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

Translator: Liis Oblikas Reviewer: Aari Lemmik

I was 14 years old

Olin 14-aastane

inside of a bowling alley,

kui varastasin tühjaks keeglisaalis asunud mänguautomaadi.

burglarizing an arcade game,

and upon exiting the building

Kui hakkasin välja minema, haaras turvamees mul käest.

a security guard grabbed my arm, so I ran.

I ran down the street, and I jumped on top of a fence.

Panin mööda tänavat jooksu ja tahtsin üle piirdeaia hüpata.

And when I got to the top,

Kui end piirdeaiale püüdsin vinnata

the weight of 3,000 quarters in my book bag

tiris mu kotis olnud 3000 25-sendise raskus mind alla tagasi.

pulled me back down to the ground.

So when I came to, the security guard was standing on top of me,

Kui ma teadvusele tulin, seisis turvamees mu kohal

and he said, "Next time you little punks steal something you can carry."

ja ütles: "Järgmine kord, tatikas, varasta midagi, mida kanda jaksad."

(Laughter)

(Naer)

I was taken to juvenile hall

Mind viidi noortevanglasse

and when I was released into the custody of my mother,

ja kui mind sealt ema käendusel vabaks lasti,

the first words my uncle said was, "How'd you get caught?"

oli mu onu esimene küsimus: "Kuidas nad su kätte said?"

I said, "Man, the book bag was too heavy."

Vastasin: "Mu kott oli liiga raske."

Tema vastu: "Poleks pidanud kogu raha võtma."

He said, "Man, you weren't supposed to take all the quarters."

Ma ütlesin: "Need olid nii väikesed mündid, mis ma sain teha?"

I said, "Man, they were small. What am I supposed to do?"

And 10 minutes later, he took me to burglarize another arcade game.

Ja 10 minutit hiljem viis ta mu järgmist mänguautomaati tühjendama.

We needed gas money to get home.

Meil oli vaja kojusõiduks bensuraha.

That was my life.

Selline mu elu oli.

I grew up in Oakland, California,

Kasvasin üles Oaklandis Californias

with my mother and members of my immediate family

koos ema ja lähisugulastega,

addicted to crack cocaine.

kes olid kokaiinisõltlased.

My environment consisted of living with family, friends,

Mu elukeskkonnaks oligi mu pere, sõbrad

and homeless shelters.

ja kodutute varjupaigad.

Oftentimes, dinner was served in breadlines and soup kitchens.

Tihti sain oma õhtusöögi toiduabist ja supiköögist.

The big homey told me this:

Mu sõber ütles, et raha valitseb maailma

money rules the world

ja kõik sõltub rahast.

and everything in it.

And in these streets, money is king.

Ja siin tänavatel on võim raha käes.

And if you follow the money,

Kui sa järgned rahale,

it'll lead you to the bad guy or the good guy.

jõuad välja kas hea või halva inimeseni.

Soon after, I committed my first crime,

Varsti tegingi oma esimese kuriteo

and it was the first time that I was told that I had potential

ja mulle öeldi esimest korda elus, et mul on potensiaali

and felt like somebody believed in me.

ja tundsin, et keegi usub minusse.

Nobody ever told me that I could be a lawyer,

Keegi ei öelnud mulle kunagi,

et minust võiks saada advokaat, arst või insener.

doctor or engineer.

I mean, how was I supposed to do that? I couldn't read, write or spell.

Kuidas võinukski, kui ma ei osanud lugeda ega kirjutada?

Olin kirjaoskamatu.

I was illiterate.

So I always thought crime was my way to go.

Seega arvasin, et kuritegevus on mu ainuke võimalus.

And then one day

Ühel päeval

I was talking to somebody

rääkisin ühe tüübiga,

and he was telling me about this robbery that we could do.

kes mainis, et võiksime koos ühe röövi ette võtta.

And we did it.

Seda me tegimegi.

The reality was that I was growing up

Olgugi, et kasvasin üles ühes maailma rikkaimas riigis,

in the strongest financial nation in the world,

the United States of America,

Ameerika Ühendriikides,

while I watched my mother stand in line at a blood bank

pidin nägema, kuidas mu ema seisab verekeskuse sabas,

to sell her blood for 40 dollars just to try to feed her kids.

et müüa 40 dollari eest oma verd ja lastele süüa osta.

She still has the needle marks on her arms to day to show for that.

Tal on kätel endiselt süstlaarmid, mis seda tõestavad.

So I never cared about my community.

Ühesõnaga, mul oli suva oma kogukonnast.

They didn't care about my life.

Mina neile korda ei läinud.

Everybody there was doing what they were doing to take what they wanted,

Kõik vaatasid, kuidas saada oma tahtmist.

Narkodiilerid, vargad, verepank.

the drug dealers, the robbers, the blood bank.

Kõik kasutasid vere hinnaga saadud raha.

Everybody was taking blood money.

So I got mine by any means necessary.

Ka mina krabasin oma osa, kuidas vaid sain.

I got mine.

Võtsin enda jao.

Financial literacy really did rule the world,

Need, kes oskasid rahaga ümber käia, valitsesid maailma

and I was a child slave to it

ja mina olin vaid lapsori,

following the bad guy.

käies halva jälgedes.

At 17 years old, I was arrested for robbery and murder

17-aastaselt vahistati mind varguse ja mõrva eest

and I soon learned that finances in prison rule more than they did on the streets,

ja sain teada, et raha võim on vanglas veelgi suurem kui tänaval

so I wanted in.

ja mina tahtsin ka.

One day, I rushed to grab the sports page of the newspaper

Ükspäev haarasin kiiruga ajalehe spordikülje,

so my cellie could read it to me,

et mu kongikaaslane seda mulle loeks,

and I accidentally picked up the business section.

kuid kogemata olin krabanud majanduskülje.

And this old man said, "Hey youngster, you pick stocks?"

Vana küsis: "Kuule noormees, kas sa tegeled aktsiatega?"

And I said, "What's that?"

Ja ma küsisin: "Mis see veel on?"

He said, "That's the place where white folks keep all their money."

Ta ütles: "See on see koht, kus valged kogu oma raha hoiavad."

(Laughter)

(Naer)

And it was the first time that I saw a glimpse of hope,

See oli esimene kord, kui mulle koitis lootusekiir

a future.

ja nägin endal tulevikku.

He gave me this brief description of what stocks were,

Ta rääkis veidi, mis need aktsiad on,

but it was just a glimpse.

aga hästi lühidalt.

I mean, how was I supposed to do it?

Kuidas ma saaksin ka seda teha?

I couldn't read, write or spell.

Ma ei oska ju lugeda ega kirjutada...

The skills that I had developed to hide my illiteracy

Oskused, millega varjasin kirjaoskuse puudumist

no longer worked in this environment.

olid ses uues keskkonnas kasutud.

I was trapped in a cage, prey among predators,

Ma olin puuris, saak kiskjate vahel ning võitlesin vabaduse eest

fighting for freedom I never had.

mida mul kunagi ei olnud.

I was lost, tired,

Tundsin lootusetust ja väsimust,

and I was out of options.

mul ei olnud mingeid väljavaateid.

So at 20 years old,

Nii võtsin ma 20-aastaselt ette

I did the hardest thing I'd ever done in my life.

oma elu kõige raskema asja.

I picked up a book,

Ma võtsin kätte raamatu

and it was the most agonizing time of my life,

ja proovisin hakkama saada millegi kohutavalt raskega -

trying to learn how to read,

üritasin lugema õppida.

the ostracizing from my family,

Eemaldusin oma perest,

the homeys.

oma sõpradest.

It was rough, man.

See oli väga karm,

It was a struggle.

see oli võitlus.

But little did I know

Ma ei kujutanud ette,

I was receiving the greatest gifts I had ever dreamed of:

et olin saanud elu suurima kingituse:

self-worth,

eneseväärikuse,

knowledge, discipline.

teadmised, distsipliini.

I was so excited to be reading that I read everything I could get my hands on:

Ma olin lugemisest nii pöördes, et lugesin kõike, mis ette juhtus:

candy wrappers, clothing logos, street signs, everything.

kommipabereid, riidesilte, liiklusmärke, kõike.

I was just reading stuff!

Ma lihtsalt lugesin!

(Applause)

(Aplaus)

Just reading stuff.

Lugesin kõike!

I was so excited to know how to read and know how to spell.

Ma tohutus vaimustuses lugemisest ja tähthaaval sõnade ütlemisest.

The homey came up, said, "Man, what you eating?"

Sõber tuli juurde ja küsis: "Mis sa sööd?"

I said, "C-A-N-D-Y, candy."

Ma ütlesin, et K-O-M-M-I, kommi.

(Laughter)

(Naer)

He said, "Let me get some." I said, "N-O. No."

Ta ütles, et anna mulle ka. Ma ütlesin: "E-I, ei."

(Laughter)

(Naer)

It was awesome.

See oli superlahe!

I mean, I can actually now for the first time in my life read.

Esimest korda elus oskan ma lugeda!

The feeling that I got from it was amazing.

See oli erakordselt lahe tunne!

And then at 22, feeling myself,

22-aastasena, tundes end hästi ja enesekindlalt,

feeling confident,

I remembered what the OG told me.

meenus see, mida kambrikaaslane ütles.

So I picked up the business section of the newspaper.

Otsisin välja ajalehe majanduskülje.

I wanted to find these rich white folks.

Tahtsin need rikkad valged üles leida.

(Laughter)

(Naer)

So I looked for that glimpse.

Nii et uurisin seda asja lähemalt.

As I furthered my career

Kui ma siis tööalaselt edasi liikusin ja teistele õpetama hakkasin,

in teaching others how to financially manage money and invest,

kuidas oma raha hallada ja investeerida,

I soon learned that I had to take responsibility for my own actions.

mõistsin, et pean võtma vastutuse oma tegude eest.

True, I grew up in a very complex environment,

Tõsi, kasvasin üles väga keerulistes oludes,

but I chose to commit crimes,

kuid kuritegelikule teele minek oli minu enda valik

and I had to own up to that.

ning pidin seda tunnistama.

I had to take responsibility for that, and I did.

Mul tuli võtta vastutus ja tegin seda.

I was building a curriculum that could teach incarcerated men

Koostasin vangidele õppeakava,

how to manage money through prison employments.

kuidas vanglas töötades oma raha hallata.

Properly managing our lifestyle would provide transferrable tools

Oma elustiili korrastamine annab vajalikud oskused,

that we can use to manage money when we reenter society,

mis tulevad kasuks ühiskonda naasmisel,

like the majority of people did who didn't commit crimes.

nii nagu teevad inimesed, kes kuritegelikule teele ei läinud.

Then I discovered

Sain siis ka teada,

et Market Watchi küsitluse kohaselt

that according to MarketWatch,

over 60 percent of the American population

oli üle 60% ameeriklastest

has under 1,000 dollars in savings.

vähem kui 1000 dollarit sääste.

Sports Illustrated said that over 60 percent of NBA players

Sports Illustrated kirjutas, et üle 60% NBA ja NFL-i mängijatest

and NFL players go broke.

40 percent of marital problems derive from financial issues.

lähevad pankrotti.

40% abielutülidest tulenevad rahalistest probleemidest.

What the hell?

Mida paganat?

(Laughter)

(Naer)

You mean to tell me that people worked their whole lives,

Kas ongi nii, et inimesed töötavad kogu oma elu,

buying cars, clothes, homes and material stuff

ostavad autosid, riideid, maju ja muud,

but were living check to check?

aga elavad palgapäevast palgapäevani?

How in the world were members of society going to help incarcerated individuals

Kuidas nad peaksid siis aitama vangidel

tagasi ühiskonda sulanduda,

back into society

if they couldn't manage they own stuff?

kui nad ei suuda endagi elu majandada?

We screwed.

Mõttetud mehed!

(Laughter)

(Naer)

I needed a better plan.

Vaja oli paremat lahendust.

This is not going to work out too well.

See ilmselgelt ei toimi.

So ...

Seega...

I thought.

Mõtlesin asja üle järele.

I now had an obligation to meet those on the path

Mul oli nüüd kohustus aidata neid,

kes olid selle tee valinud,

and help,

and it was crazy because I now cared about my community.

mis oli uskumatu, sest nüüd ma hoolisin oma kogukonnast.

Wow, imagine that. I cared about my community.

Wow! Kujutage ette.

Mulle lähebki see korda.

Financial illiteracy is a disease

Finantskirjaoskamatus on haigus,

that has crippled minorities and the lower class in our society

mis on halvanud meie ühiskonna vähemused ja vähemprivilegeeritud klassid

for generations and generations,

põlvkondade kaupa.

and we should be furious about that.

Meid peaks see väga vihaseks tegema.

Ask yourselves this:

Küsige endalt:

How can 50 percent of the American population

kuidas saab 50% Ameerika elanikkonnast

be financially illiterate in a nation driven by financial prosperity?

olla majanduslikus mõttes kirjaoskamatud riigis, mis on maailma majanduse lipulaev?

Our access to justice, our social status,

Õigussüsteemi kättesaadavus, meie sotsiaalne staatus,

living conditions, transportation and food

elutingimused, transport ja toit

are all dependent on money that most people can't manage.

on kõik sõltuvuses rahast, mida enamik inimesi ei oska hallata.

It's crazy!

See on hullumeelsus!

It's an epidemic

See on epideemia

and a bigger danger to public safety than any other issue.

ja suurem oht ühiskonna turvalisusele

kui mis tahes muu probleem.

According to the California Department of Corrections,

California Vanglaameti andmetel

over 70 percent of those incarcerated

on rohkem kui 70% vangidest

have committed or have been charged with money-related crimes:

sooritanud rahaga seonduva kuriteo:

robberies, burglaries, fraud, larceny, extortion --

vargused, sissemurdmised, pettused, väljapressimised -

and the list goes on.

ja nii edasi.

Check this out:

Kuulake seda:

a typical incarcerated person

tüüpiline kinnipeetu

would enter the California prison system

siseneb California vanglasüsteemi

with no financial education,

ilma igasuguse rahalise hariduseta,

earn 30 cents an hour,

ta teenib 30 senti tunnis,

over 800 dollars a year,

mis teeb veidi üle 800 dollari aastas,

with no real expenses and save no money.

ilma eriliste väljaminekuteta ja ei säästa midagi.

Upon his parole, he will be given 200 dollars gate money and told,

Kui see inimene vanglast vabaneb, antakse talle 200 dollarit ja öeldakse:

"Hey, good luck, stay out of trouble. Don't come back to prison."

"Palju edu, ära jamadesse satu ega siia tagasi tule."

With no meaningful preparation or long-term financial plan,

Ilma mingi ettevalmistuse või pikema rahalise plaanita,

what does he do ... ?

mida ta teeb?

At 60?

60-aastaselt?

Get a good job,

Läheb tööle või naaseb kriminaalse käitumise juurde, mis ta vangi viis?

or go back to the very criminal behavior that led him to prison in the first place?

You taxpayers, you choose.

Teie olete maksumaksjad - valige.

Well, his education already chose for him, probably.

Tema haridus ilmselt valis juba tema eest.

So how do we cure this disease?

Kuidas me ravime seda haigust?

I cofounded a program

Me asutasime ühe programmi

that we call Financial Empowerment Emotional Literacy.

mille nimi on "Financial Empowerment Emotional Literacy"

We call it FEEL,

Me kutsume seda FEELiks

and it teaches how do you separate your emotional decisions

ja see õpetab eraldama emotsionaalseid otsuseid

from your financial decisions,

majanduslikest otsustest

and the four timeless rules to personal finance:

ja annab neli reeglit oma rahaga ümberkäimiseks:

the proper way to save,

kuidas säästa,

control your cost of living,

kulusid kontrolli all hoida,

borrow money effectively

mõistlikult laenu võtta

and diversify your finances by allowing your money to work for you

ja oskuslikult investeerida,

et mitte raha nimel rügada, vaid panna raha enda heaks tööle.

instead of you working for it.

Incarcerated people need these life skills before we reenter society.

Vangid vajavad neid oskusi ühiskonda naasmiseks

You can't have full rehabilitation without these life skills.

Ei ole võimalik täielikult ühiskonda sulanduda,

kui need oskused puuduvad.

This idea that only professionals can invest and manage money

Mõte, et ainult professionaalid saavad investeerida ja raha haldada

is absolutely ridiculous,

on naeruväärne

and whoever told you that is lying.

ja kes iganes seda ütles,

(Applause)

räägib valet.

(Aplaus)

A professional is a person

Professionaal on keegi,

who knows his craft better than most,

kes oskab oma tööd paremini, kui enamik teisi inimesi

and nobody knows how much money you need, have or want better than you,

ja sina tead kõige paremini, kui palju raha sa vajad, omad või tahad,

which means you are the professional.

seega oledki sa professionaal.

Financial literacy is not a skill, ladies and gentlemen.

Finantskirjaoskus ei ole lihtsalt oskus,

daamid ja härrad,

It's a lifestyle.

see on elustiil.

Financial stability is a byproduct of a proper lifestyle.

Majanduslik stabiilsus kaasneb õige elustiiliga.

A financially sound incarcerated person can become a taxpaying citizen,

Majanduslikult mõtlevast vangist võib saada tubli maksumaksja.

and a financially sound taxpaying citizen can remain one.

Majanduslikult mõistlik maksumaksja jätkab nii ka edaspidi.

This allows us to create a bridge between those people who we influence:

See võimaldab luua sideme inimestega, keda saame mõjutada:

family, friends and those young people

pere, sõprade ja nende noortega,

who still believe that crime and money are related.

kes siiani usuvad, et kuritegevus ja raha käivad käsikäes.

So let's lose the fear and anxiety

Teeme lõpu hirmule ja ebakindlusele

of all the big financial words

nende keeruliste majandusterminite

and all that other nonsense that you've been out there hearing.

ja kõige muu jama ees, mida räägitakse.

And let's get to the heart of what's been crippling our society

Tegeleme ühiskonda halvava probleemi põhiolemusega,

from taking care of your responsibility to be better life managers.

mis takistab meil olemast oma elus

vastutustundlikumad majandajad

And let's provide a simple and easy to use curriculum

Teeme valmis lihtsa õppekava,

that gets to the heart, the heart

mis keskendub finantskirjaoskuse

of what financial empowerment and emotional literacy really is.

ja emotsionaalse pädevuse põhiolemusele.

Now, if you're sitting out here in the audience and you said,

Kui istud seal publiku hulgas ja mõtled,

"Oh yeah, well, that ain't me and I don't buy it,"

et see pole minu jaoks ja seda ma ei usu,

then come take my class --

siis tule mu koolitusele.

(Laughter)

(Naer)

so I can show you how much money it costs you every time you get emotional.

Et teaksite, kui palju läheb teile maksma iga kord,

kui oma emotsioonide üle kontrolli kaotate.

(Applause)

(Aplaus)

Thank you very much. Thank you.

Tänan!

(Applause)

(Aplaus)