财务素养不是技能——它是一种生活方式。柯蒂斯“华尔街”卡罗尔这样说。作为服刑人员，卡罗尔了解一美元的力量。在监狱里，他自学如何阅读和交易股票，现在他分享一个简单而强大的信息：我们都需要掌握管钱的本领。演讲者：Curtis "Wall Street" Carroll
演讲题目：How I learned to read — and trade stock
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."当年我14岁，在保龄球馆里，偷了电子游戏机里的钱，就在走出那球馆时，一名保安抓了我的胳膊，所以我就跑。我沿着街跑，然后跳上围栏。跳到围栏顶上时，书包里的三千个两毛五硬币的重量把我拽回地上。所以等我反应过来时，那个保安站在我头顶，他说：“下回你个小废物去偷点能背得动的东西！”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.我被带去少管所了，当我被放出来交给我妈时，我叔叔说的第一句话是“你怎么被抓住了？”我说，“老兄，那书包实在太重了！”。他说：“嘿，你不应该把所有硬币都拿走啊。”我说：“钱太少了啊，我能怎么办？”10分钟后，他带我去偷另一个游戏机。我们需要回家的汽油钱。那就是我的生活。
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.我在加州奥克兰长大，我妈妈和家里亲戚都是可卡因瘾君子。我的生活环境包括家人、朋友和流浪汉避难所。经常，晚餐地点是领救济食品的队伍和施粥场。家里大人告诉我：钱统治世界和世上的一切。在这些街道上，钱是王。如果你跟着钱走，它会把你变成坏人或者好人。
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.不久之后，我第一次犯罪，那是第一次有人告诉我，我有潜力，并且感觉有人相信我。没有人告诉过我，我可以是律师、医生或工程师。我是说，我怎么可能做得到？我不会读，不会写也不会拼。我是文盲。所以我一直认为犯罪就是我的人生道路。
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.然后有一天，我和某人聊天，他跟我说我们可以干一票抢劫。于是我们去抢了。
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.现实是，我成长在世界上最强大的金融国家——美利坚合众国，却看着我妈在血库排队卖血挣40美元，只是为了让她的孩子有饭吃。她的胳膊上仍然有那段时间留下的针孔疤痕。
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.所以我从来不关心我的社区。他们没有在乎过我的生活。每个人都在做他们自己的事 来换取他们想要的东西，毒贩、强盗、血库都是这样。每个人都在赚血腥钱。所以我用一切必要手段去赚我那份。我也赚我的血腥钱。金钱确实在统治这个世界，我也是一个受它支配的小孩，只不过我追随的是坏人。
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岁时，我因抢劫和谋杀被捕，我很快发现，金钱在监狱里比在外面街上更有权威，所以我要加入。有一天，我着急去拿报纸的体育版，好让我的牢友念给我听，我不小心拿起了商业版。有个老头儿说：“嘿，年轻人，你选股票？”我说：“股票是啥？”他说：“白人把所有钱都放在那。”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.那是我第一次看到一线希望，一个未来！他给我简要描述了什么是股票，但那只是一瞥。我的意思是，我能怎么做？我不会读、不会写也不会拼。我开发的掩饰文盲身份的技能在这种情况下都没用了。我被困在笼子里，在掠食者中间捕食，争取我从未拥有的自由。我迷失，疲惫，无路可走。
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!所以在20岁的时候，我做了我一生中最难一件事。我拿起了一本书，那是我一生中最痛苦的时刻，试图学习怎么读书，离家在外，没有亲人。很难啊，朋友们。那是挣扎。但我几乎不知道，我收到了曾梦想过的最大的礼物：自我价值，知识，纪律。我会认字太兴奋了，能拿到的所有东西都要去读：糖果包装，衣服标牌，路标，一切。我不停地读！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."不停地读。我太高兴自己学会如何阅读和如何拼写了。有个哥们儿过来问我：“嘿，你吃什么呢？”我说，“C-A-N-D-Y，糖果”。He said, "Let me get some." I said, "N-O. No."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.真是太棒了。人生第一次，我现在真的认字了。从中得到的感觉是美妙的。
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.然后22岁时，我找到自我，能感到自信，我想起那老头儿对我说的话。所以我拿起报纸的商业版。我想找到这些有钱的白人。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. 所以我寻找那一瞥。随着我发展我的职业——教给别人如何管理资金和投资，我很快知道我必须对自己的行为负责。诚然，我在一个非常复杂的环境中长大，但是去犯罪是我自己选的，我必须背负它。我必须为之负责，我也确实是这样做的。我开了一系列课程，教给犯人如何通过在监狱工作来管理金钱。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?适当管理我们的生活方式将提供可移用的工具，我们可以在重回社会时用来管理金钱的工具，就像没有犯罪的大多数人一样理财。然后我发现，根据"市场观察"所说的，60%以上的美国人存款不到1000美元。运动画刊说，60%以上的NBA球员和NFL球员都破产了。婚姻问题的40%来自财务问题。什么啊？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.你想告诉我，一辈子都在工作的人们，可以买汽车、衣服、房子和家居材料等等，但是每个月都花光光？社会上那些人如果连自己的东西都管不好，到底怎么帮助犯人重回社会？我们完蛋了啊！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.我需要一个更好的计划。现在这样可不行。所以，我想，我现在有义务去接近犯罪道路上的那些人，帮助他们，这很疯狂，因为我现在关心我的社区。哇，想象一下，我居然关心我的社区了啊。
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.财务盲是一种疾病，使我们社会中的少数群体和底层社会一代又一代地陷入困境，我们应该对此感到愤怒。问问你自己：身处由经济繁荣驱动的国家，怎么会有50%的美国人是财务盲？我们的司法权，我们的社会地位，生活条件、交通和食物都依赖于金钱，可大多数人根本不懂理财。疯了啊！这是流行病，对公共安全的危害比任何其他问题都大。
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. 根据加州惩教部的统计，70%以上的犯人已经犯有或被控犯有与钱有关的罪行：抢劫，偷东西，欺诈，盗窃，勒索，还有很多。举个例子：一个典型的犯人，在进入加州监狱系统时没有财务知识，每小时赚30美分，每年800多美元，没有真正的花销，也不存钱。
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.假释时，给他200美元出门费，告诉他：“嗨，祝你好运，别惹麻烦，别再来监狱了。”如果没有任何有意义的准备或长期的财务计划，他能做什么？在60岁的年纪？找个好工作，还是重回最初送他进监狱的犯罪行为？你们是纳税人，你们选一选。可是，他的教育程度可能已经为他选了。
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. 那么我们如何治愈这种病呢？我合作成立了一个计划，我们称之为理财能力感情教育 简称FEEL，它教你如何将情绪化的决定与财务决策分开，教你四个永恒的个人理财规则：用正确的方式来存钱；控制生活成本；有效借贷；允许财务多元化，让钱为你工作，而不是你为钱工作。
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.犯人在重回社会之前需要这些生活技能。没有这些生活技能就不能完全改过自新。只有专业人士才能投资理财的想法绝对是可笑的，这么对你说的人是在撒谎。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. 专业人士是比多数人更了解自己专业知识的人，但是没人比你更清楚，你需要、拥有或想要多少钱，这意味着你就是专业人士。财务素养并不是技能，女士们，先生们。它是一种生活方式。财务稳定是正确生活方式的副产品。财务健全的犯人可以变成一名纳税人，财务健全的纳税人可以继续做好一名纳税人。
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.这让我们架起一座桥梁连结我们能影响的人们：家人，朋友和那些仍然认为犯罪与金钱分不开的年轻人。所以让我们丢掉对所有金融术语的恐惧和焦虑，也不要管外面听到的那些废话。让我们直奔削弱社会的症结，负起你的责任，做一个更好的生活管理者。让我们提供一个简单易学的课程，直达核心，理财能力感情教育真正意义的核心。
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 --现在，如果你坐在观众席里说：“哦，好吧，可是，那不是我，我不信，”那就来上我的课——so I can show you how much money it costs you every time you get emotional.Thank you very much. Thank you.
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