TEDxSanQuentin
Curtis "Wall Street" Carroll: How I learned to read -- and trade stocks -- in prison
Curtis 'Wall Street' Carroll: Bagaimana aku belajar membaca -- dan jual-beli saham -- di penjara
Filmed:
Readability: 3.7
5,811,223 views
Kecerdasan keuangan bukanlah ketrampilan -- melainkan gaya hidup. Belajarlah dari Curtis "Wall Street" Carrol. Sebagai seorang tahanan, Carol mengetahui kekuatan uang satu dolar. Selama di penjara, dia belajar membaca dan jual-beli saham, dan sekarang dia berbagi pesan sederhana yang sangat kuat: kita harus lebih mengerti tentang uang kita.
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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Ketika berusia 14 tahun
00:15
inside of a bowling alley,
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di dalam arena bowling,
00:16
burglarizing an arcade game,
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aku membongkar
mesin permainan arcade,
mesin permainan arcade,
00:19
and upon exiting the building
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dan ketika keluar dari gedung
00:21
a security guard grabbed my arm, so I ran.
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penjaga mencekal tanganku,
dan aku pun lari.
dan aku pun lari.
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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Aku lari ke jalan,
dan melompat ke atas pagar.
dan melompat ke atas pagar.
00:26
And when I got to the top,
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Ketika sudah di atas pagar,
00:28
the weight of 3,000 quarters
in my book bag
in my book bag
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berat dari 3.000 buah koin
dalam tasku
dalam tasku
00:30
pulled me back down to the ground.
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membuatku jatuh kembali ke tanah.
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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Saat mau bangun, penjaga sudah
berdiri menindihku,
berdiri menindihku,
00:35
and he said, "Next time you little punks
steal something you can carry."
steal something you can carry."
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dan dia berkata, "Bocah, lain kali
curi sesuatu yang bisa kamu bawa."
curi sesuatu yang bisa kamu bawa."
00:39
(Laughter)
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(Tertawa)
00:41
I was taken to juvenile hall
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Aku dibawa ke pusat
rehabilitasi anak
rehabilitasi anak
00:43
and when I was released
into the custody of my mother,
into the custody of my mother,
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dan kemudian saat
dikembalikan ke ibuku,
dikembalikan ke ibuku,
00:47
the first words my uncle said was,
"How'd you get caught?"
"How'd you get caught?"
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pamanku bertanya, "Kok kamu
bisa tertangkap?"
bisa tertangkap?"
00:50
I said, "Man, the book bag was too heavy."
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Jawabku, "Tasnya terlalu berat".
00:52
He said, "Man, you weren't supposed
to take all the quarters."
to take all the quarters."
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Dia berkata, "Kamu tidak harus mengambil
semua koinnya."
semua koinnya."
Aku bilang, "Koinnya kecil-kecil.
Aku harus bagaimana?
Aku harus bagaimana?
00:55
I said, "Man, they were small.
What am I supposed to do?"
What am I supposed to do?"
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00:58
And 10 minutes later, he took me
to burglarize another arcade game.
to burglarize another arcade game.
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10 menit kemudian, dia mengajakku
membongkar mesin arcade lain.
membongkar mesin arcade lain.
01:03
We needed gas money to get home.
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Kita butuh uang bensin
untuk pulang.
untuk pulang.
01:05
That was my life.
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Itulah kehidupanku dulu.
01:07
I grew up in Oakland, California,
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Aku dibesarkan di Oakland, California,
01:09
with my mother and members
of my immediate family
of my immediate family
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dengan ibuku dan saudara-saudara
dekatku
dekatku
01:11
addicted to crack cocaine.
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yang pecandu kokain.
01:13
My environment consisted
of living with family, friends,
of living with family, friends,
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Lingkunganku mencakup
kehidupan keluarga, teman,
kehidupan keluarga, teman,
01:18
and homeless shelters.
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dan penampungan gelandangan.
01:21
Oftentimes, dinner was served
in breadlines and soup kitchens.
in breadlines and soup kitchens.
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Seringkali, makan malam disajikan dalam
antrean di dapur umum.
antrean di dapur umum.
01:25
The big homie told me this:
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Teman yang sudah besar bilang:
01:27
money rules the world
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uang menguasai dunia
dan apa-apa yang ada di dalamnya.
01:29
and everything in it.
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01:30
And in these streets, money is king.
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Dan di jalanan ini, uang adalah raja.
01:33
And if you follow the money,
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Jika kamu mengikuti uang,
01:34
it'll lead you to the bad guy
or the good guy.
or the good guy.
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dia akan membawamu ke orang jahat
atau ke orang baik.
atau ke orang baik.
01:38
Soon after, I committed my first crime,
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Lalu tak lama, aku melakukan kejahatan
pertamaku,
pertamaku,
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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dan itulah pertama kalinya aku dipuji
punya bakat
punya bakat
01:43
and felt like somebody believed in me.
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dan merasa orang percaya padaku.
01:46
Nobody ever told me
that I could be a lawyer,
that I could be a lawyer,
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Tak pernah ada yang bilang
aku mampu jadi
aku mampu jadi
01:48
doctor or engineer.
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pengacara, dokter atau insinyur.
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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Bagaimana mungkin? Aku tidak bisa
menulis ataupun mengeja.
menulis ataupun mengeja.
01:53
I was illiterate.
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Aku buta huruf.
01:54
So I always thought
crime was my way to go.
crime was my way to go.
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Jadi aku menganggap bahwa kejahatan
adalah jalanku.
adalah jalanku.
01:59
And then one day
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Kemudian suatu hari
02:01
I was talking to somebody
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Aku bicara dengan teman
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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dan dia bicara tentang perampokan
yang dapat kami lakukan.
yang dapat kami lakukan.
02:06
And we did it.
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Dan kami melakukannya.
02:09
The reality was that I was growing up
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Realitasnya, aku dibesarkan
02:10
in the strongest
financial nation in the world,
financial nation in the world,
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di negara dengan keuangan terkuat di
dunia,
dunia,
02:13
the United States of America,
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Amerika Serikat,
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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tatkala aku menyaksikan ibuku
antre di bank darah
antre di bank darah
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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untuk menjual darahnya seharga 40 dolar
untuk memberi makan anak-anaknya.
untuk memberi makan anak-anaknya.
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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Dia masih memiliki bekas jarum di
lengannya saat ini.
lengannya saat ini.
Aku tak pernah peduli
dengan masyarakat.
dengan masyarakat.
02:29
So I never cared about my community.
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02:31
They didn't care about my life.
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Mereka tidak peduli
pada hidupku.
pada hidupku.
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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Setiap orang bekerja untuk mendapatkan apa
yang mereka inginkan,
yang mereka inginkan,
02:36
the drug dealers,
the robbers, the blood bank.
the robbers, the blood bank.
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penjual narkoba, perampok, bank darah.
02:38
Everybody was taking blood money.
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Setiap orang mengambil uang haram.
02:40
So I got mine by any means necessary.
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Jadi aku juga cari uang
dengan segala cara.
dengan segala cara.
02:41
I got mine.
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Untuk dapat uang sendiri.
02:43
Financial literacy
really did rule the world,
really did rule the world,
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Kecerdasan keuangan sungguh
menguasai dunia,
menguasai dunia,
02:46
and I was a child slave to it
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dan aku, anak yang jadi budak uang,
02:48
following the bad guy.
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mengikuti orang jahat.
02:52
At 17 years old, I was arrested
for robbery and murder
for robbery and murder
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Pada usia 17 tahun, aku ditahan karena
perampokan dan pembunuhan
perampokan dan pembunuhan
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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dan aku baru tahu bahwa keuangan
di penjara lebih berkuasa dari di jalanan,
di penjara lebih berkuasa dari di jalanan,
02:59
so I wanted in.
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jadi aku mau terlibat.
Suatu hari, aku buru-buru mengambil
halaman olahraga dari surat kabar
halaman olahraga dari surat kabar
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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untuk dibacakan oleh teman satu sel
03:06
and I accidentally
picked up the business section.
picked up the business section.
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tapi salah mengambil bagian
bisnis.
bisnis.
03:08
And this old man said,
"Hey youngster, you pick stocks?"
"Hey youngster, you pick stocks?"
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Orang tua ini bilang, "Kamu main saham?"
03:12
And I said, "What's that?"
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Aku balik tanya, "Apa itu?"
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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Dia bilang, "Tempat di mana orang
kulit putih menyimpan uangnya."
kulit putih menyimpan uangnya."
03:16
(Laughter)
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(Tertawa)
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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Itu pertama kalinya aku melihat
secercah harapan,
secercah harapan,
03:21
a future.
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masa depan.
03:23
He gave me this brief description
of what stocks were,
of what stocks were,
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Dia menerangkan tentang saham secara
singkat,
singkat,
03:26
but it was just a glimpse.
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tetapi itu hanya sekilas.
03:30
I mean, how was I supposed to do it?
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Apa yang harus kulakukan?
03:32
I couldn't read, write or spell.
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Aku tidak bisa membaca dan menulis.
03:34
The skills that I had developed
to hide my illiteracy
to hide my illiteracy
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Ketrampilan untuk menyembunyikan
buta hurufku
buta hurufku
03:37
no longer worked in this environment.
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tidak bermanfaat di sini.
03:39
I was trapped in a cage,
prey among predators,
prey among predators,
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Aku terperangkap di sel,
mangsa di antara predator,
mangsa di antara predator,
03:42
fighting for freedom I never had.
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meraih kebebasan yang tidak mungkin.
03:44
I was lost, tired,
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Aku kalah, lelah,
03:46
and I was out of options.
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tidak punya pilihan.
03:49
So at 20 years old,
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Pada usia 20 tahun,
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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aku melakukan hal tersulit dalam hidup.
03:54
I picked up a book,
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Aku mengambil buku,
03:57
and it was the most agonizing
time of my life,
time of my life,
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itulah saat yang paling menyiksa
dalam hidupku,
dalam hidupku,
04:01
trying to learn how to read,
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mencoba belajar membaca,
04:03
the ostracizing from my family,
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dikucilkan dari keluarga,
04:05
the homies.
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teman satu geng.
04:08
It was rough, man.
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Sangat sulit.
04:09
It was a struggle.
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Betul-betul perjuangan.
04:11
But little did I know
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Tapi yang tidak aku tahu
04:12
I was receiving the greatest gifts
I had ever dreamed of:
I had ever dreamed of:
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aku mendapat hadiah terbesar yang pernah
kumimpikan:
kumimpikan:
04:16
self-worth,
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harga diri,
04:18
knowledge, discipline.
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pengetahuan, disiplin.
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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Aku bersemangat membaca, aku membaca
apapun yang dapat kuperoleh:
apapun yang dapat kuperoleh:
04:24
candy wrappers, clothing logos,
street signs, everything.
street signs, everything.
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bungkus permen, logo kaos, marka jalan,
semuanya.
semuanya.
04:28
I was just reading stuff!
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Aku jadi mesin baca!
04:29
(Applause)
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(Tepuk tangan)
04:30
Just reading stuff.
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Baca semuanya.
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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Aku senang sekali bisa membaca dan
bisa mengeja.
bisa mengeja.
04:36
The homie came up, said,
"Man, what you eating?"
"Man, what you eating?"
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Teman sel datang, bilang
"Apa yang kamu makan?"
"Apa yang kamu makan?"
04:39
I said, "C-A-N-D-Y, candy."
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Aku bilang, "C-A-N-D-Y", candy,"
04:40
(Laughter)
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(Tertawa)
04:43
He said, "Let me get some."
I said, "N-O. No."
I said, "N-O. No."
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Dia berkata, "Minta dong."
Aku bilang, "N-O. No."
Aku bilang, "N-O. No."
04:45
(Laughter)
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(Tertawa)
04:46
It was awesome.
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Hebat banget.
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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Seumur-umur,
itu pertama kalinya aku membaca.
itu pertama kalinya aku membaca.
04:51
The feeling that I got
from it was amazing.
from it was amazing.
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Perasaan yang aku dapat sangat
luar biasa.
luar biasa.
04:55
And then at 22, feeling myself,
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Pada usia 22 tahun,
merasa ada
merasa ada
04:58
feeling confident,
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percaya diri,
05:00
I remembered what the OG told me.
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aku ingat bahwa apa yang OG bilang.
05:03
So I picked up the business section
of the newspaper.
of the newspaper.
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Jadi aku mengambil bagian bisnis dari
surat kabar.
surat kabar.
05:07
I wanted to find these rich white folks.
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Aku ingin menemukan kulit putih kaya.
05:09
(Laughter)
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(Tertawa)
05:12
So I looked for that glimpse.
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Jadi aku lihat sekilas.
05:15
As I furthered my career
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Selagi aku mengembangkan karir
05:17
in teaching others how to
financially manage money and invest,
financially manage money and invest,
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mengajarkan yang lain cara mengelola
uang dan saham,
uang dan saham,
05:21
I soon learned that I had to take
responsibility for my own actions.
responsibility for my own actions.
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aku belajar bahwa aku harus bertanggung
jawab atas perbuatanku.
jawab atas perbuatanku.
05:24
True, I grew up
in a very complex environment,
in a very complex environment,
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Ya, aku dibesarkan dalam lingkungan
yang sangat kompleks,
yang sangat kompleks,
05:27
but I chose to commit crimes,
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tapi aku memilih melakukan kejahatan,
05:29
and I had to own up to that.
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dan aku harus mengakuinya.
05:31
I had to take responsibility
for that, and I did.
for that, and I did.
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Aku sudah bertanggung jawab terhadap
hal tersebut.
hal tersebut.
05:33
I was building a curriculum
that could teach incarcerated men
that could teach incarcerated men
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Aku mengembangkan kurikulum yang dapat
mengajar para tahanan
mengajar para tahanan
05:36
how to manage money
through prison employments.
through prison employments.
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bagaimana mengelola keuangan di penjara.
05:40
Properly managing our lifestyle
would provide transferrable tools
would provide transferrable tools
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Dengan mengatur gaya hidup, kita akan
memiliki sarana transfer
memiliki sarana transfer
05:43
that we can use to manage money
when we reenter society,
when we reenter society,
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yang dapat digunakan untuk mengelola uang
saat kembali ke masyarakat,
saat kembali ke masyarakat,
05:47
like the majority of people did
who didn't commit crimes.
who didn't commit crimes.
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seperti kebanyakan orang yang tidak
melakukan kejahatan.
melakukan kejahatan.
05:50
Then I discovered
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Lalu aku menemukan
05:52
that according to MarketWatch,
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bahwa menurut MarketWatch,
05:54
over 60 percent of the American population
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lebih dari 60 persen populasi Amerika
05:57
has under 1,000 dollars in savings.
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hanya punya tabungan kurang dari
1.000 dolar,
1.000 dolar,
06:00
Sports Illustrated said that
over 60 percent of NBA players
over 60 percent of NBA players
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Sport Illustrated berkata bahwa lebih dari
60 persen pemain NBA
60 persen pemain NBA
06:03
and NFL players go broke.
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dan pemain NFL bangkrut.
06:05
40 percent of marital problems
derive from financial issues.
derive from financial issues.
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40 persen masalah pernikahan berasal
dari masalah keuangan.
dari masalah keuangan.
06:09
What the hell?
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Apa yang terjadi?
06:10
(Laughter)
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(Tertawa)
06:12
You mean to tell me
that people worked their whole lives,
that people worked their whole lives,
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Anda akan bilang bahwa semua orang
bekerja seumur hidup,
bekerja seumur hidup,
06:15
buying cars, clothes,
homes and material stuff
homes and material stuff
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beli mobil, baju, rumah dan barang-barang
06:17
but were living check to check?
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tapi hidup pas-pasan?
Bagaimana anggota masyarakat akan membantu
para tahanan
para tahanan
06:20
How in the world were members of society
going to help incarcerated individuals
going to help incarcerated individuals
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kembali ke masyarakat
06:24
back into society
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padahal mereka sendiri tidak bisa
mengatur uangnya?
mengatur uangnya?
06:25
if they couldn't manage they own stuff?
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06:28
We screwed.
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Gawat kita.
06:29
(Laughter)
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(Tertawa)
06:31
I needed a better plan.
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Aku perlu rencana lebih baik.
06:34
This is not going to work out too well.
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Begini tidak akan berhasil dengan baik.
06:37
So ...
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Jadi ...
06:39
I thought.
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Aku berpikir,
06:43
I now had an obligation
to meet those on the path
to meet those on the path
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Aku harus menemui mereka
yang ada di jalur itu
yang ada di jalur itu
06:48
and help,
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untuk membantu,
06:49
and it was crazy because
I now cared about my community.
I now cared about my community.
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ini gila karena sekarang aku peduli
dengan masyarakat.
dengan masyarakat.
06:52
Wow, imagine that.
I cared about my community.
I cared about my community.
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Wow, bayangkan.
Aku peduli dengan masyarakat.
Aku peduli dengan masyarakat.
06:56
Financial illiteracy is a disease
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Ketidakcerdasan keuangan adalah penyakit
yang melumpuhkan minoritas dan
orang miskin dalam masyarakat kita
orang miskin dalam masyarakat kita
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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dari generasi ke generasi,
07:04
and we should be furious about that.
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dan kita harus geram terhadapnya.
07:06
Ask yourselves this:
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Tanya diri Anda sendiri:
07:08
How can 50 percent
of the American population
of the American population
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Bagaimana bisa 50 persen
populasi Amerika
populasi Amerika
07:11
be financially illiterate in a nation
driven by financial prosperity?
driven by financial prosperity?
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buta keuangan dalam negara yang
dikendalikan dengan kekuataan uang?
dikendalikan dengan kekuataan uang?
07:17
Our access to justice, our social status,
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Kesuksesan kita untuk keadilan, status
sosial,
sosial,
07:19
living conditions, transportation and food
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kondisi hidup, transportasi dan makanan
07:22
are all dependent on money
that most people can't manage.
that most people can't manage.
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bergantung pada uang, yang banyak
orang tidak dapat mengelolanya.
orang tidak dapat mengelolanya.
07:26
It's crazy!
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Ini gila!
07:27
It's an epidemic
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Ini sebuah epidemi
07:29
and a bigger danger to public safety
than any other issue.
than any other issue.
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dan bahaya besar bagi keselamatan publik
dibandingkan masalah lain.
dibandingkan masalah lain.
07:33
According to the California
Department of Corrections,
Department of Corrections,
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Menurut Departemen Pemasyarakatan
California,
California,
07:36
over 70 percent of those incarcerated
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lebih dari 70 persen tahanan
07:38
have committed or have been charged
with money-related crimes:
with money-related crimes:
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telah melakukan atau didakwa
atas kejahatan terkait uang:
atas kejahatan terkait uang:
07:42
robberies, burglaries,
fraud, larceny, distortion --
fraud, larceny, distortion --
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pencurian, perampokan, penipuan,
pemerasan --
pemerasan --
07:47
and the list goes on.
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panjang daftarnya.
07:49
Check this out:
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Lihat ini:
07:51
a typical incarcerated person
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ciri khusus tahanan yang
07:54
would enter the California prison system
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akan memasuki rumah tahanan California
07:56
with no financial education,
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tanpa pendidikan keuangan,
07:58
earn 30 cents an hour,
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memiliki gaji 30 sen sejam,
08:00
over 800 dollars a year,
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lebih dari 800 dolar setahun,
08:03
with no real expenses and save no money.
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tanpa pengeluaran dan tidak menabung.
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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Saat bebas, dia akan menerima 200 dolar
dan dikatakan,
dan dikatakan,
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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"Selamat, jauhi masalah. Jangan kembali
ke penjara."
ke penjara."
08:14
With no meaningful preparation
or long-term financial plan,
or long-term financial plan,
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Tanpa persiapan yang matang atau
perencanaan keuangan jangka panjang,
perencanaan keuangan jangka panjang,
08:18
what does he do ... ?
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apa yang akan dilakukannya ... ?
08:20
At 60?
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Pada usia 60 tahun?
08:23
Get a good job,
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Dapat pekerjaan yang layak,
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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atau kembali ke perilaku kejahatan yang
dulu memenjarakannya?
dulu memenjarakannya?
08:29
You taxpayers, you choose.
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Kalian pembayar pajak, coba pilih.
08:31
Well, his education
already chose for him, probably.
already chose for him, probably.
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Mungkin pendidikannya sudah memilihnya.
08:35
So how do we cure this disease?
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Bagaimana kita menyembuhkan penyakit ini?
08:38
I cofounded a program
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Aku membantu membuat program
08:40
that we call Financial Empowerment
Emotional Literacy.
Emotional Literacy.
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yang kami sebut Financial Empowerment
Emotional Literacy.
Emotional Literacy.
08:44
We call it FEEL,
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Kami menyebutnya FEEL,
08:46
and it teaches how do you separate
your emotional decisions
your emotional decisions
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Ini mengajar bagaimana Anda memisahkan
keputusan emosional Anda
keputusan emosional Anda
08:49
from your financial decisions,
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dari keputusan keuangan Anda,
08:51
and the four timeless rules
to personal finance:
to personal finance:
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dan empat aturan abadi untuk keuangan
pribadi:
pribadi:
08:54
the proper way to save,
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cara menabung yang benar,
08:57
control your cost of living,
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mengendalikan biaya hidup,
09:00
borrow money effectively
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meminjam uang secara efektif
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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dan diversifikasikan uang Anda dengan
membuat uanglah yang bekerja untuk Anda
membuat uanglah yang bekerja untuk Anda
09:05
instead of you working for it.
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bukan Anda yang bekerja mencari uang.
09:07
Incarcerated people need these life skills
before we reenter society.
before we reenter society.
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Tahanan perlu ketrampilan hidup ini
sebelum kembali ke masyarakat.
sebelum kembali ke masyarakat.
09:13
You can't have full rehabilitation
without these life skills.
without these life skills.
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Anda tidak akan bisa mendapatkan
rehabilitasi penuh tanpa ketrampilan ini.
rehabilitasi penuh tanpa ketrampilan ini.
09:17
This idea that only professionals
can invest and manage money
can invest and manage money
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Ide bahwa hanya profesional yang dapat
berinvestasi dan mengatur uang
berinvestasi dan mengatur uang
09:21
is absolutely ridiculous,
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sangatlah konyol,
09:23
and whoever told you that is lying.
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dan siapapun yang mengatakan
hal itu, dia bohong.
hal itu, dia bohong.
09:25
(Applause)
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(Tepuk tangan)
09:30
A professional is a person
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Profesional adalah seorang
09:32
who knows his craft better than most,
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yang tahu hasil karyanya lebih baik dari
kebanyakan,
kebanyakan,
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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Andalah yang paling tahu berapa banyak
uang yang kamu butuhkan atau inginkan,
uang yang kamu butuhkan atau inginkan,
09:40
which means you are the professional.
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yang artinya Anda profesional.
09:42
Financial literacy is not a skill,
ladies and gentlemen.
ladies and gentlemen.
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Bapak-bapak dan ibu-ibu, kecerdasan
keuangan bukan sebuah ketrampilan.
keuangan bukan sebuah ketrampilan.
09:47
It's a lifestyle.
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Melainkan gaya hidup.
09:49
Financial stability is a byproduct
of a proper lifestyle.
of a proper lifestyle.
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Kestabilan keuangan ada produk sampingan
dari gaya hidup yang benar.
dari gaya hidup yang benar.
09:54
A financially sound incarcerated person
can become a taxpaying citizen,
can become a taxpaying citizen,
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Tahanan yang mampu bisa menjadi
pembayar pajak,
pembayar pajak,
09:58
and a financially sound
taxpaying citizen can remain one.
taxpaying citizen can remain one.
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dan warga negara pembayar pajak dapat
terus jadi pembayar pajak.
terus jadi pembayar pajak.
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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Hal ini memungkinkan kita membuat jembatan
antara orang yang kita pengaruhi:
antara orang yang kita pengaruhi:
10:06
family, friends and those young people
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keluarga, teman dan generasi muda
10:09
who still believe
that crime and money are related.
that crime and money are related.
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yang masih percaya bahwa kejahatan dan
uang berhubungan.
uang berhubungan.
10:13
So let's lose the fear and anxiety
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Jadi hilangkan ketakutan dan kecemasan
10:16
of all the big financial words
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dari semua kata-kata keuangan
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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dan semua omong kosong yang
pernah Anda dengar.
pernah Anda dengar.
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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Mari kita ke penyebab utama yang
menghalangi masyarakat kita
menghalangi masyarakat kita
10:25
from taking care of your responsibility
to be better life managers.
to be better life managers.
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untuk memikul tanggung jawab Anda
dalam menjadi manajer hidup yang baik.
dalam menjadi manajer hidup yang baik.
10:31
And let's provide a simple
and easy to use curriculum
and easy to use curriculum
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Dan mari buat kurikulum yang sederhana
dan mudah digunakan
dan mudah digunakan
10:34
that gets to the heart, the heart
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yang menyasar ke pusat,
pusat dari pemberdayaan keuangan dan
kecerdasan emosional sesungguhnya.
kecerdasan emosional sesungguhnya.
10:36
of what financial empowerment
and emotional literacy really is.
and emotional literacy really is.
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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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Sekarang, jika Anda duduk di kursi
penonton dan Anda bilang,
penonton dan Anda bilang,
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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"Oh ya, itu bukan aku dan aku tidak
percaya itu,"
percaya itu,"
10:45
then come take my class --
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ayo ikuti kelasku...
10:47
(Laughter)
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(Tertawa)
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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Aku akan perlihatkan berapa banyak uang
dikeluarkan bila Anda emosi.
dikeluarkan bila Anda emosi.
10:53
(Applause)
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(Tepuk tangan)
10:59
Thank you very much. Thank you.
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Terima kasih. Terima kasih.
11:01
(Applause)
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(Tepuk tangan)
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