TEDxSanQuentin
Curtis "Wall Street" Carroll: How I learned to read -- and trade stocks -- in prison
Kertis "Vol Strit" Kerol (Curtis 'Wall Street' Carroll): Kako sam naučio da čitam - i trgujem deonicama - u zatvoru
Filmed:
Readability: 3.7
5,811,223 views
Finansijska pismenost nije veština - radi se o načinu života, verujte Kertisu "Vol Strit" Kerolu. Kao zatvorenik, Kerol je svestan moći dolara. Dok je bio u zatvoru, podučio je sebe kako da čita i trguje deonicama, a sada deli jednostavnu, snažnu poruku: svi moramo da budemo veštiji s našim novcem.
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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Bilo mi je 14 godina,
00:15
inside of a bowling alley,
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unutar kuglane
00:16
burglarizing an arcade game,
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pljačkao sam aparat s arkadnim igrama
00:19
and upon exiting the building
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i dok sam izlazio iz zgrade
00:21
a security guard grabbed my arm, so I ran.
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čuvar me je zgrabio za ruku,
te sam pobegao.
te sam pobegao.
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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Jurio sam niz ulicu
i skočio sam na vrh ograde.
i skočio sam na vrh ograde.
00:26
And when I got to the top,
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A kad sam stigao na vrh,
00:28
the weight of 3,000 quarters
in my book bag
in my book bag
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težina 3000 kovanica
od po 25 centi u rancu
od po 25 centi u rancu
00:30
pulled me back down to the ground.
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me je povukla nazad na zemlju.
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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Pa, kad sam došao sebi,
čuvar je stajao iznad mene
čuvar je stajao iznad mene
i rekao: "Sledeći put, mali probisveti,
ukradite nešto što možete da nosite."
ukradite nešto što možete da nosite."
00:35
and he said, "Next time you little punks
steal something you can carry."
steal something you can carry."
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00:39
(Laughter)
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(Smeh)
00:41
I was taken to juvenile hall
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Odveli su me u kazneno-popravni dom
00:43
and when I was released
into the custody of my mother,
into the custody of my mother,
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i kada sam pušten
pod majčino starateljstvo,
pod majčino starateljstvo,
00:47
the first words my uncle said was,
"How'd you get caught?"
"How'd you get caught?"
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prve reči koje mi je ujak rekao su bile:
"Kako su te uhvatili?"
"Kako su te uhvatili?"
00:50
I said, "Man, the book bag was too heavy."
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Rekao sam: "Čoveče,
ranac je bio pretežak."
ranac je bio pretežak."
00:52
He said, "Man, you weren't supposed
to take all the quarters."
to take all the quarters."
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Rekao je: "Čoveče, nije trebalo
da uzmeš sve kovanice."
da uzmeš sve kovanice."
Rekao sam: "Čoveče, bile su sitne.
Šta je trebalo da uradim?"
Šta je trebalo da uradim?"
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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A deset minuta kasnije me je poveo
da opljačkamo drugi aparat za igre.
da opljačkamo drugi aparat za igre.
01:03
We needed gas money to get home.
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Trebao nam je novac za gorivo do kuće.
01:05
That was my life.
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To je bio moj život.
01:07
I grew up in Oakland, California,
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Odrastao sam u Oklandu, Kalifornija,
01:09
with my mother and members
of my immediate family
of my immediate family
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sa majkom i članovima najuže porodice
01:11
addicted to crack cocaine.
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navučenim na krek kokain.
01:13
My environment consisted
of living with family, friends,
of living with family, friends,
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Moja sredina se sastojala
od života s porodicom, prijateljima
od života s porodicom, prijateljima
01:18
and homeless shelters.
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i u skloništima za beskućnike.
01:21
Oftentimes, dinner was served
in breadlines and soup kitchens.
in breadlines and soup kitchens.
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Često smo dobijali večeru
u kuhinjama za beskućnike.
u kuhinjama za beskućnike.
01:25
The big homie told me this:
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Moj veliki drugar mi je rekao sledeće:
01:27
money rules the world
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novac vlada svetom
01:29
and everything in it.
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i svime u njemu.
01:30
And in these streets, money is king.
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A na ovim ulicama, novac je kralj.
01:33
And if you follow the money,
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A ako pratiš novac,
01:34
it'll lead you to the bad guy
or the good guy.
or the good guy.
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dovešće te do lošeg momka
ili do dobrog momka.
ili do dobrog momka.
01:38
Soon after, I committed my first crime,
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Uskoro sam počinio svoj prvi zločin,
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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a bilo je to prvi put
da mi je rečeno da imam potencijal
da mi je rečeno da imam potencijal
01:43
and felt like somebody believed in me.
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i da sam osećao da neko veruje u mene.
01:46
Nobody ever told me
that I could be a lawyer,
that I could be a lawyer,
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Niko mi nikad nije rekao
da mogu da budem advokat,
da mogu da budem advokat,
01:48
doctor or engineer.
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doktor ili inženjer.
Mislim, kako sam mogao to da znam?
nisam znao da čitam, pišem, ni sričem.
nisam znao da čitam, pišem, ni sričem.
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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01:53
I was illiterate.
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Bio sam nepismen.
01:54
So I always thought
crime was my way to go.
crime was my way to go.
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Te sam uvek smatrao
da je kriminal moj put.
da je kriminal moj put.
01:59
And then one day
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A onda sam jednog dana
02:01
I was talking to somebody
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razgovarao sa nekim
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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i on mi je govorio
o pljački koju bismo mogli da obavimo.
o pljački koju bismo mogli da obavimo.
02:06
And we did it.
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I jesmo.
02:09
The reality was that I was growing up
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Stvarnost je bila takva da sam odrastao
02:10
in the strongest
financial nation in the world,
financial nation in the world,
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u finansijski najsnažnijoj
naciji na svetu,
naciji na svetu,
02:13
the United States of America,
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Sjedinjenim Američkim Državama,
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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istovremeno posmatrajući majku
kako stoji u redu banke za krv
kako stoji u redu banke za krv
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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kako bi prodala svoju krv za 40 dolara,
samo da bi prehranila decu.
samo da bi prehranila decu.
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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I dan-danas ima ožiljke od igli
na rukama kao svedočanstvo toga.
na rukama kao svedočanstvo toga.
02:29
So I never cared about my community.
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Te nikad nisam mario za zajednicu.
02:31
They didn't care about my life.
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Ona nije marila za moj život.
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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Svi tu su radili to što su radili
kako bi uzeli to što su želeli,
kako bi uzeli to što su želeli,
02:36
the drug dealers,
the robbers, the blood bank.
the robbers, the blood bank.
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dileri droge, pljačkaši, banka krvi.
02:38
Everybody was taking blood money.
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Svi su uzimali krvavi novac.
02:40
So I got mine by any means necessary.
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Te sam ja sticao svoj kako bilo.
02:41
I got mine.
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Sticao sam svoj.
02:43
Financial literacy
really did rule the world,
really did rule the world,
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Finansijska pismenost
je zaista vladala svetom
je zaista vladala svetom
02:46
and I was a child slave to it
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i ja sam bio njen dečji rob
02:48
following the bad guy.
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koji ide za lošim momkom.
02:52
At 17 years old, I was arrested
for robbery and murder
for robbery and murder
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Sa 17 godina sam uhapšen
zbog pljačke i ubistva
zbog pljačke i ubistva
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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i uskoro sam saznao da finansije u zatvoru
vladaju još više nego na ulicama,
vladaju još više nego na ulicama,
02:59
so I wanted in.
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te sam želeo biti deo toga.
03:01
One day, I rushed to grab
the sports page of the newspaper
the sports page of the newspaper
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Jednog dana sam požurio da zgrabim
sportsku stranu iz novina
sportsku stranu iz novina
03:04
so my celly could read it to me,
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kako bi cimer mogao da mi pročita,
03:06
and I accidentally
picked up the business section.
picked up the business section.
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a slučajno sam odabrao poslovni odeljak.
03:08
And this old man said,
"Hey youngster, you pick stocks?"
"Hey youngster, you pick stocks?"
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A taj starac me je upitao:
"Hej, mladiću, odabrao si deonice?"
"Hej, mladiću, odabrao si deonice?"
03:12
And I said, "What's that?"
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Upitao sam: "Šta je to?"
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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Rekao je: "To je mesto gde belci
čuvaju sav svoj novac."
čuvaju sav svoj novac."
03:16
(Laughter)
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(Smeh)
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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I tada sam prvi put video tračak nade,
03:21
a future.
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budućnost.
03:23
He gave me this brief description
of what stocks were,
of what stocks were,
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Dao mi je sažet opis toga šta su deonice,
03:26
but it was just a glimpse.
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ali to je bio tek nagoveštaj.
03:30
I mean, how was I supposed to do it?
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Mislim, kako da se time bavim?
03:32
I couldn't read, write or spell.
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Nisam znao da čitam, pišem, ni sričem.
03:34
The skills that I had developed
to hide my illiteracy
to hide my illiteracy
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Veštine koje sam razvio
kako bih sakrio moju nepismenost
kako bih sakrio moju nepismenost
03:37
no longer worked in this environment.
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više nisu delovale u ovom okruženju.
03:39
I was trapped in a cage,
prey among predators,
prey among predators,
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Bio sam zarobljen u kavezu,
plen među grabljivicama,
plen među grabljivicama,
03:42
fighting for freedom I never had.
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boreći se za nikad pre stečenu slobodu.
03:44
I was lost, tired,
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Bio sam izgubljen, umoran
03:46
and I was out of options.
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i nisam imao izbora.
03:49
So at 20 years old,
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Pa sam sa 20 godina
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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uradio najtežu stvar u mom životu.
03:54
I picked up a book,
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Uzeo sam knjigu,
03:57
and it was the most agonizing
time of my life,
time of my life,
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i to je bio najmučniji
period u mom životu,
period u mom životu,
04:01
trying to learn how to read,
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pokušavajući da naučim da čitam,
04:03
the ostracizing from my family,
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isključio sam se iz porodice,
04:05
the homies.
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od drugova.
04:08
It was rough, man.
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Čoveče, bilo je teško.
04:09
It was a struggle.
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To je bila borba.
04:11
But little did I know
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Ali nisam znao
04:12
I was receiving the greatest gifts
I had ever dreamed of:
I had ever dreamed of:
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da dobijam najveći poklon
o kom sam sanjao:
o kom sam sanjao:
04:16
self-worth,
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samopoštovanje,
04:18
knowledge, discipline.
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znanje, disciplinu.
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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Toliko sam bio uzbuđen što čitam
da sam čitao sve što bi mi došlo pod ruku:
da sam čitao sve što bi mi došlo pod ruku:
04:24
candy wrappers, clothing logos,
street signs, everything.
street signs, everything.
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omote od bombona, logoe na odeći,
ulične znakove, sve.
ulične znakove, sve.
04:28
I was just reading stuff!
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Prosto sam čitao svašta!
04:29
(Applause)
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(Aplauz)
04:30
Just reading stuff.
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Prosto sam čitao svašta!
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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Toliko sam bio uzbuđen
što znam da čitam i znam da sričem.
što znam da čitam i znam da sričem.
04:36
The homie came up, said,
"Man, what you eating?"
"Man, what you eating?"
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Drug mi je prišao, pitajući:
"Čoveče, šta jedeš?"
"Čoveče, šta jedeš?"
04:39
I said, "C-A-N-D-Y, candy."
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Rekao sam: "B-O-M-B-O-N-U, bombonu."
04:40
(Laughter)
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(Smeh)
04:43
He said, "Let me get some."
I said, "N-O. No."
I said, "N-O. No."
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Rekao je: "Daj i meni jednu."
Rekao sam: "N-E. Ne."
Rekao sam: "N-E. Ne."
04:45
(Laughter)
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(Smeh)
04:46
It was awesome.
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Bilo je fantastično.
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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Mislim, zapravo sam mogao,
prvi put u životu, da čitam.
prvi put u životu, da čitam.
04:51
The feeling that I got
from it was amazing.
from it was amazing.
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To osećanje je bilo divno.
04:55
And then at 22, feeling myself,
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A potom sa 22, pun sebe,
04:58
feeling confident,
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osećajući se samopouzdano,
05:00
I remembered what the OG told me.
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setio sam se šta mi je
stariji burazer rekao.
stariji burazer rekao.
05:03
So I picked up the business section
of the newspaper.
of the newspaper.
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Pa sam uzeo poslovni odeljak iz novina.
05:07
I wanted to find these rich white folks.
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Hteo sam da nađem te bogate belce.
05:09
(Laughter)
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(Smeh)
05:12
So I looked for that glimpse.
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Pa sam tragao za tom iskrom.
05:15
As I furthered my career
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Kako mi je karijera išla dalje
05:17
in teaching others how to
financially manage money and invest,
financially manage money and invest,
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podučavajući druge kako da finansijski
upravljaju novcem i da ulažu,
upravljaju novcem i da ulažu,
05:21
I soon learned that I had to take
responsibility for my own actions.
responsibility for my own actions.
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uskoro sam saznao da moram da preuzmem
odgovornost za sopstvena dela.
odgovornost za sopstvena dela.
05:24
True, I grew up
in a very complex environment,
in a very complex environment,
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Istina je da sam odrastao
u veoma složenoj sredini,
u veoma složenoj sredini,
05:27
but I chose to commit crimes,
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ali sam odabrao da vršim zločine
05:29
and I had to own up to that.
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i morao sam da ovladam time.
05:31
I had to take responsibility
for that, and I did.
for that, and I did.
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Morao sam da preuzmem
odgovornost za to, i jesam.
odgovornost za to, i jesam.
05:33
I was building a curriculum
that could teach incarcerated men
that could teach incarcerated men
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Pravio sam plan rada kojim sam mogao
da podučavam zatvorenike
da podučavam zatvorenike
05:36
how to manage money
through prison employments.
through prison employments.
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kako da raspolažu novcem
kroz zatvorske poslove.
kroz zatvorske poslove.
05:40
Properly managing our lifestyle
would provide transferrable tools
would provide transferrable tools
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Pravilno uređujući naš način života
bismo obezbedili prenosiva oruđa
bismo obezbedili prenosiva oruđa
05:43
that we can use to manage money
when we reenter society,
when we reenter society,
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koja bismo koristili da upravljamo novcem
kad se vratimo u društvo.
kad se vratimo u društvo.
05:47
like the majority of people did
who didn't commit crimes.
who didn't commit crimes.
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Kao što radi većina ljudi
koja nije počinila zločine.
koja nije počinila zločine.
05:50
Then I discovered
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Onda sam otkrio
05:52
that according to MarketWatch,
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da prema MarketWatch-u,
05:54
over 60 percent of the American population
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preko 60 procenata američke populacije
05:57
has under 1,000 dollars in savings.
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ima manje od 1000 dolara ušteđevine.
06:00
Sports Illustrated said that
over 60 percent of NBA players
over 60 percent of NBA players
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"Sprts Ilustrejted" tvrdi
da preko 60 procenata
da preko 60 procenata
NBA i NFL igrača bankrotira.
06:03
and NFL players go broke.
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06:05
40 percent of marital problems
derive from financial issues.
derive from financial issues.
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40 procenata bračnih problema
proizlazi iz finansijskih pitanja.
proizlazi iz finansijskih pitanja.
06:09
What the hell?
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Koji vrag?
06:10
(Laughter)
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(Smeh)
06:12
You mean to tell me
that people worked their whole lives,
that people worked their whole lives,
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Hoćete da mi kažete
da su ljudi radili čitav svoj život,
da su ljudi radili čitav svoj život,
06:15
buying cars, clothes,
homes and material stuff
homes and material stuff
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kupovali auta, odeću,
kuće i materijalne stvari,
kuće i materijalne stvari,
06:17
but were living check to check?
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ali da su živeli od plate do plate?
06:20
How in the world were members of society
going to help incarcerated individuals
going to help incarcerated individuals
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Kako će, za ime sveta, članovi društva
da pomognu pojedincima u zatvoru
da pomognu pojedincima u zatvoru
06:24
back into society
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da se vrate u društvo,
06:25
if they couldn't manage they own stuff?
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ako ne mogu ni sami da se snađu?
06:28
We screwed.
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Propali smo.
06:29
(Laughter)
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(Smeh)
06:31
I needed a better plan.
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Trebao mi je bolji plan.
06:34
This is not going to work out too well.
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Ovo neće da ispadne naročito dobro.
06:37
So ...
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Dakle...
06:39
I thought.
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Mislio sam.
06:43
I now had an obligation
to meet those on the path
to meet those on the path
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Sad sam imao obavezu
da izađem u susret drugima
da izađem u susret drugima
06:48
and help,
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i da im pomognem,
06:49
and it was crazy because
I now cared about my community.
I now cared about my community.
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a to je bilo sumanuto
jer sam sad mario za moju zajednicu.
jer sam sad mario za moju zajednicu.
06:52
Wow, imagine that.
I cared about my community.
I cared about my community.
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Uh, zamislite to.
Mario sam za svoju zajednicu.
Mario sam za svoju zajednicu.
06:56
Financial illiteracy is a disease
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Finansijska nepismenost je bolest
06:58
that has crippled minorities
and the lower class in our society
and the lower class in our society
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koja je sakatila manjine
i niže klase u našem društvu
i niže klase u našem društvu
07:02
for generations and generations,
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generacijama i generacijama
07:04
and we should be furious about that.
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i trebalo bi da smo besni zbog toga.
07:06
Ask yourselves this:
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Zapitajte se sledeće:
07:08
How can 50 percent
of the American population
of the American population
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kako je moguće da 50 procenata
američke populacije
američke populacije
07:11
be financially illiterate in a nation
driven by financial prosperity?
driven by financial prosperity?
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bude finansijski nepismeno u naciji
koja se vodi finansijskim prosperitetom?
koja se vodi finansijskim prosperitetom?
07:17
Our access to justice, our social status,
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Naš pristup pravdi, naš društveni status,
07:19
living conditions, transportation and food
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uslovi života, transport i hrana
07:22
are all dependent on money
that most people can't manage.
that most people can't manage.
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sve to zavisi od novca
kojim mnogi ne znaju da upravljaju.
kojim mnogi ne znaju da upravljaju.
07:26
It's crazy!
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To je budalaština!
07:27
It's an epidemic
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To je epidemija
07:29
and a bigger danger to public safety
than any other issue.
than any other issue.
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i veća opasnost javnoj bezbednosti
od bilo kog drugog pitanja.
od bilo kog drugog pitanja.
07:33
According to the California
Department of Corrections,
Department of Corrections,
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Prema Kalifornijskom odseku za prekršaje,
07:36
over 70 percent of those incarcerated
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preko 70 procenata zatvorenika
07:38
have committed or have been charged
with money-related crimes:
with money-related crimes:
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je počinilo ili im se sudi
za zločine u vezi s novcem:
za zločine u vezi s novcem:
07:42
robberies, burglaries,
fraud, larceny, distortion --
fraud, larceny, distortion --
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pljačke, provale, prevare,
razbojništvo, iznuđivanje -
razbojništvo, iznuđivanje -
07:47
and the list goes on.
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i spisak raste.
07:49
Check this out:
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Zamislite ovo:
07:51
a typical incarcerated person
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tipični zatvorenik
07:54
would enter the California prison system
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će da uđe u kalifornijski zatvorski sistem
07:56
with no financial education,
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finansijski neobrazovan,
07:58
earn 30 cents an hour,
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zarađivaće 30 centi po satu,
08:00
over 800 dollars a year,
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preko 800 dolara godišnje,
08:03
with no real expenses and save no money.
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bez stvarnih troškova,
i neće uštediti novac.
i neće uštediti novac.
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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Po izlasku na uslovnu dobiće
200 dolara na kapiji i reći će mu:
200 dolara na kapiji i reći će mu:
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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"Srećno, ne upadaj u nevolje.
Ne vraćaj se u zatvor."
Ne vraćaj se u zatvor."
08:14
With no meaningful preparation
or long-term financial plan,
or long-term financial plan,
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Bez smislenih priprema
ili dugoročnog finansijskog plana,
ili dugoročnog finansijskog plana,
08:18
what does he do ... ?
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šta će da uradi...?
08:20
At 60?
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Sa 60 godina?
08:23
Get a good job,
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Da nađe dobar posao
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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ili da se vrati kriminalnom ponašanju
koje ga je prvenstveno odvelo u zatvor?
koje ga je prvenstveno odvelo u zatvor?
08:29
You taxpayers, you choose.
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Poreski obveznici, vi birate.
08:31
Well, his education
already chose for him, probably.
already chose for him, probably.
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Pa, njegovo obrazovanje
je verovatno odabralo za njega.
je verovatno odabralo za njega.
08:35
So how do we cure this disease?
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Pa, kako da izlečimo ovu bolest?
08:38
I cofounded a program
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Saosnivač sam programa
08:40
that we call Financial Empowerment
Emotional Literacy.
Emotional Literacy.
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koji nazivamo Finansijsko osnaženje
emotivna pismenost.
emotivna pismenost.
08:44
We call it FEEL,
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Nazivamo ga FEEL,
08:46
and it teaches how do you separate
your emotional decisions
your emotional decisions
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i obučava vas kako da razgraničite
emotivne odluke
emotivne odluke
08:49
from your financial decisions,
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od finansijskih odluka,
08:51
and the four timeless rules
to personal finance:
to personal finance:
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kao i četiri bezvremena pravila
za lične finansije:
za lične finansije:
08:54
the proper way to save,
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pravilan način štednje,
08:57
control your cost of living,
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kontrola troškova života,
09:00
borrow money effectively
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efikasno pozajmljivanje novca
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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i variranje finansija
koje omogućuje novcu da radi za vas,
koje omogućuje novcu da radi za vas,
09:05
instead of you working for it.
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umesto što vi radite za njega.
09:07
Incarcerated people need these life skills
before we reenter society.
before we reenter society.
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Zatvorenicima su potrebne ove životne
veštine pre nego što se vratimo u društvo.
veštine pre nego što se vratimo u društvo.
09:13
You can't have full rehabilitation
without these life skills.
without these life skills.
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Nema potpune rehabilitacije
bez ovih životnih veština.
bez ovih životnih veština.
09:17
This idea that only professionals
can invest and manage money
can invest and manage money
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Zamisao da jedino profesionalci
mogu da ulažu i upravljaju novcem
mogu da ulažu i upravljaju novcem
09:21
is absolutely ridiculous,
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je potpuno smešna
09:23
and whoever told you that is lying.
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i ko vam to kaže, laže vas.
09:25
(Applause)
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(Aplauz)
09:30
A professional is a person
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Profesionalac je osoba
09:32
who knows his craft better than most,
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koja poznaje svoj zanat bolje od ostalih,
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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a niko bolje od vas ne zna koliko novca
vam je potrebno, koliko ga imate i želite,
vam je potrebno, koliko ga imate i želite,
09:40
which means you are the professional.
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što znači da ste vi profesionalac.
09:42
Financial literacy is not a skill,
ladies and gentlemen.
ladies and gentlemen.
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Finansijska pismenost
nije veština, dame i gospodo,
nije veština, dame i gospodo,
09:47
It's a lifestyle.
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radi se o načinu života.
09:49
Financial stability is a byproduct
of a proper lifestyle.
of a proper lifestyle.
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Finansijska stabilnost je nusproizvod
pravilnog načina života.
pravilnog načina života.
09:54
A financially sound incarcerated person
can become a taxpaying citizen,
can become a taxpaying citizen,
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Finansijski razborit zatvorenik
može da postane poreski obveznik,
može da postane poreski obveznik,
09:58
and a financially sound
taxpaying citizen can remain one.
taxpaying citizen can remain one.
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a razborit poreski obveznik
to može i da ostane.
to može i da ostane.
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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Ovo nam omogućuje da sagradimo most
između ljudi na koje utičemo:
između ljudi na koje utičemo:
10:06
family, friends and those young people
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porodicu, prijatelje i one mlade ljude
10:09
who still believe
that crime and money are related.
that crime and money are related.
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koji i dalje veruju
da su kriminal i novac povezani.
da su kriminal i novac povezani.
10:13
So let's lose the fear and anxiety
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Zato, oslobodimo se straha i nespokoja
zbog krupnih finansijskih reči
10:16
of all the big financial words
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10:18
and all that other nonsense
that you've been out there hearing.
that you've been out there hearing.
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i svih drugih budalaština
kojih ste se naslušali.
kojih ste se naslušali.
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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I pozabavimo se srži
onoga što sakati naše društvo,
onoga što sakati naše društvo,
10:25
from taking care of your responsibility
to be better life managers.
to be better life managers.
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tako što ćemo preuzeti odgovornost
i bolje upravljati našim životima.
i bolje upravljati našim životima.
10:31
And let's provide a simple
and easy to use curriculum
and easy to use curriculum
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I obezbedimo plan rada
koji je jednostavan, ali lak za upotrebu
koji je jednostavan, ali lak za upotrebu
10:34
that gets to the heart, the heart
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koji pogađa suštinu, suštinu
10:36
of what financial empowerment
and emotional literacy really is.
and emotional literacy really is.
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toga šta finansijska osnaženost
i emotivna pismenost zaista jesu.
i emotivna pismenost zaista jesu.
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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Sad, ako sedite tu u publici i govorite:
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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"Ah, da, pa, to nisam ja
i ne nasedam na to",
i ne nasedam na to",
10:45
then come take my class --
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onda dođite na moj čas -
10:47
(Laughter)
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(Smeh)
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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kako bih vam pokazao koliko novca
vas svaki put košta vaša emotivnost.
vas svaki put košta vaša emotivnost.
10:53
(Applause)
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(Aplauz)
10:59
Thank you very much. Thank you.
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Mnogo vam hvala. Hvala vam.
11:01
(Applause)
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(Aplauz)
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