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← The power of "no" and money | Nathalia Arcuri | TEDxDanteAlighieriSchool

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Showing Revision 115 created 10/21/2020 by David DeRuwe.

  1. Good morning.
  2. Well, I want to share, first of all,
  3. what my reaction was
  4. when I was invited to participate
    at TEDxDanteAlighieriSchool.
  5. I recorded this moment to show you
  6. what it felt like
  7. when I received this invitation -
  8. and it was, more or less, like this.
  9. (Laughter)
  10. I went nuts!
  11. I said, "My god! What proportions
    has this business taken?"
  12. Soon, as our friend said - the monkey,
    I don't know why the monkey appeared -
  13. and I said,
  14. "No, Nathalia, think well, breathe deep,
    and let's make this happen."
  15. How can we change
    the financial lives of 300 people,
  16. or of 7 billion people
    through TEDx, in 15 minutes?
  17. I thought hard and came to the conclusion
    that in five seconds my life had changed,
  18. so why not change the lives
    of so many people in 15 minutes?
  19. And then, I thought of a word,
    a tiny little word with just two letters
  20. that can change anyone's life.
  21. Many people think that this word
    has a negative connotation,
  22. but I believe it's the opposite.
  23. This word is "no."
  24. Lately, the word "no"
    has been kind of forgotten, right?
  25. I've noticed that many parents
    have difficulty using the word "no,"
  26. and I don't understand why.
  27. So, I came here today to tell you
    how "no" changed my life,
  28. how "no" brought me here today,
    and about the transforming power of "no."
  29. Folks, the hashtag is #nãoépoder.
  30. After you leave here,
    use this on your social networks.
  31. All this started about -
  32. It takes a little time, not too much.
  33. I'm still young, very young.
    You can see that, right?
  34. And all this started when I had this hair.
  35. (Laughter)
  36. At that time -
  37. My parents were never rich,
  38. and they never had
    a basic financial education.
  39. In schools, there's always
    a little group that's like,
  40. "Oh, that's the rich girl,
    that one is this, that's that."
  41. And there was a rich girl in my group.
  42. One day, the rich little girl
    came to us and said,
  43. "My father opened
    a savings account to buy me a car
  44. when I turn 18."
  45. The photo shows my age
    when I heard this.
  46. That hit my brain
    with an overpowering effect.
  47. I always was a little
    "Fantastic World of Bob", you know,
  48. so, at that exact moment,
    I imagined myself,
  49. with my wild hair, in my convertible,
  50. racing around the streets of São Paulo.
  51. How could my hair handle such wind?
  52. But I imagined myself, very free,
    with this car at the age of 18.
  53. I went home and sat at the table
    with my parents,
  54. and I asked them a fateful question.
  55. "Do I have a savings account?"
  56. Today, I keep imagining
    my father at that time,
  57. in front of me, knowing
    the answer that would follow,
  58. which, as you must imagine, was,
  59. "No!"
  60. (Laughter)
  61. Obviously, no.
  62. My parents.
  63. (Laughter)
  64. No, I didn't have a savings account.

  65. In that moment, I began to think.
  66. I didn't have a savings account,
    and also didn't have an allowance,
  67. and I wanted to buy that car.
  68. At the end of the day,
    this wasn't only a financial matter,
  69. a matter of money.
  70. That car meant freedom.
  71. It was like the ultimate achievement
    of success at age 18,
  72. and I would have my car;
    it would be incredible,
  73. and, my, how could I do this?
  74. This car was the consumer's dream
    at the time, people.
  75. (Laughter)
  76. It was my consumer's dream:
  77. it was red and it was incredible,
    despite not being a convertible.
  78. I said, "Well, I don't have the money."
  79. I'd already figured out
    that a savings account meant money,
  80. and, once in a while,
    I would earn two reals for a snack
  81. because my father wouldn't just give me
    two reals, and it was only sometimes.
  82. I said, "Well, two reals."
  83. I never thought of money like that,
    like a two-real note.
  84. I imagined two reals or ten reals
    or whatever amount
  85. like it was a piece of my car.
  86. So already in my childhood,
    it started a dilemma:

  87. "Two reals or a greasy rissole
    at Tião's cafeteria?"
  88. Luckily, I thought more about my car
  89. because if I had eaten Tião's greasy food,
  90. perhaps I would have a clogged artery
    by the time I was 31.
  91. Luckily, the car spoke louder in my head.
  92. So I became a little piggy bank.

  93. With each two reals,
  94. very early on, I started to have
    a projection mindset,
  95. making accounts - how much I was going
    to have in one year, in two years, etc.
  96. Because at the end of the day, I realized
    that what I had the most of was time,
  97. and that time related to money,
    and although it seemed to be not much,
  98. over time, it would turn into a fortune.
  99. Later, I spent weekends,

  100. when I was a little bigger
    and such, sassy,
  101. getting to know what a newspaper was
    and what the classified ads were.
  102. Then I started to think
    about which car I was going to buy
  103. if I kept my discipline
    of saving money little by little.
  104. And then, I discovered
    that I could buy a Buggy!
  105. I was going to have my convertible! Yes!
  106. (Laughter)
  107. At that time, my hair
    was a little straighter.
  108. I learned to straighten my hair myself
  109. because, after all,
  110. when you go to the hairdresser,
    what do you spend?
  111. Money.
  112. Actually, this was the first big
    investment I was able to make.
  113. I convinced my father -
    I didn't have my car -
  114. but I convinced my father
    to buy a brush and a hair dryer,
  115. and in this way, I hit the jackpot,
  116. "Each time that I blow dry
    my hair, you give me ten reals
  117. because it saves you 30 reals
    in the beauty parlor."
  118. Guys, learn this:
    OPM, "Other People's Money."
  119. (Laughter)
  120. That simple.
  121. Anyway, I discovered
    that my "no" meant my car
  122. because, different from the stories
    that many people tell,
  123. "I did this and that," and finally,
    "Did you make it?"- no.
  124. I don't have this sad story to tell
  125. because that "no" meant sufficient money
  126. to buy my car when I was 18.
  127. It turns out I didn't need to buy the car.
  128. I was a girl - seriously, great, huh? -
  129. and what parents wouldn't want
    to have a daughter like this?
  130. I saved money, lent money
    when needed, and such.
  131. When I was 18,
  132. I discovered my godmother
    had taken a line of credit for me
  133. with a consortium.
  134. My godmother, for some reason
    I still don't understand,
  135. is addicted to consortia.
  136. She did the consortium when I was 10
  137. and received the credit when I was 18,
    so it was really a matter of luck.
  138. I bought my car - no electric windows,
  139. no electric locks, no rear wiper,
  140. no rear defroster,
  141. no radio - but it was my car.
  142. With the money I had saved all that time,
  143. I made my first investment
  144. and I never stopped.
  145. From the moment that I started working -
  146. I started to work very early
  147. and worked a long time
    as a TV reporter -
  148. I realized that I had
    a great ability to save my money
  149. and to do the things
    that were important to me.
  150. I always had very clear future goals
  151. and never stopped living in the present.
  152. As time went by,
  153. I started to feel a little
    like an extraterrestrial, you know?
  154. People looked at me in a strange way like,
  155. "What?
  156. You bought your apartment with cash,
    at 24, without robbing someone?
  157. Without asking your father?
  158. How can this be?"
  159. They thought that I was very bizarre,
  160. that there was something
    strange in my story.
  161. I started to feel like the odd one out,
  162. all alone, like I feel on this stage.
  163. That started to bother me a lot
    because I thought,
  164. "People, why?
  165. Why do people, even knowing
    that they must spend less than they earn,
  166. continue to make these absurd errors
  167. and stop having the most important things,
  168. in order to have unimportant things?"
  169. I reached this conclusion
    when I hired my cleaning lady -
  170. I was 24 and needed someone
    to clean my house -
  171. and one day she told me, "Nathalia,
    look, it's very hard to pay the bills."
  172. I said, "But why?"
  173. "I just bought a pair of sneakers
    for my daughter and paid 700 reals."
  174. I used to pay her 600 reals.
  175. I said, "What makes a person
    spend more than their own salary
  176. on one item?"
  177. Anyway, I went in search of answers,
    and guess what I discovered?
  178. I'm going to say three, two, one,
    and when I say three, two, one,
  179. you say, "Óóóóóó!"
  180. (Laughter)
  181. Ready? All together ...

  182. Three, two, one.
  183. (Audience) "Óóóóóó!"
  184. Nathalia Arcuri: Okay, very good.

  185. It was a cathartic moment
  186. because I looked for these answers
    in economic psychology,
  187. and everything has
    an explanation inside our brain.
  188. What is this explanation?
  189. It's like this: our brain likes
    everything to be immediate -
  190. whatever is now or gives pleasure now.
  191. "I love this."
  192. "I like simple things,
    that don't make me think too much,
  193. and preferably are happening now."
  194. And something that grabs us,
  195. mainly related to money:
  196. human beings like having
    the illusion that everything is good.
  197. "Look there, the tsunami is coming!
  198. When it gets here,
    it will only be a little wave,
  199. nothing will happen, it'll all be fine."
  200. Then the tsunami comes,
    catches you, and you die.
  201. This is how it happens.
  202. With financial life, it's the same thing.
  203. What don't human beings like?
  204. Making decisions.
  205. "Imagine: a piece of candy now
    or three in the future,
  206. give it to me here and now,
  207. forget the future, come on ... "
  208. We don't like to think in the long term;
  209. this really confuses our brains.
  210. We also don't like to not have,
    and, mainly, to not belong.
  211. Have you ever heard about herd mentality?
  212. When the lead ox goes,
    everybody goes, and I don't know what -
  213. We all like to follow the same path,
  214. even if the destination is a cliff.
  215. Why?
  216. I don't know, the brain explains.
  217. Freud explained it all;
    it's all explained.
  218. OK, I investigated the human mind,
    as such, and discovered all this.
  219. Great, but what do I do
    with this information?
  220. What's the use of knowing
    how brain mechanisms work?
  221. Is there any way to change this?
  222. And then I went after
    all these other answers!
  223. And guess what!
  224. I discovered the secret formula
    for us to make a key change:
  225. Throw away everything
    that was put in our heads
  226. between zero and 12 years of age -
  227. that's when we form all our beliefs
    and all our culture related to money.
  228. Do you want to know how we change it all?
  229. Yes?
  230. (Audience) Yes!
  231. NA: That's good. Well this is it.
  232. The following:
  233. This is the key to success.
  234. "What are you doing, Nathalia,
    playing darts all day?" It's not this.
  235. I discovered that what made me
    so different from the people around me
  236. was my very precocious
    ability to have goals,
  237. to have targets, to have clear objectives,
  238. and, more than this,
  239. my inner strength, which we all have,
  240. and that I call the power
    of "T," which is "L" in English.
  241. This isn't a common "L", folks.
  242. As you can see, it's a big letter "L"
    which stands for "lust."
  243. When I say "lust," it has nothing to do
    with its sexual connotation.
  244. Lust is what moves you,
    what makes you get out of bed,
  245. and what keeps you
    from procrastinating day after day.
  246. If you have goals, but don't have passion
    for what you are doing,
  247. if you don't have enough desire,
    you won't go forward, and it won't work.
  248. This is the great success formula.
  249. All this can be resolved for us
    with this simple little diagram.
  250. When you have goals, you know
    what your purposes are in life.
  251. When you have purposes,
    your objectives are clearer.
  252. You have the ability
    to see your priorities,
  253. what's really important for you.
  254. When you know what really matters to you,
  255. you spend less time and money
    on things that are unimportant.
  256. People, it is so simple,
    and it's so easy to get rich, people.
  257. What happens when you discover this
  258. and spend less time and less money
    on what isn't important
  259. is that there's leftover money.
  260. And if you know how to invest
    and care for it, you get rich.
  261. It's as simple as that.
  262. Well, having said all that,
  263. almost 20 years passed from my first "no,"
  264. to my second big "no."
  265. I was a reporter for Rede Record,
    and I'd fulfilled my big dream
  266. because I'd had the goal of being
    a show host and such.
  267. I thought,
  268. "Gee, people need to know
  269. everything I found out studying
    so passionately, with so much lust.
  270. I need to change people's lives."
  271. I went to see my boss,
    pretty and wonderful, and said,
  272. "Boss, here's the deal,
    we're going to change people's lives.
  273. Let's use this box
    called television to do this,
  274. and let's do a reality show where I -
  275. clearly very good
    at changing people's lives -
  276. teach people how to get rich.
  277. I'll take desperate indebted people,
    and change them into savers
  278. in four weeks."
  279. He said, "Wow. Incredible. Write
    this down. Nathalia, you're a genius."
  280. Cool, it was there, everything on paper.
  281. Two weeks went by and guess what happened?
  282. The second big "no" of my life.
  283. This "no" wasn't this size;
    it was this size.
  284. It was a humongous "no"
  285. because not only did he say,
    "No, Nathalia, we're not doing this,"
  286. he said, "No, Nathalia
    you're not doing it;
  287. someone else is doing your idea
    because it's very good."
  288. Right then, with that "no" facing me -
  289. and here's the power of "no,"
    "no" is revolutionary -
  290. I said, "Great, wonderful,
    let's look for my 'yes.'"
  291. It was then that I created
    a blog called "Me Poupe,"
  292. where the idea was to use entertainment
    and humor to transform people's lives
  293. in a way that they wouldn't even
    realize that were learning,
  294. kind of like brainwashing.
  295. Don't tell anyone about this, OK?
  296. The blog started having some success
  297. because in the finance area
    it's very difficult
  298. to break down paradigms in a simple way.
  299. Last year, I created a YouTube channel
    where I used all my knowledge,
  300. coupled with my incredible speaking
    technique in front of a camera.
  301. Then the channel started
    to have a certain relevancy.
  302. Last year in December,
  303. I received an offer
    to be sponsored by a big company,
  304. and so I quit Rede Record
    in order to follow my dream,
  305. which is to transform people's lives
    through financial entertainment.
  306. And that's what came out
    of all this and of that "no,"
  307. which I'd like to show you now:
  308. (Video) NA: Today I have three basic tips
    for you to enjoy life and save.
  309. You don't need to give up
    your life to save money.
  310. This is a myth of lazy people
  311. who don't want to work hard
    to be able to save money and enjoy life.
  312. The first thing you must do
    to be able to enjoy life and save
  313. is to know what is important to you.
  314. Young person: For me, a car is important,
    football is important, beer is important,
  315. my "brothers" are important,
  316. it's all important, it won't work ...
  317. NA: Are you kidding me?
  318. Young person: Girl,
    it won't work. Forget about it.
  319. NA: This is the kind of thing I hear.
  320. (On Stage) NA: So, I'd like to end
    this presentation with a question
  321. for you to think about today:
  322. by which "no" are you going to live today?
  323. Think about it.
  324. Thank you.
  325. (Applause)