訪問 to justice正義, our social社會 status狀態,
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我們的司法正義、我們的社會地位、
07:19
living活的 conditions條件, transportation運輸 and food餐飲
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生活條件、交通和食物都需要金錢,
07:22
are all dependent依賴的 on money
that most people can't manage管理.
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但是大多數人卻不懂得管理財務。
07:26
It's crazy!
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這真是瘋狂!
07:27
It's an epidemic疫情
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這是一種流行病,
07:29
and a bigger danger危險 to public上市 safety安全
than any other issue問題.
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對於公眾安全的危害,
甚至比其他議題更大。
07:33
According根據 to the California加州
Department of Corrections更正,
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根據加州政府矯正部門的統計,
07:36
over 70 percent百分 of those incarcerated嵌頓
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監獄裡的犯人有超過 70%
07:38
have committed提交 or have been charged帶電
with money-related錢有關 crimes犯罪:
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已經犯下或是被起訴的罪名
都與金錢有關:
07:42
robberies搶劫, burglaries盜竊案,
fraud舞弊, larceny盜竊罪, distortion失真 --
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搶劫、竊盜、詐欺、偷竊、勒索──
07:47
and the list名單 goes on.
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還有很多項目。
07:49
Check檢查 this out:
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試想一下:
07:51
a typical典型 incarcerated嵌頓 person
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一位普通的犯人,
07:54
would enter輸入 the California加州 prison監獄 system系統
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進入加州監獄,
07:56
with no financial金融 education教育,
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沒有接受過任何財務方面的教育,
07:58
earn 30 cents an hour小時,
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1976
他每小時賺 30 美分,
08:00
over 800 dollars美元 a year,
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每年賺 800 多美元,
08:03
with no real真實 expenses花費 and save保存 no money.
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沒有任何現金花費,也沒有儲蓄。
08:06
Upon his parole言語, he will be given特定
200 dollars美元 gate money and told,
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在假釋期間,他會拿到 200 美元,
然後被告知:
08:11
"Hey, good luck運氣, stay out of trouble麻煩.
Don't come back to prison監獄."
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「嗨,祝你好運,不要惹麻煩。
別再回來監獄了!」
08:14
With no meaningful富有意義的 preparation製備
or long-term長期 financial金融 plan計劃,
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缺乏有意義的準備,
或是長期財務規劃的情況下,
08:18
what does he do ... ?
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他能做什麼?
08:20
At 60?
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如果他 60 歲了呢?
08:23
Get a good job工作,
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找到一個好工作?
08:24
or go back to the very criminal刑事 behavior行為
that led him to prison監獄 in the first place地點?
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還是回到之前的地方,去從事那些
讓他進監獄的犯罪行為?
08:29
You taxpayers納稅人, you choose選擇.
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你們這些納稅人,你會選擇哪一種?
08:31
Well, his education教育
already已經 chose選擇 for him, probably大概.
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很好,他受的教育
也許已經決定了他的選擇。
08:35
So how do we cure治愈 this disease疾病?
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那麼我們如何治療這種疾病呢?
08:38
I cofounded共同創立 a program程序
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我們共同創立了一個
08:40
that we call Financial金融 Empowerment賦權
Emotional情緒化 Literacy讀寫能力.
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稱為「財務賦權情緒素養」的計畫。
08:44
We call it FEEL,
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簡稱為 FEEL,
08:46
and it teaches how do you separate分離
your emotional情緒化 decisions決定
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它教導你如何將情緒決策
08:49
from your financial金融 decisions決定,
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1976
與財務決策分開,
08:51
and the four timeless永恆 rules規則
to personal個人 finance金融:
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以及四項長期個人理財原則:
08:54
the proper正確 way to save保存,
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一、用適當的方式省錢,
二、控制生活成本,
08:57
control控制 your cost成本 of living活的,
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09:00
borrow money effectively有效
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三、有效率地貸款,
09:02
and diversify多樣化 your finances財政
by allowing允許 your money to work for you
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四、多元化財務收入;
讓你的錢替你工作,
而不是你為了錢而工作。
09:05
instead代替 of you working加工 for it.
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09:07
Incarcerated嵌頓 people need these life skills技能
before we reenter重新進入 society社會.
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囚犯在重新進入社會之前,
需要具備這些生活技能。
09:13
You can't have full充分 rehabilitation復原
without these life skills技能.
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如果沒有這些生活技能,
你就無法完全改過自新。
09:17
This idea理念 that only professionals專業人士
can invest投資 and manage管理 money
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如果你以為只有專業人士
才能進行投資和管理金錢,
09:21
is absolutely絕對 ridiculous荒謬,
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這個想法是荒謬可笑的,
09:23
and whoever told you that is lying說謊.
204
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會這樣告訴你的人,就是在說謊。
09:25
(Applause掌聲)
205
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(掌聲)
09:30
A professional專業的 is a person
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專業人士指的是
09:32
who knows知道 his craft手藝 better than most,
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擁有比大多數人更優秀的能力,
09:35
and nobody沒有人 knows知道 how much money
you need, have or want better than you,
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然而沒有人知道你需要、
擁有或是想要多少錢,
09:40
which哪一個 means手段 you are the professional專業的.
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1960
這意味著你自己就是專業人士。
09:42
Financial金融 literacy讀寫能力 is not a skill技能,
ladies女士們 and gentlemen紳士.
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各位女士、先生,
財務素養並不是一種技能,
09:47
It's a lifestyle生活方式.
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而是一種生活方式。
09:49
Financial金融 stability穩定性 is a byproduct副產品
of a proper正確 lifestyle生活方式.
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財務穩定是適當的
生活方式下的副產品。
09:54
A financially經濟 sound聲音 incarcerated嵌頓 person
can become成為 a taxpaying納稅 citizen公民,
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一位財務健全的囚犯,
未來將會成為一名納稅人,
09:58
and a financially經濟 sound聲音
taxpaying納稅 citizen公民 can remain one.
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而一位財務健全的納稅人,
就會保持納稅人的身分。
10:02
This allows允許 us to create創建 a bridge
between之間 those people who we influence影響:
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這使我們能夠建立起一座橋樑,
連結我們所能夠影響的人:
10:06
family家庭, friends朋友 and those young年輕 people
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那些仍然認為
犯罪和金錢息息相關的
10:09
who still believe
that crime犯罪 and money are related有關.
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家人、朋友和年輕人。
10:13
So let's lose失去 the fear恐懼 and anxiety焦慮
218
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所以讓我們拋下所有對於
財務術語的恐懼和焦慮,
10:16
of all the big financial金融 words
219
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10:18
and all that other nonsense廢話
that you've been out there hearing聽力.
220
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拋下所有那些
你在其他地方聽到的廢話。
10:21
And let's get to the heart
of what's been crippling癱瘓 our society社會
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我們要直指核心,
找出那些正在削弱社會的原因,
10:25
from taking服用 care關心 of your responsibility責任
to be better life managers經理.
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就需要善盡自己的責任,
成為更好的生活管理者。
10:31
And let's provide提供 a simple簡單
and easy簡單 to use curriculum課程
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讓我們提供一個簡單、易學的課程,
10:34
that gets得到 to the heart, the heart
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能打動人心的課程,
10:36
of what financial金融 empowerment權力
and emotional情緒化 literacy讀寫能力 really is.
225
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這才是財務賦權情緒素養的
真正核心價值。
10:40
Now, if you're sitting坐在 out here
in the audience聽眾 and you said,
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現在,如果你正坐在觀眾席,說:
「哦,好吧,那不是我,
我才不買帳。」
10:43
"Oh yeah, well, that ain't me
and I don't buy購買 it,"
227
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那你應該來上我的課──
10:45
then come take my class --
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10:47
(Laughter笑聲)
229
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(笑聲)
10:49
so I can show顯示 you how much money
it costs成本 you every一切 time you get emotional情緒化.
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我可以讓你看到,
你每次激動時,會花費多少錢。
10:53
(Applause掌聲)
231
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(掌聲)
非常感謝大家,謝謝。
10:59
Thank you very much. Thank you.
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11:01
(Applause掌聲)
233
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(掌聲)
Translated by Ting-Chih Liang
Reviewed by Ming Lee

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ABOUT THE SPEAKER
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.

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.

More profile about the speaker
Curtis "Wall Street" Carroll | Speaker | TED.com