TEDxSanQuentin
Curtis "Wall Street" Carroll: How I learned to read -- and trade stocks -- in prison
Curtis 'Wall Street' Carroll: Jinsi nilivyojifunza kusoma --na biashara ya hisa -- gerezani
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Elimu ya fedha siyo stadi -- ni mtindo wa maisha. Chukua hiyo kutoka kwa Curtis "Wall Street" Carroll. Kama mfungwa, Carroll anajua nguvu ya dola(fedha). Akiwa gerezani, alijifunza jinsi ya kusoma na kufanya biashara ya hisa, na sasa anashirikisha ujumbe rahisi, na wenye nguvu: wote tuhanitaji kuwa werevu na pesa zetu.
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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Nilikuwa na umri wa miaka 14
00:15
inside of a bowling alley,
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nikiwa kwenye jumba la michezo,
00:16
burglarizing an arcade game,
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nikiiba kwenye mashine ya mchezo,
00:19
and upon exiting the building
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na nilipokuwa nikitoka nje ya jengo
00:21
a security guard grabbed my arm, so I ran.
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mlinzi alikamata mkono wangu,
hivyo nikakimbia.
hivyo nikakimbia.
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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Nilikimbilia mtaani,
na nikaruka juu ya uzio.
na nikaruka juu ya uzio.
00:26
And when I got to the top,
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Na nilipofika juu,
00:28
the weight of 3,000 quarters
in my book bag
in my book bag
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uzito wa sarafu 3,000 kwenye mkoba wangu
00:30
pulled me back down to the ground.
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ulinielemea na kunivuta chini.
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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Niliponyanyuka, mlinzi
alikuwa amesima juu yangu,
alikuwa amesima juu yangu,
00:35
and he said, "Next time you little punks
steal something you can carry."
steal something you can carry."
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na akasema, "Siku nyingine nyinyi vibaka,
ibeni vitu mnavyoweza kubeba."
ibeni vitu mnavyoweza kubeba."
00:39
(Laughter)
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(Kicheko)
00:41
I was taken to juvenile hall
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Nilipelekwa kwenye mahabusu ya watoto
00:43
and when I was released
into the custody of my mother,
into the custody of my mother,
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na nilipoachiliwa
chini ya dhamana ya mama yangu,
chini ya dhamana ya mama yangu,
00:47
the first words my uncle said was,
"How'd you get caught?"
"How'd you get caught?"
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maneno ya kwanza mjomba wangu
alisema yalikuwa, "Ulikamatwaje?"
alisema yalikuwa, "Ulikamatwaje?"
00:50
I said, "Man, the book bag was too heavy."
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Nikasema, "Mzee, mkoba
ulikuwa mzito sana."
ulikuwa mzito sana."
00:52
He said, "Man, you weren't supposed
to take all the quarters."
to take all the quarters."
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Akasema, "Mzee,
hukutakiwa kuchukua sarafu zote."
hukutakiwa kuchukua sarafu zote."
Nikasema, "Mzee, zilikuwa ndogo.
Ningefanyaje?"
Ningefanyaje?"
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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na dakika 10 baadaye, alinipeleka kuiba
kwenye mashine nyingine ya mchezo.
kwenye mashine nyingine ya mchezo.
01:03
We needed gas money to get home.
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Tulihitaji pesa ya petroli kufika maskani.
Hayo ndiyo yalikuwa maisha yangu.
01:05
That was my life.
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01:07
I grew up in Oakland, California,
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Nimekulia Oakland, Kalifornia,
01:09
with my mother and members
of my immediate family
of my immediate family
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na mama yangu
na ndugu wa karibu wa familia
na ndugu wa karibu wa familia
01:11
addicted to crack cocaine.
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walevi wa madawa ya kulevya ya kokeini .
01:13
My environment consisted
of living with family, friends,
of living with family, friends,
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Mazingira yangu yalijumuisha
kuishi na familia, marafiki,
kuishi na familia, marafiki,
01:18
and homeless shelters.
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na makazi kwa wasio-na-makazi.
01:21
Oftentimes, dinner was served
in breadlines and soup kitchens.
in breadlines and soup kitchens.
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Mara nyingi, mlo wa jioni tuliupata
kwenye foleni za vyakula vya msaada.
kwenye foleni za vyakula vya msaada.
01:25
The big homie told me this:
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Mjomba aliniambia hivi:
01:27
money rules the world
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pesa inatawala dunia
01:29
and everything in it.
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na kila kitu ndani yake.
01:30
And in these streets, money is king.
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Na katika hii mitaa, pesa ni Mfalme.
01:33
And if you follow the money,
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Na ikiwa utafuata pesa,
01:34
it'll lead you to the bad guy
or the good guy.
or the good guy.
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itakupeleka kwa mtu mbaya au mtu mzuri.
01:38
Soon after, I committed my first crime,
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Baadaye kidogo,
nilifanya uhalifu wangu wa kwanza,
nilifanya uhalifu wangu wa kwanza,
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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na ndiyo mara ya kwanza
nilipoambiwa kuwa nina kipaji
nilipoambiwa kuwa nina kipaji
01:43
and felt like somebody believed in me.
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na nikajisikia kuwa kuna mtu ananiaminia.
01:46
Nobody ever told me
that I could be a lawyer,
that I could be a lawyer,
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Hakuna aliyewahi-niambia kuwa
ningeweza kuwa mwanasheria,
ningeweza kuwa mwanasheria,
01:48
doctor or engineer.
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daktari au mhandisi.
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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Yaani, ningewezaje kufanya hivyo?
Sikuweza kusoma, kuandika wala kutahajia.
Sikuweza kusoma, kuandika wala kutahajia.
01:53
I was illiterate.
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Sikuwa mtu aliyesoma.
01:54
So I always thought
crime was my way to go.
crime was my way to go.
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Kwahiyo, mara zote nilifikiri
uhalifu ndio njia ya kwenda.
uhalifu ndio njia ya kwenda.
01:59
And then one day
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Na kisha siku moja
02:01
I was talking to somebody
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Nilikuwa naongea na mtu
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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na alikuwa ananiambia juu ya
huu wizi ambao tungeweza fanya.
huu wizi ambao tungeweza fanya.
02:06
And we did it.
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Na tukaufanya.
02:09
The reality was that I was growing up
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Ukweli ni kwamba nilikuwa nakulia
02:10
in the strongest
financial nation in the world,
financial nation in the world,
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kwenye nchi yenye uwezo mkubwa
wa kifedha duniani,
wa kifedha duniani,
02:13
the United States of America,
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Marekani,
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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huku nikiangalia mama yangu,
akisimama kwenye foleni ya benki ya damu
akisimama kwenye foleni ya benki ya damu
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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kuuza damu yake kwa Dola 40
kujaribu tu kulisha wanae.
kujaribu tu kulisha wanae.
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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Bado ana alama za sindano
mikononi mwake leo kudhihirisha hilo.
mikononi mwake leo kudhihirisha hilo.
02:29
So I never cared about my community.
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Kwa hiyo sikuijali jumuiya yangu,
02:31
They didn't care about my life.
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Hawakujali maisha yangu.
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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Kila mtu pale alifanya anachotaka fanya kupata alichotaka,
02:36
the drug dealers,
the robbers, the blood bank.
the robbers, the blood bank.
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wauza mihadarati,
wezi, benki ya damu.
wezi, benki ya damu.
02:38
Everybody was taking blood money.
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Kila mtu alichukua fedha ya damu.
02:40
So I got mine by any means necessary.
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Hivyo nilipata yangu
kwa njia yoyote ile.
kwa njia yoyote ile.
02:41
I got mine.
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Nilipata yangu.
Elimu ya fedha
kweli ilitawala dunia,
kweli ilitawala dunia,
02:43
Financial literacy
really did rule the world,
really did rule the world,
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02:46
and I was a child slave to it
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na nilikuwa mtoto mtumwa kwake
02:48
following the bad guy.
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nikifuata mtu mbaya.
02:52
At 17 years old, I was arrested
for robbery and murder
for robbery and murder
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Nikiwa na miaka 17,
nilikamatwa kwa wizi na mauaji
nilikamatwa kwa wizi na mauaji
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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na punde nikajifunza kuwa fedha jela
zinatawala zaidi ya zilivyo mitaani,
zinatawala zaidi ya zilivyo mitaani,
02:59
so I wanted in.
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Hivyo nilitaka kuingia.
03:01
One day, I rushed to grab
the sports page of the newspaper
the sports page of the newspaper
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Siku moja, nilikurupuka kushika
ukurasa wa michezo katika gazeti
ukurasa wa michezo katika gazeti
03:04
so my celly could read it to me,
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ili mfungwa mwenzangu anisomee,
03:06
and I accidentally
picked up the business section.
picked up the business section.
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na kwa bahati mbaya
nikachukua sehemu ya biashara.
nikachukua sehemu ya biashara.
03:08
And this old man said,
"Hey youngster, you pick stocks?"
"Hey youngster, you pick stocks?"
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Na huyu mzee akasema,
"Hey, kijana, umechukua hisa?"
"Hey, kijana, umechukua hisa?"
03:12
And I said, "What's that?"
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Na nikasema, "Ndio nini hicho?"
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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Akasema, "Hiyo ndiyo sehemu ambayo
watu weupe huweka pesa yao yote."
watu weupe huweka pesa yao yote."
03:16
(Laughter)
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(Kicheko)
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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Na ilikuwa ndiyo mara ya kwanza
nilipata ono fupi la tumaini,
nilipata ono fupi la tumaini,
03:21
a future.
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siku za baadaye.
03:23
He gave me this brief description
of what stocks were,
of what stocks were,
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Alinipa maelezo mafupi
ya hisa zilikuwa ni nini,
ya hisa zilikuwa ni nini,
03:26
but it was just a glimpse.
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lakini ilikuwa ni muhtasari tu.
03:30
I mean, how was I supposed to do it?
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Yaani, ningewezaje kuifanya?
03:32
I couldn't read, write or spell.
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Sikuweza kusoma, kuandika wala kutahajia.
03:34
The skills that I had developed
to hide my illiteracy
to hide my illiteracy
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Ujuzi niliokuwa nimeukuza
kuficha kutokusoma kwangu
kuficha kutokusoma kwangu
03:37
no longer worked in this environment.
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haukufanya kazi tena
katika mazingira haya.
katika mazingira haya.
03:39
I was trapped in a cage,
prey among predators,
prey among predators,
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Nilikuwa nimenaswa kwenye kizimba
mateka kati ya watekaji,
mateka kati ya watekaji,
03:42
fighting for freedom I never had.
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nikipigania uhuru ambao sijawahi kuwa nao.
03:44
I was lost, tired,
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Nilikuwa nimepotea, nimechoka,
03:46
and I was out of options.
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na sikuwa na machaguzi.
03:49
So at 20 years old,
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Kwa hiyo nikiwa na miaka 20,
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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nilifanya kitu kigumu kuliko vyote
nilivyowahi kufanya maishani mwangu.
nilivyowahi kufanya maishani mwangu.
03:54
I picked up a book,
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Nilichukua kitabu,
03:57
and it was the most agonizing
time of my life,
time of my life,
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na ilikuwa ni kipindi kigumu sana
maishani mwangu.
maishani mwangu.
04:01
trying to learn how to read,
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kujaribu kujifunza jinsi ya kusoma,
04:03
the ostracizing from my family,
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kutengana na familia yangu,
04:05
the homies.
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na rafiki zangu.
04:08
It was rough, man.
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Ilikuwa shida, mzee.
04:09
It was a struggle.
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Ilikuwa ni mahangaiko.
04:11
But little did I know
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Lakini sikufahamu japo kidogo kuwa
04:12
I was receiving the greatest gifts
I had ever dreamed of:
I had ever dreamed of:
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nilikuwa napata zawadi kubwa kuliko zote
nilizowahi kuziota,
nilizowahi kuziota,
04:16
self-worth,
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kujithamini,
04:18
knowledge, discipline.
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maarifa, nidhamu.
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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Nilisisimka mno kusoma, kiasi kwamba
nilisoma kila kitu nilichokitia mkononi:
nilisoma kila kitu nilichokitia mkononi:
04:24
candy wrappers, clothing logos,
street signs, everything.
street signs, everything.
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makaratasi ya pipi, nembo za nguo,
alama za barabarani, kila kitu.
alama za barabarani, kila kitu.
04:28
I was just reading stuff!
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Nilikuwa nikisoma tu vitu!
04:29
(Applause)
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(Makofi na Vifijo)
04:30
Just reading stuff.
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kusoma tu vitu.
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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Nilisisimka sana kujua jinsi ya kusoma
na kujua jinsi ya kutahajia.
na kujua jinsi ya kutahajia.
04:36
The homie came up, said,
"Man, what you eating?"
"Man, what you eating?"
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Rafiki alikuja, akaniuliza,
"Mzee, unakula nini?"
"Mzee, unakula nini?"
04:39
I said, "C-A-N-D-Y, candy."
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Nikasema, "P-I-P-I, pipi."
04:40
(Laughter)
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(Kicheko)
04:43
He said, "Let me get some."
I said, "N-O. No."
I said, "N-O. No."
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Akasema, "Nipe kidogo."
Nikasema, "L-A. La."
Nikasema, "L-A. La."
04:45
(Laughter)
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(Kicheko)
04:46
It was awesome.
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Ilikuwa babukubwa.
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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Yaani, sasa naweza, kwa mara ya kwanza
katika maisha yangu, kusoma.
katika maisha yangu, kusoma.
04:51
The feeling that I got
from it was amazing.
from it was amazing.
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Hisia niliyoipata, ni ya kustaajabu sana.
04:55
And then at 22, feeling myself,
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Kisha, nikiwa na miaka 22,
nikijisikia mwenyewe,
nikijisikia mwenyewe,
04:58
feeling confident,
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nikijiamini,
05:00
I remembered what the OG told me.
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Nilikumbuka kile yule mzee aliniambia.
05:03
So I picked up the business section
of the newspaper.
of the newspaper.
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Kwa hiyo nilichukua
kurasa za biashara za gazeti.
kurasa za biashara za gazeti.
05:07
I wanted to find these rich white folks.
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Nilitaka kuwatafuta hawa matajiri weupe.
05:09
(Laughter)
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(Kicheko)
05:12
So I looked for that glimpse.
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Kwa hiyo nilitafuta ule muhtasari.
05:15
As I furthered my career
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Nilipokuwa nikijiendeleza kikazi
05:17
in teaching others how to
financially manage money and invest,
financially manage money and invest,
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nikifundisha wengine namna ya
kusimamia fedha na kuwekeza,
kusimamia fedha na kuwekeza,
05:21
I soon learned that I had to take
responsibility for my own actions.
responsibility for my own actions.
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punde nikajifunza kuwa
nilihitaji kuwajibika kwa matendo yangu.
nilihitaji kuwajibika kwa matendo yangu.
05:24
True, I grew up
in a very complex environment,
in a very complex environment,
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Kweli,
nilikulia kwenye mazingira tata sana,
nilikulia kwenye mazingira tata sana,
05:27
but I chose to commit crimes,
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lakini nilichagua kufanya uhalifu,
05:29
and I had to own up to that.
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na nilipaswa kukiri hilo.
05:31
I had to take responsibility
for that, and I did.
for that, and I did.
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Nilipaswa kuwajibika kwa hilo,
na nilifanya hivyo.
na nilifanya hivyo.
05:33
I was building a curriculum
that could teach incarcerated men
that could teach incarcerated men
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Nilikuwa nikiunda mtaala ambao
ungeweza kuwafundisha wafungwa
ungeweza kuwafundisha wafungwa
05:36
how to manage money
through prison employments.
through prison employments.
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namna ya kusimamia fedha
kupitia ajira za gerezani.
kupitia ajira za gerezani.
05:40
Properly managing our lifestyle
would provide transferrable tools
would provide transferrable tools
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Kutiisha mtindo wetu wa maisha
kungeweza kutoa zana zihamishikazo
kungeweza kutoa zana zihamishikazo
05:43
that we can use to manage money
when we reenter society,
when we reenter society,
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ambazo tunaweza kuzitumia kusimamia fedha
tunapoirudi kwenye jamii,
tunapoirudi kwenye jamii,
05:47
like the majority of people did
who didn't commit crimes.
who didn't commit crimes.
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kama watu wengi walivyofanya
ambao hawakufanya uhalifu.
ambao hawakufanya uhalifu.
05:50
Then I discovered
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Kisha niligundua
05:52
that according to MarketWatch,
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kulingana takwimu ya MarketWatch,
05:54
over 60 percent of the American population
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zaidi ya asilimia 60 ya wakazi wa Marekani
05:57
has under 1,000 dollars in savings.
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wana chini ya Dola 1,000 katika akiba.
06:00
Sports Illustrated said that
over 60 percent of NBA players
over 60 percent of NBA players
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Michezo ilielezea kwamba zaidi ya asilimia 60 ya wachezaji wa NBA
06:03
and NFL players go broke.
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na wachezaji wa NFL hufilisika.
06:05
40 percent of marital problems
derive from financial issues.
derive from financial issues.
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Asilimia 40 ya matatizo ya ndoa
hutokana na masuala ya kifedha.
hutokana na masuala ya kifedha.
06:09
What the hell?
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Balaa gani?
06:10
(Laughter)
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(Kicheko)
06:12
You mean to tell me
that people worked their whole lives,
that people worked their whole lives,
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Unataka kuniambia,
watu wamefanya kazi maisha yao yote,
watu wamefanya kazi maisha yao yote,
06:15
buying cars, clothes,
homes and material stuff
homes and material stuff
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wakinunua magari, nguo, nyumba
na vitu mbalimbali
na vitu mbalimbali
06:17
but were living check to check?
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lakini walikuwa waliishi hundi kwa hundi?
06:20
How in the world were members of society
going to help incarcerated individuals
going to help incarcerated individuals
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Ni namna gani duniani wanajamii
wangekwenda kuwasaidia wafungwa
wangekwenda kuwasaidia wafungwa
06:24
back into society
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kurudi kwenye jamii
06:25
if they couldn't manage they own stuff?
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ikiwa hawakuweza kusimamia
mambo yao wenyewe?
mambo yao wenyewe?
06:28
We screwed.
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Tumevurugwa.
06:29
(Laughter)
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(Kicheko)
06:31
I needed a better plan.
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Nahitaji mpango mzuri zaidi.
06:34
This is not going to work out too well.
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Hii haitakwenda kufanya kazi vizuri.
06:37
So ...
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Hivyo ...
06:39
I thought.
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Nilifikiria.
06:43
I now had an obligation
to meet those on the path
to meet those on the path
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Sasa nilikuwa na wajibu kukutana
na wale waliokuwa kwenye mkondo huo
na wale waliokuwa kwenye mkondo huo
06:48
and help,
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na kuwasaidia,
06:49
and it was crazy because
I now cared about my community.
I now cared about my community.
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na ilikuwa ni ajabu sababu
sasa nilijali jumuiya yangu
sasa nilijali jumuiya yangu
06:52
Wow, imagine that.
I cared about my community.
I cared about my community.
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Lo, hebu fikiria.
Nilijali kuhusu jumuiya yangu.
Nilijali kuhusu jumuiya yangu.
06:56
Financial illiteracy is a disease
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Ujinga juu ya Fedha ni ugonjwa
06:58
that has crippled minorities
and the lower class in our society
and the lower class in our society
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ambao umedhohofisha wachache
na walio chini katika jamii yetu
na walio chini katika jamii yetu
07:02
for generations and generations,
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kwa vizazi na vizazi,
07:04
and we should be furious about that.
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na tunapaswa kukasirika juu ya hilo.
07:06
Ask yourselves this:
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Ebu jiulize:
07:08
How can 50 percent
of the American population
of the American population
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Inawezekanaje asilimia 50
ya wakazi wa Marekani
ya wakazi wa Marekani
07:11
be financially illiterate in a nation
driven by financial prosperity?
driven by financial prosperity?
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wasiwe na elimu ya fedha katika nchi
inayoendeshwa kwa ustawi wa kifedha?
inayoendeshwa kwa ustawi wa kifedha?
07:17
Our access to justice, our social status,
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Kupatikana kwa haki kwetu,
hadhi yetu ya kijamii,
hadhi yetu ya kijamii,
07:19
living conditions, transportation and food
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hali ya maisha, usafirishaji na chakula
07:22
are all dependent on money
that most people can't manage.
that most people can't manage.
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vyote vinategemea fedha
ambayo watu wengi hawawezi kuisimamia.
ambayo watu wengi hawawezi kuisimamia.
07:26
It's crazy!
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Ni ajabu!
07:27
It's an epidemic
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Ni janga
07:29
and a bigger danger to public safety
than any other issue.
than any other issue.
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na hatari kubwa kwa usalama wa umma
kuliko suala jingine lolote.
kuliko suala jingine lolote.
07:33
According to the California
Department of Corrections,
Department of Corrections,
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Kadiri ya
Kitengo cha Urekebishaji cha Kalifornia,
Kitengo cha Urekebishaji cha Kalifornia,
07:36
over 70 percent of those incarcerated
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zaidi ya asilimia 70 ya wale waliofungwa
07:38
have committed or have been charged
with money-related crimes:
with money-related crimes:
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wamefanya au wameshtakiwa kwa uhalifu
uhusianao na fedha:
uhusianao na fedha:
07:42
robberies, burglaries,
fraud, larceny, distortion --
fraud, larceny, distortion --
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wizi wa kutumia nguvu, kuvunja nyumba,
kutapeli, uporaji, ghusubu --
kutapeli, uporaji, ghusubu --
07:47
and the list goes on.
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na orodha inaendelea.
07:49
Check this out:
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Angalia hii:
07:51
a typical incarcerated person
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Mfungwa wa kawaida
07:54
would enter the California prison system
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huingia katika mfumo wa gereza
wa Kalifornia
wa Kalifornia
07:56
with no financial education,
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pasipo kuwa na elimu ya fedha,
07:58
earn 30 cents an hour,
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hupata ujira wa senti 30 kwa saa,
08:00
over 800 dollars a year,
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zaidi ya Dola 800 kwa mwaka,
08:03
with no real expenses and save no money.
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bila ya kuwa na matumizi yoyote
na kuweka akiba yoyote.
na kuweka akiba yoyote.
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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Anapopewa msamaha,
hupewa dola 200 pesa ya geti na kuambiwa,
hupewa dola 200 pesa ya geti na kuambiwa,
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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"Wee, mafanikio mema, kaa mbali na
matatizo. Usirudi gerezani tena."
matatizo. Usirudi gerezani tena."
08:14
With no meaningful preparation
or long-term financial plan,
or long-term financial plan,
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Bila kuwa na maandalizi yoyote ya maana
au mpango fedha wa muda mrefu,
au mpango fedha wa muda mrefu,
08:18
what does he do ... ?
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anafanyaje ...?
08:20
At 60?
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Akiwa na miaka 60?
08:23
Get a good job,
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Apate kazi nzuri,
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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au arudi kwenye tabia ile ile ya uhalifu
iliyompeleka gerezani kwanza?
iliyompeleka gerezani kwanza?
08:29
You taxpayers, you choose.
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Nyinyi walipakodi, chagueni wenyewe.
08:31
Well, his education
already chose for him, probably.
already chose for him, probably.
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Hakika, elimu yake
imeshamchagulia, pengine.
imeshamchagulia, pengine.
08:35
So how do we cure this disease?
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Kwa hiyo, tunatibuje ugonjwa huu?
08:38
I cofounded a program
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Nilishiriki kuanzisha programu
08:40
that we call Financial Empowerment
Emotional Literacy.
Emotional Literacy.
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tuliyoiita Elimu Hisia
ya Uwezeshaji wa Kifedha
ya Uwezeshaji wa Kifedha
08:44
We call it FEEL,
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tunaiita FEEL
08:46
and it teaches how do you separate
your emotional decisions
your emotional decisions
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na inafundisha namna ya kutenganisha
maamuzi ya kihisia
maamuzi ya kihisia
08:49
from your financial decisions,
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1976
na maamuzi ya kifedha,
08:51
and the four timeless rules
to personal finance:
to personal finance:
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na sheria 4 aushi
za utawala fedha binafsi:
za utawala fedha binafsi:
08:54
the proper way to save,
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njia sahihi ya kuweka akiba,
08:57
control your cost of living,
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kudhibiti gharama zako za maisha,
09:00
borrow money effectively
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kukopa fedha kwenye ufanisi
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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kutawanya fedha yako
kuruhusu fedha yako ikufanyie kazi
kuruhusu fedha yako ikufanyie kazi
09:05
instead of you working for it.
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badala ya wewe kuifanyia kazi.
09:07
Incarcerated people need these life skills
before we reenter society.
before we reenter society.
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Wafungwa wanahitaji ujuzi huu
kabla ya kuingia tena kwenye jamii.
kabla ya kuingia tena kwenye jamii.
09:13
You can't have full rehabilitation
without these life skills.
without these life skills.
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Hatuwezi kubadilika kuwa na maisha
ya kawaida bila ujuzi huu wa maisha.
ya kawaida bila ujuzi huu wa maisha.
09:17
This idea that only professionals
can invest and manage money
can invest and manage money
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Hii dhana kuwa ni Weledi tu
wanaweza kuwekeza na kusimamia fedha
wanaweza kuwekeza na kusimamia fedha
09:21
is absolutely ridiculous,
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ni ya fedheha kabisa,
09:23
and whoever told you that is lying.
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na yeyote aliyewaambia hivyo anadanganya.
09:25
(Applause)
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(Makofi na Vifijo)
09:30
A professional is a person
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Mweledi ni mtu
09:32
who knows his craft better than most,
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anayejua kazi zake kuliko walio wengi,
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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na hakuna mtu ajuaye kiasi gani cha fedha
wahitaji, unacho, au wataka zaidi ya wewe,
wahitaji, unacho, au wataka zaidi ya wewe,
09:40
which means you are the professional.
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ikimaanisha kuwa wewe ni mweledi.
09:42
Financial literacy is not a skill,
ladies and gentlemen.
ladies and gentlemen.
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Elimu ya fedha siyo stadi,
mabibi na mabwana.
mabibi na mabwana.
09:47
It's a lifestyle.
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Ni mtindo wa maisha.
09:49
Financial stability is a byproduct
of a proper lifestyle.
of a proper lifestyle.
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Uimara wa kifedha ni matokeo ya ziada
ya mtindo sahihi wa maisha.
ya mtindo sahihi wa maisha.
09:54
A financially sound incarcerated person
can become a taxpaying citizen,
can become a taxpaying citizen,
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Mfungwa mwenye elimu nzuri ya kifedha
anaweza kuwa mwananchi mlipakodi,
anaweza kuwa mwananchi mlipakodi,
09:58
and a financially sound
taxpaying citizen can remain one.
taxpaying citizen can remain one.
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na mwananchi mlipakodi mwenye elimu
nzuri ya kifedha anaweza kubaki hivyo.
nzuri ya kifedha anaweza kubaki hivyo.
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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Hii inatuwezesha kuunda daraja
kati ya wale watu tunaowashawishi:
kati ya wale watu tunaowashawishi:
10:06
family, friends and those young people
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familia, marafiki na wale vijana
10:09
who still believe
that crime and money are related.
that crime and money are related.
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ambao bado wanaamini
kuwa uhalifu na pesa vina uhusiano.
kuwa uhalifu na pesa vina uhusiano.
10:13
So let's lose the fear and anxiety
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Kwa hiyo tupoteze uwoga na wasiwasi
10:16
of all the big financial words
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wa maneno makubwa ya kifedha
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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na ujinga mwingine wote
ambao mmekuwa mkisikia huko nje.
ambao mmekuwa mkisikia huko nje.
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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Na tujikite kwenye kiini
kilichokuwa kinadhoofisha jamii yetu
kilichokuwa kinadhoofisha jamii yetu
10:25
from taking care of your responsibility
to be better life managers.
to be better life managers.
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kuanzia kutimiza wajibu wako
la kuwa meneja mzuri wa maisha.
la kuwa meneja mzuri wa maisha.
10:31
And let's provide a simple
and easy to use curriculum
and easy to use curriculum
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Na tutoe mtaala mwepesi na rahisi kutumia
10:34
that gets to the heart, the heart
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ambao utaingia kwenye kiini, kiini
10:36
of what financial empowerment
and emotional literacy really is.
and emotional literacy really is.
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cha ni nini ukweli wa
uwezeshaji wa kifedha na elimu ya hisia.
uwezeshaji wa kifedha na elimu ya hisia.
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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Sasa, ikiwa umekaa hapa kwa wasikilizaji
na umesema,
na umesema,
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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"Ndiyo, kweli, hiyo si mimi
na sikubaliani nayo,"
na sikubaliani nayo,"
10:45
then come take my class --
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basi njoo uchukue somo langu --
10:47
(Laughter)
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(Kicheko)
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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ili nikuoneshe ni kiasi gani cha pesa
inakugharimu kila unaposhikwa na hisia.
inakugharimu kila unaposhikwa na hisia.
10:53
(Applause)
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(Makofi na Vifijo)
10:59
Thank you very much. Thank you.
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Asanteni sana. Asanteni.
11:01
(Applause)
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(Makofi na Vifijo)
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