I was 14 years old inside of a bowling alley, burglarizing an arcade game, and upon exiting the building a security guard grabbed my arm, so I ran. I ran down the street, and I jumped on top of a fence. And when I got to the top, the weight of 3,000 quarters in my book bag pulled me back down to the ground. So when I came to, the security guard was standing on top of me, and he said, "Next time you little punks steal something you can carry."
Olin 14-aastane kui varastasin tühjaks keeglisaalis asunud mänguautomaadi. Kui hakkasin välja minema, haaras turvamees mul käest. Panin mööda tänavat jooksu ja tahtsin üle piirdeaia hüpata. Kui end piirdeaiale püüdsin vinnata tiris mu kotis olnud 3000 25-sendise raskus mind alla tagasi. Kui ma teadvusele tulin, seisis turvamees mu kohal ja ütles: "Järgmine kord, tatikas, varasta midagi, mida kanda jaksad."
(Laughter)
(Naer)
I was taken to juvenile hall and when I was released into the custody of my mother, the first words my uncle said was, "How'd you get caught?" I said, "Man, the book bag was too heavy." He said, "Man, you weren't supposed to take all the quarters." I said, "Man, they were small. What am I supposed to do?" And 10 minutes later, he took me to burglarize another arcade game. We needed gas money to get home. That was my life.
Mind viidi noortevanglasse ja kui mind sealt ema käendusel vabaks lasti, oli mu onu esimene küsimus: "Kuidas nad su kätte said?" Vastasin: "Mu kott oli liiga raske." Tema vastu: "Poleks pidanud kogu raha võtma." Ma ütlesin: "Need olid nii väikesed mündid, mis ma sain teha?" Ja 10 minutit hiljem viis ta mu järgmist mänguautomaati tühjendama. Meil oli vaja kojusõiduks bensuraha. Selline mu elu oli.
I grew up in Oakland, California, with my mother and members of my immediate family addicted to crack cocaine. My environment consisted of living with family, friends, and homeless shelters. Oftentimes, dinner was served in breadlines and soup kitchens. The big homey told me this: money rules the world and everything in it. And in these streets, money is king. And if you follow the money, it'll lead you to the bad guy or the good guy.
Kasvasin üles Oaklandis Californias koos ema ja lähisugulastega, kes olid kokaiinisõltlased. Mu elukeskkonnaks oligi mu pere, sõbrad ja kodutute varjupaigad. Tihti sain oma õhtusöögi toiduabist ja supiköögist. Mu sõber ütles, et raha valitseb maailma ja kõik sõltub rahast. Ja siin tänavatel on võim raha käes. Kui sa järgned rahale, jõuad välja kas hea või halva inimeseni.
Soon after, I committed my first crime, and it was the first time that I was told that I had potential and felt like somebody believed in me. Nobody ever told me that I could be a lawyer, doctor or engineer. I mean, how was I supposed to do that? I couldn't read, write or spell. I was illiterate. So I always thought crime was my way to go.
Varsti tegingi oma esimese kuriteo ja mulle öeldi esimest korda elus, et mul on potensiaali ja tundsin, et keegi usub minusse. Keegi ei öelnud mulle kunagi, et minust võiks saada advokaat, arst või insener. Kuidas võinukski, kui ma ei osanud lugeda ega kirjutada? Olin kirjaoskamatu. Seega arvasin, et kuritegevus on mu ainuke võimalus.
And then one day I was talking to somebody and he was telling me about this robbery that we could do. And we did it.
Ühel päeval rääkisin ühe tüübiga, kes mainis, et võiksime koos ühe röövi ette võtta. Seda me tegimegi.
The reality was that I was growing up in the strongest financial nation in the world, the United States of America, while I watched my mother stand in line at a blood bank to sell her blood for 40 dollars just to try to feed her kids. She still has the needle marks on her arms to day to show for that.
Olgugi, et kasvasin üles ühes maailma rikkaimas riigis, Ameerika Ühendriikides, pidin nägema, kuidas mu ema seisab verekeskuse sabas, et müüa 40 dollari eest oma verd ja lastele süüa osta. Tal on kätel endiselt süstlaarmid, mis seda tõestavad.
So I never cared about my community. They didn't care about my life. Everybody there was doing what they were doing to take what they wanted, the drug dealers, the robbers, the blood bank. Everybody was taking blood money. So I got mine by any means necessary. I got mine. Financial literacy really did rule the world, and I was a child slave to it following the bad guy.
Ühesõnaga, mul oli suva oma kogukonnast. Mina neile korda ei läinud. Kõik vaatasid, kuidas saada oma tahtmist. Narkodiilerid, vargad, verepank. Kõik kasutasid vere hinnaga saadud raha. Ka mina krabasin oma osa, kuidas vaid sain. Võtsin enda jao. Need, kes oskasid rahaga ümber käia, valitsesid maailma ja mina olin vaid lapsori, käies halva jälgedes.
At 17 years old, I was arrested for robbery and murder and I soon learned that finances in prison rule more than they did on the streets, so I wanted in. One day, I rushed to grab the sports page of the newspaper so my cellie could read it to me, and I accidentally picked up the business section. And this old man said, "Hey youngster, you pick stocks?" And I said, "What's that?" He said, "That's the place where white folks keep all their money."
17-aastaselt vahistati mind varguse ja mõrva eest ja sain teada, et raha võim on vanglas veelgi suurem kui tänaval ja mina tahtsin ka. Ükspäev haarasin kiiruga ajalehe spordikülje, et mu kongikaaslane seda mulle loeks, kuid kogemata olin krabanud majanduskülje. Vana küsis: "Kuule noormees, kas sa tegeled aktsiatega?" Ja ma küsisin: "Mis see veel on?" 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, a future. He gave me this brief description of what stocks were, but it was just a glimpse. I mean, how was I supposed to do it? I couldn't read, write or spell. The skills that I had developed to hide my illiteracy no longer worked in this environment. I was trapped in a cage, prey among predators, fighting for freedom I never had. I was lost, tired, and I was out of options.
See oli esimene kord, kui mulle koitis lootusekiir ja nägin endal tulevikku. Ta rääkis veidi, mis need aktsiad on, aga hästi lühidalt. Kuidas ma saaksin ka seda teha? Ma ei oska ju lugeda ega kirjutada... Oskused, millega varjasin kirjaoskuse puudumist olid ses uues keskkonnas kasutud. Ma olin puuris, saak kiskjate vahel ning võitlesin vabaduse eest mida mul kunagi ei olnud. Tundsin lootusetust ja väsimust, mul ei olnud mingeid väljavaateid.
So at 20 years old, I did the hardest thing I'd ever done in my life. I picked up a book, and it was the most agonizing time of my life, trying to learn how to read, the ostracizing from my family, the homeys. It was rough, man. It was a struggle. But little did I know I was receiving the greatest gifts I had ever dreamed of: self-worth, knowledge, discipline. I was so excited to be reading that I read everything I could get my hands on: candy wrappers, clothing logos, street signs, everything. I was just reading stuff!
Nii võtsin ma 20-aastaselt ette oma elu kõige raskema asja. Ma võtsin kätte raamatu ja proovisin hakkama saada millegi kohutavalt raskega - üritasin lugema õppida. Eemaldusin oma perest, oma sõpradest. See oli väga karm, see oli võitlus. Ma ei kujutanud ette, et olin saanud elu suurima kingituse: eneseväärikuse, teadmised, distsipliini. Ma olin lugemisest nii pöördes, et lugesin kõike, mis ette juhtus: kommipabereid, riidesilte, liiklusmärke, kõike. Ma lihtsalt lugesin!
(Applause)
(Aplaus)
Just reading stuff. I was so excited to know how to read and know how to spell. The homey came up, said, "Man, what you eating?" I said, "C-A-N-D-Y, candy."
Lugesin kõike! Ma tohutus vaimustuses lugemisest ja tähthaaval sõnade ütlemisest. Sõber tuli juurde ja küsis: "Mis sa sööd?" 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. I mean, I can actually now for the first time in my life read. The feeling that I got from it was amazing.
See oli superlahe! Esimest korda elus oskan ma lugeda! See oli erakordselt lahe tunne!
And then at 22, feeling myself, feeling confident, I remembered what the OG told me. So I picked up the business section of the newspaper. I wanted to find these rich white folks.
22-aastasena, tundes end hästi ja enesekindlalt, meenus see, mida kambrikaaslane ütles. Otsisin välja ajalehe majanduskülje. Tahtsin need rikkad valged üles leida.
(Laughter)
(Naer)
So I looked for that glimpse. As I furthered my career in teaching others how to financially manage money and invest, I soon learned that I had to take responsibility for my own actions. True, I grew up in a very complex environment, but I chose to commit crimes, and I had to own up to that. I had to take responsibility for that, and I did. I was building a curriculum that could teach incarcerated men how to manage money through prison employments. Properly managing our lifestyle would provide transferrable tools that we can use to manage money when we reenter society, like the majority of people did who didn't commit crimes. Then I discovered that according to MarketWatch, over 60 percent of the American population has under 1,000 dollars in savings. Sports Illustrated said that over 60 percent of NBA players and NFL players go broke. 40 percent of marital problems derive from financial issues. What the hell?
Nii et uurisin seda asja lähemalt. Kui ma siis tööalaselt edasi liikusin ja teistele õpetama hakkasin, kuidas oma raha hallada ja investeerida, mõistsin, et pean võtma vastutuse oma tegude eest. Tõsi, kasvasin üles väga keerulistes oludes, kuid kuritegelikule teele minek oli minu enda valik ning pidin seda tunnistama. Mul tuli võtta vastutus ja tegin seda. Koostasin vangidele õppeakava, kuidas vanglas töötades oma raha hallata. Oma elustiili korrastamine annab vajalikud oskused, mis tulevad kasuks ühiskonda naasmisel, nii nagu teevad inimesed, kes kuritegelikule teele ei läinud. Sain siis ka teada, et Market Watchi küsitluse kohaselt oli üle 60% ameeriklastest vähem kui 1000 dollarit sääste. Sports Illustrated kirjutas, et üle 60% NBA ja NFL-i mängijatest lähevad pankrotti. 40% abielutülidest tulenevad rahalistest probleemidest. Mida paganat?
(Laughter)
(Naer)
You mean to tell me that people worked their whole lives, buying cars, clothes, homes and material stuff but were living check to check? How in the world were members of society going to help incarcerated individuals back into society if they couldn't manage they own stuff? We screwed.
Kas ongi nii, et inimesed töötavad kogu oma elu, ostavad autosid, riideid, maju ja muud, aga elavad palgapäevast palgapäevani? Kuidas nad peaksid siis aitama vangidel tagasi ühiskonda sulanduda, kui nad ei suuda endagi elu majandada? Mõttetud mehed!
(Laughter)
(Naer)
I needed a better plan. This is not going to work out too well. So ... I thought. I now had an obligation to meet those on the path and help, and it was crazy because I now cared about my community. Wow, imagine that. I cared about my community.
Vaja oli paremat lahendust. See ilmselgelt ei toimi. Seega... Mõtlesin asja üle järele. Mul oli nüüd kohustus aidata neid, kes olid selle tee valinud, mis oli uskumatu, sest nüüd ma hoolisin oma kogukonnast. Wow! Kujutage ette. Mulle lähebki see korda.
Financial illiteracy is a disease that has crippled minorities and the lower class in our society for generations and generations, and we should be furious about that. Ask yourselves this: How can 50 percent of the American population be financially illiterate in a nation driven by financial prosperity? Our access to justice, our social status, living conditions, transportation and food are all dependent on money that most people can't manage. It's crazy! It's an epidemic and a bigger danger to public safety than any other issue.
Finantskirjaoskamatus on haigus, mis on halvanud meie ühiskonna vähemused ja vähemprivilegeeritud klassid põlvkondade kaupa. Meid peaks see väga vihaseks tegema. Küsige endalt: kuidas saab 50% Ameerika elanikkonnast olla majanduslikus mõttes kirjaoskamatud riigis, mis on maailma majanduse lipulaev? Õigussüsteemi kättesaadavus, meie sotsiaalne staatus, elutingimused, transport ja toit on kõik sõltuvuses rahast, mida enamik inimesi ei oska hallata. See on hullumeelsus! See on epideemia ja suurem oht ühiskonna turvalisusele kui mis tahes muu probleem.
According to the California Department of Corrections, over 70 percent of those incarcerated have committed or have been charged with money-related crimes: robberies, burglaries, fraud, larceny, extortion -- and the list goes on. Check this out: a typical incarcerated person would enter the California prison system with no financial education, earn 30 cents an hour, over 800 dollars a year, with no real expenses and save no money. Upon his parole, he will be given 200 dollars gate money and told, "Hey, good luck, stay out of trouble. Don't come back to prison." With no meaningful preparation or long-term financial plan, what does he do ... ? At 60? Get a good job, or go back to the very criminal behavior that led him to prison in the first place? You taxpayers, you choose. Well, his education already chose for him, probably.
California Vanglaameti andmetel on rohkem kui 70% vangidest sooritanud rahaga seonduva kuriteo: vargused, sissemurdmised, pettused, väljapressimised - ja nii edasi. Kuulake seda: tüüpiline kinnipeetu siseneb California vanglasüsteemi ilma igasuguse rahalise hariduseta, ta teenib 30 senti tunnis, mis teeb veidi üle 800 dollari aastas, ilma eriliste väljaminekuteta ja ei säästa midagi. Kui see inimene vanglast vabaneb, antakse talle 200 dollarit ja öeldakse: "Palju edu, ära jamadesse satu ega siia tagasi tule." Ilma mingi ettevalmistuse või pikema rahalise plaanita, mida ta teeb? 60-aastaselt? Läheb tööle või naaseb kriminaalse käitumise juurde, mis ta vangi viis? Teie olete maksumaksjad - valige. Tema haridus ilmselt valis juba tema eest.
So how do we cure this disease? I cofounded a program that we call Financial Empowerment Emotional Literacy. We call it FEEL, and it teaches how do you separate your emotional decisions from your financial decisions, and the four timeless rules to personal finance: the proper way to save, control your cost of living, borrow money effectively and diversify your finances by allowing your money to work for you instead of you working for it. Incarcerated people need these life skills before we reenter society. You can't have full rehabilitation without these life skills. This idea that only professionals can invest and manage money is absolutely ridiculous, and whoever told you that is lying.
Kuidas me ravime seda haigust? Me asutasime ühe programmi mille nimi on "Financial Empowerment Emotional Literacy" Me kutsume seda FEELiks ja see õpetab eraldama emotsionaalseid otsuseid majanduslikest otsustest ja annab neli reeglit oma rahaga ümberkäimiseks: kuidas säästa, kulusid kontrolli all hoida, mõistlikult laenu võtta ja oskuslikult investeerida, et mitte raha nimel rügada, vaid panna raha enda heaks tööle. Vangid vajavad neid oskusi ühiskonda naasmiseks Ei ole võimalik täielikult ühiskonda sulanduda, kui need oskused puuduvad. Mõte, et ainult professionaalid saavad investeerida ja raha haldada on naeruväärne ja kes iganes seda ütles,
(Applause)
räägib valet.
(Aplaus)
A professional is a person who knows his craft better than most, and nobody knows how much money you need, have or want better than you, which means you are the professional. Financial literacy is not a skill, ladies and gentlemen. It's a lifestyle. Financial stability is a byproduct of a proper lifestyle. A financially sound incarcerated person can become a taxpaying citizen, and a financially sound taxpaying citizen can remain one. This allows us to create a bridge between those people who we influence: family, friends and those young people who still believe that crime and money are related. So let's lose the fear and anxiety of all the big financial words and all that other nonsense that you've been out there hearing. And let's get to the heart of what's been crippling our society from taking care of your responsibility to be better life managers. And let's provide a simple and easy to use curriculum that gets to the heart, the heart of what financial empowerment and emotional literacy really is.
Professionaal on keegi, kes oskab oma tööd paremini, kui enamik teisi inimesi ja sina tead kõige paremini, kui palju raha sa vajad, omad või tahad, seega oledki sa professionaal. Finantskirjaoskus ei ole lihtsalt oskus, daamid ja härrad, see on elustiil. Majanduslik stabiilsus kaasneb õige elustiiliga. Majanduslikult mõtlevast vangist võib saada tubli maksumaksja. Majanduslikult mõistlik maksumaksja jätkab nii ka edaspidi. See võimaldab luua sideme inimestega, keda saame mõjutada: pere, sõprade ja nende noortega, kes siiani usuvad, et kuritegevus ja raha käivad käsikäes. Teeme lõpu hirmule ja ebakindlusele nende keeruliste majandusterminite ja kõige muu jama ees, mida räägitakse. Tegeleme ühiskonda halvava probleemi põhiolemusega, mis takistab meil olemast oma elus vastutustundlikumad majandajad Teeme valmis lihtsa õppekava, mis keskendub finantskirjaoskuse ja emotsionaalse pädevuse põhiolemusele.
Now, if you're sitting out here in the audience and you said, "Oh yeah, well, that ain't me and I don't buy it," then come take my class --
Kui istud seal publiku hulgas ja mõtled, et see pole minu jaoks ja seda ma ei usu, 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,
(Applause)
kui oma emotsioonide üle kontrolli kaotate.
(Aplaus)
Thank you very much. Thank you.
Tänan!
(Applause)
(Aplaus)