{"title": "Investor School and Little Entrepreneurs | Mikko Nurminen and Timo Holmström | Negotiator 113", "titleOriginal": "Sijoittajakoulu ja pikkuyrittäjät | Nurminen Holmström | #neuvottelija 113", "episodeNumber": "113", "guest": "Mikko Nurminen, Timo Holmström", "publishedAt": "2021-12-19", "duration": "52:51", "durationIso": "PT52M51S", "youtube": "https://www.youtube.com/watch?v=h_O2N7ZsWwE", "fiCanonical": "https://www.neuvottelija.fi/fi/episodes/139-sijoittajakoulu-ja-pikkuyrittajat-nurminen-holmstrom-neuvott", "originalLanguage": "fi", "format": "full", "topics": ["investing_markets", "leadership_governance"], "description": "Two initiatives with one shared observation: financial matters are not learned in theory. Mikko Nurminen's Little Entrepreneurs brings a programme into primary schools where ten- and eleven-year-olds found a real company and end up selling their products to a real customer, and the decisive moment is when money changes hands. Timo Holmström's Investor School does not aim to tell pupils about investing but to get a sixteen-year-old actually to open a securities account; the essential ingredient is community, because for young people social incentives do the work. The episode also covers a charity portfolio for low-income young people, why an entrepreneur needs investor education most of all, and the entrepreneur's social security.", "chapters": [], "sourceTranscriptType": "none", "subtitleMethod": "none", "provenance": "Owner page assembled from YouTube metadata and the neuvottelija.fi episode record. No chapter marks are published here: the publisher's list holds only two marks, at 0:00 and 0:49, and it is a split of the show-note text rather than a chapter list, so republishing it would assert timestamps that do not hold. No transcript is published either — the channel has no English caption track for this episode and the Finnish one is YouTube's automatic track. Both guests run the programmes they describe and the episode is promotional for both; encouraging sixteen-year-olds to open securities accounts is a contested aim in financial education and no one arguing against it is present. Nothing in the episode is investment advice.", "coreTheses": ["The learning happens when money actually changes hands, which is why a simulated exercise and a real sale are not versions of the same lesson.", "The measurable objective is an account opened, not a curriculum covered — a far harder target and a far better one.", "For teenagers the binding incentive is social, so the community around the programme does more work than its content.", "Entrepreneurs are the group with the greatest need for investor education and the least time to seek it out."], "slug": "ep113-sijoittajakoulu-ja-pikkuyrittajat-nurminen-holmstrom", "guestsCanonical": ["Mikko Nurminen", "Timo Holmström"], "guestPages": ["https://www.neuvottelija.com/podcast/guests/mikko-nurminen/", "https://www.neuvottelija.com/podcast/guests/timo-holmstrom/"], "page": "https://www.neuvottelija.com/podcast/episodes/ep113-sijoittajakoulu-ja-pikkuyrittajat-nurminen-holmstrom/", "markdown": "https://www.neuvottelija.com/podcast/episodes/ep113-sijoittajakoulu-ja-pikkuyrittajat-nurminen-holmstrom/index.md", "captions": null, "transcript": null, "videoId": "h_O2N7ZsWwE", "dbId": null, "qaCoveragePct": 0.0, "qaSemanticVerdict": "metadata_only", "aiArticleEn": "https://www.neuvottelija.com/ai/ep113-sijoittajakoulu-ja-pikkuyrittajat-nurminen-holmstrom/", "aiArticleFi": "https://www.neuvottelija.fi/economy/ep113-sijoittajakoulu-ja-pikkuyrittajat-nurminen-holmstrom/"}