1
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Good morning.

2
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Well, I want to share, first of all,

3
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what my reaction was

4
00:00:22,485 --> 00:00:26,050
when I was invited to participate
at TEDxDanteAlighieriSchool.

5
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I recorded this moment to show you

6
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what it felt like

7
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when I received this invitation -

8
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and it was, more or less, like this.

9
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(Laughter)

10
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I went nuts!

11
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I said, "My god! What proportions
has this business taken?"

12
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Soon, as our friend said - the monkey,
I don't know why the monkey appeared -

13
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and I said,

14
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"No, Nathalia, think well, breathe deep,
and let's make this happen."

15
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How can we change
the financial lives of 300 people,

16
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or of 7 billion people
through TEDx, in 15 minutes?

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I thought hard and came to the conclusion
that in five seconds my life had changed,

18
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so why not change the lives
of so many people in 15 minutes?

19
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And then, I thought of a word,
a tiny little word with just two letters

20
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that can change anyone's life.

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Many people think that this word
has a negative connotation,

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but I believe it's the opposite.

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This word is "no."

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Lately, the word "no"
has been kind of forgotten, right?

25
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I've noticed that many parents
have difficulty using the word "no,"

26
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and I don't understand why.

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So, I came here today to tell you
how "no" changed my life,

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how "no" brought me here today,
and about the transforming power of "no."

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Folks, the hashtag is #nãoépoder.

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After you leave here,
use this on your social networks.

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All this started about -

32
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It takes a little time, not too much.

33
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I'm still young, very young.
You can see that, right?

34
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And all this started when I had this hair.

35
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(Laughter)

36
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At that time -

37
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My parents were never rich,

38
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and they never had
a basic financial education.

39
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In schools, there's always
a little group that's like,

40
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"Oh, that's the rich girl,
that one is this, that's that."

41
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And there was a rich girl in my group.

42
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One day, the rich little girl
came to us and said,

43
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"My father opened
a savings account to buy me a car

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when I turn 18."

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The photo shows my age
when I heard this.

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That hit my brain
with an overpowering effect.

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I always was a little
"Fantastic World of Bob", you know,

48
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so, at that exact moment,
I imagined myself,

49
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with my wild hair, in my convertible,

50
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racing around the streets of São Paulo.

51
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How could my hair handle such wind?

52
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But I imagined myself, very free,
with this car at the age of 18.

53
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I went home and sat at the table
with my parents,

54
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and I asked them a fateful question.

55
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"Do I have a savings account?"

56
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Today, I keep imagining
my father at that time,

57
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in front of me, knowing
the answer that would follow,

58
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which, as you must imagine, was,

59
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"No!"

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(Laughter)

61
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Obviously, no.

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My parents.

63
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(Laughter)

64
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No, I didn't have a savings account.

65
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In that moment, I began to think.

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I didn't have a savings account,
and also didn't have an allowance,

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and I wanted to buy that car.

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At the end of the day,
this wasn't only a financial matter,

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a matter of money.

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That car meant freedom.

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It was like the ultimate achievement
of success at age 18,

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and I would have my car;
it would be incredible,

73
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and, my, how could I do this?

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This car was the consumer's dream
at the time, people.

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(Laughter)

76
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It was my consumer's dream:

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it was red and it was incredible,
despite not being a convertible.

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I said, "Well, I don't have the money."

79
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I'd already figured out
that a savings account meant money,

80
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and, once in a while,
I would earn two reals for a snack

81
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because my father wouldn't just give me
two reals, and it was only sometimes.

82
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I said, "Well, two reals."

83
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I never thought of money like that,
like a two-real note.

84
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I imagined two reals or ten reals
or whatever amount

85
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like it was a piece of my car.

86
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So already in my childhood,
it started a dilemma:

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"Two reals or a greasy rissole
at Tião's cafeteria?"

88
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Luckily, I thought more about my car

89
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because if I had eaten Tião's greasy food,

90
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perhaps I would have a clogged artery
by the time I was 31.

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Luckily, the car spoke louder in my head.

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So I became a little piggy bank.

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With each two reals,

94
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very early on, I started to have
a projection mindset,

95
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making accounts - how much I was going
to have in one year, in two years, etc.

96
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Because at the end of the day, I realized
that what I had the most of was time,

97
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and that time related to money,
and although it seemed to be not much,

98
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over time, it would turn into a fortune.

99
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Later, I spent weekends,

100
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when I was a little bigger
and such, sassy,

101
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getting to know what a newspaper was
and what the classified ads were.

102
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Then I started to think
about which car I was going to buy

103
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if I kept my discipline
of saving money little by little.

104
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And then, I discovered
that I could buy a Buggy!

105
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I was going to have my convertible! Yes!

106
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(Laughter)

107
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At that time, my hair
was a little straighter.

108
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I learned to straighten my hair myself

109
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because, after all,

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when you go to the hairdresser,
what do you spend?

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Money.

112
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Actually, this was the first big
investment I was able to make.

113
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I convinced my father -
I didn't have my car -

114
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but I convinced my father
to buy a brush and a hair dryer,

115
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and in this way, I hit the jackpot,

116
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"Each time that I blow dry
my hair, you give me ten reals

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because it saves you 30 reals
in the beauty parlor."

118
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Guys, learn this:
OPM, "Other People's Money."

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(Laughter)

120
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That simple.

121
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Anyway, I discovered
that my "no" meant my car

122
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because, different from the stories
that many people tell,

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"I did this and that," and finally,
"Did you make it?"- no.

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I don't have this sad story to tell

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because that "no" meant sufficient money

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to buy my car when I was 18.

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It turns out I didn't need to buy the car.

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I was a girl - seriously, great, huh? -

129
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and what parents wouldn't want 
to have a daughter like this?

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I saved money, lent money
when needed, and such.

131
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When I was 18,

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I discovered my godmother
had taken a line of credit for me

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with a consortium.

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My godmother, for some reason
I still don't understand,

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is addicted to consortia.

136
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She did the consortium when I was 10

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and received the credit when I was 18,
so it was really a matter of luck.

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I bought my car - no electric windows,

139
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no electric locks, no rear wiper,

140
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no rear defroster,

141
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no radio - but it was my car.

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With the money I had saved all that time,

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I made my first investment

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and I never stopped.

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From the moment that I started working -

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I started to work very early

147
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and worked a long time
as a TV reporter -

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I realized that I had
a great ability to save my money

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and to do the things
that were important to me.

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I always had very clear future goals

151
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and never stopped living in the present.

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As time went by,

153
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I started to feel a little
like an extraterrestrial, you know?

154
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People looked at me in a strange way like,

155
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"What?

156
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You bought your apartment with cash,
at 24, without robbing someone?

157
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Without asking your father?

158
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How can this be?"

159
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They thought that I was very bizarre,

160
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that there was something
strange in my story.

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I started to feel like the odd one out,

162
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all alone, like I feel on this stage.

163
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That started to bother me a lot
because I thought,

164
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"People, why?

165
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Why do people, even knowing
that they must spend less than they earn,

166
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continue to make these absurd errors

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and stop having the most important things,

168
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in order to have unimportant things?"

169
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I reached this conclusion
when I hired my cleaning lady -

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I was 24 and needed someone
to clean my house -

171
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and one day she told me, "Nathalia,
look, it's very hard to pay the bills."

172
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I said, "But why?"

173
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"I just bought a pair of sneakers
for my daughter and paid 700 reals."

174
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I used to pay her 600 reals.

175
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I said, "What makes a person
spend more than their own salary

176
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on one item?"

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Anyway, I went in search of answers,
and guess what I discovered?

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I'm going to say three, two, one,
and when I say three, two, one,

179
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you say, "Óóóóóó!"

180
00:09:05,091 --> 00:09:06,102
(Laughter)

181
00:09:06,102 --> 00:09:08,100
Ready? All together ...

182
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Three, two, one.

183
00:09:10,120 --> 00:09:11,534
(Audience) "Óóóóóó!"

184
00:09:11,809 --> 00:09:13,389
Nathalia Arcuri: Okay, very good.

185
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It was a cathartic moment

186
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because I looked for these answers
in economic psychology,

187
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and everything has
an explanation inside our brain.

188
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What is this explanation?

189
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It's like this: our brain likes
everything to be immediate -

190
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whatever is now or gives pleasure now.

191
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"I love this."

192
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"I like simple things, 
that don't make me think too much,

193
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and preferably are happening now."

194
00:09:36,510 --> 00:09:38,200
And something that grabs us,

195
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mainly related to money:

196
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human beings like having
the illusion that everything is good.

197
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"Look there, the tsunami is coming!

198
00:09:46,461 --> 00:09:48,980
When it gets here,
it will only be a little wave,

199
00:09:48,980 --> 00:09:50,889
nothing will happen, it'll all be fine."

200
00:09:50,889 --> 00:09:53,721
Then the tsunami comes,
catches you, and you die.

201
00:09:53,721 --> 00:09:55,271
This is how it happens.

202
00:09:55,271 --> 00:09:57,361
With financial life, it's the same thing.

203
00:09:57,361 --> 00:09:59,191
What don't human beings like?

204
00:09:59,191 --> 00:10:01,260
Making decisions.

205
00:10:01,260 --> 00:10:04,315
"Imagine: a piece of candy now
or three in the future,

206
00:10:04,315 --> 00:10:05,915
give it to me here and now,

207
00:10:05,915 --> 00:10:08,142
forget the future, come on ... "

208
00:10:08,142 --> 00:10:10,622
We don't like to think in the long term;

209
00:10:10,622 --> 00:10:14,182
this really confuses our brains.

210
00:10:14,182 --> 00:10:18,611
We also don't like to not have,
and, mainly, to not belong.

211
00:10:18,611 --> 00:10:21,971
Have you ever heard about herd mentality?

212
00:10:21,971 --> 00:10:25,432
When the lead ox goes,
everybody goes, and I don't know what -

213
00:10:25,432 --> 00:10:28,280
We all like to follow the same path,

214
00:10:28,280 --> 00:10:31,551
even if the destination is a cliff.

215
00:10:32,101 --> 00:10:33,251
Why?

216
00:10:33,251 --> 00:10:35,201
I don't know, the brain explains.

217
00:10:35,201 --> 00:10:37,710
Freud explained it all;
it's all explained.

218
00:10:37,710 --> 00:10:41,740
OK, I investigated the human mind,
as such, and discovered all this.

219
00:10:41,740 --> 00:10:44,939
Great, but what do I do
with this information?

220
00:10:44,939 --> 00:10:48,480
What's the use of knowing
how brain mechanisms work?

221
00:10:48,480 --> 00:10:50,689
Is there any way to change this?

222
00:10:50,689 --> 00:10:53,776
And then I went after
all these other answers!

223
00:10:53,776 --> 00:10:55,093
And guess what!

224
00:10:55,093 --> 00:11:01,153
I discovered the secret formula
for us to make a key change:

225
00:11:01,539 --> 00:11:04,158
Throw away everything 
that was put in our heads

226
00:11:04,158 --> 00:11:05,911
between zero and 12 years of age -

227
00:11:05,911 --> 00:11:11,205
that's when we form all our beliefs
and all our culture related to money.

228
00:11:11,289 --> 00:11:14,859
Do you want to know how we change it all?

229
00:11:15,169 --> 00:11:16,179
Yes?

230
00:11:16,179 --> 00:11:17,179
(Audience) Yes!

231
00:11:17,179 --> 00:11:19,049
NA: That's good. Well this is it.

232
00:11:19,559 --> 00:11:20,650
The following:

233
00:11:20,790 --> 00:11:22,711
This is the key to success.

234
00:11:23,031 --> 00:11:26,421
"What are you doing, Nathalia,
playing darts all day?" It's not this.

235
00:11:26,831 --> 00:11:31,501
I discovered that what made me
so different from the people around me

236
00:11:31,531 --> 00:11:35,721
was my very precocious
ability to have goals,

237
00:11:35,721 --> 00:11:38,230
to have targets, to have clear objectives,

238
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and, more than this,

239
00:11:40,990 --> 00:11:44,648
my inner strength, which we all have,

240
00:11:44,648 --> 00:11:47,358
and that I call the power
of "T," which is "L" in English.

241
00:11:47,358 --> 00:11:49,097
This isn't a common "L", folks.

242
00:11:49,097 --> 00:11:53,410
As you can see, it's a big letter "L"
which stands for "lust."

243
00:11:53,700 --> 00:11:58,645
When I say "lust," it has nothing to do
with its sexual connotation.

244
00:11:58,645 --> 00:12:01,680
Lust is what moves you,
what makes you get out of bed,

245
00:12:01,680 --> 00:12:05,400
and what keeps you
from procrastinating day after day.

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If you have goals, but don't have passion
for what you are doing,

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if you don't have enough desire,
you won't go forward, and it won't work.

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This is the great success formula.

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All this can be resolved for us
with this simple little diagram.

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When you have goals, you know
what your purposes are in life.

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When you have purposes,
your objectives are clearer.

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You have the ability
to see your priorities,

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what's really important for you.

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When you know what really matters to you,

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you spend less time and money
on things that are unimportant.

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People, it is so simple,
and it's so easy to get rich, people.

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What happens when you discover this

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and spend less time and less money
on what isn't important

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is that there's leftover money.

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And if you know how to invest
and care for it, you get rich.

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It's as simple as that.

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Well, having said all that,

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almost 20 years passed from my first "no,"

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to my second big "no."

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I was a reporter for Rede Record,
and I'd fulfilled my big dream

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because I'd had the goal of being
a show host and such.

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I thought,

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"Gee, people need to know

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everything I found out studying
so passionately, with so much lust.

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I need to change people's lives."

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I went to see my boss,
pretty and wonderful, and said,

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"Boss, here's the deal,
we're going to change people's lives.

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Let's use this box
called television to do this,

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and let's do a reality show where I -

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clearly very good
at changing people's lives -

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teach people how to get rich.

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I'll take desperate indebted people,
and change them into savers

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in four weeks."

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He said, "Wow. Incredible. Write
this down. Nathalia, you're a genius."

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Cool, it was there, everything on paper.

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Two weeks went by and guess what happened?

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The second big "no" of my life.

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This "no" wasn't this size;
it was this size.

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It was a humongous "no"

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because not only did he say,
"No, Nathalia, we're not doing this,"

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he said, "No, Nathalia
you're not doing it;

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someone else is doing your idea
because it's very good."

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Right then, with that "no" facing me -

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and here's the power of "no,"
"no" is revolutionary -

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00:14:27,052 --> 00:14:30,980
I said, "Great, wonderful,
let's look for my 'yes.'"

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It was then that I created
a blog called "Me Poupe,"

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where the idea was to use entertainment
and humor to transform people's lives

293
00:14:38,700 --> 00:14:41,770
in a way that they wouldn't even
realize that were learning,

294
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kind of like brainwashing.

295
00:14:43,109 --> 00:14:45,430
Don't tell anyone about this, OK?

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The blog started having some success

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00:14:48,420 --> 00:14:51,108
because in the finance area
it's very difficult

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to break down paradigms in a simple way.

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Last year, I created a YouTube channel
where I used all my knowledge,

300
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coupled with my incredible speaking
technique in front of a camera.

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Then the channel started
to have a certain relevancy.

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Last year in December,

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I received an offer
to be sponsored by a big company,

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and so I quit Rede Record
in order to follow my dream,

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which is to transform people's lives
through financial entertainment.

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And that's what came out
of all this and of that "no,"

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which I'd like to show you now:

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(Video) NA: Today I have three basic tips
for you to enjoy life and save.

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You don't need to give up
your life to save money.

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This is a myth of lazy people

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who don't want to work hard
to be able to save money and enjoy life.

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00:15:46,815 --> 00:15:49,955
The first thing you must do
to be able to enjoy life and save

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is to know what is important to you.

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00:15:52,097 --> 00:15:55,997
Young person: For me, a car is important,
football is important, beer is important,

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00:15:55,997 --> 00:15:57,643
my "brothers" are important,

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00:15:57,643 --> 00:15:59,526
it's all important, it won't work ...

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NA: Are you kidding me?

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Young person: Girl,
it won't work. Forget about it.

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00:16:03,967 --> 00:16:06,577
NA: This is the kind of thing I hear.

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(On Stage) NA: So, I'd like to end
this presentation with a question

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for you to think about today:

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00:16:13,255 --> 00:16:15,765
by which "no" are you going to live today?

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Think about it.

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Thank you.

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00:16:18,164 --> 00:16:19,994
(Applause)