Shadowing Practice: The WORST Financial Situation Caleb Hammer Has Ever Seen (Sad) - Learn English Speaking with Video
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1
What's the worst episode that you've done where you look back and this person's in the worst financial position?
2
Because there's been a few where you've said this is the worst finances I've ever seen as a title.
3
Yeah.
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But what is actually the worst?
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It's someone that I haven't had an update from, and I'm really sad about that.
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When I was first doing the show and not a single episode was released, we recorded four episodes and I put out a call in Austin for anyone to come on the show.
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I'd give them like 50 bucks, which is like all I had at the time.
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There's someone with $250 ,000 in private student loan debts at variable high interest rates.
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I can't imagine of those interest rates are like now, because they were at 10 % then.
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They started at like $150 ,000.
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In only a few years, they went to $250 ,000.
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They're going to be a million dollars before she knows it.
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And she really doesn't utilize it.
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It's for social work.
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Who gives these loans?
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Well, that's surprising to me that someone saw that and checks the box, say, yeah, we're going to give you the money on that.
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I know, right?
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Personal responsibility is very important.
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I will say in this situation, she certainly got fucked with her dad.
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Her dad, she shouldn't have done it, but as an impressionable teenager getting out of high school, her dad was like, sign the loan.
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I'll pay for it I'll pay for it her dad's ghosted her essentially
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and it's become this has been a complete tear in the relationship
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so they haven't you know seen each other ghost
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because of the loan I don't remember exactly that would be conversation
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that would be gnarly if you just couldn't make the payments
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and that's an awkward conversation to have with you she wanted to go to an in -state school in California
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that was public
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and save a lot of money he was like go to
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Baylor that's where I want you to go borrow as much
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as it take I will pay payler Baylor is a out -of -state private institution
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so she did get fucked in it but because of that
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and with the degree that doesn't make as much money
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that has to be one of the more daunting situations I've ever seen
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and she you can see in her finances
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that she's given up how good would you recommend for somebody
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like her what would she do you can't you can't discharge student loans
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and bankruptcy that's why they're so terrible
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because they allow an 18 year old kid to take on
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hundreds of thousands of dollars of debt regardless of what they want to study
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and there's no recourse you can't discharge that in bankruptcy
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because you're getting an education the education stays with you
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so you just get screwed yeah there's no way around it it's terrible
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and the fact that people sign off on that
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when they could buy a house with it I do you know
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and at least they could claim the house back
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but now that's why the student loans there's no recourse on it another conversation
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that needs to happen as a guy who has lots of
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music friends I studied in school music I loved my school music they excelled at quite a things like jazz
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and music therapy and stuff like that you know i love the experience not
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every single college in the united states needs to offer a music degree
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or an arts degree these are industries
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that the vast minority the small minority make it right
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and that's okay and i think anyone should pursue it with
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that expectation of knowing it's going to be hard and they can totally do that.
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But when a college of 10 ,000 people in the middle of Iowa
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or whatever is offering these degrees that have training
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that are lackluster compared to other institutions and are setting their students up for failure, it's irresponsible that institution to even offer that degree in the first place.
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But I get it because the college wants the money.
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You got the professors.
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They're on payroll.
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They're getting tenure.
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You got the college.
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You got the all the executives.
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Administrators?
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Yeah, administrators that take up a massive percentage of payroll for colleges.
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So I think it's irresponsible for that every single institution in the United States, regardless of them, and we have a billion of them, needs to offer every degree, even if that education for that degree at
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that institution is not going to be as good as it could be somewhere else.
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How do we get that girl back on the podcast?
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I don't think she wants to.
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Again, she wasn't from the audience.
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I cut out a lot of things that she wanted me to cut out, including even after the fact uh can you get can you
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gift her something towards the student loans in exchange for coming
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on i think i even gave her a big chunk of money after the fact
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because i was like hey you're one of the first people
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on the episode i know you weren't thrilled with the experience
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which by the way we sent on a survey to all the past guests this year
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and we got an average four out of five in terms of the experience the only thing
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that people don't like is that we rush a lot they feel
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but either way she's one of the first guests yeah and uh
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because she didn't know what the show was i didn't even
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know what the show was i think she was just oh
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this went in front of more people than i was expecting than any of us expected
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so yeah i don't think she wants to be in front of
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that same amount of audience again fair rough situation though yeah i feel
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so bad for her
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and i would no i'd love to help in any way
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whatsoever hopefully the budget i gave her i i know in
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those situations some people i i will also say just for context
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because i've read it a few places
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that um i was nicer in those earlier episodes uh in her situation stuff like
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that uh and that i'm not me or anything like that
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when i get like intense and stuff like
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that no i'm i'm like actually allowing my personality to come through now
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when i was first getting started i had no idea what
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a youtube video took i was trying to level back you know don't want to put off things especially
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while i have another job i don't want to come across as rude
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so i was just a lot more things were just tame.
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and just chill, including her episode.
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But now I'm literally just me.
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I just try to be the most open, honest person I can be at all times.
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Well, now people know what to expect.
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Yeah.
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And so if they're signing up, though, they know that you're probably going to yell at them.
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Yeah.
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Well, it also depends on the people's situation.
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We had a dude, unfortunately, experiencing homelessness on recently.
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I don't think The Voice was raised once in that episode.
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And I gifted him what he needed to, like, his first two months of rent.
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I gifted him.
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I gifted him a refrigerator for his current situation so he didn't have to eat out all the time.
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And I gifted him, someone from the audience gifted him a drone.
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A drone because he was making good money working for drone companies, but his drone broke down and then he went homeless.
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And then also I offered to pay for his first four therapy sessions because he has some really critical depression.
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So I love being in the position to be able to help with that.
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So it depends on the episode.
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But yes, there are lots of people like the model that you were talking about.
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She wasn't receptive to anything.
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So naturally, as me just being me, you know, I'm just very invested in it.
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And I hate when I care more about their situation than they do.
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But I also get equally as excited when they pay off their debt.
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Like, dude, I get so fucking hype.
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Like, you have no idea.
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When people are making progress, dude, that emotion you see when I'm angry is equal on the other side of me being excited for them.
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Because the channel's only been around for a year and a half and debt takes a long time to pay off.
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We've seen less of that excitement.
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We will, though.
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You got to do like the Dave Ramsey debt -free scream, but like your version of that when they pay off like student loans or something like that.
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You know, when they do a six -month emergency fund, let's say, have them come back and like take a photo or something like that.
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We tell them to keep us updated all along the way.
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You know what you need?
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Awards.
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Little trophies to give you.
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Oh, that would be good.
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I like that.
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And if you're on the show and they hit certain milestones, let's just say paying off their student loans, six -month emergency, you send them a little trophy of some sort.
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I like that.
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Yeah, I think that would be a nice look.
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As they make it further, the trophies get a little bit bigger.
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Yeah.
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They hit a million dollar net worth.
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They get a big trophy.
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Your face.
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That's sweet.
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No. That's actually really cool.
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No, that's good.
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That's good.
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We get updates all the time from people.
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And people are doing well.
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But again, a lot of these death situations, if you watch the videos, they're like multi -year payoffs.
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So we won't see the end situation for a while.
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So this guy that was homeless for a little bit, have you had any updates with him after giving him the money in the refrigerator and the drone?
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He hasn't updated us in a few weeks.
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So we leave it up to them to reach out to us when they need help and when they want.
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But we tell them to, you're not going to annoy us.
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Reach out to us as much as you can.
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Pester us for questions.
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Let us help, everything like that.
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But we also don't want to pester them and everything like, how are you doing?
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How are you doing?
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Are you better this week?
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Are you better this week?
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So I know he had a lot of clinical stuff.
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So I definitely don't want to pester him.
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But I very much want to hear from him.
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I haven't paid for the therapy sessions yet because he hasn't done them.
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I'm offered to pay for them, but he needs to sign up to do it.
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You can only do so much, I feel.
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And same for the rent.
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I want him to rent or put down a security deposit, whatever it was.
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I was going to cover a two -month rent, I think, or a security deposit plus one -month rent.
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He has to go take the action to get the place, though.
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And I'm fully willing and excited to do it when he does it.
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Vocabulario y notas de pronunciación para esta lección
Este vídeo tiene 172 frases y 1905 palabras para practicar shadowing. La parte hablada dura 8:14. El hablante habla rápido, unas 231 palabras por minuto, así que espera sonidos enlazados y reducidos. El 86 % de las palabras está entre las 3.000 más comunes del inglés; conviene repasar el resto antes de empezar.
Vocabulario clave de este vídeo
15 palabras menos comunes del vídeo, con su pronunciación y significado:
- institution /ˌɪn.stɪˈtʃuː.ʃən/ (sustantivo) — institución. A long-established organization or type of organization, particularly one involved with education, public service, or charity work.
- drone /dɹoʊn/ (sustantivo) — zángano, abejón. A male hymenopteran (ant, bee, hornet, or wasp), whose sole primary function is to mate with the queen.
- trophy /ˈtɹoʊfi/ (sustantivo) — trofeo. An object, usually in the form of a statuette, cup, or shield, awarded for success in a competition or to mark a special achievement.
- regardless /ɹɪˈɡɑɹd.lɪs/ (adverbio) — pese a todo, a pesar de todo. Without attention to warnings or indications of bad consequences.
- ghost /ɡoʊst/ (sustantivo) — fantasma, espectro. A disembodied soul; a soul or spirit of a deceased person; a spirit appearing after death.
- minority /maɪˈnɒɹ.ɪ.ti/ (sustantivo) — minoría. The state or condition of being smaller, inferior, or subordinate to something or someone else; lesserness.
- deposit /dɪˈpɑ.zɪt/ (sustantivo) — depósito. Sediment or rock that is not native to its present location or is different from the surrounding material. Sometimes refers to ore or gems.
- depend /dɪˈpɛnd/ (verbo) — depender/pender (de), ser dependiente (de). To be contingent or conditioned; to have something as a necessary condition
- bankruptcy /ˈbæŋkˌɹʌp(t).si/ (sustantivo) — bancarrota, quiebra. A legally declared or recognized condition of insolvency of a person or organization.
- administrator /ədˈmɪn.ɪ.stɹeɪ.tɚ/ (sustantivo) — administrador, administradora. One who administers affairs; one who directs, manages, executes, or dispenses, whether in civil, judicial, political, or ecclesiastical affairs; a manager.
- payroll /ˈpeɪˌɹəʊl/ (sustantivo) — nómina, planilla. A list of employees who receive salary or wages, together with the amounts due to each.
- irresponsible /ˌɪɹ.əˈspɑn.sə.bəl/ (adjetivo) — irresponsable. Lacking a sense of responsibility; performed or acting as though without responsibility; negligent.
- refrigerator /ɹɪˈfɹɪd͡ʒ.əˌɹeɪ.tɚ/ (sustantivo) — frigorífico, heladera. A household or commercial appliance used for keeping food fresh by refrigeration (short form fridge).
- vast /væst/ (adjetivo) — vasto, enorme. Very large or wide (literally or figuratively).
- naturally /ˈnæt͡ʃ.(ə.)ɹə.li/ (adverbio) — naturalmente, a natura. In a natural manner.
Phrasal verbs que vas a escuchar
- pay off (verbo) — valer la pena, salir a cuenta. To bribe, especially to deter oversight.
- cut out (verbo) — dejar de, dejar. To refrain from (doing something, using something etc.), to stop or cease (doing something).
- break down (verbo) — descomponerse, averiarse. To stop functioning.
- come across (verbo) — pasarse a. To change sides; to cross over to work for the opposition.
- come on /ˌkʌm ˈɒn/ — hala, vamos. Come along with me; join me in going.
- get out of (verbo) — salirse de, ponerse fuera de. To leave, exit or escape from; to become free of.
- give up (verbo) — rendirse, entregar. To surrender (someone or something); to inform on (someone).
- hear from (verbo) — oír de, oír de parte de. To receive updates or opinions from (someone).
Pronunciación a tener en cuenta
El hablante usa 60 contracciones y formas reducidas, como don't, I'm, they're. Dilas en su forma corta, tal como las oyes.
- Los sonidos de “sh” y “zh”: institution /ˌɪn.stɪˈtʃuː.ʃən/, rush /ɹʌʃ/, essentially /ɪˈsɛnʃəli/, emotion /ɪˈməʊ.ʃən/, expectation /ˌɛk.spɛkˈteɪ.ʃən/
- Palabras largas — cuida el acento: institution /ˌɪn.stɪˈtʃuː.ʃən/, minority /maɪˈnɒɹ.ɪ.ti/, administrator /ədˈmɪn.ɪ.stɹeɪ.tɚ/, irresponsible /ˌɪɹ.əˈspɑn.sə.bəl/, refrigerator /ɹɪˈfɹɪd͡ʒ.əˌɹeɪ.tɚ/
Cómo practicar con este vídeo
- Escucha el vídeo entero una vez sin hablar y anota las palabras que no conoces.
- Empieza a velocidad 0,75×, haz shadowing frase por frase y vuelve a la velocidad normal cuando te resulte fácil.
- Grábate y compara con el original, prestando atención a palabras como institution, drone, trophy.
Gramática en este vídeo
Las estructuras que más usa el hablante, con las palabras exactas del vídeo:
| Estructura | En el vídeo |
|---|---|
| Present perfect have/has + participio pasado — una acción pasada que sigue importando ahora | you've done · there's been · haven't had |
| Voz pasiva be + participio pasado — importa lo que ocurre, no quién lo hace | was released · weren't thrilled · was raised |
| Oraciones de relativo who / which + oración — información extra sobre una persona o cosa | bucks, which is · guy who has |
¿Qué es la Técnica de Shadowing?
Shadowing es una técnica de aprendizaje de idiomas respaldada por la ciencia, desarrollada originalmente para la formación de intérpretes profesionales y popularizada por el políglota Dr. Alexander Arguelles. El método es simple pero poderoso: escuchas audio en inglés nativo y lo repites en voz alta de inmediato, como una sombra que sigue al hablante con solo 1-2 segundos de retraso. A diferencia de la escucha pasiva o los ejercicios de gramática, el shadowing obliga a tu cerebro y músculos de la boca a procesar y reproducir simultáneamente patrones de habla reales. Las investigaciones muestran que mejora significativamente la precisión de la pronunciación, la entonación, el ritmo, el habla conectada, la comprensión auditiva y la fluidez al hablar, convirtiéndola en una de las metodologías más efectivas para la preparación del IELTS Speaking y la comunicación en inglés en el mundo real.