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."
Umur saya 14 tahun di sebuah pusat boling, pecah masuk sebuah pusat permainan. Keluar bangunan, seorang pengawal tarik tangan saya, lalu saya lari. Saya lari ke hujung jalan, dan lompat ke atas pagar. Bila di atas pagar, berat 3,000 syiling dalam beg menarik saya jatuh ke tanah. Ketika bangun, pengawal keselamatan diri atas saya dan berkata "Lain kali kau nak curi, curi barang yang boleh pikul.
(Laughter)
(Gelak)
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.
Saya di bawa ke mahkamah juvenil dan saat dibebaskan ke pangkuan ibu saya, ayat pertama pakcik saya cakap "Macam mana boleh ditangkap?" Saya jawab, "Beg itu berat sangat." Dia balas, " Jangan ambil semua syiling." Jawab saya, "Duit itu kecil. Nak buat macam mana?" 10 minit kemudian,dia bawa saya pecah masuk pusat permainan lain. Kami perlu duit minyak untuk pulang. Itulah hidup saya.
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.
Saya membesar di Oakland, California, bersama ibu dan keluarga terdekat yang ketagih dadah kokain. Persekitaran saya adalah hidup dengan keluarga, kawan dan pusat gelandangan. Seringkali makan malam dihidang di barisan agihan makanan dan dapur umum. Gelandangan beritahu saya ini: wang menguasai dunia dan isinya. Di kawasan ini, wang adalah raja. Jika kau ikut wang, ia bawa kepada orang jahat atau baik.
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.
Tak lama lepas itu, saya lakukan jenayah pertama dan itulah kali pertama seseorang beritahu saya berpotensi dan rasa ada orang percaya pada saya. Tak siapa pernah beritahu saya boleh jadi peguam, doktor atau jurutera. Macam mana nak jadi? Saya tak tahu baca, tulis atau eja. Saya buta huruf. Jadi saya selalu fikir jenayah adalah cara hidup saya.
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.
Satu hari, saya berbual dengan seseorang dan dia beritahu tentang satu rompakan yang kami boleh buat. Kami pun lakukannya.
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.
Realitinya, saya membesar dalam negara paling kukuh kewangannya di dunia, Amerika Syarikat, sementara melihat ibu saya beratur di pusat darah menjual darahnya untuk $40 semata-mata untuk beri anak makan. Kesan jarum di tangannya masih kekal hingga kini.
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.
Saya tak kisah tentang masyarakat. Mereka tak kisah tentang saya. Semua di sana buat sesuka hati, ambil sesuka hati. pengedar dadah, perompak, pusat darah. Semuanya ambil duit yang berdarah. Jadi, saya dapatkan wang apa cara pun. Saya dapatkan wang saya. Celik kewangan memang menguasai dunia dan saya hamba kanak-kanak yang mengikuti orang jahat.
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."
Umur 17 tahun, saya ditahan kerana merompak dan membunuh dan saya dapati kewangan di penjara lebih berkuasa dari di jalanan jadi saya nak masuk sana. Satu hari, saya berebut helaian sukan dalam surat khabar supaya rakan sel boleh bacakan, saya terambil bahagian perniagaan. Seorang lelaki tua tegur, "Eh anak muda, awak melabur saham?" Jawab saya, "Apa itu?" Balas beliau, "Itulah tempat orang putih simpan duit."
(Laughter)
(Ketawa)
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.
Itulah kali pertama saya nampak sedikit harapan masa depan. Dia beritahu secara ringkas tentang saham, namun hanya sikit sahaja. Macam mana saya nak buat? Saya tak boleh baca, tulis atau eja. Kemahiran yang saya ada untuk tutup kelemahan buta huruf tak berkesan lagi dalam dunia ini. Saya terperangkap dalam penjara, mangsa kepada pemangsa, berjuang untuk kebebasan yang hilang. Saya sesat, penat dan tiada pilihan.
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!
Pada usia 20 tahun, saya buat perkara paling sukar seumur hidup saya. Saya ambil sebuah buku, dan ia saat paling menyakitkan dalam hidup saya, cuba belajar membaca, diperkecilkan oleh keluarga, gelandangan. Sangat sukar. Saya bergelut. Namun saya tak tahu Saya dapat hadiah paling berharga pernah diimpikan nilai diri, ilmu, disiplin. Saya sangat teruja membaca hingga saya baca semua yang saya pegang: pembalut gula-gula, lencana baju, papan tanda, semuanya. Saya hanya membaca!
(Applause)
(Tepukan)
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."
Hanya membaca. Saya amat teruja tahu membaca dan mengeja. Orang datang bertanya, "Makan apa itu?" 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. I mean, I can actually now for the first time in my life read. The feeling that I got from it was amazing.
Seronok sangat. Kali pertama membaca dalam hidup saya. Perasaan yang saya dapat menakjubkan.
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.
Kemudian, di usia 22 tahun, rasa bersemangat rasa yakin, saya teringat kata-kata orang tua itu. Lalu, saya ambil bahagian perniagaan dalam akhbar Saya nak cari orang kaya kulit putih.
(Laughter)
(Ketawa)
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?
Jadi saya cari harapan di situ. Semakin saya kembangkan kerjaya mengajar orang mengurus wang dan melabur, saya sedar saya perlu bertanggungjawab terhadap tindakan saya. Benar, saya dibesarkan dalam persekitaran yang rumit. namun saya pilih untuk lakukan jenayah dan saya perlu bertanggungjawab. Saya perlu bertanggungjawab dan saya lakukannya. Saya membina kurikulum untuk ajar banduan urus wang melalui pekerjaan di penjara. Urus gaya hidup dengan betul dapat beri alat yang boleh dipindah yang boleh guna untuk urus duit apabila kami kembali kepada masyarakat, macam kebanyakan orang yang tak lakukan jenayah. Kemudian saya dapat tahu, menurut MarketWatch, lebih 60 peratus populasi Amerika memiliki kurang dari $1000 simpanan. Sports Illustated laporkan lebih 60 peratus pemain NBA dan NFL pokai. 40 peratus masalah rumahtangga datang dari masalah kewangan. Biar betul?
(Laughter)
(Ketawa)
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.
Adakah awak nak beritahu, orang bekerja seumur hidup, beli kereta, baju, rumah dan barang tetapi hidup cukup makan? Bagaimana anggota masyarakat nak bantu bekas banduan kembali pada masyarakat kalau mereka pun tak boleh urus diri? Habislah.
(Laughter)
(Ketawa)
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.
Saya perlu rancangan lebih baik. Keadaan sekarang kurang berkesan. Jadi... Saya fikir... sekarang saya bertanggungjawab berjumpa mereka bermasalah dan membantu. Pelik, kini saya ambil berat tentang masyarakat saya. Fikirkan. Saya ambil berat tentang masyarakat.
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.
Buta kewangan adalah penyakit yang lumpuhkan golongan minoriti dan kelas bawahan generasi demi generasi. Kita patut rasa marah. Tanya diri kita: Bagaimana 50 peratus populasi Amerika buta kewangan dalam negara yang dilimpahi kemakmuran kewangan? Akses kepada keadilan, status sosial, taraf hidup, pengangkutan dan makanan semuanya bergantung kepada wang yang kebanyakannya gagal diurus. Membimbangkan! Ia satu epidemik dan satu ancaman kepada keselamatan umum berbanding isu lain.
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.
Menurut Jabatan Pemulihan California, lebih 70 peratus banduan melakukan atau didakwa atas kesalahan berkaitan wang: rompakan, pecah masuk, penipuan, kecurian, peras ugut, dan banyak lagi. Dengar ini: kebiasannya seorang banduan masuk ke penjara California tanpa pendidikan kewangan, gaji 30 sen sejam, sekitar $800 setahun, tanpa perbelanjaan tetap dan tiada simpanan. Selepas dibebaskan dengan parol, dia diberi $200 duit saku dan diberitahu "Hey, semoga berjaya, hindari masalah. Jangan masuk balik penjara." Tanpa persediaan atau pelan kewangan jangka panjang, apa yang dia buat? Pada usia 60 tahun? Dapatkan kerja yang bagus.. atau kembali kepada kelakuan jenayah yang jadi sebab dia ke penjara? Anda pembayar cukai, anda pilih. Mungkin taraf pendidikannya telah memilih.
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.
Bagaimana kita sembuhkan penyakit ini? Saya tubuhkan satu program yang dipanggil Financial Empowerment Emotional Literacy. Kami gelarnya FEEL. Ia ajar cara asingkan membuat keputusan secara emosi dengan keputusan kewangan anda serta empat peraturan kewangan peribadi: cara betul menyimpan, kawal kos sara hidup meminjam dengan efektif dan pelbagaikan kewangan dengan cara duit bekerja untuk anda berbanding anda bekerja untuk duit. Banduan perlukan kemahiran hidup ini sebelum kembali kepada masyarakat. Anda tak boleh pulih tanpa kemahiran hidup ini. Pandangan hanya profesional boleh melabur dan urus wang adalah mengarut, dan sesiapa yang beritahu itu menipu.
(Applause)
(Tepukan)
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.
Seorang profesional ialah orang yang arif tentang bidangnya lebih dari orang lain dan tiada yang lebih tahu jumlah wang yang diperlukan, dimiliki dan dimahukan lebih baik dari diri sendiri, maksudnya andalah profesional itu. Celik kewangan bukanlah kemahiran, tuan-tuan dan puan-puan. Ia gaya hidup. Kestabilan kewangan itu produk sampingan dari gaya hidup yang betul. Seorang banduan yang kukuh kewangannya boleh jadi pembayar cukai pembayar cukai yang kukuh kewangannya akan kekal membayar. Ini membolehkan kita membina jambatan antara golongan yang kita pengaruhi: keluarga, sahabat dan anak muda yang masih percaya jenayah dan wang berkait rapat. Jadi ayuh buang ketakutan dan kerisauan tentang jargon kewangan serta ayat mengarut yang kita dengar. Ayuh tumpukan perkara yang menghalang masyarakat kita dari pikul tanggungjawab agar menjadi pengurus hidup yang lebih baik. Ayuh sediakan kurikulum yang mudah dan ringkas yang menumpukan perkara penting tentang pemerkasaan kewangan dan celik emosi yang sebenar.
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 --
Jika penonton di sini berfikir "Oh, itu bukan saya, saya tak percaya," 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)