Shadowing Practice: BTN Teen Financial Anxiety - Learn English Speaking with Video

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NEWS REPORT: In breaking news, the RBA has delivered an increase in the cash rate.

NEWS REPORT: Australia’s cost-of-living is predicted to further increase over the next year.

PERSON: It's just like inflation's gone up so much and stuff recently, and it's just tough on everybody.

PERSON: I mean, I think the housing crisis is something that's on everyone's minds at the moment.

NEWS REPORT: Australia’s property market is charging in 2026 with prices still on the rise.

PERSON: If I'm feeling that worry at 16 years old, then it's probably a problem.

NEWS REPORT: Rents surged almost three times faster than wages.

PERSON: Trying to escape getting caught in rent and being able to buy a house for example, is seeming more and more unrealistic as time goes by.

NEWS REPORT: The wage price index rose 0.8 per cent over the December quarter. It’s below the rate of inflation, which means real wages fell.

JOE BARONIO, BTN REPORTER: We've been hearing for a while now that a lot of people are struggling with the cost of living, and increasingly, young Aussies say they're not just worried about now, but also what it means for the future.

PERSON: It has been definitely on my mind, and every paycheck I'm like, ‘okay, what can I buy, what can I not buy?’ So yeah, definitely on my mind.

Late last year, UNICEF Australia released a study which looked into the wellbeing of children and youth across the country, and of the more than two-thousand 12 to 17-year-olds surveyed, 55 per cent have mixed or unsure feelings about the future, saying financial security and housing is a top concern. Likewise, in Mission Australia's 2025 Youth Survey of more than 17,000 14 to 19-year-olds, the most pressing issue for young people was the cost of living, with one-in-five agreeing that they felt money-stress. And reports from Curtin University and Monash University in 2025 also found financial difficulties to be a top concern.

PERSON: Your parents talk about how they were, you know, looking to moving out at this stage and settling down and building their families and like it just, it seems like it's not like really that achievable anymore or maybe it's like starting to slip away.

PERSON: I do think it is something that I am a little bit concerned about because house prices seem to just like continually increase like disproportionately to incomes.

PERSON: I think when I was 18, coming out of high school, I would have liked to have moved out as soon as possible. And I now realise that's quite unrealistic.

PERSON: I've realised now that I'll probably never, if I'm still living in the city after uni, I'll probably never be able to own, I won't be able to own my own house for a, a long time.

AUCTIONEER: And sold to you! Congratulations Sir!

KATRINA SAMIOS, FINANCIAL BASICS FOUNDATION: I think it is tougher for young people, but it's definitely not hopeless.

This is Katrina. She's the CEO of the Financial Basics Foundation, a not-for-profit organisation helping young people learn about their personal finances. She says that young people can start their financial literacy journey at any age, but the earlier the better, ideally starting from primary school age, which is something some Aussie kids miss out on.

KATRINA SAMIOS: That is actually part of the problem and the fact that money is still a taboo topic and that we're not speaking about it more openly, not only in the school environment, but at, at home, that it's not being spoken about at home, that's where the foundations come from and the confidence.

PERSON: Mum and Dad talked about, never really talked about finances a whole lot.

It's important because obviously your parents are there to set you up for your future, and finance is a little bit a part of that.

PERSON: Definitely yeah, and not to put a stress on your child or whatever, but just sort of showing them a bit of what it's about and teaching them.

PERSON: We grew up as like second generation immigrants, so I think that was really big for my family growing up and yeah, investing, saving money, you know, eating at home instead of going out to eat when we can, and all that kind of thing, I think was really big growing up. In terms of like taxes and more like the adult finance or stuff, I haven't really had much of that.

PERSON: For my parents, they're both immigrants from overseas. So, saving was a really big thing for them because they came from nothing.

KATRINA SAMIOS: We're asking young people to engage and make financial decisions the minute that they leave school, and yet we haven't prepared them for it. Certainly, the key is building your financial toolkit early so that you are more resilient, or you are resilient regardless of what's happening in the market and with those cost-of-living pressures.

Part of that financial toolkit is saving, and despite the rising cost of well, everything really, a lot of young people have been putting money aside. In fact, new data from NAB shows that 18 to 29-year-olds are the most committed savers of any age group, with 89 per cent of young women and 85 per cent of young men actively putting money aside.

PERSON: I don't necessarily put it into a savings account, but that's because I have such a, a strong foundation of saving in my mindset.

PERSON: I do a lot of like saving, a lot of investing as well.

PERSON: I'm not really earning enough to be able to do that, so it's kind of most of my money is coming in and then leaving by the next paycheck.

PERSON: I make sure to like spend money and enjoy it, but like at the end of the day, I always make sure I have enough savings.

PERSON: Unfortunately, I spend all of my money. So, I don't save much no.

What do you spend it on?

PERSON: Motorbikes, cars.

Nice! PERSON: I don't have a savings account, but I do actively try and save money from my job, and not like splurge or buy anything super expensive.

KATRINA SAMIOS: We understand that young people are navigating a very complex financial system now, one that previous generations never had to. And, the solution to that is building financial literacy because it helps, it arms you with the skills, the behaviours and the attitudes that you need.

While Katrina believes personal finance should be more prominent in the Australian Curriculum to help future generations, she says teens and young adults now can start by setting up basic financial habits like keeping track of income and spending, putting away even tiny amounts into savings, and then looking at ways money can make you money in the long run.

KATRINA SAMIOS: Which is understanding compound interest, understanding and exploring opportunities where you might invest in whatever way that you're comfortable with, risk, reward. So those kinds of concepts that not only is about the behaviour of that setting money aside but understanding how you can build wealth through that habit is, is a critical part of, of the whole opportunity that you have, if you have got that good saving plan in place.

But if all those words sound a little confusing, there are lots of resources online to help.

KATRINA SAMIOS: Certainly places like us, Financial Basics Foundation, the ATO, ASIC, all those government sites have really good quality, independent, credible information.

And while things may be tough right now, these guys are optimistic about the future.

PERSON: I'm hopeful. I hope it will be all right.

PERSON: I've done, I’ve worked it out, I’ve done my budget, worked hard last year to get myself in a position where I can be quite comfortable at the moment and I'm the very start of my uni journey so I've still got like three, still got three years.

PERSON: Yeah, it is going to be tough, but everything is and you'll just work your way through it.

PERSON: Don't stress, because stress doesn't get you anywhere. But be smart and be conscious and really invest your money, not necessarily into investments, but into things that matter.

PERSON: As long as you're committed to the bit, that's what I say, everything will work out...

Commit to the bit?

PERSON: And stress is the biggest killer so.

PERSON: So just have a plan, know what you're doing and stick to it. That's it.

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אוצר מילים והערות הגייה לשיעור הזה

שיעור הדיבור הזה ברמה B2 מבוסס על הסרטון “BTN Teen Financial Anxiety”. המילים שחוזרות הכי הרבה: financial, saving, Katrina, Samios. בסרטון הזה יש 49 משפטים ו-1428 מילים לתרגול Shadowing. הדיבור נמשך 7:26. הדובר מדבר מהר, כ-192 מילים בדקה, אז צפו לצלילים מחוברים ומקוצרים. 85% מהמילים נמצאות בין 3,000 המילים הנפוצות ביותר באנגלית; כדאי ללמוד את השאר לפני שמתחילים.

אוצר מילים מרכזי בסרטון הזה

10 המילים המתקדמות ביותר בסרטון, עם ההגייה והמשמעות שלהן:

מילה	הגייה	משמעות
distress שם עצם	/dɪˈstɹɛs/	מוּעָקָה
literacy שם עצם	/ˈlɪtəɹəsi/	אוֹרְיָנוּת
immigrant שם עצם	/ˈɪmɪɡɹənt/	מְהַגֵּר, מְהַגֶּרֶת
confuse פועל	/kənˈfjuːz/	בלבל
navigate פועל	/ˈnæv.ɪ.ɡeɪt/	נִוֵּט
optimistic שם תואר	/ˌɒptɪˈmɪstɪk/	אוֹפְּטִימִי
continually תואר הפועל	/kənˈtɪnjuəli/	עוד
inflation שם עצם	/ɪnˈfleɪ.ʃən/	אִינְפְלַצְיָה
conscious שם תואר	/ˈkɑn.ʃəs/	בהכרה, מודע
compound שם עצם	/ˈkɑmpaʊnd/	תרכובת

Phrasal verbs שתשמעו

מילה	משמעות
grow up פועל	גָּדַל
go up פועל	עָלָה

דקדוק בסרטון הזה

המבנים שהדובר משתמש בהם הכי הרבה, עם המילים המדויקות מהסרטון:

מבנה	בסרטון
הווה מושלם ממושך (Present perfect continuous) have/has been + -ing — פעולה שהתחילה בעבר ועדיין נמשכת עכשיו	We've been hearing · have been putting
הווה מושלם (Present perfect) have/has + past participle — פעולה שקרתה בעבר ועדיין יש לה חשיבות או השפעה עכשיו	has delivered · has been · I've realised
סביל (Passive voice) be + past participle — הדגש הוא על מה שקורה, לא על מי שעושה את הפעולה	is predicted · being spoken
משפטי זיקה (Relative clauses) who / which + clause — מידע נוסף על אדם או דבר	inflation, which means · age, which is

הגייה ששווה לשים לב אליה

הדובר משתמש ב-30 קיצורים וצורות מקוצרות, כמו I'm, I've, don't. אמרו אותם בצורה הקצרה, כפי שאתם שומעים אותם.

הצלילים של “sh” ו-“zh”: disproportionately /ˈdɪs.pɹəˌpɔɹ.ʃən.ət.li/, inflation /ɪnˈfleɪ.ʃən/, conscious /ˈkɑn.ʃəs/
מילים ארוכות — שימו לב להטעמה: literacy /ˈlɪtəɹəsi/, achievable /əˈt͡ʃivəbəl/, disproportionately /ˈdɪs.pɹəˌpɔɹ.ʃən.ət.li/, ideally /aɪˈdi.ə.li/, optimistic /ˌɒptɪˈmɪstɪk/

צלילים שדוברי עברית מתקשים בהם:

/r/ — הלשון לא נוגעת בשום מקום, לא ה-“ר” הגרונית: distress /dɪˈstɹɛs/, resilient /ɹɪˈzɪl.jənt/, literacy /ˈlɪtəɹəsi/, immigrant /ˈɪmɪɡɹənt/, disproportionately /ˈdɪs.pɹəˌpɔɹ.ʃən.ət.li/
עיצור קולי בסוף מילה — /b/, /d/, /g/, /z/, /v/ בלי להפוך אותם לאטומים: splurge /splɝd͡ʒ/, confuse /kənˈfjuːz/, surge /sɝd͡ʒ/, compound /ˈkɑmpaʊnd/

איך לתרגל עם הסרטון הזה

הקשיבו לכל הסרטון פעם אחת בלי לדבר, ורשמו את המילים שאתם לא מכירים.
התחילו במהירות 0.75×, תרגלו Shadowing משפט אחר משפט, וחזרו למהירות רגילה כשזה מרגיש קל.
הקליטו את עצמכם והשוו למקור, תוך תשומת לב למילים כמו distress, literacy, immigrant.

מהי טכניקת השאדואינג?

שאדואינג היא טכניקת למידת שפה מבוססת מדע שפותחה במקור להכשרת מתורגמנים מקצועיים ופופולרית על ידי הפוליגלוט ד"ר אלכסנדר ארגואלס. השיטה פשוטה אך עוצמתית: אתה מקשיב לאודיו באנגלית ילידית וחוזר עליו בקול רם מיד — כמו צל העוקב אחרי הדובר עם עיכוב של 1–2 שניות בלבד. בניגוד להאזנה פסיבית או תרגילי דקדוק, שאדואינג מכריח את המוח והשרירים בפה לעבד ולשחזר דפוסי דיבור אמיתיים בו זמנית. מחקרים מראים שזה משפר משמעותית את דיוק ההגייה, האינטונציה, הקצב, הדיבור המחובר, הבנת השמיעה ושטף הדיבור — מה שהופך אותו לאחת השיטות היעילות ביותר להכנה לIELTS Speaking ולתקשורת באנגלית בעולם האמיתי.

טכניקת Shadowing: קרא את המדריך המלא שלב אחר שלב →