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

Prevodilac: Milenka Okuka Lektor: Mile Živković

I was 14 years old

Bilo mi je 14 godina,

inside of a bowling alley,

unutar kuglane

burglarizing an arcade game,

pljačkao sam aparat s arkadnim igrama

and upon exiting the building

i dok sam izlazio iz zgrade

a security guard grabbed my arm, so I ran.

čuvar me je zgrabio za ruku, te sam pobegao.

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

Jurio sam niz ulicu i skočio sam na vrh ograde.

And when I got to the top,

A kad sam stigao na vrh,

the weight of 3,000 quarters in my book bag

težina 3000 kovanica od po 25 centi u rancu

pulled me back down to the ground.

me je povukla nazad na zemlju.

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

Pa, kad sam došao sebi, čuvar je stajao iznad mene

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

i rekao: "Sledeći put, mali probisveti, ukradite nešto što možete da nosite."

(Laughter)

(Smeh)

I was taken to juvenile hall

Odveli su me u kazneno-popravni dom

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

i kada sam pušten pod majčino starateljstvo,

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

prve reči koje mi je ujak rekao su bile: "Kako su te uhvatili?"

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

Rekao sam: "Čoveče, ranac je bio pretežak."

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

Rekao je: "Čoveče, nije trebalo da uzmeš sve kovanice."

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

Rekao sam: "Čoveče, bile su sitne. Šta je trebalo da uradim?"

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

A deset minuta kasnije me je poveo da opljačkamo drugi aparat za igre.

We needed gas money to get home.

Trebao nam je novac za gorivo do kuće.

That was my life.

To je bio moj život.

I grew up in Oakland, California,

Odrastao sam u Oklandu, Kalifornija,

with my mother and members of my immediate family

sa majkom i članovima najuže porodice

addicted to crack cocaine.

navučenim na krek kokain.

My environment consisted of living with family, friends,

Moja sredina se sastojala od života s porodicom, prijateljima

and homeless shelters.

i u skloništima za beskućnike.

Oftentimes, dinner was served in breadlines and soup kitchens.

Često smo dobijali večeru u kuhinjama za beskućnike.

The big homey told me this:

Moj veliki drugar mi je rekao sledeće:

money rules the world

novac vlada svetom

and everything in it.

i svime u njemu.

And in these streets, money is king.

A na ovim ulicama, novac je kralj.

And if you follow the money,

A ako pratiš novac,

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

dovešće te do lošeg momka ili do dobrog momka.

Soon after, I committed my first crime,

Uskoro sam počinio svoj prvi zločin,

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

a bilo je to prvi put da mi je rečeno da imam potencijal

and felt like somebody believed in me.

i da sam osećao da neko veruje u mene.

Nobody ever told me that I could be a lawyer,

Niko mi nikad nije rekao da mogu da budem advokat,

doctor or engineer.

doktor ili inženjer.

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

Mislim, kako sam mogao to da znam? nisam znao da čitam, pišem, ni sričem.

I was illiterate.

Bio sam nepismen.

So I always thought crime was my way to go.

Te sam uvek smatrao da je kriminal moj put.

And then one day

A onda sam jednog dana

I was talking to somebody

razgovarao sa nekim

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

i on mi je govorio o pljački koju bismo mogli da obavimo.

And we did it.

I jesmo.

The reality was that I was growing up

Stvarnost je bila takva da sam odrastao

in the strongest financial nation in the world,

u finansijski najsnažnijoj naciji na svetu,

the United States of America,

Sjedinjenim Američkim Državama,

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

istovremeno posmatrajući majku kako stoji u redu banke za krv

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

kako bi prodala svoju krv za 40 dolara, samo da bi prehranila decu.

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

I dan-danas ima ožiljke od igli na rukama kao svedočanstvo toga.

So I never cared about my community.

Te nikad nisam mario za zajednicu.

They didn't care about my life.

Ona nije marila za moj život.

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

Svi tu su radili to što su radili kako bi uzeli to što su želeli,

the drug dealers, the robbers, the blood bank.

dileri droge, pljačkaši, banka krvi.

Everybody was taking blood money.

Svi su uzimali krvavi novac.

So I got mine by any means necessary.

Te sam ja sticao svoj kako bilo.

I got mine.

Sticao sam svoj.

Financial literacy really did rule the world,

Finansijska pismenost je zaista vladala svetom

and I was a child slave to it

i ja sam bio njen dečji rob

following the bad guy.

koji ide za lošim momkom.

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

Sa 17 godina sam uhapšen zbog pljačke i ubistva

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

i uskoro sam saznao da finansije u zatvoru vladaju još više nego na ulicama,

so I wanted in.

te sam želeo biti deo toga.

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

Jednog dana sam požurio da zgrabim sportsku stranu iz novina

so my cellie could read it to me,

kako bi cimer mogao da mi pročita,

and I accidentally picked up the business section.

a slučajno sam odabrao poslovni odeljak.

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

A taj starac me je upitao: "Hej, mladiću, odabrao si deonice?"

And I said, "What's that?"

Upitao sam: "Šta je to?"

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

Rekao je: "To je mesto gde belci čuvaju sav svoj novac."

(Laughter)

(Smeh)

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

I tada sam prvi put video tračak nade,

a future.

budućnost.

He gave me this brief description of what stocks were,

Dao mi je sažet opis toga šta su deonice,

but it was just a glimpse.

ali to je bio tek nagoveštaj.

I mean, how was I supposed to do it?

Mislim, kako da se time bavim?

I couldn't read, write or spell.

Nisam znao da čitam, pišem, ni sričem.

The skills that I had developed to hide my illiteracy

Veštine koje sam razvio kako bih sakrio moju nepismenost

no longer worked in this environment.

više nisu delovale u ovom okruženju.

I was trapped in a cage, prey among predators,

Bio sam zarobljen u kavezu, plen među grabljivicama,

fighting for freedom I never had.

boreći se za nikad pre stečenu slobodu.

I was lost, tired,

Bio sam izgubljen, umoran

and I was out of options.

i nisam imao izbora.

So at 20 years old,

Pa sam sa 20 godina

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

uradio najtežu stvar u mom životu.

I picked up a book,

Uzeo sam knjigu,

and it was the most agonizing time of my life,

i to je bio najmučniji period u mom životu,

trying to learn how to read,

pokušavajući da naučim da čitam,

the ostracizing from my family,

isključio sam se iz porodice,

the homeys.

od drugova.

It was rough, man.

Čoveče, bilo je teško.

It was a struggle.

To je bila borba.

But little did I know

Ali nisam znao

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

da dobijam najveći poklon o kom sam sanjao:

self-worth,

samopoštovanje,

knowledge, discipline.

znanje, disciplinu.

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

Toliko sam bio uzbuđen što čitam da sam čitao sve što bi mi došlo pod ruku:

candy wrappers, clothing logos, street signs, everything.

omote od bombona, logoe na odeći, ulične znakove, sve.

I was just reading stuff!

Prosto sam čitao svašta!

(Applause)

(Aplauz)

Just reading stuff.

Prosto sam čitao svašta!

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

Toliko sam bio uzbuđen što znam da čitam i znam da sričem.

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

Drug mi je prišao, pitajući: "Čoveče, šta jedeš?"

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

Rekao sam: "B-O-M-B-O-N-U, bombonu."

(Laughter)

(Smeh)

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

Rekao je: "Daj i meni jednu." Rekao sam: "N-E. Ne."

(Laughter)

(Smeh)

It was awesome.

Bilo je fantastično.

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

Mislim, zapravo sam mogao, prvi put u životu, da čitam.

The feeling that I got from it was amazing.

To osećanje je bilo divno.

And then at 22, feeling myself,

A potom sa 22, pun sebe,

feeling confident,

osećajući se samopouzdano,

I remembered what the OG told me.

setio sam se šta mi je stariji burazer rekao.

So I picked up the business section of the newspaper.

Pa sam uzeo poslovni odeljak iz novina.

I wanted to find these rich white folks.

Hteo sam da nađem te bogate belce.

(Laughter)

(Smeh)

So I looked for that glimpse.

Pa sam tragao za tom iskrom.

As I furthered my career

Kako mi je karijera išla dalje

in teaching others how to financially manage money and invest,

podučavajući druge kako da finansijski upravljaju novcem i da ulažu,

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

uskoro sam saznao da moram da preuzmem odgovornost za sopstvena dela.

True, I grew up in a very complex environment,

Istina je da sam odrastao u veoma složenoj sredini,

but I chose to commit crimes,

ali sam odabrao da vršim zločine

and I had to own up to that.

i morao sam da ovladam time.

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

Morao sam da preuzmem odgovornost za to, i jesam.

I was building a curriculum that could teach incarcerated men

Pravio sam plan rada kojim sam mogao da podučavam zatvorenike

how to manage money through prison employments.

kako da raspolažu novcem kroz zatvorske poslove.

Properly managing our lifestyle would provide transferrable tools

Pravilno uređujući naš način života bismo obezbedili prenosiva oruđa

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

koja bismo koristili da upravljamo novcem kad se vratimo u društvo.

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

Kao što radi većina ljudi koja nije počinila zločine.

Then I discovered

Onda sam otkrio

that according to MarketWatch,

da prema MarketWatch-u,

over 60 percent of the American population

preko 60 procenata američke populacije

has under 1,000 dollars in savings.

ima manje od 1000 dolara ušteđevine.

Sports Illustrated said that over 60 percent of NBA players

"Sprts Ilustrejted" tvrdi da preko 60 procenata

NBA i NFL igrača bankrotira.

and NFL players go broke.

40 percent of marital problems derive from financial issues.

40 procenata bračnih problema proizlazi iz finansijskih pitanja.

What the hell?

Koji vrag?

(Laughter)

(Smeh)

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

Hoćete da mi kažete da su ljudi radili čitav svoj život,

buying cars, clothes, homes and material stuff

kupovali auta, odeću, kuće i materijalne stvari,

but were living check to check?

ali da su živeli od plate do plate?

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

Kako će, za ime sveta, članovi društva da pomognu pojedincima u zatvoru

back into society

da se vrate u društvo,

if they couldn't manage they own stuff?

ako ne mogu ni sami da se snađu?

We screwed.

Propali smo.

(Laughter)

(Smeh)

I needed a better plan.

Trebao mi je bolji plan.

This is not going to work out too well.

Ovo neće da ispadne naročito dobro.

So ...

Dakle...

I thought.

Mislio sam.

I now had an obligation to meet those on the path

Sad sam imao obavezu da izađem u susret drugima

and help,

i da im pomognem,

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

a to je bilo sumanuto jer sam sad mario za moju zajednicu.

Wow, imagine that. I cared about my community.

Uh, zamislite to. Mario sam za svoju zajednicu.

Financial illiteracy is a disease

Finansijska nepismenost je bolest

that has crippled minorities and the lower class in our society

koja je sakatila manjine i niže klase u našem društvu

for generations and generations,

generacijama i generacijama

and we should be furious about that.

i trebalo bi da smo besni zbog toga.

Ask yourselves this:

Zapitajte se sledeće:

How can 50 percent of the American population

kako je moguće da 50 procenata američke populacije

be financially illiterate in a nation driven by financial prosperity?

bude finansijski nepismeno u naciji koja se vodi finansijskim prosperitetom?

Our access to justice, our social status,

Naš pristup pravdi, naš društveni status,

living conditions, transportation and food

uslovi života, transport i hrana

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

sve to zavisi od novca kojim mnogi ne znaju da upravljaju.

It's crazy!

To je budalaština!

It's an epidemic

To je epidemija

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

i veća opasnost javnoj bezbednosti od bilo kog drugog pitanja.

According to the California Department of Corrections,

Prema Kalifornijskom odseku za prekršaje,

over 70 percent of those incarcerated

preko 70 procenata zatvorenika

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

je počinilo ili im se sudi za zločine u vezi s novcem:

robberies, burglaries, fraud, larceny, extortion --

pljačke, provale, prevare, razbojništvo, iznuđivanje -

and the list goes on.

i spisak raste.

Check this out:

Zamislite ovo:

a typical incarcerated person

tipični zatvorenik

would enter the California prison system

će da uđe u kalifornijski zatvorski sistem

with no financial education,

finansijski neobrazovan,

earn 30 cents an hour,

zarađivaće 30 centi po satu,

over 800 dollars a year,

preko 800 dolara godišnje,

with no real expenses and save no money.

bez stvarnih troškova, i neće uštediti novac.

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

Po izlasku na uslovnu dobiće 200 dolara na kapiji i reći će mu:

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

"Srećno, ne upadaj u nevolje. Ne vraćaj se u zatvor."

With no meaningful preparation or long-term financial plan,

Bez smislenih priprema ili dugoročnog finansijskog plana,

what does he do ... ?

šta će da uradi...?

At 60?

Sa 60 godina?

Get a good job,

Da nađe dobar posao

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

ili da se vrati kriminalnom ponašanju koje ga je prvenstveno odvelo u zatvor?

You taxpayers, you choose.

Poreski obveznici, vi birate.

Well, his education already chose for him, probably.

Pa, njegovo obrazovanje je verovatno odabralo za njega.

So how do we cure this disease?

Pa, kako da izlečimo ovu bolest?

I cofounded a program

Saosnivač sam programa

that we call Financial Empowerment Emotional Literacy.

koji nazivamo Finansijsko osnaženje emotivna pismenost.

We call it FEEL,

Nazivamo ga FEEL,

and it teaches how do you separate your emotional decisions

i obučava vas kako da razgraničite emotivne odluke

from your financial decisions,

od finansijskih odluka,

and the four timeless rules to personal finance:

kao i četiri bezvremena pravila za lične finansije:

the proper way to save,

pravilan način štednje,

control your cost of living,

kontrola troškova života,

borrow money effectively

efikasno pozajmljivanje novca

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

i variranje finansija koje omogućuje novcu da radi za vas,

instead of you working for it.

umesto što vi radite za njega.

Incarcerated people need these life skills before we reenter society.

Zatvorenicima su potrebne ove životne veštine pre nego što se vratimo u društvo.

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

Nema potpune rehabilitacije bez ovih životnih veština.

This idea that only professionals can invest and manage money

Zamisao da jedino profesionalci mogu da ulažu i upravljaju novcem

is absolutely ridiculous,

je potpuno smešna

and whoever told you that is lying.

i ko vam to kaže, laže vas.

(Applause)

(Aplauz)

A professional is a person

Profesionalac je osoba

who knows his craft better than most,

koja poznaje svoj zanat bolje od ostalih,

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

a niko bolje od vas ne zna koliko novca vam je potrebno, koliko ga imate i želite,

which means you are the professional.

što znači da ste vi profesionalac.

Financial literacy is not a skill, ladies and gentlemen.

Finansijska pismenost nije veština, dame i gospodo,

It's a lifestyle.

radi se o načinu života.

Financial stability is a byproduct of a proper lifestyle.

Finansijska stabilnost je nusproizvod pravilnog načina života.

A financially sound incarcerated person can become a taxpaying citizen,

Finansijski razborit zatvorenik može da postane poreski obveznik,

and a financially sound taxpaying citizen can remain one.

a razborit poreski obveznik to može i da ostane.

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

Ovo nam omogućuje da sagradimo most između ljudi na koje utičemo:

family, friends and those young people

porodicu, prijatelje i one mlade ljude

who still believe that crime and money are related.

koji i dalje veruju da su kriminal i novac povezani.

So let's lose the fear and anxiety

Zato, oslobodimo se straha i nespokoja

of all the big financial words

zbog krupnih finansijskih reči

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

i svih drugih budalaština kojih ste se naslušali.

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

I pozabavimo se srži onoga što sakati naše društvo,

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

tako što ćemo preuzeti odgovornost i bolje upravljati našim životima.

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

I obezbedimo plan rada koji je jednostavan, ali lak za upotrebu

that gets to the heart, the heart

koji pogađa suštinu, suštinu

of what financial empowerment and emotional literacy really is.

toga šta finansijska osnaženost i emotivna pismenost zaista jesu.

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

Sad, ako sedite tu u publici i govorite:

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

"Ah, da, pa, to nisam ja i ne nasedam na to",

then come take my class --

onda dođite na moj čas -

(Laughter)

(Smeh)

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

kako bih vam pokazao koliko novca vas svaki put košta vaša emotivnost.

(Applause)

(Aplauz)

Thank you very much. Thank you.

Mnogo vam hvala. Hvala vam.

(Applause)

(Aplauz)