Pratique du Shadowing: Social Security is on track to become insolvent by 2032, putting benefits at risk of a cut - Apprendre l'anglais à l'oral avec YouTube

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NOW WE HAVE A SERIOUS WARNING ABOUT THE MILLIONS OF DOLLARS AMERICANS RELY ON FOR RETIREMENT.
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NOW WE HAVE A SERIOUS WARNING ABOUT THE MILLIONS OF DOLLARS AMERICANS RELY ON FOR RETIREMENT.
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MORE THAN 62 MILLION PEOPLE GET BENEFITS FROM THE OLD AGENT SURVIVORS INSURANCE TRUST FUND.
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A NEW GOVERNMENT ANALYSIS SAYS IN JUST SIX YEARS THE FUND
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WILL ONLY HAVE ENOUGH MONEY TO PAY 78% OF ITS SCHEDULED BENEFITS.
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THIS CALLS FOR CBS NEWS BUSINESS ANALYST JILL SCHLESSENGER TO BREAK IT ALL DOWN FOR US.
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SO EXPLAIN TO US HOW DOES ALL OF THIS WORK?
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OKAY.
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SOCIAL SECURITY IS A PAY-AS- YOU GO SYSTEM MEANING WORKERS PAY FOR THE PEOPLE WHO ARE RETIRED.
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SO YOU'RE WORKING HARD RIGHT NOW.
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YOU SEE THAT FICA TAX COME OUT, 6.2% OF YOUR PAY.
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YOUR BOSS MATCHES 6.2% OF THE PAY.
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THAT GOES TO PAY FOR YOUR GRANDMA'S SOCIAL SECURITY BENEFITS.
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WHEN THERE ARE TONS OF BABY BOOMERS WORKING, WE BUILT UP EXTRA MONEY THAT WE DIDN'T ACTUALLY HAVE TO PAY OUT.
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THERE WERE SO MANY PEOPLE WORKING.
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NOW FLIPPED ON ITS HEAD, THE BOOMERS ARE ALL RETIRING.
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NOW WE DON'T HAVE ENOUGH MONEY OF ALL THOSE RESERVES THAT BUILT UP TO ACTUALLY PAY OUT THE PROMISED BENEFITS.
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SO THIS IS A REALLY IMPORTANT ISSUE BECAUSE WE'VE BEEN WARNING ABOUT THIS PROBABLY FOR ABOUT A DOZEN YEARS.
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YEP.
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AND IT TAKES CONGRESS TO ACT.
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SO IT IS NOT THAT THE SYSTEM IS GOING BROKE.
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IT'S THAT THOSE EXCESS RESERVES THAT BUILT UP, THOSE ARE GOING TO BE DEPLETED.
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SO WHAT HAPPENS IN 2032?
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OKAY.
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SO MAGIC YEAR 2032, WHICH IS ODDLY CLOSE TO THE YEAR I WOULD BE CLAIMING SOCIAL SECURITY.
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SOCIAL SECURITY IS STRUCTURED IS THAT IT AUTOMATICALLY WOULD MEAN THAT THERE ARE CUTS TO THE
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PROMISED BENEFITS.
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SO THAT WOULD MEAN A 22% REDUCTION AUTOMATICALLY GOING INTO EFFECT.
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CAN I PLAY THIS OUT?
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MOST AMERICANS ON AVERAGE RECEIVE A $2,000 MONTHLY CHECK.
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THAT WOULD MEAN AS OF 2032, YOU GET A LOPPED OFF AMOUNT AND IT IS REDUCED BY 22%.
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THAT'S SIGNIFICANT.
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THAT'S SIGNIFICANT.
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THAT'S SIGNIFICANT.
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THAT'S SIGNIFICANT.
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THAT'S SIGNIFICANT.
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THAT'S SO IMPORTANT.
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THAT'S THE PART.
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SO EVEN IF YOU ALREADY CLAIM BENEFITS FOR PEOPLE WHO ARE LIKE, OH, MY GOD, I'M GOING TO CLAIM EARLY, NO MATTER WHAT, EVERY SINGLE PERSON WILL TAKE A 22% REDUCTION.
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SO CAN ANYTHING BE DONE TO FIX THIS AND ARE THERE ANY IMMEDIATE ACTIONS?
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OKAY.
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SO NUMBER ONE, IT IS FIXABLE.
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IT REQUIRES CONGRESS.
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SO THAT MAY MEAN THAT YOU FEEL THEY CAN'T GO TO THE FIKA.
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THEY CAN'T GO TO THE FIKA.
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THEY CAN POUND THE PHONES, POUND THE E-MAILS, SEND YOUR POLITICAL REPRESENTATIVES A NOTE SAYING I'M WORRIED ABOUT THIS.
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I'VE BEEN SAYING THIS FOR YEARS.
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ABSOLUTELY.
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WHAT CAN THEY DO?
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THEY CAN ACTUALLY INCREASE THE AMOUNT OF MONEY ON WHICH FICA TAXES ARE PAID.
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THAT'S THE WAGE BASE.
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IT CAN GO FROM ABOUT 184,000, WE CAN LIFT IT TO 300,000.
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I KNOW, NOT GOING TO MAKE A LOT OF PEOPLE HAPPY BUT WE HAVE TO PAY FOR THE SYSTEM.
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IT'S A GOOD THING.
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I THINK IT'S A GOOD THING.
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I THINK IT'S A GOOD THING.
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I THINK IT'S A GOOD THING.
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IF YOU ARE A BLUE-COLLAR WORKER AND I'M SAYING YOU HAVE TO WORK UNTIL YOU'RE 75, THAT DOESN'T MAKE SO MUCH SENSE.
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CONGRESS CAN FIX THE PROBLEM.

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About This Lesson

In this lesson, you will practice listening and speaking skills based on a discussion about the vulnerabilities of the Social Security system in the United States. You will learn how benefits are structured, what risks lie ahead for recipients, and the role Congress plays in potential changes. This practice will enhance your comprehension of financial issues and improve your ability to articulate complex topics in English. It's an excellent opportunity for IELTS speaking practice, focusing on both fluency and pronunciation.

Key Vocabulary & Phrases

  • Social Security: a government program that provides financial support to retired individuals.
  • Insolvent: unable to meet financial obligations; in this context, refers to a lack of funds to pay benefits.
  • Pay-as-you-go system: a financing method where current workers fund the benefits of current retirees.
  • FICA tax: a federal tax that funds Social Security and Medicare; typically taken from employees' paychecks.
  • Benefit reduction: a decrease in the amount of money received from a program, which affects all beneficiaries.
  • Cuts to benefits: a reduction in promised financial support to beneficiaries due to funding shortfalls.
  • Wage base: the income level on which taxes are calculated, important for funding social programs.

Practice Tips

To effectively embody the shadowing technique, start by listening to the video at a normal speed. Pay close attention to the intonation and rhythm of the speaker. Break down sentences into manageable phrases and repeat them, mimicking the emotive quality present in the original speech. This will enhance your shadow speech skills.

If the pace feels too fast, utilize the playback settings to slow it down initially, allowing you to follow along more easily. Once comfortable, gradually increase the speed to match the natural flow of conversation. Focus on the key vocabulary outlined above, using them in your shadowing practice to build familiarity and confidence in discussing similar topics.

Engage regularly on a shadowing site or practice in a small group to gain feedback on your pronunciation and clarity. This discipline will help you communicate effectively on complex issues, improving both your speaking capabilities and your readiness for situations like the IELTS speaking practice.

Qu'est-ce que la technique du Shadowing ?

Le Shadowing est une technique d'apprentissage des langues fondée sur la science, développée à l'origine pour la formation des interprètes professionnels. Le principe est simple mais puissant : vous écoutez de l'anglais natif et le répétez immédiatement à voix haute — comme une ombre suivant le locuteur avec un décalage de 1 à 2 secondes. Les recherches montrent une amélioration significative de la précision de la prononciation, de l'intonation, du rythme, des liaisons, de la compréhension orale et de la fluidité.

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