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

4,225,650 views ใƒป 2017-05-18

TED


์•„๋ž˜ ์˜๋ฌธ์ž๋ง‰์„ ๋”๋ธ”ํด๋ฆญํ•˜์‹œ๋ฉด ์˜์ƒ์ด ์žฌ์ƒ๋ฉ๋‹ˆ๋‹ค.

๋ฒˆ์—ญ: Gichung Lee ๊ฒ€ํ† : Seo-Ho Cho
00:12
I was 14 years old
0
12780
2056
์ €๋Š” 14์‚ด ๋•Œ
00:14
inside of a bowling alley,
1
14860
1576
๋ณผ๋ง์žฅ ์•ˆ์—์„œ
00:16
burglarizing an arcade game,
2
16460
1760
๊ฒŒ์ž„๊ธฐ๋ฅผ ํ„ธ์—ˆ์Šต๋‹ˆ๋‹ค.
00:19
and upon exiting the building
3
19020
1776
๊ฑด๋ฌผ์„ ๋‚˜์˜ค์ž๋งˆ์ž
00:20
a security guard grabbed my arm, so I ran.
4
20820
2200
๋ณด์•ˆ ์š”์›์ด ์ œ ํŒ”์„ ์žก์•˜๊ณ , ์ „ ๋„๋ง์ณค์Šต๋‹ˆ๋‹ค.
00:23
I ran down the street, and I jumped on top of a fence.
5
23580
2976
๊ธธ์„ ๋”ฐ๋ผ ๋‹ฌ๋ฆฌ๋‹ค๊ฐ€ ์šธํƒ€๋ฆฌ๋ฅผ ๋„˜์œผ๋ ค ๋›ฐ์—ˆ์ฃ .
00:26
And when I got to the top,
6
26580
1616
์šธํƒ€๋ฆฌ๋ฅผ ๋„˜์–ด๊ฐ€๋ ค๋Š” ์ˆœ๊ฐ„
00:28
the weight of 3,000 quarters in my book bag
7
28220
2176
์ฑ…๊ฐ€๋ฐฉ์— ๋„ฃ์€ 3,000๊ฐœ์˜ ๋™์ „ ๋ฌด๊ฒŒ ๋•Œ๋ฌธ์—
00:30
pulled me back down to the ground.
8
30420
1640
์ €๋Š” ๋‹ค์‹œ ๋•…์œผ๋กœ ๋–จ์–ด์กŒ์–ด์š”.
00:32
So when I came to, the security guard was standing on top of me,
9
32700
3056
์ œ๊ฐ€ ๋„˜์–ด์ง€์ž ๋ณด์•ˆ ์š”์›์€ ์ œ ์œ„์— ์„œ์„œ ์ด๋ ‡๊ฒŒ ๋งํ–ˆ์ฃ .
00:35
and he said, "Next time you little punks steal something you can carry."
10
35780
3416
"์ด ์กฐ๋ฌด๋ž˜๊ธฐ ๋…€์„์•„, ๋‹ค์Œ์—๋Š” ๋„ค๊ฐ€ ๋“ค ์ˆ˜ ์žˆ๋Š” ๋งŒํผ๋งŒ ํ›”์ณ."
00:39
(Laughter)
11
39220
2016
(์›ƒ์Œ)
00:41
I was taken to juvenile hall
12
41260
2136
์ €๋Š” ์†Œ๋…„์›์œผ๋กœ ์ด์†ก๋˜์—ˆ๊ณ 
00:43
and when I was released into the custody of my mother,
13
43420
2560
ํ’€๋ ค๋‚˜์„œ ์—„๋งˆ ํ’ˆ์œผ๋กœ ๋‹ค์‹œ ๋Œ์•„๊ฐ”์„ ๋–„
00:46
the first words my uncle said was, "How'd you get caught?"
14
46900
2976
์‚ผ์ดŒ์˜ ์ฒซ๋งˆ๋””๋Š” ์ด๊ฑฐ์˜€์–ด์š”. "์–ด๋–ป๊ฒŒ ์žกํ˜”์–ด?"
00:49
I said, "Man, the book bag was too heavy."
15
49900
2176
์ €๋Š” ๋งํ–ˆ์ฃ . "์ฑ…๊ฐ€๋ฐฉ์ด ๋„ˆ๋ฌด ๋ฌด๊ฑฐ์› ์–ด์š”."
00:52
He said, "Man, you weren't supposed to take all the quarters."
16
52100
2936
์‚ผ์ดŒ์ด ๋งํ–ˆ์Šต๋‹ˆ๋‹ค. "์•ผ, ๋™์ „์„ ๋‹ค ๋„ฃ์—ˆ๋‹จ ๋ง์ด์•ผ?"
์ œ๊ฐ€ ๋งํ–ˆ์ฃ . "์–ผ๋งˆ ์•ˆ๋˜๋˜๋ฐ. ๊ทธ๋Ÿผ ์–ด๋–กํ•ด์š”."
00:55
I said, "Man, they were small. What am I supposed to do?"
17
55060
2816
00:57
And 10 minutes later, he took me to burglarize another arcade game.
18
57900
4896
๊ทธ๋ฆฌ๊ณ  10๋ถ„ ๋งŒ์—, ์‚ผ์ดŒ์€ ๋˜๋‹ค๋ฅธ ์˜ค๋ฝ์‹ค์„ ํ„ธ๋ ค๊ณ  ์ €๋ฅผ ๋ฐ๋ ค๊ฐ”์Šต๋‹ˆ๋‹ค.
01:02
We needed gas money to get home.
19
62820
1640
์ง‘์— ๊ฐˆ ๊ธฐ๋ฆ„๊ฐ’์ด ํ•„์š”ํ–ˆ๊ฑฐ๋“ ์š”.
01:05
That was my life.
20
65100
1200
์ด๊ฒƒ์ด ์ €์˜ ์‚ถ์ž…๋‹ˆ๋‹ค.
01:07
I grew up in Oakland, California,
21
67260
1856
์ €๋Š” ์บ˜๋ฆฌํฌ๋‹ˆ์•„ ์˜คํด๋žœ๋“œ์—์„œ
01:09
with my mother and members of my immediate family
22
69140
2336
์–ด๋จธ๋‹ˆ์™€ ํ˜•์ œ๋“ค๊ณผ ํ•จ๊ป˜ ์‚ด์•˜์Šต๋‹ˆ๋‹ค.
01:11
addicted to crack cocaine.
23
71500
1240
๋‹ค๋“ค ๋งˆ์•ฝ์ค‘๋…์ž๋“ค์ด์—ˆ์ฃ .
01:13
My environment consisted of living with family, friends,
24
73380
4440
์ €์˜ ์ฃผ๋ณ€ํ™˜๊ฒฝ์€ ๊ฐ€์กฑ, ์นœ๊ตฌ๋“ค, ๊ทธ๋ฆฌ๊ณ 
01:18
and homeless shelters.
25
78780
1600
๋…ธ์ˆ™์ž ์‰ผํ„ฐ๋กœ ์ด๋ฃจ์–ด์ ธ ์žˆ์—ˆ์ฃ .
01:20
Oftentimes, dinner was served in breadlines and soup kitchens.
26
80860
3680
์ข…์ข… ์‹๋Ÿ‰ ๋ฐฐ๊ธ‰์„ ์ค„ ์„œ์„œ ๊ธฐ๋‹ค๋ฆฌ๊ฑฐ๋‚˜ ๋ฌด๋ฃŒ ๊ธ‰์‹์†Œ์—์„œ ์ €๋…์„ ๋จน์—ˆ์–ด์š”.
01:25
The big homey told me this:
27
85260
1856
์ œ ์ ˆ์นœ์€ ์ด๋Ÿฐ ๋ง์„ ํ–ˆ์–ด์š”.
01:27
money rules the world
28
87140
1976
"๋ˆ์ด ์„ธ์ƒ์„ ์ง€๋ฐฐํ•˜๊ณ 
01:29
and everything in it.
29
89140
1216
๋ˆ์ด ์ „๋ถ€์•ผ.
01:30
And in these streets, money is king.
30
90380
2080
๊ฑฐ๋ฆฌ์—์„œ๋Š” ๋ˆ์ด ์™•์ด์ง€."
01:33
And if you follow the money,
31
93140
1616
๊ทธ๋Ÿฐ๋ฐ ๋ˆ์„ ๋”ฐ๋ฅด๋‹ค๋ณด๋ฉด
01:34
it'll lead you to the bad guy or the good guy.
32
94780
2520
๋‚˜์œ ์‚ฌ๋žŒ์ด ๋˜๊ฑฐ๋‚˜, ์•„๋‹ˆ๋ฉด ์ฐฉํ•œ ์‚ฌ๋žŒ์ด ๋˜์ฃ .
01:37
Soon after, I committed my first crime,
33
97900
2536
์–ผ๋งˆ ๋’ค์— ์ €๋Š” ์ฒซ ๋ฒˆ์งธ ๋ฒ”์ฃ„๋ฅผ ์ €์ง€๋ฅด๊ฒŒ ๋ฉ๋‹ˆ๋‹ค.
01:40
and it was the first time that I was told that I had potential
34
100460
2976
์ฒ˜์Œ์œผ๋กœ ์ €๋Š” ๊ฐ€๋Šฅ์„ฑ์ด ์žˆ๋‹ค๋Š” ๋ง์„ ๋“ค์—ˆ์–ด์š”.
01:43
and felt like somebody believed in me.
35
103460
1840
๋ˆ„๊ตฐ๊ฐ€ ๋‚˜๋ฅผ ๋ฏฟ์–ด์ฃผ๋Š” ๋Š๋‚Œ์ด ๋“ค์—ˆ์ฃ .
01:46
Nobody ever told me that I could be a lawyer,
36
106060
2136
์ œ๊ฐ€ ๋ณ€ํ˜ธ์‚ฌ, ์˜์‚ฌ๋‚˜ ์—”์ง€๋‹ˆ์–ด๊ฐ€ ๋  ๊ฑฐ๋ผ๊ณ  ๋งํ•ด์ค€ ์‚ฌ๋žŒ์€ ์•„๋ฌด๋„ ์—†์—ˆ์–ด์š”.
01:48
doctor or engineer.
37
108220
1656
01:49
I mean, how was I supposed to do that? I couldn't read, write or spell.
38
109900
3416
์ œ๊ฐ€ ์–ด๋–ป๊ฒŒ ๊ทธ๋Ÿด ์ˆ˜๊ฐ€ ์žˆ๊ฒ ์–ด์š”?
์ฝ๊ธฐ, ์“ฐ๊ธฐ, ์ฒ ์ž๋„ ๋ชจ๋ฅด๋Š”๋ฐ์š”. ์ €๋Š” ๊ธ€์„ ๋ชฐ๋ž๊ฑฐ๋“ ์š”.
01:53
I was illiterate.
39
113340
1216
01:54
So I always thought crime was my way to go.
40
114580
2560
๊ทธ๋ž˜์„œ ์ €๋Š” ํ•ญ์ƒ ๋ฒ”์ฃ„๊ฐ€ ์ œ๊ฐ€ ์‚ด ๊ธธ์ด๋ผ๊ณ  ์ƒ๊ฐํ–ˆ์–ด์š”.
01:59
And then one day
41
119300
1696
๊ทธ๋Ÿฌ๋˜ ์–ด๋Š ๋‚ 
02:01
I was talking to somebody
42
121020
1256
๋ˆ„๊ตฐ๊ฐ€์™€ ์–˜๊ธฐ ํ•˜๋˜ ์ค‘์—
02:02
and he was telling me about this robbery that we could do.
43
122300
3600
๊ทธ๊ฐ€ ํ•จ๊ป˜ ๊ฐ•๋„์งˆ์„ ํ•˜์ž๊ณ  ์ œ๊ฒŒ ์ œ์•ˆ์„ ํ–ˆ์Šต๋‹ˆ๋‹ค.
02:06
And we did it.
44
126580
1200
์šฐ๋ฆฌ๋Š” ์‹คํ–‰์— ์˜ฎ๊ฒผ์ฃ .
02:08
The reality was that I was growing up
45
128900
1816
ํ˜„์‹ค์˜ ์ €๋Š” ์„ธ๊ณ„์—์„œ ๊ฐ€์žฅ ๊ฐ•๋ ฅํ•œ
02:10
in the strongest financial nation in the world,
46
130740
2216
๊ธˆ์œต ๊ตญ๊ฐ€์—์„œ ์ž๋ž๋‹ค๋Š” ๊ฒƒ์ž…๋‹ˆ๋‹ค.
02:12
the United States of America,
47
132980
1856
๋ฏธ๊ตญ์ด์ฃ .
02:14
while I watched my mother stand in line at a blood bank
48
134860
4080
๋™์‹œ์— ์ €๋Š” ์ €ํฌ ์–ด๋จธ๋‹ˆ๊ฐ€ ์šฐ๋ฆฌ๋ฅผ ๋จน์—ฌ ์‚ด๋ฆฌ๋ ค๊ณ 
02:20
to sell her blood for 40 dollars just to try to feed her kids.
49
140500
3680
40๋‹ฌ๋Ÿฌ์— ํ”ผ๋ฅผ ํŒ”๋ ค๊ณ  ํ˜ˆ์•ก์€ํ–‰์—์„œ ์ค„์„ ์„œ ์žˆ๋Š” ๊ฒƒ์„ ๋ชฉ๊ฒฉํ•˜๊ธฐ๋„ ํ–ˆ์ฃ .
02:25
She still has the needle marks on her arms to day to show for that.
50
145140
3320
์ด๋ฅผ ์ฆ๋ช…์ด๋ผ๋„ ํ•˜๋“ฏ์ด ์—„๋งˆ ํŒ”์—๋Š” ์•„์ง๋„ ๋ฐ”๋Š˜ ์ž๊ตญ์ด ๋‚จ์•„ ์žˆ์Šต๋‹ˆ๋‹ค.
02:29
So I never cared about my community.
51
149300
1736
์ €๋Š” ์ œ ์ฃผ๋ณ€ ์‚ฌ๋žŒ๋“ค์—๊ฒŒ ์•„์˜ˆ ๊ด€์‹ฌ์ด ์—†์—ˆ์–ด์š”.
02:31
They didn't care about my life.
52
151060
1496
๊ทธ๋“ค๋„ ์ œ ์‚ถ์—๋Š” ๊ด€์‹ฌ์ด ์—†์ฃ .
02:32
Everybody there was doing what they were doing to take what they wanted,
53
152580
3416
๋‹ค๋“ค ์ž์‹ ๋“ค์ด ์›ํ•˜๋Š” ๊ฒƒ์„ ์–ป๊ธฐ ์œ„ํ•ด ํ•˜๋˜ ์ง“์„ ๊ณ„์†ํ–ˆ์Šต๋‹ˆ๋‹ค.
๋งˆ์•ฝ ๋ฐ€๋งค, ๊ฐ•๋„, ๋งคํ˜ˆ.
02:36
the drug dealers, the robbers, the blood bank.
54
156020
2176
๋‹ค๋“ค ํ”ผ ๋ฌป์€ ๋ˆ์„ ๋ฒŒ์—ˆ์–ด์š”.
02:38
Everybody was taking blood money.
55
158220
1616
02:39
So I got mine by any means necessary.
56
159860
1896
์ € ๋˜ํ•œ ์ˆ˜๋‹จ ๋ฐฉ๋ฒ•์„ ๊ฐ€๋ฆฌ์ง€ ์•Š๊ณ 
02:41
I got mine.
57
161780
1576
์ œ ๋ชซ์„ ์ฑ™๊ฒผ์Šต๋‹ˆ๋‹ค.
02:43
Financial literacy really did rule the world,
58
163380
2120
๋ง ๊ทธ๋Œ€๋กœ ๋ˆ์ด ์„ธ์ƒ์„ ์ง€๋ฐฐํ•˜๊ณ  ์žˆ์—ˆ์Šต๋‹ˆ๋‹ค.
02:46
and I was a child slave to it
59
166500
1976
๊ทธ๋ฆฌ๊ณ  ์ €๋„ ๋ˆ์˜ ๋…ธ์˜ˆ๊ฐ€ ๋˜์–ด
02:48
following the bad guy.
60
168500
1240
๊ฑด๋‹ฌ๋“ค์„ ๋”ฐ๋ฅด๊ณ  ์žˆ์—ˆ์Šต๋‹ˆ๋‹ค.
02:52
At 17 years old, I was arrested for robbery and murder
61
172100
3176
17์‚ด์ด ๋˜๋˜ ํ•ด์— ์ €๋Š” ๊ฐ•๋„์™€ ์‚ด์ธ์œผ๋กœ ์žกํ˜€๊ฐ€๊ฒŒ ๋ฉ๋‹ˆ๋‹ค.
02:55
and I soon learned that finances in prison rule more than they did on the streets,
62
175300
3976
์–ผ๋งˆ ๋’ค, ๋ˆ์ด๋ž€ ๊ฑฐ๋ฆฌ์—์„œ ๋ณด๋‹ค ๊ฐ์˜ฅ์—์„œ ์ง€๋ฐฐ๋ ฅ์ด ํฌ๋‹ค๋Š” ๊ฑธ ์•Œ์•˜์–ด์š”.
02:59
so I wanted in.
63
179300
1200
์ €๋„ ๋ฐฐ์šฐ๊ณ ์‹ถ์—ˆ์–ด์š”.
03:01
One day, I rushed to grab the sports page of the newspaper
64
181420
3056
์–ด๋Š ๋‚  ์ €๋Š” ์„œ๋‘˜๋Ÿฌ ์‹ ๋ฌธ์˜ ์Šคํฌ์ธ  ๋ฉด์„ ์ฐพ์•˜์–ด์š”.
03:04
so my cellie could read it to me,
65
184500
1816
๊ทธ๋Ÿฌ๋ฉด ๊ฐ™์€ ๋ฐฉ ๋™๋ฃŒ๊ฐ€ ๊ทธ๊ฑธ ์ฝ์–ด์คฌ๊ฑฐ๋“ ์š”.
03:06
and I accidentally picked up the business section.
66
186340
2416
๊ทธ๋Ÿฐ๋ฐ ์šฐ์—ฐํžˆ ์ง‘์–ด๋“  ๊ฑด ๊ฒฝ์ œ๋ฉด์ด์—ˆ์Šต๋‹ˆ๋‹ค.
03:08
And this old man said, "Hey youngster, you pick stocks?"
67
188780
3256
๊ทธ๋Ÿฌ์ž ๊ทธ ๋™๋ฃŒ ์ˆ˜๊ฐ์ž๊ฐ€ ๋งํ–ˆ์ฃ . "์ด๋ด, ์ Š์€์ด, ์ฆ์‹œ๋ฉด์„ ๊ณจ๋ž์ž–์•„."
03:12
And I said, "What's that?"
68
192060
1256
์ €๋Š” ๋งํ–ˆ์–ด์š”. "๊ทธ๊ฒŒ ๋ญ”๋ฐ์š”?"
03:13
He said, "That's the place where white folks keep all their money."
69
193340
3176
๊ทธ๊ฐ€ ๋งํ–ˆ์ฃ . "๊ฑฐ๊ธฐ๋Š” ๋ฐฑ์ธ๋“ค์ด ์ž๊ธฐ ๋ˆ์„ ๋ชจ๋‘ ๋„ฃ์–ด๋‘๋Š” ๊ณณ์ด์ง€."
03:16
(Laughter)
70
196540
1216
(์›ƒ์Œ)
03:17
And it was the first time that I saw a glimpse of hope,
71
197780
3856
๊ทธ ๋•Œ ์ „ ์ฒ˜์Œ์œผ๋กœ ํ•œ ์ค„๊ธฐ ํฌ๋ง์„ ์ฐพ์•˜์–ด์š”.
03:21
a future.
72
201660
1496
๋ฏธ๋ž˜๋ฅผ ๋ณธ ๊ฑฐ์ฃ .
03:23
He gave me this brief description of what stocks were,
73
203180
2600
๊ทธ๋Š” ์ œ๊ฒŒ ์ฃผ์‹์ด ๋ฌด์—‡์ธ์ง€ ๊ฐ„๋‹จํ•˜๊ฒŒ ์„ค๋ช…์„ ํ•ด์ฃผ์—ˆ์ฃ .
03:26
but it was just a glimpse.
74
206620
1440
ํ•˜์ง€๋งŒ ๋„ˆ๋ฌด ์ž ๊น์ด์—ˆ์–ด์š”.
03:30
I mean, how was I supposed to do it?
75
210180
1776
์ œ๊ฐ€ ๋ญ˜ ์–ด์ฉŒ๊ฒ ์–ด์š”?
03:31
I couldn't read, write or spell.
76
211980
1760
์ €๋Š” ์ฝ๊ธฐ, ์“ฐ๊ธฐ, ์ฒ ์ž๋„ ๋ชฐ๋ž๋Š”๋ฐ์š”.
03:34
The skills that I had developed to hide my illiteracy
77
214420
2616
๊ธ€์„ ๋ชจ๋ฅด๋Š” ๊ฑธ ์ˆจ๊ธฐ๋ ค๊ณ  ์ œ๊ฐ€ ์ผ๋˜ ๋ฐฉ๋ฒ•๋“ค์ด
03:37
no longer worked in this environment.
78
217060
1976
์ด ๊ณณ์—์„œ๋Š” ๋”์ด์ƒ ํ†ตํ•˜์ง€ ์•Š์•˜์–ด์š”.
03:39
I was trapped in a cage, prey among predators,
79
219060
3096
์ €๋Š” ์ƒˆ์žฅ์— ๊ฐ‡ํ˜€ ์žˆ์—ˆ๊ณ  ํฌ์‹์ž๋“ค ์‚ฌ์ด์˜ ์‚ฌ๋ƒฅ๊ฐ์ด์—ˆ์œผ๋ฉฐ
03:42
fighting for freedom I never had.
80
222180
1896
ํ•œ ๋ฒˆ๋„ ๊ฐ–์ง€ ๋ชปํ–ˆ๋˜ ์ž์œ ๋ฅผ ์œ„ํ•ด ์‹ธ์šฐ๊ณ  ์žˆ์—ˆ์–ด์š”.
03:44
I was lost, tired,
81
224100
2176
๊ธธ์„ ์žƒ์—ˆ๊ณ  ์ง€์ณ ์žˆ์—ˆ์œผ๋ฉฐ
03:46
and I was out of options.
82
226300
1360
์„ ํƒ์˜ ์—ฌ์ง€๊ฐ€ ์—†์—ˆ์–ด์š”.
03:48
So at 20 years old,
83
228820
1776
๊ทธ๋ž˜์„œ 20์‚ด ๋˜๋˜ ํ•ด
03:50
I did the hardest thing I'd ever done in my life.
84
230620
2520
์ธ์ƒ์—์„œ ์ด์ œ๊ป ํ–ˆ๋˜ ์ผ ์ค‘ ๊ฐ€์žฅ ์–ด๋ ค์šด ์ผ์„ ํ•˜๊ฒŒ ๋ฉ๋‹ˆ๋‹ค.
03:53
I picked up a book,
85
233980
1200
์ฑ…์„ ์ง‘์–ด ๋“ค์—ˆ์ฃ .
03:57
and it was the most agonizing time of my life,
86
237220
2480
์ œ ์ธ์ƒ์—์„œ ๊ฐ€์žฅ ๊ณ ํ†ต์Šค๋Ÿฌ์šด ์‹œ๊ฐ„์ด์—ˆ์–ด์š”.
04:01
trying to learn how to read,
87
241140
1816
์ฝ๋Š” ๋ฒ•์„ ๋ฐฐ์šฐ๋ ค๊ณ  ๋…ธ๋ ฅํ–ˆ์–ด์š”.
04:02
the ostracizing from my family,
88
242980
2616
๊ฐ€์กฑ๋“ค๋กœ๋ถ€ํ„ฐ ์™ธ๋ฉด๋‹นํ–ˆ์ฃ .
04:05
the homeys.
89
245620
1200
์นœ๊ตฌ๋“ค๋„ ๊ทธ๋žฌ๊ณ ์š”.
04:08
It was rough, man.
90
248100
1456
์ •๋ง ํž˜๋“ค์—ˆ์–ด์š”.
04:09
It was a struggle.
91
249580
1376
ํž˜๋“  ์‹ธ์›€์ด์—ˆ์ฃ .
04:10
But little did I know
92
250980
1696
๊ทธ๋Ÿฌ๋‚˜ ์ €๋Š” ๊ฟˆ๊ฟ”์™”๋˜ ๊ฐ€์žฅ ํฐ ์„ ๋ฌผ์„ ๋ฐ›๊ณ  ์žˆ๋‹ค๋Š” ์‚ฌ์‹ค์„ ๋ชฐ๋ž์–ด์š”.
04:12
I was receiving the greatest gifts I had ever dreamed of:
93
252700
3416
04:16
self-worth,
94
256140
1200
์ž์กด๊ฐ
04:18
knowledge, discipline.
95
258140
1840
์ง€์‹, ์ž๊ธฐ ์ˆ˜์–‘์ด์—ˆ์ฃ .
04:20
I was so excited to be reading that I read everything I could get my hands on:
96
260820
3696
์ €๋Š” ์ฝ์„ ์ˆ˜ ์žˆ๋‹ค๋Š” ๊ฒƒ์ด ๋„ˆ๋ฌด ๊ธฐ๋ป ์†์— ์žกํžˆ๋Š” ๊ฒƒ์ด๋ฉด ๋ญ๋“  ์ฝ์—ˆ์–ด์š”.
04:24
candy wrappers, clothing logos, street signs, everything.
97
264540
3335
์‚ฌํƒ• ํฌ์žฅ์ง€, ์˜ท์˜ ๋กœ๊ณ , ๊ฑฐ๋ฆฌ์˜ ๊ฐ„ํŒ, ๋ญ๋“ ์ง€์š”.
04:27
I was just reading stuff!
98
267899
1217
๋ชจ๋“  ๊ฒƒ์„ ์ฝ๊ณ  ์žˆ์—ˆ์–ด์š”!
04:29
(Applause)
99
269140
1016
(๋ฐ•์ˆ˜)
04:30
Just reading stuff.
100
270180
1200
๊ทธ๋ƒฅ ์ฝ๊ธฐ๋งŒ ํ–ˆ์ฃ .
04:33
I was so excited to know how to read and know how to spell.
101
273180
2800
์ฝ๋Š” ๋ฒ•๊ณผ ์ฒ ์ž๋ฅผ ์•Œ๊ฒŒ ๋œ ๊ฒƒ์ด ๋„ˆ๋ฌด ๊ธฐ๋ปค์–ด์š”.
04:36
The homey came up, said, "Man, what you eating?"
102
276540
2256
์นœ๊ตฌ๊ฐ€ ์™€์„œ ๋งํ–ˆ์ฃ . "์•ผ, ๋ญ ๋จน๋ƒ?"
04:38
I said, "C-A-N-D-Y, candy."
103
278820
1736
์ €๋Š” ๋งํ–ˆ์ฃ . "C-A-N-D-Y, ์‚ฌํƒ•"
04:40
(Laughter)
104
280580
2256
(์›ƒ์Œ)
04:42
He said, "Let me get some." I said, "N-O. No."
105
282860
2496
๊ทธ๋Š” ๋งํ–ˆ์ฃ . "๋‚˜๋„ ์ข€ ์ค˜." ์ €๋Š”, "N-O, ์•ˆ๋ผ"
04:45
(Laughter)
106
285380
1216
(์›ƒ์Œ)
04:46
It was awesome.
107
286620
1416
๊ต‰์žฅํ–ˆ์–ด์š”.
04:48
I mean, I can actually now for the first time in my life read.
108
288060
3176
์‚ฌ์‹ค ์ธ์ƒ์—์„œ ์ฒ˜์Œ์œผ๋กœ ์ฝ๊ฒŒ ๋œ ๊ฒƒ์ด์—ˆ์œผ๋‹ˆ๊นŒ์š”.
04:51
The feeling that I got from it was amazing.
109
291260
2040
๊ทธ๋กœ ์ธํ•œ ๊ฐ์ •์€ ๊ต‰์žฅํ–ˆ์ฃ .
04:55
And then at 22, feeling myself,
110
295060
2600
๊ทธ๋ฆฌ๊ณ  22์‚ด์ด ๋˜์—ˆ์„ ๋•Œ ๋‚˜ ์ž์‹ ์„ ๋Š๊ผˆ์–ด์š”.
04:58
feeling confident,
111
298620
1736
์ž์‹ ๊ฐ์ด ์ƒ๊ฒผ์ฃ .
05:00
I remembered what the OG told me.
112
300380
1840
๊ต๋„๊ด€์ด ์ œ๊ฒŒ ํ•œ ๋ง์ด ๊ธฐ์–ต๋‚˜์š”.
05:03
So I picked up the business section of the newspaper.
113
303580
3736
๊ทธ๋ž˜์„œ ์ €๋Š” ์‹ ๋ฌธ์˜ ๊ฒฝ์ œ๋ฉด์„ ๋“ค์—ˆ์ฃ .
05:07
I wanted to find these rich white folks.
114
307340
1936
๋ฐฑ์ธ ๋ถ€์ž๋“ค์— ๋Œ€ํ•ด ์•Œ์•„๋ณด๋ ค๊ณ ์š”.
05:09
(Laughter)
115
309300
1600
(์›ƒ์Œ)
05:12
So I looked for that glimpse.
116
312340
1920
๊ทธ๋ž˜์„œ ์ž ์‹œ ์ฐพ์•„๋ณด์•˜์–ด์š”.
05:15
As I furthered my career
117
315300
1616
์‚ฌ๋žŒ๋“ค์—๊ฒŒ ๋ˆ์„ ๊ด€๋ฆฌํ•˜๋Š” ๋ฒ•๊ณผ
05:16
in teaching others how to financially manage money and invest,
118
316940
3856
ํˆฌ์žํ•˜๋Š” ๋ฒ•์„ ์•Œ๋ ค์ฃผ๋ฉฐ ๊ฒฝ๋ ฅ์„ ์Œ“๋Š” ๋™์•ˆ
05:20
I soon learned that I had to take responsibility for my own actions.
119
320820
3336
์ €๋Š” ์ œ ํ–‰๋™์— ๋Œ€ํ•œ ์ฑ…์ž„์„ ์ ธ์•ผ ํ•œ๋‹ค๋Š” ๊ฒƒ์„ ์•Œ๊ฒŒ ๋˜์—ˆ์–ด์š”.
05:24
True, I grew up in a very complex environment,
120
324180
3016
์‚ฌ์‹ค, ์ €๋Š” ๊ต‰์žฅํžˆ ๋‚˜์œ ํ™˜๊ฒฝ์—์„œ ์ž๋ž์ง€๋งŒ
05:27
but I chose to commit crimes,
121
327220
1936
๋ฒ”์ฃ„๋ฅผ ์ €์ง€๋ฅธ ๊ฑด ์ €์˜ ์„ ํƒ์ด์—ˆ์Šต๋‹ˆ๋‹ค.
05:29
and I had to own up to that.
122
329180
1776
๊ทธ ์‚ฌ์‹ค์„ ์ธ์ •ํ•ด์•ผ๋งŒ ํ–ˆ์–ด์š”.
05:30
I had to take responsibility for that, and I did.
123
330980
2616
๊ทธ์— ๋Œ€ํ•œ ์ฑ…์ž„์„ ์ ธ์•ผ ํ–ˆ๊ณ , ์ €๋Š” ๊ทธ๋ ‡๊ฒŒ ํ–ˆ์–ด์š”.
05:33
I was building a curriculum that could teach incarcerated men
124
333620
2896
์ €๋Š” ๊ต๋„์†Œ ๋‚ด ์ทจ์—… ํ”„๋กœ๊ทธ๋žจ์„ ํ†ตํ•ด
์ˆ˜๊ฐ์ž๋“ค์—๊ฒŒ ๋ˆ์„ ๊ด€๋ฆฌํ•˜๋Š” ๋ฒ•์„ ๊ฐ€๋ฅด์น  ๊ต์œก ๊ณผ์ •์„ ์„ค๊ณ„ํ–ˆ์Šต๋‹ˆ๋‹ค.
05:36
how to manage money through prison employments.
125
336540
2280
05:40
Properly managing our lifestyle would provide transferrable tools
126
340540
3176
์ƒํ™œ๋ฐฉ์‹์„ ์ ์ ˆํžˆ ๊ด€๋ฆฌํ•˜๋ฉด ์šฐ๋ฆฌ๊ฐ€ ๋‹ค์‹œ ์‚ฌํšŒ์— ์ง„์ž…ํ•  ๋•Œ
05:43
that we can use to manage money when we reenter society,
127
343740
3336
๋ˆ์„ ๊ด€๋ฆฌํ•˜๋Š” ์Šต๊ด€์œผ๋กœ ์ž˜ ์ „ํ™˜๋  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.
05:47
like the majority of people did who didn't commit crimes.
128
347100
3256
๋ฒ”์ฃ„๋ฅผ ์ €์ง€๋ฅด์ง€ ์•Š์€ ๋Œ€๋‹ค์ˆ˜์˜ ์‚ฌ๋žŒ๋“ค์ฒ˜๋Ÿผ์š”.
05:50
Then I discovered
129
350380
1200
๊ทธ๋ฆฌ๊ณ  ํ•˜๋‚˜ ์•Œ๊ฒŒ ๋œ ๊ฒƒ์ด ์žˆ์–ด์š”.
05:52
that according to MarketWatch,
130
352500
2056
๋งˆ์ผ“์›Œ์น˜์— ๋”ฐ๋ฅด๋ฉด
05:54
over 60 percent of the American population
131
354580
2536
๋ฏธ๊ตญ์ธ์˜ 60% ์ด์ƒ์ด
05:57
has under 1,000 dollars in savings.
132
357140
2120
์€ํ–‰ ์˜ˆ๊ธˆ์ด 1000 ๋‹ฌ๋Ÿฌ๋„ ์•ˆ๋œ๋‹ค๊ณ  ํ•ฉ๋‹ˆ๋‹ค.
06:00
Sports Illustrated said that over 60 percent of NBA players
133
360020
3216
์Šคํฌ์ธ  ์ผ๋Ÿฌ์ŠคํŠธ๋ ˆ์ดํ‹ฐ๋“œ์ง€๋Š” ํ”„๋กœ ๋†๊ตฌ์„ ์ˆ˜๋“ค๊ณผ ๋ฏธ์‹์ถ•๊ตฌ ์„ ์ˆ˜๋“ค์˜
06:03
and NFL players go broke.
134
363260
1536
60% ์ด์ƒ์ด ํŒŒ์‚ฐํ•˜๊ฒŒ ๋œ๋‹ค๊ณ  ๋ฐํ˜”์ฃ .
06:04
40 percent of marital problems derive from financial issues.
135
364820
3040
๋ถ€๋ถ€ ๊ฐ„ ๋ฐœ์ƒํ•˜๋Š” ๋ฌธ์ œ์˜ 40%๋Š” ๊ฒฝ์ œ์ ์ธ ์ด์œ  ๋•Œ๋ฌธ์ด์ฃ .
06:08
What the hell?
136
368900
1216
๋„๋Œ€์ฒด ๋ญก๋‹ˆ๊นŒ?
06:10
(Laughter)
137
370140
2136
(์›ƒ์Œ)
06:12
You mean to tell me that people worked their whole lives,
138
372300
2696
์—ฌ๋Ÿฌ๋ถ„์€ ๋ˆ„๊ตฌ๋‚˜ ํ‰์ƒ ๋™์•ˆ ์ผํ•ด์„œ
06:15
buying cars, clothes, homes and material stuff
139
375020
2576
์ฐจ, ์˜ท, ์ง‘๊ณผ ๋ฌผ๊ฑด๋“ค์„ ์‚ฐ๋‹ค๊ณ  ๋งํ•˜๊ณ  ์‹ถ์œผ์‹œ๊ฒ ์ง€๋งŒ
06:17
but were living check to check?
140
377620
2216
์‚ถ์ด ๊ณ„ํš๋Œ€๋กœ ๋˜๋˜๊ฐ€์š”?
06:19
How in the world were members of society going to help incarcerated individuals
141
379860
4336
์–ด๋–ป๊ฒŒ ์‚ฌํšŒ์— ์žˆ๋Š” ์‚ฌ๋žŒ๋“ค์€ ๋ณธ์ธ๋“ค ๊ฒƒ๋„ ๊ด€๋ฆฌํ•˜์ง€ ๋ชปํ•˜๋ฉด์„œ
06:24
back into society
142
384220
1216
์ˆ˜๊ฐ์ž๋“ค์ด ์‚ฌํšŒ๋กœ ๋‹ค์‹œ ๋‚˜์˜ฌ ๋•Œ ๋„์›€์„ ์ฃผ๊ฒ ๋‹ค๋Š” ๊ฑฐ์ฃ ?
06:25
if they couldn't manage they own stuff?
143
385460
1880
06:27
We screwed.
144
387980
1256
๊ทธ๋Ÿฌ๋ฉด ์šฐ๋ฆฐ ๋งํ–ˆ์–ด์š”.
06:29
(Laughter)
145
389260
1736
(์›ƒ์Œ)
06:31
I needed a better plan.
146
391020
1400
๋” ๋‚˜์€ ๊ณ„ํš์ด ํ•„์š”ํ–ˆ์Šต๋‹ˆ๋‹ค.
06:34
This is not going to work out too well.
147
394340
2120
์ด๊ฑด ์ œ๋Œ€๋กœ ์ž‘๋™ํ•˜์ง€ ์•Š์„ ๊ฒƒ ๊ฐ™์•˜์–ด์š”.
06:36
So ...
148
396860
1200
๊ทธ๋ž˜์„œ
06:39
I thought.
149
399700
1200
์ „ ์ƒ๊ฐํ–ˆ์ฃ .
06:43
I now had an obligation to meet those on the path
150
403620
2840
์ด์ œ ๋‚˜๋Š” ์žฌํ™œ ๊ณผ์ •์— ์žˆ๋Š” ์‚ฌ๋žŒ๋“ค์„ ๋งŒ๋‚˜๊ณ 
06:48
and help,
151
408180
1216
๋„์™€์ค„ ์˜๋ฌด๊ฐ€ ์žˆ๋‹ค.
06:49
and it was crazy because I now cared about my community.
152
409420
3256
์ด์ƒํ•œ ์ผ์ด์—ˆ์ฃ .
์ด์ œ๋Š” ์ œ๊ฐ€ ์ง€์—ญ์‚ฌํšŒ๋ฅผ ์‹ ๊ฒฝ์“ฐ๊ณ  ์žˆ์—ˆ์œผ๋‹ˆ๊นŒ์š”.
06:52
Wow, imagine that. I cared about my community.
153
412700
2360
์™€. ์ƒ๊ฐํ•ด๋ณด์„ธ์š”. ๋‚ด๊ฐ€ ์ง€์—ญ์‚ฌํšŒ๋ฅผ ์‹ ๊ฒฝ์“ด๋‹ค๋‹ˆ..
06:56
Financial illiteracy is a disease
154
416460
2296
๊ธˆ์œต ๋ฌธ๋งน์ด๋ž€ ์งˆ๋ณ‘๊ฐ™์€ ๊ฒ๋‹ˆ๋‹ค.
06:58
that has crippled minorities and the lower class in our society
155
418780
3016
์šฐ๋ฆฌ ์‚ฌํšŒ์˜ ์†Œ์ˆ˜ ์ง‘๋‹จ๊ณผ ๋นˆ๋ฏผ์ธต์„
07:01
for generations and generations,
156
421820
2136
๋ช‡ ์„ธ๋Œ€์— ๊ฑธ์ณ ๋ถˆ๊ตฌ๋กœ ๋งŒ๋“ค์ฃ .
07:03
and we should be furious about that.
157
423980
2496
์šฐ๋ฆฌ๋Š” ๊ทธ ์‚ฌ์‹ค์— ๋ถ„๋…ธํ•ด์•ผ ํ•ฉ๋‹ˆ๋‹ค.
07:06
Ask yourselves this:
158
426500
1576
์—ฌ๋Ÿฌ๋ถ„ ์Šค์Šค๋กœ์—๊ฒŒ ์งˆ๋ฌธํ•ด ๋ณด์„ธ์š”.
07:08
How can 50 percent of the American population
159
428100
3256
์–ด๋–ป๊ฒŒ ๊ฒฝ์ œ์  ๋ฒˆ์˜์œผ๋กœ ์›€์ง์ด๋Š” ๋‚˜๋ผ์—์„œ
07:11
be financially illiterate in a nation driven by financial prosperity?
160
431380
3960
๋ฏธ๊ตญ์ธ์˜ 50%๊ฐ€ ๊ฒฝ์ œ ์ง€์‹์ด ์—†์„ ์ˆ˜๊ฐ€ ์žˆ์ฃ ?
07:16
Our access to justice, our social status,
161
436820
2856
์ •์˜์— ๋Œ€ํ•œ ์ ‘๊ทผ, ์šฐ๋ฆฌ์˜ ์‚ฌํšŒ์  ์ง€์œ„
07:19
living conditions, transportation and food
162
439700
3016
์ƒํ™œ ์กฐ๊ฑด, ๊ตํ†ต, ์Œ์‹
07:22
are all dependent on money that most people can't manage.
163
442740
3056
๋ชจ๋“  ๊ฒƒ๋“ค์ด ๋ˆ์— ๋‹ฌ๋ ค์žˆ์ง€๋งŒ ๋Œ€๋ถ€๋ถ„์€ ๋ˆ ๊ด€๋ฆฌ๋ฅผ ๋ชปํ•ด์š”.
07:25
It's crazy!
164
445820
1576
๋ฏธ์นœ๊ฑฐ์ฃ !
07:27
It's an epidemic
165
447420
1376
๊ณต๊ณต ์•ˆ์ „์— ์žˆ์–ด ๊ทธ ์–ด๋–ค ๋ฌธ์ œ๋ณด๋‹ค ์ „์—ผ๋ณ‘์ด์ž ๋” ํฐ ์œ„ํ—˜์ž…๋‹ˆ๋‹ค.
07:28
and a bigger danger to public safety than any other issue.
166
448820
3000
07:33
According to the California Department of Corrections,
167
453540
2656
์บ˜๋ฆฌํฌ๋‹ˆ์•„ ๊ต์ •๊ตญ์— ๋”ฐ๋ฅด๋ฉด
07:36
over 70 percent of those incarcerated
168
456220
2336
์ˆ˜๊ฐ์ž์˜ 70% ์ด์ƒ์ด
07:38
have committed or have been charged with money-related crimes:
169
458580
3616
๋ˆ๊ณผ ๊ด€๋ จ๋œ ๋ฒ”์ฃ„๋ฅผ ์ €์งˆ๋ €๊ฑฐ๋‚˜ ๊ธฐ์†Œ๋œ ์ ์ด ์žˆ์Šต๋‹ˆ๋‹ค.
07:42
robberies, burglaries, fraud, larceny, extortion --
170
462220
4520
๊ฐ•๋„, ๋นˆ์ง‘ํ„ธ์ด, ์‚ฌ๊ธฐ, ์ ˆ๋„, ์กฐ์ž‘
07:47
and the list goes on.
171
467540
1320
๊ทธ ์™ธ์—๋„ ๋” ์žˆ์–ด์š”.
07:49
Check this out:
172
469740
1216
์ด๊ฑธ ์ƒ๊ฐํ•ด๋ณด์„ธ์š”.
07:50
a typical incarcerated person
173
470980
2936
์ „ํ˜•์ ์ธ ์ˆ˜๊ฐ์ž๊ฐ€
07:53
would enter the California prison system
174
473940
2496
์บ˜๋ฆฌํฌ๋‹ˆ์•„ ๊ต๋„์†Œ์— ๋“ค์–ด๊ฐ€๊ฒŒ ๋ฉ๋‹ˆ๋‹ค.
07:56
with no financial education,
175
476460
1560
๊ฒฝ์ œ์ ์ธ ๊ต์œก ์—†์ด
07:58
earn 30 cents an hour,
176
478660
1976
์‹œ๊ฐ„ ๋‹น 30์„ผํŠธ๋ฅผ ๋ฒŒ๋ฉฐ
08:00
over 800 dollars a year,
177
480660
2216
ํ•œ ํ•ด์— 800๋‹ฌ๋Ÿฌ๊ฐ€ ๋„˜๋Š” ๋ˆ์„ ๋ฒŒ๊ฒŒ ๋˜์ฃ .
08:02
with no real expenses and save no money.
178
482900
2760
์‹ค์ œ์  ์ง€์ถœ๋„ ์—†๊ณ  ์ €์ถ•๋„ ์—†์–ด์š”.
08:06
Upon his parole, he will be given 200 dollars gate money and told,
179
486580
4336
๊ฐ€์„๋ฐฉ์ด ๋˜๋ฉด์„œ ๊ทธ๋Š” ์ด ์ˆ˜์ž…์œผ๋กœ 200๋‹ฌ๋Ÿฌ๋ฅผ ๋ฐ›๊ณ  ์ด๋Ÿฐ ์–˜๊ธฐ๋ฅผ ๋“ฃ์ฃ .
08:10
"Hey, good luck, stay out of trouble. Don't come back to prison."
180
490940
3080
"์–ด์ด. ํ–‰์šด์„ ๋นŒ์–ด. ๋ง์ฝ ํ”ผ์šฐ์ง€ ๋งˆ. ๊ฐ์˜ฅ์— ์˜ค๋ฉด ์•ˆ๋ผ."
08:14
With no meaningful preparation or long-term financial plan,
181
494620
3296
์˜๋ฏธ ์žˆ๋Š” ์ค€๋น„๋‚˜ ์žฅ๊ธฐ๊ฐ„์˜ ์žฌ์ •์ ์ธ ๊ณ„ํš ์—†์ด
08:17
what does he do ... ?
182
497940
1200
๊ทธ๋Š” ๋ฌด์—‡์„ ํ• ๊นŒ์š”?
08:20
At 60?
183
500420
1200
60์‚ด์— ์ถœ์†Œํ•ด์„œ์š”.
08:22
Get a good job,
184
502940
1336
์ข‹์€ ์ง์—…์„ ๊ตฌํ•˜๊ฒŒ ๋ ๊นŒ์š”?
08:24
or go back to the very criminal behavior that led him to prison in the first place?
185
504300
3920
์•„๋‹ˆ๋ฉด ์ฒ˜์Œ ๊ทธ๋ฅผ ๊ฐ์˜ฅ์œผ๋กœ ๋ณด๋ƒˆ๋˜ ๋ฐ”๋กœ ๊ทธ ๋ฒ”์ฃ„ ํ–‰์œ„๋ฅผ ๋˜ ํ•˜๊ฒŒ ๋ ๊นŒ์š”?
08:29
You taxpayers, you choose.
186
509220
1776
์—ฌ๋Ÿฌ๋ถ„์ด ์„ธ๊ธˆ์„ ๋‚ด๋‹ˆ๊นŒ ์—ฌ๋Ÿฌ๋ถ„์ด ๊ณจ๋ผ๋ณด์„ธ์š”.
08:31
Well, his education already chose for him, probably.
187
511020
3160
์•„๋งˆ ๊ทธ์˜ ๊ต์œก์ด ์ด๋ฏธ ๊ทธ๋ฅผ ์„ ํƒํ–ˆ์„๊ฒ๋‹ˆ๋‹ค.
08:34
So how do we cure this disease?
188
514940
2360
๊ทธ๋ ‡๋‹ค๋ฉด ์šฐ๋ฆฌ๋Š” ์–ด๋–ป๊ฒŒ ์ด ๋ณ‘์„ ์น˜๋ฃŒํ•  ์ˆ˜ ์žˆ์„๊นŒ์š”?
08:38
I cofounded a program
189
518060
1736
์ €๋Š” '๊ฒฝ์ œ ์ž์œจ์„ฑ ์ •์„œ ๊ต์œก'์ด๋ผ๋Š” ๊ต์œก ํ”„๋กœ๊ทธ๋žจ์„ ๊ณต๋™์„ค๋ฆฝ ํ–ˆ์Šต๋‹ˆ๋‹ค.
08:39
that we call Financial Empowerment Emotional Literacy.
190
519820
4576
08:44
We call it FEEL,
191
524420
1456
์ค„์—ฌ์„œ FEEL์ด๋ผ๊ณ  ํ•˜์ฃ .
08:45
and it teaches how do you separate your emotional decisions
192
525900
3176
์ด๊ฒƒ์€ ๊ธˆ์œต๊ณผ ๊ด€๋ จ๋œ ๊ฒฐ์ •์œผ๋กœ๋ถ€ํ„ฐ
08:49
from your financial decisions,
193
529100
1976
๊ฐ์ •์ ์ธ ๊ฒฐ์ •์„ ๋ถ„๋ฆฌํ•˜๋Š” ๋ฒ•๊ณผ
08:51
and the four timeless rules to personal finance:
194
531100
3416
๊ฐœ์ธ์ ์ธ ๊ธˆ์œต์˜ ๋„ค ๊ฐ€์ง€ ๋ถˆ๋ณ€์˜ ๊ทœ์น™์„ ๊ฐ€๋ฅด์น˜์ฃ .
08:54
the proper way to save,
195
534540
1560
์ €์ถ•์„ ํ•˜๋Š” ์ ์ ˆํ•œ ๋ฐฉ๋ฒ•
08:57
control your cost of living,
196
537380
1640
์ƒํ™œ๋น„ ๊ด€๋ฆฌ ๋ฐฉ๋ฒ•
09:00
borrow money effectively
197
540140
1776
๋ˆ์„ ํšจ์œจ์ ์œผ๋กœ ๋นŒ๋ฆฌ๋Š” ๋ฐฉ๋ฒ•
09:01
and diversify your finances by allowing your money to work for you
198
541940
3776
๋‚ด๊ฐ€ ๋ˆ์„ ์œ„ํ•ด ์ผํ•˜์ง€ ์•Š๊ณ  ๋ˆ์ด ๋‚˜๋ฅผ ์œ„ํ•ด ์ผํ•˜๊ฒŒ ํ•จ์œผ๋กœ์จ
09:05
instead of you working for it.
199
545740
1816
์ž๊ธˆ์„ ๋‹ค์–‘ํ™”ํ•˜๋Š” ๋ฒ•์„ ๊ฐ€๋ฅด์น˜์ฃ .
09:07
Incarcerated people need these life skills before we reenter society.
200
547580
4160
์ˆ˜๊ฐ์ž๋“ค์€ ์‚ฌํšŒ์— ๋ณต๊ท€ํ•˜๊ธฐ ์ „์— ์ด๋Ÿฌํ•œ ์ƒํ™œ ๊ธฐ์ˆ ์ด ํ•„์š”ํ•ฉ๋‹ˆ๋‹ค.
09:13
You can't have full rehabilitation without these life skills.
201
553300
3896
์ด๋Ÿฌํ•œ ์ƒํ™œ ๊ธฐ์ˆ  ์—†์ด๋Š” ์™„์ „ํ•œ ์‚ฌํšŒ ๋ณต๊ท€๊ฐ€ ๋ถˆ๊ฐ€๋Šฅํ•ฉ๋‹ˆ๋‹ค.
09:17
This idea that only professionals can invest and manage money
202
557220
3816
์ „๋ฌธ์ง๋“ค๋งŒ์ด ๋ˆ์„ ํˆฌ์žํ•˜๊ณ  ๊ด€๋ฆฌํ•  ์ˆ˜ ์žˆ๋‹ค๋Š” ์ƒ๊ฐ์€
09:21
is absolutely ridiculous,
203
561060
2256
์ •๋ง ๋ง๋„ ์•ˆ ๋ฉ๋‹ˆ๋‹ค.
09:23
and whoever told you that is lying.
204
563340
1667
๋ˆ„๊ตฌ ๋ง๋Œ€๋กœ ๋‹ค ๊ฑฐ์ง“๋ง์ด์—์š”.
09:25
(Applause)
205
565031
4965
(๋ฐ•์ˆ˜)
09:30
A professional is a person
206
570020
2416
์ „๋ฌธ์ง์ด๋ž€ ๋ˆ„๊ตฌ๋ณด๋‹ค๋„
09:32
who knows his craft better than most,
207
572460
2496
์ž์‹ ์˜ ๊ธฐ์ˆ ์„ ์ž˜ ์•„๋Š” ์‚ฌ๋žŒ์ด์ฃ .
09:34
and nobody knows how much money you need, have or want better than you,
208
574980
4936
๋ˆ์ด ์–ผ๋งˆ๋‚˜ ๋“ค๊ณ 
์–ผ๋งˆ๋‚˜ ๊ฐ€์กŒ๊ณ , ์–ผ๋งˆ๊ฐ€ ํ•„์š”ํ•œ์ง€ ์ž์‹ ๋ณด๋‹ค ์ž˜ ์•„๋Š” ์‚ฌ๋žŒ์€ ์—†์ฃ .
09:39
which means you are the professional.
209
579940
1960
์ด ๋ง์€ ๊ณง, ์—ฌ๋Ÿฌ๋ถ„์ด ์ „๋ฌธ์ง์ด๋ผ๋Š” ๋ง์ž…๋‹ˆ๋‹ค.
09:42
Financial literacy is not a skill, ladies and gentlemen.
210
582700
4216
๊ธˆ์œต ์ง€์‹์€ ๊ธฐ์ˆ ์ด ์•„๋‹™๋‹ˆ๋‹ค, ์—ฌ๋Ÿฌ๋ถ„.
09:46
It's a lifestyle.
211
586940
1200
์ƒํ™œ ๋ฐฉ์‹์ด์—์š”.
09:49
Financial stability is a byproduct of a proper lifestyle.
212
589380
4496
์žฌ์ •์  ์•ˆ์ •์€ ์ ์ ˆํ•œ ์ƒํ™œ ๋ฐฉ์‹์˜ ๋ถ€์‚ฐ๋ฌผ์ด์ฃ .
09:53
A financially sound incarcerated person can become a taxpaying citizen,
213
593900
3800
์žฌ์ •์ ์œผ๋กœ ๊ฑด๊ฐ•ํ•œ ์ˆ˜๊ฐ์ž๋“ค์€ ์„ธ๊ธˆ์„ ๋‚ด๋Š” ์‹œ๋ฏผ์ด ๋  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.
09:58
and a financially sound taxpaying citizen can remain one.
214
598500
3496
์žฌ์ •์ ์œผ๋กœ ๊ฑด๊ฐ•ํ•œ ๋‚ฉ์„ธ์ž๋Š” ๊ทธ ์ƒํƒœ๋ฅผ ๊ณ„์† ์œ ์ง€ํ•˜์ฃ .
10:02
This allows us to create a bridge between those people who we influence:
215
602020
4336
์ด๋Š” ์šฐ๋ฆฌ๊ฐ€ ์˜ํ–ฅ์„ ๋ฏธ์น˜๋Š” ์‚ฌ๋žŒ๋“ค ์‚ฌ์ด์— ๋‹ค๋ฆฌ๋ฅผ ๋†“๊ฒŒ ํ•ฉ๋‹ˆ๋‹ค.
10:06
family, friends and those young people
216
606380
2736
์•„์ง๋„ ๋ฒ”์ฃ„์™€ ๋ˆ์ด ๊ด€๋ จ์ด ์žˆ๋‹ค๊ณ  ๋ฏฟ๋Š”
10:09
who still believe that crime and money are related.
217
609140
2920
๊ฐ€์กฑ, ์นœ๊ตฌ์™€ ์ Š์€ ์นœ๊ตฌ๋“ค์ด์ฃ .
10:13
So let's lose the fear and anxiety
218
613540
2896
๊ทธ ์–ด๋ ค์šด ๊ธˆ์œต ์–ดํœ˜๋“ค์ด ์ฃผ๋Š” ๋‘๋ ค์›€๊ณผ ๋ถˆ์•ˆ์„
10:16
of all the big financial words
219
616460
1456
์šฐ๋ฆฌ ํ•จ๊ป˜ ๋–จ์ณ๋ฒ„๋ฆฝ์‹œ๋‹ค.
10:17
and all that other nonsense that you've been out there hearing.
220
617940
3576
์—ฌ๋Ÿฌ๋ถ„์ด ๋ฐ–์—์„œ ๋“ฃ๋Š” ๋ง๋„ ์•ˆ๋˜๋Š” ์–˜๊ธฐ๋“ค๋„์š”.
10:21
And let's get to the heart of what's been crippling our society
221
621540
3856
๋” ๋‚˜์€ ์‚ถ์„ ๋งŒ๋“ค๊ธฐ ์œ„ํ•ด ์ž์‹ ์˜ ์ฑ…์ž„์„ ๋‹คํ•˜๋ฉฐ
10:25
from taking care of your responsibility to be better life managers.
222
625420
4360
์šฐ๋ฆฌ ์‚ฌํšŒ๋ฅผ ๋ถˆ๊ตฌ๋กœ ๋งŒ๋“œ๋Š” ๊ฒƒ๋“ค์˜ ํ•ต์‹ฌ์— ์ ‘๊ทผํ•ฉ์‹œ๋‹ค.
10:30
And let's provide a simple and easy to use curriculum
223
630820
3336
๊ฐ„๋‹จํ•˜๊ณ  ์‚ฌ์šฉํ•˜๊ธฐ ์‰ฌ์šด ๊ต์œก๊ณผ์ •์„ ์ œ๊ณตํ•ด์„œ
10:34
that gets to the heart, the heart
224
634180
2256
ํ•ต์‹ฌ์— ์ ‘๊ทผํ•  ์ˆ˜ ์žˆ๋„๋ก ํ•ฉ์‹œ๋‹ค.
10:36
of what financial empowerment and emotional literacy really is.
225
636460
3936
์žฌ์ •์  ์ž์œจ๊ถŒ๊ณผ ์ •์„œ ๋Šฅ๋ ฅ์ด ๋ฌด์—‡์ธ์ง€์— ๊ด€ํ•œ ํ•ต์‹ฌ ๋ง์ด์ฃ .
10:40
Now, if you're sitting out here in the audience and you said,
226
640420
2896
์ด์ค‘์— ์ด๋Ÿฐ ๋ง์„ ํ•˜๋Š” ๋ถ„๋„ ๊ณ„์‹ค ๊ฑฐ์˜ˆ์š”.
"์˜ค, ์–ด์จŒ๋“  ๋‚˜๋Š” ์•„๋‹ˆ๋‹ˆ๊นŒ ๋‚œ ์•ˆ ๋ฏฟ์–ด."
10:43
"Oh yeah, well, that ain't me and I don't buy it,"
227
643340
2416
10:45
then come take my class --
228
645780
1296
๊ทธ๋ถ„๋“ค์€ ์ œ ์ˆ˜์—…์„ ๋“ค์œผ์„ธ์š”.
10:47
(Laughter)
229
647100
1696
(์›ƒ์Œ)
10:48
so I can show you how much money it costs you every time you get emotional.
230
648820
3680
๊ทธ๋Ÿผ ๊ฐ์ •์ ์œผ๋กœ ๋ˆ์„ ๋Œ€ํ•  ๋•Œ๋งˆ๋‹ค ์–ด๋–ค ๋Œ€๊ฐ€๋ฅผ ์น˜๋ฅด๊ฒŒ ๋˜๋Š”์ง€ ๋ณด์—ฌ๋“œ๋ฆฌ์ฃ .
10:53
(Applause)
231
653780
3160
(๋ฐ•์ˆ˜)
10:59
Thank you very much. Thank you.
232
659420
1536
๊ฐ์‚ฌํ•ฉ๋‹ˆ๋‹ค.
11:00
(Applause)
233
660980
1160
(๋ฐ•์ˆ˜)
์ด ์›น์‚ฌ์ดํŠธ ์ •๋ณด

์ด ์‚ฌ์ดํŠธ๋Š” ์˜์–ด ํ•™์Šต์— ์œ ์šฉํ•œ YouTube ๋™์˜์ƒ์„ ์†Œ๊ฐœํ•ฉ๋‹ˆ๋‹ค. ์ „ ์„ธ๊ณ„ ์ตœ๊ณ ์˜ ์„ ์ƒ๋‹˜๋“ค์ด ๊ฐ€๋ฅด์น˜๋Š” ์˜์–ด ์ˆ˜์—…์„ ๋ณด๊ฒŒ ๋  ๊ฒƒ์ž…๋‹ˆ๋‹ค. ๊ฐ ๋™์˜์ƒ ํŽ˜์ด์ง€์— ํ‘œ์‹œ๋˜๋Š” ์˜์–ด ์ž๋ง‰์„ ๋”๋ธ” ํด๋ฆญํ•˜๋ฉด ๊ทธ๊ณณ์—์„œ ๋™์˜์ƒ์ด ์žฌ์ƒ๋ฉ๋‹ˆ๋‹ค. ๋น„๋””์˜ค ์žฌ์ƒ์— ๋งž์ถฐ ์ž๋ง‰์ด ์Šคํฌ๋กค๋ฉ๋‹ˆ๋‹ค. ์˜๊ฒฌ์ด๋‚˜ ์š”์ฒญ์ด ์žˆ๋Š” ๊ฒฝ์šฐ ์ด ๋ฌธ์˜ ์–‘์‹์„ ์‚ฌ์šฉํ•˜์—ฌ ๋ฌธ์˜ํ•˜์‹ญ์‹œ์˜ค.

https://forms.gle/WvT1wiN1qDtmnspy7