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

Translator: Aznah Arshad Reviewer: Haslina Abdul Hardy

I was 14 years old

Umur saya 14 tahun

inside of a bowling alley,

di sebuah pusat boling,

burglarizing an arcade game,

pecah masuk sebuah pusat permainan.

and upon exiting the building

Keluar bangunan,

a security guard grabbed my arm, so I ran.

seorang pengawal tarik tangan saya, lalu saya lari.

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

Saya lari ke hujung jalan, dan lompat ke atas pagar.

And when I got to the top,

Bila di atas pagar,

the weight of 3,000 quarters in my book bag

berat 3,000 syiling dalam beg

pulled me back down to the ground.

menarik saya jatuh ke tanah.

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

Ketika bangun, pengawal keselamatan diri atas saya dan berkata

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

"Lain kali kau nak curi, curi barang yang boleh pikul.

(Laughter)

(Gelak)

I was taken to juvenile hall

Saya di bawa ke mahkamah juvenil

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

dan saat dibebaskan ke pangkuan ibu saya,

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

ayat pertama pakcik saya cakap "Macam mana boleh ditangkap?"

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

Saya jawab, "Beg itu berat sangat."

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

Dia balas, " Jangan ambil semua syiling."

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

Jawab saya, "Duit itu kecil. Nak buat macam mana?"

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

10 minit kemudian,dia bawa saya pecah masuk pusat permainan lain.

We needed gas money to get home.

Kami perlu duit minyak untuk pulang.

That was my life.

Itulah hidup saya.

I grew up in Oakland, California,

Saya membesar di Oakland, California,

with my mother and members of my immediate family

bersama ibu dan keluarga terdekat

addicted to crack cocaine.

yang ketagih dadah kokain.

My environment consisted of living with family, friends,

Persekitaran saya adalah hidup dengan keluarga, kawan

and homeless shelters.

dan pusat gelandangan.

Oftentimes, dinner was served in breadlines and soup kitchens.

Seringkali makan malam dihidang di barisan agihan makanan dan dapur umum.

The big homey told me this:

Gelandangan beritahu saya ini:

money rules the world

wang menguasai dunia

and everything in it.

dan isinya.

And in these streets, money is king.

Di kawasan ini, wang adalah raja.

And if you follow the money,

Jika kau ikut wang,

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

ia bawa kepada orang jahat atau baik.

Soon after, I committed my first crime,

Tak lama lepas itu, saya lakukan jenayah pertama

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

dan itulah kali pertama seseorang beritahu saya berpotensi

and felt like somebody believed in me.

dan rasa ada orang percaya pada saya.

Nobody ever told me that I could be a lawyer,

Tak siapa pernah beritahu saya boleh jadi peguam,

doctor or engineer.

doktor atau jurutera.

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

Macam mana nak jadi? Saya tak tahu baca, tulis atau eja.

I was illiterate.

Saya buta huruf.

So I always thought crime was my way to go.

Jadi saya selalu fikir jenayah adalah cara hidup saya.

And then one day

Satu hari,

I was talking to somebody

saya berbual dengan seseorang

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

dan dia beritahu tentang satu rompakan yang kami boleh buat.

And we did it.

Kami pun lakukannya.

The reality was that I was growing up

Realitinya, saya membesar

in the strongest financial nation in the world,

dalam negara paling kukuh kewangannya di dunia,

the United States of America,

Amerika Syarikat,

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

sementara melihat ibu saya beratur di pusat darah

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

menjual darahnya untuk $40 semata-mata untuk beri anak makan.

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

Kesan jarum di tangannya masih kekal hingga kini.

So I never cared about my community.

Saya tak kisah tentang masyarakat.

They didn't care about my life.

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

Semua di sana buat sesuka hati, ambil sesuka hati.

the drug dealers, the robbers, the blood bank.

pengedar dadah, perompak, pusat darah.

Everybody was taking blood money.

Semuanya ambil duit yang berdarah.

So I got mine by any means necessary.

Jadi, saya dapatkan wang apa cara pun.

I got mine.

Saya dapatkan wang saya.

Financial literacy really did rule the world,

Celik kewangan memang menguasai dunia

and I was a child slave to it

dan saya hamba kanak-kanak

following the bad guy.

yang mengikuti orang jahat.

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

Umur 17 tahun, saya ditahan kerana merompak dan membunuh

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

dan saya dapati kewangan di penjara lebih berkuasa dari di jalanan

so I wanted in.

jadi saya nak masuk sana.

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

Satu hari, saya berebut helaian sukan dalam surat khabar

so my cellie could read it to me,

supaya rakan sel boleh bacakan,

and I accidentally picked up the business section.

saya terambil bahagian perniagaan.

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

Seorang lelaki tua tegur, "Eh anak muda, awak melabur saham?"

And I said, "What's that?"

Jawab saya, "Apa itu?"

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

Balas beliau, "Itulah tempat orang putih simpan duit."

(Laughter)

(Ketawa)

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

Itulah kali pertama saya nampak sedikit harapan

a future.

masa depan.

He gave me this brief description of what stocks were,

Dia beritahu secara ringkas tentang saham,

but it was just a glimpse.

namun hanya sikit sahaja.

I mean, how was I supposed to do it?

Macam mana saya nak buat?

I couldn't read, write or spell.

Saya tak boleh baca, tulis atau eja.

The skills that I had developed to hide my illiteracy

Kemahiran yang saya ada untuk tutup kelemahan buta huruf

no longer worked in this environment.

tak berkesan lagi dalam dunia ini.

I was trapped in a cage, prey among predators,

Saya terperangkap dalam penjara, mangsa kepada pemangsa,

fighting for freedom I never had.

berjuang untuk kebebasan yang hilang.

I was lost, tired,

Saya sesat, penat

and I was out of options.

dan tiada pilihan.

So at 20 years old,

Pada usia 20 tahun,

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

saya buat perkara paling sukar seumur hidup saya.

I picked up a book,

and it was the most agonizing time of my life,

dan ia saat paling menyakitkan dalam hidup saya,

trying to learn how to read,

cuba belajar membaca,

the ostracizing from my family,

diperkecilkan oleh keluarga,

the homeys.

gelandangan.

It was rough, man.

Sangat sukar.

It was a struggle.

Saya bergelut.

But little did I know

Namun saya tak tahu

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

Saya dapat hadiah paling berharga pernah diimpikan

self-worth,

nilai diri,

knowledge, discipline.

ilmu, disiplin.

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

Saya sangat teruja membaca hingga saya baca semua yang saya pegang:

candy wrappers, clothing logos, street signs, everything.

pembalut gula-gula, lencana baju, papan tanda, semuanya.

I was just reading stuff!

Saya hanya membaca!

(Applause)

(Tepukan)

Just reading stuff.

Hanya membaca.

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

Saya amat teruja tahu membaca dan mengeja.

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

Orang datang bertanya, "Makan apa itu?"

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

Saya jawab, "G-U-L-A, gula."

(Laughter)

(Ketawa)

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

Dia cakap, "Minta sikit." Saya jawab, "T-A-K. Tak."

(Laughter)

(Ketawa)

It was awesome.

Seronok sangat.

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

Kali pertama membaca dalam hidup saya.

The feeling that I got from it was amazing.

Perasaan yang saya dapat menakjubkan.

And then at 22, feeling myself,

Kemudian, di usia 22 tahun, rasa bersemangat

feeling confident,

rasa yakin,

I remembered what the OG told me.

saya teringat kata-kata orang tua itu.

So I picked up the business section of the newspaper.

Lalu, saya ambil bahagian perniagaan dalam akhbar

I wanted to find these rich white folks.

Saya nak cari orang kaya kulit putih.

(Laughter)

(Ketawa)

So I looked for that glimpse.

Jadi saya cari harapan di situ.

As I furthered my career

Semakin saya kembangkan kerjaya

in teaching others how to financially manage money and invest,

mengajar orang mengurus wang dan melabur,

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

saya sedar saya perlu bertanggungjawab terhadap tindakan saya.

True, I grew up in a very complex environment,

Benar, saya dibesarkan dalam persekitaran yang rumit.

but I chose to commit crimes,

namun saya pilih untuk lakukan jenayah

and I had to own up to that.

dan saya perlu bertanggungjawab.

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

Saya perlu bertanggungjawab dan saya lakukannya.

I was building a curriculum that could teach incarcerated men

Saya membina kurikulum untuk ajar banduan

how to manage money through prison employments.

urus wang melalui pekerjaan di penjara.

Properly managing our lifestyle would provide transferrable tools

Urus gaya hidup dengan betul dapat beri alat yang boleh dipindah

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

yang boleh guna untuk urus duit apabila kami kembali kepada masyarakat,

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

macam kebanyakan orang yang tak lakukan jenayah.

Then I discovered

Kemudian saya dapat tahu,

that according to MarketWatch,

menurut MarketWatch,

over 60 percent of the American population

lebih 60 peratus populasi Amerika

has under 1,000 dollars in savings.

memiliki kurang dari $1000 simpanan.

Sports Illustrated said that over 60 percent of NBA players

Sports Illustated laporkan lebih 60 peratus pemain NBA

and NFL players go broke.

dan NFL pokai.

40 percent of marital problems derive from financial issues.

40 peratus masalah rumahtangga datang dari masalah kewangan.

What the hell?

Biar betul?

(Laughter)

(Ketawa)

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

Adakah awak nak beritahu, orang bekerja seumur hidup,

buying cars, clothes, homes and material stuff

beli kereta, baju, rumah dan barang

but were living check to check?

tetapi hidup cukup makan?

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

Bagaimana anggota masyarakat nak bantu bekas banduan

back into society

kembali pada masyarakat

if they couldn't manage they own stuff?

kalau mereka pun tak boleh urus diri?

We screwed.

Habislah.

(Laughter)

(Ketawa)

I needed a better plan.

Saya perlu rancangan lebih baik.

This is not going to work out too well.

Keadaan sekarang kurang berkesan.

So ...

Jadi...

I thought.

Saya fikir...

I now had an obligation to meet those on the path

sekarang saya bertanggungjawab berjumpa mereka bermasalah

and help,

dan membantu.

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

Pelik, kini saya ambil berat tentang masyarakat saya.

Wow, imagine that. I cared about my community.

Fikirkan. Saya ambil berat tentang masyarakat.

Financial illiteracy is a disease

Buta kewangan adalah penyakit

that has crippled minorities and the lower class in our society

yang lumpuhkan golongan minoriti dan kelas bawahan

for generations and generations,

generasi demi generasi.

and we should be furious about that.

Kita patut rasa marah.

Ask yourselves this:

Tanya diri kita:

How can 50 percent of the American population

Bagaimana 50 peratus populasi Amerika

be financially illiterate in a nation driven by financial prosperity?

buta kewangan dalam negara yang dilimpahi kemakmuran kewangan?

Our access to justice, our social status,

Akses kepada keadilan, status sosial,

living conditions, transportation and food

taraf hidup, pengangkutan dan makanan

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

semuanya bergantung kepada wang yang kebanyakannya gagal diurus.

It's crazy!

Membimbangkan!

It's an epidemic

Ia satu epidemik

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

dan satu ancaman kepada keselamatan umum berbanding isu lain.

According to the California Department of Corrections,

Menurut Jabatan Pemulihan California,

over 70 percent of those incarcerated

lebih 70 peratus banduan

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

melakukan atau didakwa atas kesalahan berkaitan wang:

robberies, burglaries, fraud, larceny, extortion --

rompakan, pecah masuk, penipuan, kecurian, peras ugut,

and the list goes on.

dan banyak lagi.

Check this out:

Dengar ini:

a typical incarcerated person

kebiasannya seorang banduan

would enter the California prison system

masuk ke penjara California

with no financial education,

tanpa pendidikan kewangan,

earn 30 cents an hour,

gaji 30 sen sejam,

over 800 dollars a year,

sekitar $800 setahun,

with no real expenses and save no money.

tanpa perbelanjaan tetap dan tiada simpanan.

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

Selepas dibebaskan dengan parol, dia diberi $200 duit saku dan diberitahu

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

"Hey, semoga berjaya, hindari masalah. Jangan masuk balik penjara."

With no meaningful preparation or long-term financial plan,

Tanpa persediaan atau pelan kewangan jangka panjang,

what does he do ... ?

apa yang dia buat?

At 60?

Pada usia 60 tahun?

Get a good job,

Dapatkan kerja yang bagus..

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

atau kembali kepada kelakuan jenayah yang jadi sebab dia ke penjara?

You taxpayers, you choose.

Anda pembayar cukai, anda pilih.

Well, his education already chose for him, probably.

Mungkin taraf pendidikannya telah memilih.

So how do we cure this disease?

Bagaimana kita sembuhkan penyakit ini?

I cofounded a program

Saya tubuhkan satu program

that we call Financial Empowerment Emotional Literacy.

yang dipanggil Financial Empowerment Emotional Literacy.

We call it FEEL,

Kami gelarnya FEEL.

and it teaches how do you separate your emotional decisions

Ia ajar cara asingkan membuat keputusan secara emosi

from your financial decisions,

dengan keputusan kewangan anda

and the four timeless rules to personal finance:

serta empat peraturan kewangan peribadi:

the proper way to save,

cara betul menyimpan,

control your cost of living,

kawal kos sara hidup

borrow money effectively

meminjam dengan efektif

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

dan pelbagaikan kewangan dengan cara duit bekerja untuk anda

instead of you working for it.

berbanding anda bekerja untuk duit.

Incarcerated people need these life skills before we reenter society.

Banduan perlukan kemahiran hidup ini sebelum kembali kepada masyarakat.

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

Anda tak boleh pulih tanpa kemahiran hidup ini.

This idea that only professionals can invest and manage money

Pandangan hanya profesional boleh melabur dan urus wang

is absolutely ridiculous,

adalah mengarut,

and whoever told you that is lying.

dan sesiapa yang beritahu itu menipu.

(Applause)

(Tepukan)

A professional is a person

Seorang profesional ialah orang

who knows his craft better than most,

yang arif tentang bidangnya lebih dari orang lain

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

dan tiada yang lebih tahu jumlah wang yang diperlukan, dimiliki dan dimahukan

lebih baik dari diri sendiri, maksudnya andalah profesional itu.

which means you are the professional.

Financial literacy is not a skill, ladies and gentlemen.

Celik kewangan bukanlah kemahiran, tuan-tuan dan puan-puan.

It's a lifestyle.

Ia gaya hidup.

Financial stability is a byproduct of a proper lifestyle.

Kestabilan kewangan itu produk sampingan dari gaya hidup yang betul.

A financially sound incarcerated person can become a taxpaying citizen,

Seorang banduan yang kukuh kewangannya boleh jadi pembayar cukai

and a financially sound taxpaying citizen can remain one.

pembayar cukai yang kukuh kewangannya akan kekal membayar.

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

Ini membolehkan kita membina jambatan antara golongan yang kita pengaruhi:

family, friends and those young people

who still believe that crime and money are related.

yang masih percaya jenayah dan wang berkait rapat.

So let's lose the fear and anxiety

Jadi ayuh buang ketakutan dan kerisauan

of all the big financial words

tentang jargon kewangan

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

serta ayat mengarut yang kita dengar.

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

Ayuh tumpukan perkara yang menghalang masyarakat kita

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

dari pikul tanggungjawab agar menjadi pengurus hidup yang lebih baik.

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

Ayuh sediakan kurikulum yang mudah dan ringkas

that gets to the heart, the heart

yang menumpukan perkara penting

of what financial empowerment and emotional literacy really is.

tentang pemerkasaan kewangan dan celik emosi yang sebenar.

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

Jika penonton di sini berfikir

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

"Oh, itu bukan saya, saya tak percaya,"

then come take my class --

datanglah masuk kelas saya.

(Laughter)

(Ketawa)

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

supaya saya boleh tunjuk berapa kerugian setiap kali anda ikut emosi.

(Applause)

(Tepukan)

Thank you very much. Thank you.

Terima kasih banyak-banyak. Terima kasih.

(Applause)

(Tepukan)