Pratique du Shadowing: What Chrishell Stause Has Learned From Million Dollar Deals | Richer Lives | Episode Four - Apprendre l'anglais à l'oral avec la vidéo
Choisissez un mode d'entraînement
Chaque mode ouvre une salle d'entraînement en plein écran.
582 phrases
Si les phrases sont trop courtes ou trop longues, cliquez sur Edit pour les ajuster.
1
That idea of, you know, clenching your money, you know, under a mattress and not doing anything with it.
2
Go talk to someone.
3
Figure out who you need to talk to.
4
Ask those questions.
5
Put it into an account that can slowly be growing money.
6
That's something I didn't do.
7
So I would definitely, if I could go back, I'm telling you, go do that.
8
I'm Vivian Tu, a .k .a.
9
Your Rich BFF and your favorite Wall Street girly.
10
I'm Brian Walsh, a .k .a.
11
Dr. Money.
12
And I lead financial planning at SoFi.
13
And this is Richer Lives, the show that helps you learn how to use your money to live your best life.
14
We all want more dollar signs on our bank account.
15
But also more fulfillment, satisfaction, and success.
16
So we're here to bring you conversations with inspiring guests.
17
Who've been where you are and are now where you want to be.
18
And we'll provide guidance that aims to get you there step by step.
19
Because everyone deserves the opportunity to live richer lives.
20
Brian why do you think people are so into real estate shows
21
so am i people kidding kind of
22
so i think at the end of the day they like to see the houses
23
and kind of lives that aren't their own and on top of
24
that i think the drama of the relationships between the real people
25
that are on those shows i mean that's why i love them that's why i'm
26
so excited to have Chrishell Staus on the show with us today.
27
You might know her from all six seasons of Netflix's Selling Sunset, where she's gone from the new girl to the talk of The Office to newly married.
28
All that's to say, she has been through some stuff, and I bet she has lots of life lessons to share with all of us.
29
And she seems to be very on top of her finances, so I cannot wait to talk to her.
30
Before we get into talking with Chrishell, though, let's take a moment to have that talk about transparency that we always start each episode with.
31
It's our way of just showing you how clear and honest we want to be at SoFi.
32
On that note, everyone you hear from today has been compensated for their time, including myself and Chrishell.
33
We're what's called a non -client promoter of SoFi Wealth.
34
And I'm a registered representative of SoFi Securities LLC and an investment advisor representative with SoFi Wealth LLC.
35
Basically, in every episode of Richer Lives, it's my job to make sure that nothing said is false
36
or misrepresents the truth around investing and is generally just good information that helps people get their money right.
37
When it comes to buying or selling houses, there's no agent that we'd all like to work with more than Krishel Staus.
38
You probably know her from the wildly successful Netflix series Selling Sunset, or if you're a soap stan, you might remember her from Days of Our Lives.
39
Welcome to RicherLives, Krishel.
40
Thank you for having me.
41
Well, if you guys are in the market for a house, call me up.
42
Okay, so Krishel, we always like to start with an icebreaker.
43
Are you ready?
44
I'm ready.
45
Let's do it.
46
Okay, so let's pretend AI takes over the real estate business.
47
Not too far off.
48
Okay.
49
What are you changing to and why?
50
Well, I have to say I really like having multiple different streams of income just in case anything ever falls through.
51
So I have a lot of things that I pursue, whether it's, you know, reality TV or hosting or writing or recently I've really gotten into,
52
you know, fashion and I did align with that.
53
But I feel like anything that makes you happy, anything that makes you smile is something that can always start off as a hobby.
54
But you never know if you put some time and effort, especially now in the days of, you know, TikTok, things like that, what can end up becoming, you know, a fuel for income.
55
So, yeah, I mean, Perfect example right here.
56
Yeah, yeah.
57
You're talking to someone who knows.
58
I love you.
59
I know, this is how we found each other.
60
Viv, what's your favorite part about SoFi?
61
Hands down, without a doubt, at the top of my list is SoFi checking and savings.
62
Not that everything else SoFi offers isn't amazing
63
but a high yield savings account is the cornerstone of what
64
i believe everyone needs to start getting their money right you're totally right
65
if you're not keeping your savings somewhere where your money is
66
making money then you're missing out especially as interest rates rise the apy on your money
67
and sofi savings has risen as well the other really important
68
part of the high yield savings account is making it simple to transfer your money back
69
and forth to your checking account
70
and with sofi there's no limit on transfers between them you
71
can set up to 20 volts for all of your savings goals
72
and of course all of
73
that is available in the sofi app 24 7 the other
74
really cool thing about moving your savings to sofi is
75
that you can access additional fdic insurance up to 2 million
76
dollars on deposits available through a seamless network of participating banks
77
so stop letting your savings sit in a dark corner
78
and give it a moment in the spotlight move your money to sofi checking
79
and savings plus get up to 250 when you also set up direct deposit.
80
You can sign up by going to sofi .com slash richer lives.
81
So, Chrishell, you've talked about that when you were younger, living in a trailer park meant you were doing better than usual.
82
And now I want to know, after living all of this life, what does rich mean to you now?
83
Now that you are selling and buying $40 million homes for your clients, do you consider yourself rich?
84
Well, I'm still not to the point where I personally would be buying a $40 million house,
85
but I do consider myself rich in the way that yes, those things that used to be really stressful are not stressful anymore.
86
I don't have to think about coming up with excuses of why I can't do things, because really I'm worried about why I can't go to
87
that restaurant or looking at a menu
88
and being like what can I actually order oh my god we're splitting everything evenly just all the things
89
that you know you don't want to be very vocal about
90
I not only think of rich being you know not having to stress about having my bills paid
91
but as far as you know the people I have around me you know
92
and the things that matter and I feel really rich in
93
that area with you know family and friends
94
and you know just the um circle of support that i have
95
so the fact that i've figured out a way to have all of
96
that it does make me feel really rich you know i
97
think a lot of people gauge rich with can i say f you money um
98
so i don't have that
99
but i feel like you know really rich in far as
100
like i said like where i've come from to to have
101
that peace of mind
102
and be able to give back has really just made me feel like you know i did it So on Selling Sunset, it involves real estate.
103
And anytime it comes to buying...
104
Barely.
105
I'm sorry.
106
I mean, but that's the premise.
107
So anytime it comes to real estate, emotions get into play and dealing with psychology of buyers and things like that.
108
What are some common pitfalls or challenges you see either buyers
109
or sellers kind of go through when it comes to that process?
110
I think that I have seen a lot of people
111
get a little wrapped up in the LA market of wanting to show out a little more than,
112
you know, now you have to remember when you buy this house, it's going to come with property taxes every year.
113
It's going to come with a lot of money to keep it going, whether that's, you know, I don't know, whatever the house is.
114
Yes, exactly.
115
So many things.
116
So I think that, you know, people forget to factor all of that in.
117
I personally try to talk people into, okay, take the number that you feel like you definitely, this is what you were approved for.
118
And I really think you should go under that so that you still give yourself some leeway.
119
See, like that's perfect from a financial planner perspective, because that's how we always look at it.
120
It's like whatever you get pre -approved for, like you should never be buying that house because if you are, you're going to be cash poor.
121
You're not going to be able to afford the ongoing maintenance, all that type of stuff.
122
If you're overextending to buy the house, are you going to actually be happy in that house?
123
Because you want to end up making it a home.
124
And if you're stressed out all the time, I mean, yeah, the house might be pretty, but is that going to feel like a home when you have this stress on your family?
125
So I try and remind them, you know, to keep that in balance.
126
I think that's a really good reminder that, you know, you're working with some of these clients that are ultra high net worth.
127
Even really, really rich people can sometimes get caught up in keeping up with the Joneses what would you say is something
128
that like rich people and the average person think differently about money?
129
Well, this is interesting to me because having been raised in an environment where, you know, when you feel like you get money,
130
you put it under, you know, the mattress or something.
131
And then now living in this world, I had to basically deconstruct everything that I learned about money because I realized, you know, if you do that,
132
you're never going to grow money.
133
And I'd never really even known or heard of the concept of money growing money.
134
That didn't even make sense to me.
135
So investing was something that was a completely new idea.
136
It felt very scary to me.
137
So I think that, you know, when people are raised in an environment where they had money growing up, these are things that they were taught.
138
Well, this isn't really taught in our schooling system.
139
It certainly wasn't when I went to school.
140
And so it's just something that I had to kind of learn the hard way.
141
And I think that is the biggest difference, you know, where, you know, I don't think that when we grow up poor, you don't know where your food's coming from.
142
You're not thinking about investing.
143
Yeah, totally.
144
And what would you say is like one behavior
145
that no matter how rich someone is or no matter how broke somebody is, like, that is a commonality you see across everybody?
146
To be honest with you, money can't buy happiness.
147
I know we all say that.
148
And when you really grow up without it, you think, yeah, it can.
149
I have to be honest, there are a lot of stressful things that are a lot less stressful.
150
I do work with very high wealth individuals and some of them, you know, aren't the happiest people that you would just assume.
151
So the grass is not always greener.
152
You have to keep that focus on knowing, you know, the people that are gonna be around you
153
when the champagne isn't popping and you're not on the top of the world, who make sure your friends are still the friends that are gonna be, you know.
154
Two of my best friends in the whole world are the ones that let me crash on their couch in college.
155
You know, so they don't care, you know, if tomorrow all of this went, you know, down the drain.
156
I think that that is the commonality in that money does not buy those types of things.
157
I think we come across a lot of people who, you know, similar to what you said, didn't learn about money growing up, whether it be in school, from their families, different things like that.
158
As someone who started there and then now has a firm grasp of things, what piece of advice would you give to people to kind of start
159
that journey of learning about money and taking those first steps?
160
Well, follow you, first of all, because you give really great advice.
161
I think that this show is a great, you know, platform for that.
162
I think that this whole world of social media is really helpful for people because...
163
You guys, I didn't pay her to say it, by the way.
164
I just want to be really clear.
165
No, but it's interesting how,
166
you know, you can get this intellectual information now so easily that really was not easily accessible before.
167
So I think that that's amazing.
168
And I also think that, like I said, you don't have to have gotten that dream job to start thinking about investing.
169
You can start investing and do it by percentages.
170
Whatever you're making right now, find out what your expenditures are and find out what percentage you can put away each month, no matter what the job is,
171
so that you can just slowly grow that and invest that.
172
Yeah, and I think one of the things you hit on was so powerful with social media because like with financial education, everyone kind of thinks like, oh, if we just taught all the kids in high school,
173
all the basics of personal finance, they'd be good to go.
174
But so many people forget what they learn with finances if they don't use it.
175
So I think that's why like social media content like this can be powerful because you're thinking about buying a house.
176
Cool, let me tune into this episode.
177
You apply it right away.
178
So I think that's just an interesting way for people to learn about personal finances
179
that I guess is different now than ever before.
180
It's so refreshing to hear from someone who has seen
181
so much success that it's still intimidating for you because you say some people might know exactly what they're doing.
182
There are far more people who don't and they think everyone else does.
183
And then they're too afraid to ask for help because we don't talk about how we don't teach this in school.
184
So I love that you said that.
185
Yeah, because there is a fair amount of overconfidence where people who think they know what they don't know, then they start making mistakes left and right Versus being, I guess, vulnerable and honest enough to say,
186
okay, let me ask questions.
187
Let me look at information.
188
And especially even with housing, you know, there are multiple different types of loans.
189
You know, just because you can get a house, you have to know what that loan is.
190
This could be a really terrible loan.
191
And you're, you know, 10 years down the road, you realize you've barely put any money into your home.
192
I think that we're used to, you know, just letting someone else do it.
193
But unfortunately, you're going to do better if you get in there, ask those questions and, you know, how much.
194
OK, ask.
195
No question is stupid.
196
I used to do this.
197
Oh, they know better than me.
198
I'll just defer to them.
199
You know, I think it really is.
200
I got lucky and I had somebody that really kind of took me under their wing and helped me through that process.
201
And so not everybody has that.
202
So I do I do think that it's important to, you know, make sure you get the right loans, make sure you're asking the right questions.
203
I'm kind of a research nerd.
204
So with financial education, there's something called the decay effect.
205
And essentially, it's like if you don't use it, you lose it.
206
And for some reason with financial information, it's way more than anything else.
207
So it's kind of one of those things where it's like just in time content where you're going to buy a house.
208
Cool.
209
Let's watch some videos or you need to invest.
210
Great.
211
Let's watch some videos like that is way more powerful than saying, OK, I'm going to open up a personal finance textbook, read everything and think you're going to remember it for the rest of your life.
212
I'd love to take a second to pivot.
213
So I'm getting married next year.
214
Congratulations.
215
Thank you.
216
I'm very excited.
217
Wedding planning is a nightmare.
218
But just a loaf in Vegas.
219
It's way in here.
220
I'd love to know that when you and G decided to combine your lives, when did you have the conversation of, hey, should we get joint bank accounts?
221
Like, you know, how are we going to make two lives into one?
222
Personally, I think that you should always keep some independence in a relationship.
223
You never know what's going to happen.
224
So as someone that speaks from experience, I say always keep some independence.
225
But when it comes to, you know, down the line and, you know, raising children, that kind of a thing, I'm sure that conversation will change when there's certain things where,
226
you know, so it depends on where you are.
227
Right now, we're very independent, but obviously, I do think that that would change and have, you know, a family account when it comes to, you know, raising kids, which I think would be the reason that,
228
you know, you would want to have that together.
229
Yeah, daycare is expensive.
230
You know, I mean, it's kind of funny because my wife and I would take the complete opposite approach.
231
Everything's combined.
232
But there's, like you said, there's no right or wrong answer here.
233
Like, my approach makes sense for my relationship, yours for yours.
234
Exactly.
235
So another area that we see come up is, let's say, for example, you know, in your relationship, there's gonna be inconsistent income from time to time.
236
Just it's the nature of things.
237
How do you go about smoothing things out, kind of planning out your finances, knowing that there's gonna be great times, there's gonna be not great times and kind of smoothing out the ebbs and flows?
238
Well, I've never been one to spend it as it comes in.
239
I mean, I've been one that's like, oh my God, I got a job.
240
Like, I don't know how long this job will take me because I started in soaps and, you know, you can be written off at any time.
241
I save as if this job could be the last.
242
Yeah, and I'm sure that was helpful with your real estate career because that income is not consistent, but when it comes, when it rains, it pours, it's chunky.
243
Every single job I've ever had has been very inconsistent income, especially in luxury real estate because,
244
you know, you could look at your portfolio and be like, oh, you only sold two houses in that year where it's like, well, one was a $10 million house and it took me forever.
245
Like it was so much work.
246
But then when you finally, you know, when you're investing in the marketing and all that stuff, you finally make that check.
247
Yeah, you can't go out and just blow it.
248
That could be, you know, your last sale.
249
So there's certain things I feel really, you know, it's luxury to splurge on and I see the value in doing that.
250
But that being said, there's other things I'll be super cheap on where people are like, why are you doing this? you know, like, you know, certain like domestic flights or something where I'm like, it's two hours.
251
I'm sitting, there's a middle seat.
252
I'm taking it.
253
It's like $2 ,000 more to sit in the front.
254
Like I'm going to sit here for, you know, two hours of your time, $2 ,000.
255
I can't, I can't wrap my brain around the value of that.
256
So we kind of talked about before with like splitting things up and everything in your relationship.
257
Another kind of common starting point we talk about with couples is aligning on shared goals
258
because like kind of like the goals are what drive everything.
259
So I'd love to hear how like you and G talked about like shared goals, figuring out those types of things and I guess like prioritizing them.
260
I think it's one of those things, you know, we're just very open and transparent about everything.
261
And one of those being, you know, we're trying to combine our lives and talk about family planning.
262
And that is something that, you know, is a shared goal of ours.
263
And, you know, because we are a same -sex couple, I feel like it's one of those things where,
264
you know there's a lot more planning involved where you know it's just you know
265
and that's a financial you know decision and so I think
266
that it's one of those things
267
that um I'm excited about it's a it's a luxury
268
that I feel really lucky to be able to do um
269
but I do think that you know
270
that that's something a lot of people go through it's not
271
cheap to you know whether you're in a same sex relationship
272
or whether you are you know in a relationship where you're
273
you know you're not able to get pregnant naturally there are alternatives
274
but they're pricey so i think
275
that you know one of our shared goals is just you know um working
276
that out and you know trying to figure out how we get our lives to combine
277
because g has you know even now they have a studio in la
278
but it's not like i have a space in my house for a big studio
279
so we're trying to figure all this out yeah throughout all your responses it's centered around like communication
280
and i think like if i could just take that
281
and like pass it on to any person we talk to from a financial planning perspective i would
282
because we always hear like money is the top cause of divorce all these other things that's
283
because money arguments they linger they're severe and they just kind of never end
284
and they sit there the only way to go over
285
that is communication
286
so like the same thing you're talking about is exactly how
287
people should be approaching money in a relationship yeah i think
288
that you should have those conversations even if they're uncomfortable i also think
289
that having those conversations with a partner that is the perfect fit for you, you're, you just look so happy.
290
Like you're happy, even if it's something that could have a little bit of adversity to get through, like you're doing it together.
291
You're a team.
292
You can have these conversations, but yeah, if you're in a bad relationship, you got to watch a different channel.
293
Brian, what are the three things we always talk about on the show?
294
Meeting with a financial planner, a high yield savings account and having all your finances all in one place nailed it
295
which is why i want to talk to all of our viewers about the one thing
296
that we haven't discussed yet
297
and it seems very fitting with today's guests home loans sofi does offer home mortgage loans
298
which is just one more way
299
that sofi helps you have all your money in one place
300
sofi has an on -time close guarantee offer low down payment options
301
and flexible loan options and
302
if you set up sofi insights you You can include the value of your home in your overall financial snapshot
303
so you know how much you have left to pay on your mortgage and how much your house may be worth.
304
Next time you're in the market for a home, check out SoFi Home Loans.
305
It might be exactly what you're looking for.
306
Find out more at SoFi .com slash Home Loans.
307
We're back with Chrishell Staus exploring her rich life.
308
We've gone deep into her come up as a top real estate agent and reality star.
309
Now let's lighten things up with a quick game of let's G flip this house.
310
That's right.
311
Sometimes partners are the hardest to please.
312
So let's pretend you and G buy a house together.
313
What are the top three home improvements you're doing?
314
Okay, this is easy for me.
315
We both, you know, I think we would love, you know, our own closets um
316
when i renovated my home i did it you know for myself living there
317
and i just made myself an amazing closet but with absolutely zero thought of anything
318
so these are conversations that we have um so yeah two separate closets
319
and then come on anyone that's been in a relationship can understand the value of having separate bathrooms
320
or at least a double vanity double vanity is the most yeah yeah um yes
321
so i i would say you know those are luxuries
322
that are you know
323
if you can do it i think it'd be amazing improvements
324
as far as you know a soundproof room mine are probably
325
different than other people's you know g plays drums it's not the most neighbor friendly thing um you know so
326
but then that'd be perfect we could use the drum room
327
you know at night the baby's crying you shut yourself in a soundproof room The other person can sleep.
328
It has many uses, so.
329
Chrishell's really trying to avoid any HOA for you.
330
Yes.
331
Yes.
332
What about if you can pick three improvements for you?
333
You can pick three improvements for G?
334
Now what's on your list?
335
Okay, dream home, because I made my closet so amazing.
336
I still want my closet.
337
So closet, closet.
338
Okay.
339
Okay.
340
Neither one of us cook.
341
So I think a lot of people would say kitchen.
342
We don't care about the kitchen.
343
We don't even use it.
344
Studio for G.
345
Okay.
346
For me, I would say have a spray tan booth.
347
That's a genius.
348
Yes.
349
You know what?
350
It's safer than going outside, sitting under the UV rays.
351
It's good for you.
352
And I did a collab, so I didn't pay for it.
353
Guys, I'm still cheap with a lot of things.
354
You are very frugal.
355
I love that about you.
356
What else?
357
Okay, two more.
358
I get two more.
359
I think G would like a garage.
360
They're into cars, and I don't really care about cars.
361
And then for me, last one, what's something I'd really love?
362
Just something silly, oh, one of those rooms with like a hidden door, and you'd like take a slide, and it's like something fun down there, like some kind of entertainment space,
363
something with like a fun wow factor.
364
I mean, a hidden room would be amazing.
365
Yes, you're like moving a candle stick or something.
366
Am I the only one who has watched too many scary movies, and I love the horror movies where like they have a hidden bookcase
367
and that's like their panic room where they can like see like the intruders that's good too
368
or is that like crazy but that's good
369
so it could be an entertaining space
370
but it could double as a panic room yeah okay now i mean from a professional perspective does that add
371
or decrease from home values oh panic rooms increase okay yes
372
panic rooms are very popular actually on the market okay really yes they you can definitely okay
373
so it's not just who's like a little like crazy about
374
that no i think people really love when they
375
when that's already built and done people love that okay
376
so you gotta take the slide into the pan mine would be the only one
377
that is a slide i haven't seen that yet
378
but it could be fun yeah good so you mentioned
379
that you are cheap which same what are some of your most toxic cheapskate habits
380
and what are some of your best okay well i'm actually going to take the word toxic literal rule here
381
because oh no I this is silly
382
but you know those eye makeup remover pads yeah
383
and I feel like sometimes you know I'll use it
384
and I'll barely just need to clean up under my eye
385
but like it's just one little piece I'm like I didn't
386
even use the other half of it I should cut it
387
and then put the other piece in sometimes I'm in a hurry
388
and I don't I know I shouldn't do that okay I need to put a little pair of scissors next to it, but this is, these are the things I, I don't know.
389
I don't like to, I don't like to waste food.
390
So I've also been known to, after you go to a restaurant and then you friends decide, you know, you want to go somewhere after I've got the doggy bag.
391
You're like at the club with the doggy bags.
392
I have done that once or twice.
393
I mean, it could come in handy later in the evening though.
394
But that is the thing I get made fun of, but then who is happy the next day when they have the leftovers
395
and maybe you had a couple of drinks the night before, I'm just saying.
396
So those are maybe toxic slash silly, one toxic, one silly.
397
And then the ones that have paid off, I think, like I said, like who remembers a flight you took three years ago?
398
But guess, you know, I have the, you know, that adds up in your bank account if you're not splurging every single time.
399
I like that you say, you know.
400
Take the budget flight for the two -hour flight.
401
That way, when you go to Japan, you can lay flat, have a drink, enjoy yourself.
402
Exactly.
403
That is really, you know, yeah.
404
And it's kind of funny because, like, people look at budgeting or, like, saving money.
405
Like, it's a dirty word.
406
But it's kind of like the discipline you put in place.
407
That way, you have the freedom to enjoy yourself where it matters.
408
So, I mean, how do you kind of prioritize and pick and choose where you splurge versus where you cut back?
409
I think it's really important for people to, you know, have a tally of what are your expenses every month?
410
Like, what is the amount of money that you really need to get by?
411
Not want, but need.
412
And then when you go from there, you know, where's the cushion fall?
413
As far as myself, you know, I do prioritize experiences over material things.
414
It's very millennial of us.
415
Yes.
416
I mean, truly, I don't know what I'm wearing right now, but these are, you know, $100 shoes.
417
I've tried buying expensive shoes and they hurt my feet
418
and I can't walk in them
419
and I think it's like you know a status thing I'm not saying I don't have some
420
but I end up you know I just feel like I
421
don't know I don't have you know those certain things
422
that call people
423
that I just feel like you know a luggage for instance
424
you can go spend over a thousand dollars on a piece
425
of luggage is going to get beat to hell beat up okay
426
so going back to real estate we talked about how Panic rooms could be worth it.
427
We talked about what, you know, would be worth it to you and G.
428
What are some things that aren't worth it as far as people making upgrades in their houses?
429
I would say some updates that I've seen that I have to be brutally honest with my clients.
430
I know you spent a million dollars on this state -of -the -art sound system, and these speakers were flown in from Germany and handmade,
431
but no one cares.
432
Like, anything that's super specific to your taste, a lot of times, doesn't equate to value in a home.
433
Okay, going off of that, I do have a spicy item.
434
I feel like this is, like, hotly debated.
435
Pools.
436
Add or detract value because I feel like they were always a value add until kind of recently when people were like, oh, we don't want pools.
437
It's, like, a safety hazard.
438
Pools, I feel like, can go either way.
439
Of course, a lot of times in L .A., it's a lot nicer to have one.
440
It's easier for me to sell if it does.
441
But depending on, you know, the cost, I feel like as a real estate agent, am I going to rather sell a house with one?
442
Yes.
443
I also just want to say as a real estate agent, if you're planning on moving and selling your home, a lot of times people are like, oh, well, let's put a pool in because it will add value.
444
I think the better thing to do is, you know, obviously for the realtor, when they're showing people the property,
445
a pool can be added in and they are willing to do it if, you know, so that way when you find the right buyer, if it's something that they want, you can work it into your contract.
446
And then you can also, they can put in their input.
447
But I just think it's smarter than just like throwing it in when you're already moving out as, you know, because it's a little shaky whether or not,
448
you know, the family that wants to buy it actually has small children
449
and a pool is more of a safety hazard for them.
450
And you've had such, you know, a successful career.
451
You have all of these highlights.
452
What's some advice that you would give to 18 or 21 -year -old Chrishell?
453
So many things.
454
How much time do we have?
455
Oh, my God.
456
Um, okay.
457
Um, okay.
458
Specifically about money and investing, let's narrow it down.
459
Um, I would say, you know, again, that idea of, you know, clinching your money, you know,
460
under a mattress type of thing, even if it is in a, you know, a banking account and not doing anything with it.
461
Um, go talk to someone, figure out who you need to talk to, ask those questions, put it into an account that can slowly be growing money.
462
That's something I didn't do.
463
So I would definitely, if I could go back, I'm telling you, go do that.
464
And also, you know, find the people that you trust to guide you in the right way.
465
Someone that isn't financially, you know, they're not going to make a lot of money by pushing you into a direction.
466
That's especially important in finance and why we recommend so many people check out the financial planners at SoFi who are fiduciaries.
467
Exactly.
468
That's everything.
469
And I think you said the word, the key word, fiduciary is, you know, I really think that that's so important.
470
I think that it's not something that's really openly known.
471
And I think that, you know, yeah, just kind of letting that be open and, you know, taking the veil off of that and making sure
472
that people understand that is important because I think a lot of people get...
473
unfortunately, they learn the hard way.
474
Yeah.
475
Chrishell, you talk a lot about living below your means because
476
so much of your income was commission -based or very chunky and could be very successful or, you know, very dry at times.
477
What advice would you give to other people who work in
478
industries where they do get inconsistent pay to really bridge those gaps and make sure that they are consistently financially comfortable?
479
I think that it's one of those things that, you know making sure that you know you're not living above your means
480
and really knowing what your costs are
481
but then also you know trying to forecast i know it's hard
482
but it's one of those things where you know i feel
483
like you have to know what your leeway is you know
484
how many how many months do you have how many years you have you know
485
that kind of a thing
486
because knowledge is everything you know i feel like um the more that you're just kind of like not really sure
487
that's a you know could be disastrous very well said i
488
mean it's it's kind of funny as you're saying this i i don't have the same inconsistencies with income
489
but inside my sofa checking
490
and savings account i have different vaults set up for like different purposes
491
and i name them with how much money they should have in there
492
so as it starts getting lower i can kind of see like okay shoot i'm about to cross over
493
and i need to save more money so like even little tricks like
494
that can just make it so much easier yeah
495
and i think also you know we're in a world now where there's
496
so much technology that can be helpful as well yeah because
497
so many people beat up on technology when it comes to money
498
because yeah it does make it easier to spend money whether it be like one click purchases
499
or social media but it can also manage your finances like you're speaking my language here
500
because i did my dissertation on digital money management technology
501
but like it is just as impactful as financial literacy
502
when it comes to like spending borrowing investing behavior
503
and it's a lot easier than learning about personal finances and
504
if it's easy
505
if it's digitized you'll actually do it like the sofi app
506
i feel like you know people have such access now to this technology
507
that is so useful to help you track things like your spending
508
that you know why not take advantage of it you know
509
i wish i had this before it would have it would
510
have helped me a lot i mean not just you know keeping up with you know your own spending
511
but especially you know on home buying, your credit score is very important about which loan you'll get.
512
If you're going to be buying a home in the next six months, here's your credit score.
513
In those six months, that is the time to work on getting it up.
514
You know, okay, what are the things that are dinging it?
515
What could you fix it?
516
And I've seen people bring their credit score up in six months pretty drastically, and it's really helped us get them a better loan.
517
Yeah, it really is just kind of like the awareness of like, okay, what's my score? and then understand, okay, what is the thing I should focus on, right?
518
Like, because everyone's going to have one thing that either is helping or hurting their score.
519
And if you just focus on that one area, you can make some changes.
520
And I think that's the one mistake people make.
521
They normally don't look at their credit score until they are actually applying to get the loan.
522
And, you know, that's what I do love about, you know, this app and that it lets you know
523
and you're always in the know
524
because a lot of times there's nothing you can do now
525
if you want this house you gotta we have to put an offer today kind of thing
526
and so the things
527
that you could have helped your credit score on you kind
528
of needed to know a few months back you know
529
so these are things that these are helpful things
530
that I deal with all the time I actually love working with first -time buyers
531
and I've had a lot of friends and family
532
that I've worked with that you know they don't know what they're doing
533
and I'm trying to help them and I've had to unfortunately tell them, you know, I know you really want this house, but I'm telling you, if you clean up this credit score and you try again a little later,
534
it's going to be better.
535
Yeah.
536
And I think this all kind of ties together, right?
537
When we were chatting about communication, you have to communicate with your own finances too.
538
And it's not something that you can just set and forget and never look at again.
539
Like you should check in, especially during big life milestones, like, you know, having a long -term life partner or kids
540
or moving to a different country or anything like that
541
but it's important to just constantly be making sure
542
that you are on track to live your happily ever after absolutely
543
and i feel like you can always find money too
544
if you're being smart about it what are those subscriptions you
545
didn't you didn't remember to cancel yeah what are those you
546
know why are you paying for storage you either sell it
547
or get rid of it you know like things like
548
that i just feel like there's always you know ways to
549
if you're really paying attention to where you are spending money
550
because you want to save more or you want to be able to have a bigger cushion, what are some things you can, you know, be smarter about?
551
Definitely.
552
Chrishell, thank you so much for coming.
553
This was such a pleasure.
554
Yeah, thanks for chatting with us.
555
Thank you, guys.
556
This was so much fun.
557
Our thanks to Chrishell for giving us all the real estate tips and tricks today.
558
So much good advice.
559
If you like this episode of Richer Lives, then be sure to hit the subscribe button so you'll get a reminder to tune in next time.
560
It's going to be more amazing insight into how to live a richer life.
561
Also, drop a comment letting us know who you'd like to see us interview next.
562
You can also find SoFi on TikTok, Instagram, X, and now on Threads too.
563
And of course, on your phone right here.
564
Maybe I need to get my fiance to go to one of these financial planning meetings before we tie the knot.
565
I already got him to sign the prenup though.
566
Highly recommend.
567
Anyway, Brian, can you remind people where we go to make an appointment with a financial planner?
568
Yes.
569
SoFi members can sign up for complimentary financial planning sessions at SoFi .com slash no cost financial planning.
570
That's it for this episode.
571
See you next time.
572
Hi again.
573
It's me, Brian Walsh, aka Dr. Money, here to talk about some legal stuff.
574
Though I am a certified financial planner certificate, your finances are unique.
575
That means anything I talked about today shouldn't be considered advice.
576
Think about it more as high level education or guidance.
577
Also, please subscribe to our channel.
578
You got to watch a different channel.
579
Go, go, go get it.
580
Well, anyways, we won't say it.
581
Maybe I need to get my fine...
582
So it's really about...
Télécharger l'application
Tout pour parler couramment
Prononciation IAChaque phrase notée
Phonétique (IPA)Maîtrisez chaque son
VocabulaireEnrichissez votre lexique
Jeu de vocabulaireApprenez en jouant
FOR YOU
Vidéo recommandée
B22
140 phrases
How Does Money Factor into Your Life's Purpose
Business EnglishDaily ConversationUniversity Students
C11
764 phrases
The Youngest Self-Made Female Billionaire Behind Kalshi
Business EnglishUniversity StudentsWorking Adults
B26
200 phrases
The Suits Cast Talk Season 1
American AccentBusiness EnglishUniversity StudentsWorking Adults
B216
60 phrases
She Demanded The "Soft Life." So I Audited Her Finances.
Business EnglishDaily ConversationUniversity Students
B210
197 phrases
The Science of Getting Rich
Business EnglishUniversity StudentsWorking Adults
B21
927 phrases
What Actually Works for Your Skin? A Stanford-Trained Plastic Surgeon Explains
Daily ConversationUniversity StudentsWorking Adults
B25
270 phrases
연매출 1500억 미국 뷰티 회사 CEO!! 미국에서 일잘러로 살아남은 영어공부 비법 | 전 넷플릭스, 메타, 틱톡 디렉터 돌싱글즈4 이소라님
American AccentBusiness EnglishInterview EnglishUniversity Students
C12
494 phrases
Everything we learned in 29 minutes at Harvard Business School (part 1)
Business EnglishUniversity StudentsWorking Adults
B23
144 phrases
why aren't you living like you're in a romcom?
Business EnglishDaily ConversationUniversity Students
B21
70 phrases
BILLIONAIRE Sara Blakely on using THE LAW OF ATTRACTION & MANIFESTING WEALTH
Business EnglishUniversity StudentsWorking Adults
B2870 phrases
Gracie Kramer on Career Highs, Dating Lows, & Everything in Between | Ep 27
Business EnglishDaily ConversationUniversity Students
B23
149 phrases
rich girl habits that elevated my finances
Business EnglishUniversity StudentsWorking Adults
Vocabulaire et conseils d’expression pour cette leçon
Cette vidéo contient 582 phrases et 7282 mots à répéter en shadowing. La partie parlée dure 35:47. Le locuteur parle vite, environ 203 mots par minute : attendez-vous à des liaisons et à des sons réduits. 87 % des mots font partie des 3 000 mots les plus courants en anglais, le vocabulaire est donc facile à suivre.
Vocabulaire clé de cette vidéo
15 mots de la vidéo à retenir, avec leur prononciation et leur sens :
| Mot | Prononciation | Sens |
|---|---|---|
| invest verbe | /ɪnˈvɛst/ | investir, consacrer |
| panic nom | /ˈpænɪk/ | panique |
| helpful adjectif | /ˈhɛlp.fl̩/ | utile, serviable |
| silly adjectif | /ˈsɪl.i/ | sot, insensé |
| toxic adjectif | /ˈtɒk.sɪk/ | toxique |
| buyer nom | /ˈbaɪ.əɹ/ | acheteur, acheteuse |
| stressful adjectif | /ˈstɹɛsfəl/ | stressant |
| planner nom | /ˈplænɚ/ | agenda |
| luxury nom | /ˈlʌk.ʃə.ɹi/ | luxe |
| slide nom | /ˈslaɪ̯d/ | toboggan, glissoire |
| yield verbe | /jiːld/ | rapporter, retourner |
| combine verbe | /kəmˈbaɪn/ | combiner |
| inconsistent adjectif | /ˌɪnkənˈsɪstənt/ | incohérent, incompatible |
| mattress nom | /ˈmætɹɪs/ | matelas |
| trick nom | /ˈtɹɪk/ | tour |
Les verbes à particule que vous entendrez
| Mot | Sens |
|---|---|
| figure out verbe | cerner |
| grow up verbe | grandir |
| end up verbe | se terminer, se finir |
| find out verbe | découvrir, savoir |
| check out verbe | mater, regarder |
| clean up verbe | nettoyer |
| come up verbe | se montrer, sortir du bois |
| go back verbe | rentrer, retourner |
La grammaire de cette vidéo
Les structures que le locuteur utilise le plus, avec les mots exacts de la vidéo :
| Structure | Dans la vidéo |
|---|---|
| Phrases conditionnelles if + proposition, will/would + verbe — une condition et son résultat | if it's digitized you'll actually |
| « Used to » used to + verbe — une habitude ou un état passé qui n’est plus vrai | used to be · used to do |
| Present perfect have/has + participe passé — une action passée qui compte encore maintenant | Who've been · has been · has been compensated |
| Voix passive be + participe passé — l’accent est mis sur ce qui arrive, pas sur qui le fait | has been compensated · were approved · been raised |
Prononciation à surveiller
Le locuteur utilise 201 contractions et formes réduites, comme you're, I'm, don't. Prononcez-les sous leur forme courte, telles que vous les entendez.
- Les sons « sh » et « zh »: luxury /ˈlʌk.ʃə.ɹi/, cushion /ˈkʊʃən/, essentially /ɪˈsɛnʃəli/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, garage /ɡəˈɹɑʒ/
- Mots longs — placez bien l’accent: inconsistent /ˌɪnkənˈsɪstənt/, naturally /ˈnæt͡ʃ.(ə.)ɹə.li/, essentially /ɪˈsɛnʃəli/, participate /pɑːˈtɪs.ɪ.peɪt/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/
Comment s’entraîner avec cette vidéo
- Écoutez la vidéo en entier une fois sans parler et notez les mots que vous ne connaissez pas.
- Commencez à la vitesse 0,75×, répétez phrase par phrase, puis revenez à la vitesse normale quand cela devient facile.
- Enregistrez-vous et comparez avec l’original, en faisant attention à des mots comme invest, panic, helpful.
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.