WEBVTT

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Good morning.

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Well, I want to share, first of all,

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what my reaction was

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when I was invited to participate
at TEDxDanteAlighieriSchool.

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I recorded this moment to show you

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what it felt like

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when I received this invitation -

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and it was, more or less, like this.

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(Laughter)

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I went nuts!

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

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

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and I said,

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

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How can we change
the financial lives of 300 people,

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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,

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

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

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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?

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

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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 -

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It takes a little time, not too much.

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

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And all this started when I had this hair.

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(Laughter)

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At that time -

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My parents were never rich,

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and they never had
a basic financial education.

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

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

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And there was a rich girl in my group.

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

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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,

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so, at that exact moment,
I imagined myself,

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with my wild hair, in my convertible,

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racing around the streets of São Paulo.

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How could my hair handle such wind?

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

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

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and I asked them a fateful question.

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"Do I have a savings account?"

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Today, I keep imagining
my father at that time,

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

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which, as you must imagine, was,

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"No!"

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(Laughter)

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Obviously, no.

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My parents.

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(Laughter)

NOTE Paragraph

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No, I didn't have a savings account.

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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,

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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)

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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."

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

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

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

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I said, "Well, two reals."

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

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I imagined two reals or ten reals
or whatever amount

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like it was a piece of my car.

NOTE Paragraph

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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?"

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Luckily, I thought more about my car

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because if I had eaten Tião's greasy food,

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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.

NOTE Paragraph

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So I became a little piggy bank.

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With each two reals,

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

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

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

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

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over time, it would turn into a fortune.

NOTE Paragraph

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Later, I spent weekends,

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when I was a little bigger
and such, sassy,

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

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

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

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

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I was going to have my convertible! Yes!

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(Laughter)

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At that time, my hair
was a little straighter.

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I learned to straighten my hair myself

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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.

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

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

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

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and in this way, I hit the jackpot,

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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."

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

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(Laughter)

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That simple.

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

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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? -

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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.

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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.

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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,

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no electric locks, no rear wiper,

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no rear defroster,

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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

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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

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and never stopped living in the present.

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As time went by,

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

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People looked at me in a strange way like,

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"What?

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

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Without asking your father?

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How can this be?"

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They thought that I was very bizarre,

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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,

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all alone, like I feel on this stage.

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That started to bother me a lot
because I thought,

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"People, why?

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

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continue to make these absurd errors

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and stop having the most important things,

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in order to have unimportant things?"

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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 -

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

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I said, "But why?"

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

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I used to pay her 600 reals.

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

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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,

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you say, "Óóóóóó!"

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(Laughter)

NOTE Paragraph

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Ready? All together ...

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Three, two, one.

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(Audience) "Óóóóóó!"

NOTE Paragraph

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Nathalia Arcuri: Okay, very good.

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It was a cathartic moment

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because I looked for these answers
in economic psychology,

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and everything has
an explanation inside our brain.

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What is this explanation?

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

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whatever is now or gives pleasure now.

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"I love this."

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

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and preferably are happening now."

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And something that grabs us,

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mainly related to money:

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human beings like having
the illusion that everything is good.

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"Look there, the tsunami is coming!

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When it gets here,
it will only be a little wave,

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nothing will happen, it'll all be fine."

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Then the tsunami comes,
catches you, and you die.

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This is how it happens.

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With financial life, it's the same thing.

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What don't human beings like?

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Making decisions.

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"Imagine: a piece of candy now
or three in the future,

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give it to me here and now,

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forget the future, come on ... "

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We don't like to think in the long term;

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this really confuses our brains.

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We also don't like to not have,
and, mainly, to not belong.

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Have you ever heard about herd mentality?

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When the lead ox goes,
everybody goes, and I don't know what -

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We all like to follow the same path,

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even if the destination is a cliff.

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Why?

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I don't know, the brain explains.

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Freud explained it all;
it's all explained.

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OK, I investigated the human mind,
as such, and discovered all this.

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Great, but what do I do
with this information?

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What's the use of knowing
how brain mechanisms work?

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Is there any way to change this?

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And then I went after
all these other answers!

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And guess what!

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I discovered the secret formula
for us to make a key change:

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Throw away everything 
that was put in our heads

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between zero and 12 years of age -

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that's when we form all our beliefs
and all our culture related to money.

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Do you want to know how we change it all?

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Yes?

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(Audience) Yes!

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NA: That's good. Well this is it.

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The following:

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This is the key to success.

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"What are you doing, Nathalia,
playing darts all day?" It's not this.

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I discovered that what made me
so different from the people around me

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was my very precocious
ability to have goals,

00:11:35.721 --> 00:11:38.230
to have targets, to have clear objectives,

00:11:38.230 --> 00:11:40.090
and, more than this,

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my inner strength, which we all have,

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and that I call the power
of "T," which is "L" in English.

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This isn't a common "L", folks.

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As you can see, it's a big letter "L"
which stands for "lust."

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When I say "lust," it has nothing to do
with its sexual connotation.

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Lust is what moves you,
what makes you get out of bed,

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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.

00:12:25.290 --> 00:12:29.048
When you have purposes,
your objectives are clearer.

00:12:29.048 --> 00:12:32.385
You have the ability
to see your priorities,

00:12:32.385 --> 00:12:34.970
what's really important for you.

00:12:34.970 --> 00:12:38.377
When you know what really matters to you,

00:12:38.377 --> 00:12:44.504
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.

00:12:49.171 --> 00:12:51.500
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.

00:12:56.479 --> 00:12:59.629
And if you know how to invest
and care for it, you get rich.

00:12:59.629 --> 00:13:01.579
It's as simple as that.

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Well, having said all that,

00:13:03.724 --> 00:13:07.614
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

00:13:16.150 --> 00:13:19.640
because I'd had the goal of being
a show host and such.

00:13:19.800 --> 00:13:20.900
I thought,

00:13:20.900 --> 00:13:22.831
"Gee, people need to know

00:13:22.831 --> 00:13:27.141
everything I found out studying
so passionately, with so much lust.

00:13:27.141 --> 00:13:29.451
I need to change people's lives."

00:13:29.451 --> 00:13:32.059
I went to see my boss,
pretty and wonderful, and said,

00:13:32.059 --> 00:13:35.050
"Boss, here's the deal,
we're going to change people's lives.

00:13:35.050 --> 00:13:38.270
Let's use this box
called television to do this,

00:13:38.270 --> 00:13:40.409
and let's do a reality show where I -

00:13:40.409 --> 00:13:42.909
clearly very good
at changing people's lives -

00:13:42.909 --> 00:13:44.740
teach people how to get rich.

00:13:44.740 --> 00:13:49.521
I'll take desperate indebted people,
and change them into savers

00:13:49.521 --> 00:13:51.260
in four weeks."

00:13:51.720 --> 00:13:57.454
He said, "Wow. Incredible. Write
this down. Nathalia, you're a genius."

00:13:57.454 --> 00:13:59.689
Cool, it was there, everything on paper.

00:13:59.689 --> 00:14:02.759
Two weeks went by and guess what happened?

00:14:02.759 --> 00:14:05.931
The second big "no" of my life.

00:14:05.931 --> 00:14:08.390
This "no" wasn't this size;
it was this size.

00:14:08.390 --> 00:14:10.678
It was a humongous "no"

00:14:10.678 --> 00:14:14.348
because not only did he say,
"No, Nathalia, we're not doing this,"

00:14:14.348 --> 00:14:16.527
he said, "No, Nathalia
you're not doing it;

00:14:16.527 --> 00:14:20.049
someone else is doing your idea
because it's very good."

00:14:20.669 --> 00:14:23.707
Right then, with that "no" facing me -

00:14:23.707 --> 00:14:27.030
and here's the power of "no,"
"no" is revolutionary -

00:14:27.052 --> 00:14:30.980
I said, "Great, wonderful,
let's look for my 'yes.'"

00:14:31.190 --> 00:14:33.943
It was then that I created
a blog called "Me Poupe,"

00:14:33.943 --> 00:14:38.700
where the idea was to use entertainment
and humor to transform people's lives

00:14:38.700 --> 00:14:41.770
in a way that they wouldn't even
realize that were learning,

00:14:41.770 --> 00:14:43.109
kind of like brainwashing.

00:14:43.109 --> 00:14:45.430
Don't tell anyone about this, OK?

00:14:45.870 --> 00:14:48.420
The blog started having some success

00:14:48.420 --> 00:14:51.108
because in the finance area
it's very difficult

00:14:51.108 --> 00:14:54.779
to break down paradigms in a simple way.

00:14:54.899 --> 00:15:01.069
Last year, I created a YouTube channel
where I used all my knowledge,

00:15:01.188 --> 00:15:06.027
coupled with my incredible speaking
technique in front of a camera.

00:15:06.237 --> 00:15:08.984
Then the channel started
to have a certain relevancy.

00:15:08.984 --> 00:15:10.574
Last year in December,

00:15:10.574 --> 00:15:15.130
I received an offer
to be sponsored by a big company,

00:15:15.130 --> 00:15:19.849
and so I quit Rede Record
in order to follow my dream,

00:15:19.849 --> 00:15:24.049
which is to transform people's lives
through financial entertainment.

00:15:24.509 --> 00:15:28.561
And that's what came out
of all this and of that "no,"

00:15:28.561 --> 00:15:30.735
which I'd like to show you now:

00:15:30.735 --> 00:15:35.515
(Video) NA: Today I have three basic tips
for you to enjoy life and save.

00:15:35.515 --> 00:15:39.676
You don't need to give up
your life to save money.

00:15:39.676 --> 00:15:42.915
This is a myth of lazy people

00:15:42.915 --> 00:15:46.775
who don't want to work hard
to be able to save money and enjoy life.

00:15:46.815 --> 00:15:49.955
The first thing you must do
to be able to enjoy life and save

00:15:49.955 --> 00:15:52.097
is to know what is important to you.

00:15:52.097 --> 00:15:55.997
Young person: For me, a car is important,
football is important, beer is important,

00:15:55.997 --> 00:15:57.643
my "brothers" are important,

00:15:57.643 --> 00:15:59.526
it's all important, it won't work ...

00:15:59.526 --> 00:16:01.286
NA: Are you kidding me?

00:16:01.286 --> 00:16:03.677
Young person: Girl,
it won't work. Forget about it.

00:16:03.967 --> 00:16:06.577
NA: This is the kind of thing I hear.

00:16:06.577 --> 00:16:10.077
(On Stage) NA: So, I'd like to end
this presentation with a question

00:16:10.077 --> 00:16:13.035
for you to think about today:

00:16:13.255 --> 00:16:15.765
by which "no" are you going to live today?

00:16:15.765 --> 00:16:17.104
Think about it.

00:16:17.104 --> 00:16:18.164
Thank you.

00:16:18.164 --> 00:16:19.994
(Applause)