TEDxSanQuentin
Curtis "Wall Street" Carroll: How I learned to read -- and trade stocks -- in prison
Curtis 'Wall Street' Carroll: Bagaimana saya belajar membaca -- dan labur saham -- di penjara
Filmed:
Readability: 3.7
5,811,223 views
Celik Kewangan bukan kemahiran -- ia gaya hidup. Belajar dari Curtis "Wall Street" Carroll. Sebagai seorang banduan, Caroll tahu kuasa wang. Ketika di penjara, dia belajar sendiri membaca dan melabur saham dan sekarang beliau berkongsi mesej yang ringkas dan padu: Kita semua harus lebih cekap urus wang.
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
0
960
2056
Umur saya 14 tahun
00:15
inside of a bowling alley,
1
3040
1576
di sebuah pusat boling,
00:16
burglarizing an arcade game,
2
4640
1760
pecah masuk sebuah pusat permainan.
00:19
and upon exiting the building
3
7200
1776
Keluar bangunan,
00:21
a security guard grabbed my arm, so I ran.
4
9000
2200
seorang pengawal
tarik tangan saya, lalu saya lari.
tarik tangan saya, lalu saya lari.
00:23
I ran down the street,
and I jumped on top of a fence.
and I jumped on top of a fence.
5
11760
2976
Saya lari ke hujung jalan,
dan lompat ke atas pagar.
dan lompat ke atas pagar.
00:26
And when I got to the top,
6
14760
1616
Bila di atas pagar,
00:28
the weight of 3,000 quarters
in my book bag
in my book bag
7
16400
2176
berat 3,000 syiling dalam beg
00:30
pulled me back down to the ground.
8
18600
1640
menarik saya jatuh ke tanah.
00:32
So when I came to, the security guard
was standing on top of me,
was standing on top of me,
9
20880
3056
Ketika bangun, pengawal keselamatan
diri atas saya dan berkata
diri atas saya dan berkata
00:35
and he said, "Next time you little punks
steal something you can carry."
steal something you can carry."
10
23960
3416
"Lain kali kau nak curi,
curi barang yang boleh pikul.
curi barang yang boleh pikul.
00:39
(Laughter)
11
27400
2016
(Gelak)
00:41
I was taken to juvenile hall
12
29440
2136
Saya di bawa ke mahkamah juvenil
00:43
and when I was released
into the custody of my mother,
into the custody of my mother,
13
31600
2560
dan saat dibebaskan
ke pangkuan ibu saya,
ke pangkuan ibu saya,
00:47
the first words my uncle said was,
"How'd you get caught?"
"How'd you get caught?"
14
35080
2976
ayat pertama pakcik saya cakap
"Macam mana boleh ditangkap?"
"Macam mana boleh ditangkap?"
00:50
I said, "Man, the book bag was too heavy."
15
38080
2176
Saya jawab, "Beg itu berat sangat."
00:52
He said, "Man, you weren't supposed
to take all the quarters."
to take all the quarters."
16
40280
2936
Dia balas, " Jangan
ambil semua syiling."
ambil semua syiling."
00:55
I said, "Man, they were small.
What am I supposed to do?"
What am I supposed to do?"
17
43240
2816
Jawab saya, "Duit itu kecil.
Nak buat macam mana?"
Nak buat macam mana?"
00:58
And 10 minutes later, he took me
to burglarize another arcade game.
to burglarize another arcade game.
18
46080
4896
10 minit kemudian,dia bawa saya
pecah masuk pusat permainan lain.
pecah masuk pusat permainan lain.
01:03
We needed gas money to get home.
19
51000
1640
Kami perlu duit minyak untuk pulang.
01:05
That was my life.
20
53280
1200
Itulah hidup saya.
01:07
I grew up in Oakland, California,
21
55440
1856
Saya membesar di Oakland, California,
01:09
with my mother and members
of my immediate family
of my immediate family
22
57320
2336
bersama ibu dan keluarga terdekat
01:11
addicted to crack cocaine.
23
59680
1240
yang ketagih dadah kokain.
01:13
My environment consisted
of living with family, friends,
of living with family, friends,
24
61560
4440
Persekitaran saya adalah hidup dengan
keluarga, kawan
keluarga, kawan
01:18
and homeless shelters.
25
66960
1600
dan pusat gelandangan.
01:21
Oftentimes, dinner was served
in breadlines and soup kitchens.
in breadlines and soup kitchens.
26
69040
3680
Seringkali makan malam dihidang di barisan
agihan makanan dan dapur umum.
agihan makanan dan dapur umum.
01:25
The big homie told me this:
27
73440
1856
Gelandangan beritahu saya ini:
01:27
money rules the world
28
75320
1976
wang menguasai dunia
01:29
and everything in it.
29
77320
1216
dan isinya.
01:30
And in these streets, money is king.
30
78560
2080
Di kawasan ini, wang adalah raja.
01:33
And if you follow the money,
31
81320
1616
Jika kau ikut wang,
01:34
it'll lead you to the bad guy
or the good guy.
or the good guy.
32
82960
2520
ia bawa kepada orang jahat
atau baik.
atau baik.
01:38
Soon after, I committed my first crime,
33
86080
2536
Tak lama lepas itu,
saya lakukan jenayah pertama
saya lakukan jenayah pertama
01:40
and it was the first time
that I was told that I had potential
that I was told that I had potential
34
88640
2976
dan itulah kali pertama
seseorang beritahu saya berpotensi
seseorang beritahu saya berpotensi
01:43
and felt like somebody believed in me.
35
91640
1840
dan rasa ada orang percaya pada saya.
Tak siapa pernah beritahu saya
boleh jadi peguam,
boleh jadi peguam,
01:46
Nobody ever told me
that I could be a lawyer,
that I could be a lawyer,
36
94240
2136
01:48
doctor or engineer.
37
96400
1656
doktor atau jurutera.
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.
38
98080
3416
Macam mana nak jadi?
Saya tak tahu baca, tulis atau eja.
Saya tak tahu baca, tulis atau eja.
01:53
I was illiterate.
39
101520
1216
Saya buta huruf.
01:54
So I always thought
crime was my way to go.
crime was my way to go.
40
102760
2560
Jadi saya selalu fikir
jenayah adalah cara hidup saya.
jenayah adalah cara hidup saya.
01:59
And then one day
41
107480
1696
Satu hari,
02:01
I was talking to somebody
42
109200
1256
saya berbual dengan seseorang
02:02
and he was telling me
about this robbery that we could do.
about this robbery that we could do.
43
110480
3600
dan dia beritahu tentang satu rompakan
yang kami boleh buat.
yang kami boleh buat.
02:06
And we did it.
44
114760
1200
Kami pun lakukannya.
02:09
The reality was that I was growing up
45
117080
1816
Realitinya, saya membesar
02:10
in the strongest
financial nation in the world,
financial nation in the world,
46
118920
2216
dalam negara paling kukuh
kewangannya di dunia,
kewangannya di dunia,
02:13
the United States of America,
47
121160
1856
Amerika Syarikat,
02:15
while I watched my mother
stand in line at a blood bank
stand in line at a blood bank
48
123040
4080
sementara melihat ibu saya
beratur di pusat darah
beratur di pusat darah
02:20
to sell her blood for 40 dollars
just to try to feed her kids.
just to try to feed her kids.
49
128680
3680
menjual darahnya untuk $40
semata-mata untuk beri anak makan.
semata-mata untuk beri anak makan.
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.
50
133320
3320
Kesan jarum di tangannya
masih kekal hingga kini.
masih kekal hingga kini.
02:29
So I never cared about my community.
51
137480
1736
Saya tak kisah tentang masyarakat.
02:31
They didn't care about my life.
52
139240
1496
Mereka tak kisah tentang saya.
02:32
Everybody there was doing what they
were doing to take what they wanted,
were doing to take what they wanted,
53
140760
3416
Semua di sana buat sesuka hati,
ambil sesuka hati.
ambil sesuka hati.
02:36
the drug dealers,
the robbers, the blood bank.
the robbers, the blood bank.
54
144200
2176
pengedar dadah, perompak, pusat darah.
02:38
Everybody was taking blood money.
55
146400
1616
Semuanya ambil duit yang berdarah.
02:40
So I got mine by any means necessary.
56
148040
1896
Jadi, saya dapatkan wang
apa cara pun.
apa cara pun.
02:41
I got mine.
57
149960
1576
Saya dapatkan wang saya.
02:43
Financial literacy
really did rule the world,
really did rule the world,
58
151560
2120
Celik kewangan memang menguasai dunia
02:46
and I was a child slave to it
59
154680
1976
dan saya hamba kanak-kanak
02:48
following the bad guy.
60
156680
1240
yang mengikuti orang jahat.
02:52
At 17 years old, I was arrested
for robbery and murder
for robbery and murder
61
160280
3176
Umur 17 tahun, saya ditahan
kerana merompak dan membunuh
kerana merompak dan membunuh
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,
62
163480
3976
dan saya dapati kewangan di penjara
lebih berkuasa dari di jalanan
lebih berkuasa dari di jalanan
02:59
so I wanted in.
63
167480
1200
jadi saya nak masuk sana.
03:01
One day, I rushed to grab
the sports page of the newspaper
the sports page of the newspaper
64
169600
3056
Satu hari, saya berebut helaian sukan
dalam surat khabar
dalam surat khabar
03:04
so my celly could read it to me,
65
172680
1816
supaya rakan sel boleh bacakan,
03:06
and I accidentally
picked up the business section.
picked up the business section.
66
174520
2416
saya terambil bahagian perniagaan.
03:08
And this old man said,
"Hey youngster, you pick stocks?"
"Hey youngster, you pick stocks?"
67
176960
3256
Seorang lelaki tua tegur,
"Eh anak muda, awak melabur saham?"
"Eh anak muda, awak melabur saham?"
03:12
And I said, "What's that?"
68
180240
1256
Jawab saya,
"Apa itu?"
"Apa itu?"
03:13
He said, "That's the place
where white folks keep all their money."
where white folks keep all their money."
69
181520
3176
Balas beliau, "Itulah tempat
orang putih simpan duit."
orang putih simpan duit."
03:16
(Laughter)
70
184720
1216
(Ketawa)
03:17
And it was the first time
that I saw a glimpse of hope,
that I saw a glimpse of hope,
71
185960
3856
Itulah kali pertama saya nampak
sedikit harapan
sedikit harapan
03:21
a future.
72
189840
1496
masa depan.
03:23
He gave me this brief description
of what stocks were,
of what stocks were,
73
191360
2600
Dia beritahu secara ringkas
tentang saham,
tentang saham,
03:26
but it was just a glimpse.
74
194800
1440
namun hanya sikit sahaja.
03:30
I mean, how was I supposed to do it?
75
198360
1776
Macam mana saya nak buat?
03:32
I couldn't read, write or spell.
76
200160
1760
Saya tak boleh baca, tulis atau eja.
Kemahiran yang saya ada
untuk tutup kelemahan buta huruf
untuk tutup kelemahan buta huruf
03:34
The skills that I had developed
to hide my illiteracy
to hide my illiteracy
77
202600
2616
03:37
no longer worked in this environment.
78
205240
1976
tak berkesan lagi dalam dunia ini.
03:39
I was trapped in a cage,
prey among predators,
prey among predators,
79
207240
3096
Saya terperangkap dalam penjara,
mangsa kepada pemangsa,
mangsa kepada pemangsa,
03:42
fighting for freedom I never had.
80
210360
1896
berjuang untuk kebebasan yang hilang.
03:44
I was lost, tired,
81
212280
2176
Saya sesat, penat
03:46
and I was out of options.
82
214480
1360
dan tiada pilihan.
03:49
So at 20 years old,
83
217000
1776
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.
84
218800
2520
saya buat perkara paling sukar
seumur hidup saya.
seumur hidup saya.
03:54
I picked up a book,
85
222160
1200
Saya ambil sebuah buku,
03:57
and it was the most agonizing
time of my life,
time of my life,
86
225400
2480
dan ia saat paling menyakitkan
dalam hidup saya,
dalam hidup saya,
04:01
trying to learn how to read,
87
229320
1816
cuba belajar membaca,
04:03
the ostracizing from my family,
88
231160
2616
diperkecilkan oleh keluarga,
04:05
the homies.
89
233800
1200
gelandangan.
04:08
It was rough, man.
90
236280
1456
Sangat sukar.
04:09
It was a struggle.
91
237760
1376
Saya bergelut.
04:11
But little did I know
92
239160
1696
Namun saya tak tahu
04:12
I was receiving the greatest gifts
I had ever dreamed of:
I had ever dreamed of:
93
240880
3416
Saya dapat
hadiah paling berharga pernah diimpikan
hadiah paling berharga pernah diimpikan
04:16
self-worth,
94
244320
1200
nilai diri,
04:18
knowledge, discipline.
95
246320
1840
ilmu, 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:
96
249000
3696
Saya sangat teruja membaca
hingga saya baca semua yang saya pegang:
hingga saya baca semua yang saya pegang:
04:24
candy wrappers, clothing logos,
street signs, everything.
street signs, everything.
97
252720
3335
pembalut gula-gula, lencana baju,
papan tanda, semuanya.
papan tanda, semuanya.
04:28
I was just reading stuff!
98
256079
1217
Saya hanya membaca!
04:29
(Applause)
99
257320
1016
(Tepukan)
04:30
Just reading stuff.
100
258360
1200
Hanya membaca.
04:33
I was so excited to know how to read
and know how to spell.
and know how to spell.
101
261360
2800
Saya amat teruja
tahu membaca dan mengeja.
tahu membaca dan mengeja.
04:36
The homie came up, said,
"Man, what you eating?"
"Man, what you eating?"
102
264720
2256
Orang datang bertanya,
"Makan apa itu?"
"Makan apa itu?"
04:39
I said, "C-A-N-D-Y, candy."
103
267000
1736
Saya jawab, "G-U-L-A, gula."
04:40
(Laughter)
104
268760
2256
(Ketawa)
04:43
He said, "Let me get some."
I said, "N-O. No."
I said, "N-O. No."
105
271040
2496
Dia cakap, "Minta sikit."
Saya jawab, "T-A-K. Tak."
Saya jawab, "T-A-K. Tak."
04:45
(Laughter)
106
273560
1216
(Ketawa)
04:46
It was awesome.
107
274800
1416
Seronok sangat.
04:48
I mean, I can actually now
for the first time in my life read.
for the first time in my life read.
108
276240
3176
Kali pertama membaca dalam hidup saya.
04:51
The feeling that I got
from it was amazing.
from it was amazing.
109
279440
2040
Perasaan yang saya dapat menakjubkan.
04:55
And then at 22, feeling myself,
110
283240
2600
Kemudian, di usia 22 tahun,
rasa bersemangat
rasa bersemangat
04:58
feeling confident,
111
286800
1736
rasa yakin,
05:00
I remembered what the OG told me.
112
288560
1840
saya teringat kata-kata orang tua itu.
05:03
So I picked up the business section
of the newspaper.
of the newspaper.
113
291760
3736
Lalu, saya ambil bahagian perniagaan
dalam akhbar
dalam akhbar
05:07
I wanted to find these rich white folks.
114
295520
1936
Saya nak cari orang kaya kulit putih.
05:09
(Laughter)
115
297480
1600
(Ketawa)
05:12
So I looked for that glimpse.
116
300520
1920
Jadi saya cari harapan di situ.
05:15
As I furthered my career
117
303480
1616
Semakin saya kembangkan kerjaya
05:17
in teaching others how to
financially manage money and invest,
financially manage money and invest,
118
305120
3856
mengajar orang mengurus wang dan melabur,
05:21
I soon learned that I had to take
responsibility for my own actions.
responsibility for my own actions.
119
309000
3336
saya sedar saya perlu bertanggungjawab
terhadap tindakan saya.
terhadap tindakan saya.
05:24
True, I grew up
in a very complex environment,
in a very complex environment,
120
312360
3016
Benar, saya dibesarkan
dalam persekitaran yang rumit.
dalam persekitaran yang rumit.
05:27
but I chose to commit crimes,
121
315400
1936
namun saya pilih untuk
lakukan jenayah
lakukan jenayah
05:29
and I had to own up to that.
122
317360
1776
dan saya perlu bertanggungjawab.
05:31
I had to take responsibility
for that, and I did.
for that, and I did.
123
319160
2616
Saya perlu bertanggungjawab
dan saya lakukannya.
dan saya lakukannya.
05:33
I was building a curriculum
that could teach incarcerated men
that could teach incarcerated men
124
321800
2896
Saya membina kurikulum untuk
ajar banduan
ajar banduan
05:36
how to manage money
through prison employments.
through prison employments.
125
324720
2280
urus wang
melalui pekerjaan di penjara.
melalui pekerjaan di penjara.
05:40
Properly managing our lifestyle
would provide transferrable tools
would provide transferrable tools
126
328720
3176
Urus gaya hidup dengan betul
dapat beri alat yang boleh dipindah
dapat beri alat yang boleh dipindah
05:43
that we can use to manage money
when we reenter society,
when we reenter society,
127
331920
3336
yang boleh guna untuk urus duit
apabila kami kembali kepada masyarakat,
apabila kami kembali kepada masyarakat,
05:47
like the majority of people did
who didn't commit crimes.
who didn't commit crimes.
128
335280
3256
macam kebanyakan orang
yang tak lakukan jenayah.
yang tak lakukan jenayah.
05:50
Then I discovered
129
338560
1200
Kemudian saya dapat tahu,
05:52
that according to MarketWatch,
130
340680
2056
menurut MarketWatch,
05:54
over 60 percent of the American population
131
342760
2536
lebih 60 peratus populasi Amerika
05:57
has under 1,000 dollars in savings.
132
345320
2120
memiliki kurang dari $1000 simpanan.
06:00
Sports Illustrated said that
over 60 percent of NBA players
over 60 percent of NBA players
133
348200
3216
Sports Illustated laporkan
lebih 60 peratus pemain NBA
lebih 60 peratus pemain NBA
06:03
and NFL players go broke.
134
351440
1536
dan NFL pokai.
06:05
40 percent of marital problems
derive from financial issues.
derive from financial issues.
135
353000
3040
40 peratus masalah rumahtangga datang
dari masalah kewangan.
dari masalah kewangan.
06:09
What the hell?
136
357080
1216
Biar betul?
06:10
(Laughter)
137
358320
2136
(Ketawa)
06:12
You mean to tell me
that people worked their whole lives,
that people worked their whole lives,
138
360480
2696
Adakah awak nak beritahu,
orang bekerja seumur hidup,
orang bekerja seumur hidup,
06:15
buying cars, clothes,
homes and material stuff
homes and material stuff
139
363200
2576
beli kereta, baju,
rumah dan barang
rumah dan barang
06:17
but were living check to check?
140
365800
2216
tetapi hidup cukup makan?
06:20
How in the world were members of society
going to help incarcerated individuals
going to help incarcerated individuals
141
368040
4336
Bagaimana anggota masyarakat
nak bantu bekas banduan
nak bantu bekas banduan
06:24
back into society
142
372400
1216
kembali pada masyarakat
06:25
if they couldn't manage they own stuff?
143
373640
1880
kalau mereka pun tak boleh urus diri?
06:28
We screwed.
144
376160
1256
Habislah.
06:29
(Laughter)
145
377440
1736
(Ketawa)
06:31
I needed a better plan.
146
379200
1400
Saya perlu rancangan lebih baik.
06:34
This is not going to work out too well.
147
382520
2120
Keadaan sekarang kurang berkesan.
06:37
So ...
148
385040
1200
Jadi...
06:39
I thought.
149
387880
1200
Saya fikir...
06:43
I now had an obligation
to meet those on the path
to meet those on the path
150
391800
2840
sekarang saya bertanggungjawab
berjumpa mereka bermasalah
berjumpa mereka bermasalah
06:48
and help,
151
396360
1216
dan membantu.
06:49
and it was crazy because
I now cared about my community.
I now cared about my community.
152
397600
3256
Pelik, kini saya ambil berat
tentang masyarakat saya.
tentang masyarakat saya.
06:52
Wow, imagine that.
I cared about my community.
I cared about my community.
153
400880
2360
Fikirkan.
Saya ambil berat tentang masyarakat.
Saya ambil berat tentang masyarakat.
06:56
Financial illiteracy is a disease
154
404640
2296
Buta kewangan adalah penyakit
06:58
that has crippled minorities
and the lower class in our society
and the lower class in our society
155
406960
3016
yang lumpuhkan golongan minoriti
dan kelas bawahan
dan kelas bawahan
07:02
for generations and generations,
156
410000
2136
generasi demi generasi.
07:04
and we should be furious about that.
157
412160
2496
Kita patut rasa marah.
07:06
Ask yourselves this:
158
414680
1576
Tanya diri kita:
07:08
How can 50 percent
of the American population
of the American population
159
416280
3256
Bagaimana 50 peratus populasi Amerika
07:11
be financially illiterate in a nation
driven by financial prosperity?
driven by financial prosperity?
160
419560
3960
buta kewangan dalam negara yang dilimpahi
kemakmuran kewangan?
kemakmuran kewangan?
07:17
Our access to justice, our social status,
161
425000
2856
Akses kepada keadilan, status sosial,
07:19
living conditions, transportation and food
162
427880
3016
taraf hidup, pengangkutan dan makanan
07:22
are all dependent on money
that most people can't manage.
that most people can't manage.
163
430920
3056
semuanya bergantung kepada wang
yang kebanyakannya gagal diurus.
yang kebanyakannya gagal diurus.
07:26
It's crazy!
164
434000
1576
Membimbangkan!
07:27
It's an epidemic
165
435600
1376
Ia satu epidemik
07:29
and a bigger danger to public safety
than any other issue.
than any other issue.
166
437000
3000
dan satu ancaman kepada
keselamatan umum berbanding isu lain.
keselamatan umum berbanding isu lain.
07:33
According to the California
Department of Corrections,
Department of Corrections,
167
441720
2656
Menurut Jabatan Pemulihan California,
07:36
over 70 percent of those incarcerated
168
444400
2336
lebih 70 peratus banduan
07:38
have committed or have been charged
with money-related crimes:
with money-related crimes:
169
446760
3616
melakukan atau didakwa
atas kesalahan berkaitan wang:
atas kesalahan berkaitan wang:
07:42
robberies, burglaries,
fraud, larceny, distortion --
fraud, larceny, distortion --
170
450400
4520
rompakan, pecah masuk, penipuan,
kecurian, peras ugut,
kecurian, peras ugut,
07:47
and the list goes on.
171
455720
1320
dan banyak lagi.
07:49
Check this out:
172
457920
1216
Dengar ini:
07:51
a typical incarcerated person
173
459160
2936
kebiasannya seorang banduan
07:54
would enter the California prison system
174
462120
2496
masuk ke penjara California
07:56
with no financial education,
175
464640
1560
tanpa pendidikan kewangan,
07:58
earn 30 cents an hour,
176
466840
1976
gaji 30 sen sejam,
08:00
over 800 dollars a year,
177
468840
2216
sekitar $800 setahun,
08:03
with no real expenses and save no money.
178
471080
2760
tanpa perbelanjaan tetap dan
tiada simpanan.
tiada simpanan.
08:06
Upon his parole, he will be given
200 dollars gate money and told,
200 dollars gate money and told,
179
474760
4336
Selepas dibebaskan dengan parol,
dia diberi $200 duit saku dan diberitahu
dia diberi $200 duit saku dan diberitahu
08:11
"Hey, good luck, stay out of trouble.
Don't come back to prison."
Don't come back to prison."
180
479120
3080
"Hey, semoga berjaya, hindari masalah.
Jangan masuk balik penjara."
Jangan masuk balik penjara."
08:14
With no meaningful preparation
or long-term financial plan,
or long-term financial plan,
181
482800
3296
Tanpa persediaan atau pelan kewangan
jangka panjang,
jangka panjang,
08:18
what does he do ... ?
182
486120
1200
apa yang dia buat?
08:20
At 60?
183
488600
1200
Pada usia 60 tahun?
08:23
Get a good job,
184
491120
1336
Dapatkan kerja yang bagus..
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?
185
492480
3920
atau kembali kepada kelakuan jenayah
yang jadi sebab dia ke penjara?
yang jadi sebab dia ke penjara?
08:29
You taxpayers, you choose.
186
497400
1776
Anda pembayar cukai, anda pilih.
08:31
Well, his education
already chose for him, probably.
already chose for him, probably.
187
499200
3160
Mungkin taraf pendidikannya telah memilih.
08:35
So how do we cure this disease?
188
503120
2360
Bagaimana kita sembuhkan penyakit ini?
08:38
I cofounded a program
189
506240
1736
Saya tubuhkan satu program
08:40
that we call Financial Empowerment
Emotional Literacy.
Emotional Literacy.
190
508000
4576
yang dipanggil
Financial Empowerment Emotional Literacy.
Financial Empowerment Emotional Literacy.
08:44
We call it FEEL,
191
512600
1456
Kami gelarnya FEEL.
08:46
and it teaches how do you separate
your emotional decisions
your emotional decisions
192
514080
3176
Ia ajar cara asingkan membuat keputusan
secara emosi
secara emosi
08:49
from your financial decisions,
193
517280
1976
dengan keputusan kewangan anda
08:51
and the four timeless rules
to personal finance:
to personal finance:
194
519280
3416
serta empat peraturan kewangan peribadi:
08:54
the proper way to save,
195
522720
1560
cara betul menyimpan,
08:57
control your cost of living,
196
525560
1640
kawal kos sara hidup
09:00
borrow money effectively
197
528320
1776
meminjam dengan efektif
09:02
and diversify your finances
by allowing your money to work for you
by allowing your money to work for you
198
530120
3776
dan pelbagaikan kewangan
dengan cara duit bekerja untuk anda
dengan cara duit bekerja untuk anda
09:05
instead of you working for it.
199
533920
1816
berbanding anda bekerja untuk duit.
09:07
Incarcerated people need these life skills
before we reenter society.
before we reenter society.
200
535760
4160
Banduan perlukan kemahiran hidup ini
sebelum kembali kepada masyarakat.
sebelum kembali kepada masyarakat.
09:13
You can't have full rehabilitation
without these life skills.
without these life skills.
201
541480
3896
Anda tak boleh pulih
tanpa kemahiran hidup ini.
tanpa kemahiran hidup ini.
09:17
This idea that only professionals
can invest and manage money
can invest and manage money
202
545400
3816
Pandangan hanya profesional boleh melabur
dan urus wang
dan urus wang
09:21
is absolutely ridiculous,
203
549240
2256
adalah mengarut,
09:23
and whoever told you that is lying.
204
551520
1667
dan sesiapa
yang beritahu itu menipu.
yang beritahu itu menipu.
09:25
(Applause)
205
553211
4965
(Tepukan)
09:30
A professional is a person
206
558200
2416
Seorang profesional ialah orang
09:32
who knows his craft better than most,
207
560640
2496
yang arif tentang bidangnya
lebih dari orang lain
lebih dari orang lain
09:35
and nobody knows how much money
you need, have or want better than you,
you need, have or want better than you,
208
563160
4936
dan tiada yang lebih tahu jumlah wang
yang diperlukan, dimiliki dan dimahukan
yang diperlukan, dimiliki dan dimahukan
lebih baik dari diri sendiri,
maksudnya andalah profesional itu.
maksudnya andalah profesional itu.
09:40
which means you are the professional.
209
568120
1960
09:42
Financial literacy is not a skill,
ladies and gentlemen.
ladies and gentlemen.
210
570880
4216
Celik kewangan bukanlah kemahiran,
tuan-tuan dan puan-puan.
tuan-tuan dan puan-puan.
09:47
It's a lifestyle.
211
575120
1200
Ia gaya hidup.
09:49
Financial stability is a byproduct
of a proper lifestyle.
of a proper lifestyle.
212
577560
4496
Kestabilan kewangan itu produk sampingan
dari gaya hidup yang betul.
dari gaya hidup yang betul.
09:54
A financially sound incarcerated person
can become a taxpaying citizen,
can become a taxpaying citizen,
213
582080
3800
Seorang banduan yang kukuh kewangannya
boleh jadi pembayar cukai
boleh jadi pembayar cukai
09:58
and a financially sound
taxpaying citizen can remain one.
taxpaying citizen can remain one.
214
586680
3496
pembayar cukai yang kukuh kewangannya
akan kekal membayar.
akan kekal membayar.
10:02
This allows us to create a bridge
between those people who we influence:
between those people who we influence:
215
590200
4336
Ini membolehkan kita membina jambatan
antara golongan yang kita pengaruhi:
antara golongan yang kita pengaruhi:
10:06
family, friends and those young people
216
594560
2736
keluarga, sahabat dan anak muda
10:09
who still believe
that crime and money are related.
that crime and money are related.
217
597320
2920
yang masih percaya
jenayah dan wang berkait rapat.
jenayah dan wang berkait rapat.
10:13
So let's lose the fear and anxiety
218
601720
2896
Jadi ayuh buang ketakutan dan kerisauan
10:16
of all the big financial words
219
604640
1456
tentang jargon kewangan
10:18
and all that other nonsense
that you've been out there hearing.
that you've been out there hearing.
220
606120
3576
serta ayat mengarut yang kita dengar.
10:21
And let's get to the heart
of what's been crippling our society
of what's been crippling our society
221
609720
3856
Ayuh tumpukan perkara yang
menghalang masyarakat kita
menghalang masyarakat kita
10:25
from taking care of your responsibility
to be better life managers.
to be better life managers.
222
613600
4360
dari pikul tanggungjawab agar menjadi
pengurus hidup yang lebih baik.
pengurus hidup yang lebih baik.
10:31
And let's provide a simple
and easy to use curriculum
and easy to use curriculum
223
619000
3336
Ayuh sediakan kurikulum yang mudah
dan ringkas
dan ringkas
10:34
that gets to the heart, the heart
224
622360
2256
yang menumpukan perkara penting
10:36
of what financial empowerment
and emotional literacy really is.
and emotional literacy really is.
225
624640
3936
tentang pemerkasaan kewangan
dan celik emosi yang sebenar.
dan celik emosi yang sebenar.
10:40
Now, if you're sitting out here
in the audience and you said,
in the audience and you said,
226
628600
2896
Jika penonton di sini berfikir
10:43
"Oh yeah, well, that ain't me
and I don't buy it,"
and I don't buy it,"
227
631520
2416
"Oh, itu bukan saya, saya tak percaya,"
10:45
then come take my class --
228
633960
1296
datanglah masuk kelas saya.
10:47
(Laughter)
229
635280
1696
(Ketawa)
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.
230
637000
3680
supaya saya boleh tunjuk berapa kerugian
setiap kali anda ikut emosi.
setiap kali anda ikut emosi.
10:53
(Applause)
231
641960
3160
(Tepukan)
Terima kasih banyak-banyak.
Terima kasih.
Terima kasih.
10:59
Thank you very much. Thank you.
232
647600
1536
11:01
(Applause)
233
649160
1160
(Tepukan)
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