Shadowing Practice: คุยอังกฤษกับ เฟิร์น ศิรัถยา ชีวิตจริงของคนมี Financial Freedom ตั้งแต่อายุ 35 | คำนี้ดี Feat. EP.196 - Learn English Speaking with Video

בחר מצב תרגול

כל מצב פותח חדר תרגול במסך מלא.

626 משפטים

אם המשפטים קצרים או ארוכים מדי, לחץ על ערוך כדי להתאים אותם.

you've reached your financial independence or financial freedom since you were 35

and you could have retired at the age of 40 the key is habits so

if you want to start a good habit in money you

have to change your daily routine right i would say money

channel was like a communication incubator i have to translate um

international news every single day just helping me like upskill myself

it's mean you have two pillars the first one is the fixed amount

and the second one is the fix of time I found out

that the tool that can get rid of greed

and fear is DCA right ah yes yeah because emotion always in French reason.

I will do every single day.

Best I can do.

Hi stranger.

Welcome to the show.

Thank you for helping me. Of course.

And actually you're making me feel like home today

because i was kidding before about the strangers thing

because of course we're no strangers we've been basically living under the same roof

which is the standard for many years now right many many years we've talked before right

but this is going to be the first time

that we will sit down and talk in english

so this is very special yes but i'm

so a bit exciting okay okay

which is very understandable yeah yeah I'm excited too right now yeah

because this is the first time

that we get to talk yes in English yeah in front

of cameras right yeah it's my first time to speak this in front of camera too wow okay

but you've done it before of course

because you've interviewed people in English you've joined the international events abroad before

so of course you you use English in your everyday life

but it's a bit different i think because uh in front of people i just only ask the question and translate

but a speaker answer right

but for now i have to speak out in english in whole session with pb who expert in english

so i'm a bit nervous okay but it's a good nervous i think

and this is gonna be fun okay all right

so uh first of all congratulations thank you very much your very first book right really

because you've been doing this for so many years

so i figured you must have read books before

but this is your first one right first one ever yeah

because i would like to um have my own book since uh maybe 11 years ago

but i just did it really is a very good title

i like it thank you yeah okay we will talk more about what's going on this book too apparently

you're very good with numbers with um money because uh you've reached your financial

independence or financial freedom since you were 35 and if you choose to you could have retired at the age of 40.

uh -huh right right so um that speaks a lot about how good with money you are.

But what about English?

Were you also good at English at school or in life?

I would say definitely not.

No?

Yes, because I was educated in high school entirely in my life since my primary school to my master's degree

so for almost 20 years I know a lot and bits

and pieces of English and I was often too tired to speak out

because I'm not confident about my pronunciation my grammar

and I was no tiny vocabulary so it is like scared me

when I was young to speak out mm -hmm but got better, I believe.

Because once we actually use the language in work, in life, it'll get better that way.

And I think the more you use it, the more confident you can get too.

Yes, I think so.

And I believe practice makes perfect.

Yeah, I believe that too. And well,

let's get back to when you first started off at the money channel what was

that your first job ever the second one the second one okay

but you were telling the story about how you have to like translate the news from English to Thai and then

you have to is

that how you use English in your work uh -huh right

it is my first time I have to use English in

my work I would say my national was like a communication incubator for me okay

because it's helping me like upskill myself in terms of speaking listening financial literacy and English skills.

I have to translate international news every single day.

But because I was not good in English, it's make a lot of time doing that.

Around an hour for one news, right?

But at that day, it's made me feel more confident

because I was known a lot of vocabulary and And I practice my translation skills since then.

Ah, okay.

Yeah, that's a good way of practice.

Right.

Okay, so we'll come back to your book, of course, and we'll come back to the financial literacy part later.

But first of all, one word or more that our segment and our game to start us off today.

We want to know more about you through your own words

so um can you give me one word

that you're most obsessed with right now um i would say compound interest compound interest okay

because i believe that um our life is compounding

in terms of um skills health wealth or illy

or even relationships that's true right so i i love this book

so much this day compound interest that

that could be a very like secret tool to make you wealthy yeah right right yeah

and healthy and healthy too okay

so what what actually what what does actually mean like compound interest it means you have a tiny habit

that you do every single day and that like the collect in good part

or bad part of your life

and then it will rewards you in the long term

so compound basically it means like piling up and like gradually getting more

and more right if you start doing something

that is good for you even though it's in the tiny

amount it can it can get like greater right it's like

a one percent better every single day okay wow that's such a good word to be obsessed with right

so compound interest yes okay one English word do you love

saying all the time um present is present present is present okay

so much uh same word same pronunciation but different meaning it reminds me to um focus

100

to the here and now and i think when we focus on the here and now it means you

101

give a value to the person who wait, the time you spend and the work you did.

102

So it means if you think it's present, you will do the good things every single moment.

103

So value each like second that you have right now, like stop worrying too much about the future or like the past,

104

but just focus on the present right such a great saying all right about uh one word or sentence

105

that you said to yourself every day as an intern at

106

the thai investors association understand okay do you still remember yeah

107

like your uh intern day since uh maybe uh 20 years ago okay okay

108

but But I believe that work hard until you learn how to work smart because everybody wants to work smart, right?

109

But for myself, I don't believe I can work smart if I don't know the entire process of working.

110

So it means I have to do in detail of doing

111

work before I know how can I switch to be more productive, more efficient.

112

So work hard come before work smart and I believe that there are no shortcuts for mastery.

113

So you must have been a very hard -working intern.

114

Right.

115

Okay.

116

So how hard are we talking about?

117

Like no play at all?

118

Like only work?

119

I did everything they asked and they don't ask.

120

It's like, okay, I have time, what should I do now? something like that all the time

121

and that makes me feel like okay i can learn everything every moment every day okay

122

so always keep yourself busy yeah okay yeah and try to learn like

123

from every single task that is given to you right

124

because i think that when i was young i can have mistake it means

125

if i do a lot um have some mistake it's okay

126

because i'm still young right but when i growing up i know

127

that experience will support me to know what to do

128

and what i can okay so so the most important thing is

129

that get a lot of experience

130

and get a lot of learning by doing like more

131

and more right okay so make a lot of mistakes that's okay right

132

and you because you learn from that right okay give us one English financial term

133

that you've learned

134

and loved um DC a dollar cost averaging that's mine too that's my like most favorite financial term

135

because I have not invested before I knew

136

that word yeah I was not the financial person I am bad at math I am better saving money

137

but since I learned about the DCA thing I was like okay this I can do yeah

138

because I don't have to be like too obsessed with like how the graph goes up

139

and goes down right yeah

140

so can you tell us more about DCA yes DCA is my favorite one

141

because I use DCA approach since I first start in my 20s

142

so it's mean you have two pillars the first one is the fixed amount

143

and the second one is the fix of time okay

144

so it's not about math it's about habits like you said

145

that it's not about the fluctuation of the stock market

146

or you have to update news every single day it's me

147

you just try to make a discipline of dollar cost averaging invest before you spend and do it consistently

148

after that you will know that your habit change

149

so it's gonna make you feel better about yourself

150

and you will proud that you can invest even it's

151

so easy because you just automate it yeah yeah

152

and with the help of technology or you know the tool

153

that we have so

154

so many these days you can just do it without you even knowing it yeah

155

because you can just like put it on auto like auto

156

deduct this kind of this amount of money on this day of every month for me right

157

and then you like you don't have to worry about saving you're a good example yeah yeah i think

158

that that's one of the best methods or approaches of saving up money

159

and investing too it's the combination of do what you love

160

and automate it right right yeah so um now can you give us one word

161

that comes up most often in your book um in thai it's uh occasions

162

because you have to like um sacrifice nice to have to what you matters most okay what you focus

163

and what you are long -term goal

164

because sometimes it's didn't mean you said today tomorrow you'll be

165

gonna be wealthy it's take time yeah it's a long term situation it's marathon yeah

166

and is that the ongoing process do you have to keep doing this for the rest of your life

167

if you can do it yeah so like you said it's a habit yeah

168

so you have to learn how to be patient with your money right yes yeah

169

so do you have that that problem that every teenagers had

170

that you want what other people have

171

and you have to like try to stop yourself from go

172

and spend the money uh

173

because i'm a bit different from others i didn't care much about society oh i'm care about my goal

174

so i have my direction that what i want in the long term

175

so i would like to achieve it and i have to cut noises uh -huh that will interrupt my direction

176

That's exactly why she's wealthy.

177

Because you don't care about other people but your goal.

178

Like, this is what I want.

179

But what other people would spend using their money is none of my business.

180

I don't have to do everything as others do.

181

Yes, I don't want to compare myself to others

182

because it make me excited and it's make me feel like I can't control myself yeah

183

because I have to compare compare compare so it's mean you have to you have your best life but

184

It's not your best life, it's others.

185

I think we can come back to this because this is a struggle for a lot of people too.

186

And I'm sure that you can give them some advice of how to change the bad habit into a good one.

187

All right.

188

So now give me one life lesson you learned when having to work for money. Be professional. Be professional.

189

Right.

190

That is such a broad idea.

191

Yeah.

192

What do you mean by that?

193

Okay someone said I'm a perfectionist

194

because I always put 100 % at least to my job my project my work

195

because I think if you passionate of doing anything

196

or you have committed you should do your best

197

because you can add value to that project I don't want people to disappoint me

198

when I join any project so it's mean I will have me better

199

that happen have me all right okay

200

so you have to like give it more than a hundred

201

percent yeah yeah I'm try okay all right good one personality trait

202

or secret habit

203

that made you financially independent since 35 discipline discipline discipline yeah

204

it's such a such a hard concept such a difficult things to actually do

205

because easier said than done right we should have discipline that's easy to say

206

but to actually have discipline what does it take for you

207

uh -huh discipline means um train yourself to do hard work

208

and like you have to know what is necessary and what's not

209

so disciplines means you have to do good things even you do not like to do it's easy

210

but it's hard to done right so it's like going to the gym

211

or like you know not eating bad food right right like sweeping wealth um eating healthy

212

or even investing um consistently yeah everybody knows it's good for

213

you for your health for your wealth for your life

214

but it's hard to consistency right

215

so for you was it was it hard from the beginning to train yourself to do things

216

that you might not like i think it's not easy for me too

217

when i start

218

but um i i'm trying to make it automatically it's like okay i wake up at four

219

and okay exercise 15 to 20 minutes meditation five to ten

220

minutes every single day it means it's like a habit it's

221

not different from my daily routine okay okay like you're going on like autopilot right okay so just

222

don't try to think too much about it yeah don't try to drag yourself

223

or force yourself to do something

224

that you don't want to do just make it a part of your life yes okay

225

and i saw the research for that brain like routine so

226

if you do it like a daily routine it's gonna be okay you don't feel

227

so tired to start another day because it automatically okay you make it sound

228

so easy so yeah of course because you've been training yourself for

229

so long and you're a very disciplined person now is there anything at all in your life right now

230

that you still find it very hard to do

231

or like discipline cannot work on my specific habit speaking english oh okay yeah yeah

232

because actually the reason i create this show is

233

because i want to make this my routine too even though i don't get to do this every day

234

but at least every week i get to talk to someone in english right

235

so yeah i think

236

that it works the same way right yeah try to make it a routine like a daily

237

or weekly routine at least right right right it's hard for me

238

but i think practice makes perfect like i said

239

so in my point of view

240

if anyone can do i can do you can do

241

because it's not the new things it's just something

242

that people can pass it so you can do it yeah it's like

243

if you choose to do it you can just go do

244

it right yeah don't think too much just don't think too

245

much okay all right uh -huh good advice yeah i agree

246

so just get up and do it right all right

247

that takes a lot less time okay how about uh the

248

advice of uh for for someone who's still very afraid or scared

249

of the idea of investing because they might say i don't have that that kind of money like left to invest.

250

I don't have any kind of like spare money

251

because I don't have a lot of salary and I have a lot of expenses already.

252

So it might not be for me to invest.

253

I think who want to start investment have to change their mind because investment does a tool, but the key is habits.

254

So if you want to start a good habit in money, you have to change your daily routine, right?

255

You can start with tracking your expenses.

256

It's easy to do it because if you're tracking where your money goes,

257

you will know that this is the necessary or unnecessary stuff,

258

right? after that you can like cut off the spending of unnecessary then move

259

that money to your saving account or investment account

260

so start with simple things like track expenses

261

and then move your money to a better version of yourself like pay yourself first in saving on saving

262

and investing I think this just a simple way simple tools don't think it's too much right right okay

263

because we cannot earn like a million baht from your first day of saving anyway

264

so like you said it will it will take time

265

and you have to be patient with uh getting rich

266

or getting wealthy but you can do a simple thing

267

or some simple things first like and of course tracking money these days is so easy

268

because we have a lot of tools right like before like

269

years years ago we have to actually do it on like paper spreadsheet

270

but now you have a lot of tool a lot of application right yeah

271

and you can do it like very easy

272

because it's like playing game on your phone yes right just

273

a plus it might not plus it might not that's all yeah yeah

274

and you know what everybody um i think they receive a million in their life because

275

if a person who have a salary around 20 ,000 by

276

a month right a year they will got around 250 ,000

277

that's mean around four to five years you've got your million okay

278

but the question is where your money go right

279

because you don't crack your expenses you let them go to the flow

280

so you just capture it

281

and make it in your pocket right no don't don't throw

282

it to others pay yourself first I think this is the

283

simple formula to do I think that's a very powerful phrase pay yourself first

284

because we used to think

285

that we try to be very very frugal with our money be very good with our money

286

and then we keep spending until at the end of the month we can go

287

and take a look in our purse

288

or our wallet like what kind of money do we have left

289

and then we save right but you're saying no we should do

290

that at the beginning of the month right pay yourself first and then spend the rest yeah right okay okay Okay,

291

one underrated financial instrument that you wish Thai people knew more about?

292

Interest rate.

293

Because interest rate has two sides, good side and bad side.

294

For good side, I have some examples.

295

If you have around 1 ,000 baht a month, and then you can save around 40 years.

296

You know what?

297

When time pass, if you just only save in a bank account, that got around 25 basis points interest rate annually after 40

298

years you have got around 500 ,000 baht by the way

299

if you change the way from self to invest to global equity

300

that will have return around 8 % annually okay from 1000

301

baht 40 years is gonna be around 3 .2 million baht it's a huge difference right it's six times yeah

302

because of the power of interest yeah right right this is worth learning

303

and worth studying about because once you know how interest works

304

and you get out of your comfort zone which is only Thai stocks

305

or Thai market and you go global that could that could double

306

or triple your savings and your investment right yeah yeah

307

but this is only good part right

308

but the best part is about credit card

309

if you pay stuff around 10 ,000 baht by your credit card

310

and you just pay a minimum 8 % monthly you know what 16 % of interest rate will

311

spend your 111 months to clear

312

that single debt more than nine years right this is the power of interest rate too

313

but in different stars yeah right right

314

so be careful of interest rate even in good part of

315

that part right okay because maybe we don't have to earn more we just

316

find a way to save more yeah like like they said a penny saved is a penny earned right

317

so maybe you

318

don't have the second income yet or third income yet but

319

if you uh can manage your first

320

and only income well you can get wealthy that way too yes yeah

321

and you have to careful of what you are spent be careful of interested of debt right

322

so speaking of debt i i want to go more into these financial terms.

323

I want you to rate them on the scale of one to five, let's say.

324

So five being the scariest and one not so scary.

325

How about debt?

326

I think I have two rate of debt.

327

Three and five.

328

Okay.

329

Three for good debt and five for bad debt.

330

Oh, okay.

331

So there's like two kinds of debt.

332

Yes.

333

It's not equal.

334

It means if you have good debt like home or education debt,

335

business debt, it's okay because you generate income from that money.

336

So that's the definition of good debt.

337

So something for a good cause and something that could generate income.

338

Right.

339

But another one, bad debt, it means it drain your wealth because there are a lot of interest rates and it's not generate anything.

340

You just use it, consume it it's like consumption debt on credit card is a bad debt okay

341

so like stuff in general

342

that you buy for your own pleasure right right um like luxury goods

343

or i don't know like fancy stuff fancy stuff yeah

344

so nice things like nice things we would like to have

345

because it can it can bring us joy

346

but it will not generate any money for us short term joy short term short term joy

347

and long yeah that's yeah things to think about

348

when you like swipe your credit card to buy something right okay

349

so um three for good debt that means it's okay to have debt

350

if you are sure that you can get the thing

351

that you can spend on right will will give you back something good

352

but it's still free because that had cost because

353

if you look at like home loan home loan is a good debt right

354

but if you if your home value around 1 million baht

355

and you have home loan interest rate around 5 % annually

356

in 30 years it's mean you have to pay 2 million baht at the end it's double right

357

so even it's a good debt it has cost.

358

So you have to be aware of having debt.

359

I see.

360

Okay.

361

So what do we do about these good debts?

362

So things we have to watch for, like what do we have to do?

363

You have to check yourself that you can pay and not much than 30 or 40 % of your income.

364

Okay.

365

It's okay

366

because it means you pay for your investment for your asset

367

for your business not for your lifestyle it would not make sense uh to have like 10 million baht house

368

if you still earn like 20 000 a month right

369

okay all right okay how about uh i love i love

370

this expression uh keeping up with the joneses it means uh like social comparison right like as they say like

371

when our neighbors uh buy a new car we we want

372

that too otherwise we would look like less or inferior than our neighbor

373

and we don't want that how scary is that five five okay

374

because very scary right very scary because you will feel

375

so exhausted every time

376

because you don't feel you okay you compare yourself to others every single day

377

and you never feel enough right

378

and you have to have higher income higher debt higher stuff something like

379

that higher lifestyle very stressful right and you will cannot have freedom

380

so let's say now you know

381

that you have these habits of comparing yourself to others

382

and you cannot help yourself you cannot stop yourself from buying or shopping uh -huh what advice we have for

383

those shopaholics out there okay it's not easy i think but okay

384

if you want to try something i would say the rule

385

of no spend 30 days no spend like not a single bat uh except necessary things okay like a tissue

386

or something like that because when i announced this um some fans text me

387

that people can i buy tissue

388

because it's out of my room right now i said it's okay okay just only necessary things you can buy

389

but none but unnecessary thing you have to stop buying just to like um um control

390

or like um like detox right oh your brain yourself

391

because for me i always open like e -commerce platform every morning since before i did it right yeah like

392

when i wake up okay after exercise after meditation before start working i will open e -commerce that okay

393

what like sales today and after

394

that i i i try to train myself not doing this you know what after 30 days pass the things

395

that are necessary is gone it means i didn't want it yeah i just love to have it

396

but it's not necessarily for my life so i can cut it off easily

397

and then it's not only 30 it's mean around a year

398

that i can wow uh wake up without open my e -commerce platform yeah

399

so just try the rule of not spending 30 days and you will know how your life your mind your

400

like a lifestyle change yeah because it can actually prove

401

that we do not need these yeah right yeah it's not

402

that necessary as we thought it would be and and

403

if you like a want to to do something okay i will add more you can add

404

that stuff to your basket first

405

and then you wait for around 30 days one month

406

and you will you can back

407

if it necessary you can buy it it happens to me all the time

408

because i've got like a hundred items in my basket and well as as time goes by I kind of learned that,

409

okay, I don't need to actually buy this stuff.

410

And I, yeah, I just take it out of the basket eventually.

411

Right.

412

It's easy, but you have to try to train your brain yourself to doing that.

413

Okay.

414

So five on the scale of scariness.

415

Okay.

416

How about some cost and opportunity cost?

417

Okay.

418

I would say it's around four.

419

For example, of opportunity cost, I would give you an example of 5 ,000 baht a month.

420

In terms of lifestyle inflation, if you pay around only 5 ,000 baht a month, and you think it's for your happy life,

421

it's for your lifestyle, it's for your rewards, right?

422

But however, opportunity cost means the value you miss out when you choose another option.

423

Yes.

424

Right.

425

If you pay 5 ,000 baht a month in 30 years to invest in global equity again,

426

8 % return annually, it makes you got around 7 million baht after 30 years pass.

427

So the opportunity cost is soon about 5 ,000 baht it means you're happy retirement you have seven million baht

428

when you're retired so it means

429

a lot for you be careful of what you choose to spend

430

so have you experienced um this opportunity cost before like um you realized too late

431

that i i shouldn't have invested in this and

432

and what do what do you do then okay um for

433

me uh in my investment experience i start around um 20 years right

434

so i think it's too late but it's still okay however

435

when i have my needs okay i talk to them

436

that you have to start early okay so when they just only 9 11 and 14 yeah yeah i

437

I ask them to give me around, not much, only a hundred, a hundred, two hundred, five hundred a month,

438

right, for invest to yourself since you was young.

439

Okay, so you help them put up the investment account and put money in their own name?

440

Right, because they have a lot of time more than me, and they will have financial freedom faster than me if they're still consistently

441

uh investing yeah yeah

442

and that's the key too you have to keep doing it yeah right right start young so

443

if you're still young that's good news for you yeah you you have a lot of like huge advantage right

444

because time is on your side so if you can start young and you keep doing it every month

445

you will get very wealthy right

446

because in investment industry we all say we always said

447

that time is your friends

448

so time in the market is more important than timing the market okay right right

449

so four four okay all right just have to watch um and be careful right and be aware okay

450

um how about these words they always like come together fear

451

and greed because we hear it all time

452

when it comes to investment right yeah fear

453

and greed that's that's where um people choose to like buy

454

or sell or yeah um how scary is it four four right okay because um emotion

455

always influence reason okay in the statistic of the stock exchange of thailand thai investors always sell their stock

456

when they have around 10 % profit.

457

And they will cut lots when they've got around 30 % drop.

458

Okay.

459

So this formula means Thai investor always lots around 20 % every time, right?

460

That's because of their fear and greed every single time.

461

Okay.

462

So be aware of um in the market okay

463

so what you're saying is

464

that we should not uh invest uh according to emotions right okay

465

so according to what should we be investing then uh i mean fundamental okay

466

or your long -term goal because a lot of people have long -term goal like okay i invest for retirement, right?

467

It's around 20, 30 or 40 years.

468

But when times come like war in Iran or even tariffs from United States of America,

469

they're so scared about current situation.

470

They fear the sale.

471

And after that, they're out of the market.

472

And they're not confident to back in the market again

473

so that's why they will meet some opportunity at that time yeah

474

and me personally i found out that the tool

475

that can get rid of greed and fear is dca right ah yes yeah

476

because you're not going uh with the market uh through your emotion

477

because when even though the situation get how good it gets

478

or how bad it gets it has nothing to do with your habit yes with your tool of like consistently saving up.

479

Maybe you can consider DCA.

480

You can be an investment guru, I think.

481

I cannot be a guru.

482

But I think I get a lot of good concept or habit out of knowing DCA, how DCA works.

483

So it's pretty scary if you're not on to your own emotion.

484

greed and fear can lead you to such an unwanted place yes yes

485

and nowadays we saw a lot of bad news every single minute yeah

486

because we can get like fear

487

or you can get scared every day every single day by

488

like news right yeah okay to be aware of um information yeah okay i agree how How about this one, the last one, panic selling?

489

Uh -huh.

490

Followed by fear and greed, right?

491

Right, greed too.

492

In the historical data, they told that if some day is the worst day of the stock market,

493

they are always followed by the best day.

494

Oh, okay.

495

As always, in 1987 to 2025, S &P 500 in almost 40 years.

496

You know, if you just meet five best days of the market, your return will drop around 40%.

497

It means if you not stay invested, if you are on and off,

498

if you're trading, if you panic sell, you will miss a lot of opportunity for gain right you'll miss out yes

499

so be careful of um time the market I would say again

500

that time in the market is important than time in the market.

501

How do we know when to do?

502

Or how do we know when to protect your money?

503

So back to the basics, I think you have two things.

504

First, you have to have an emergency fund.

505

That you make sure that your life is okay

506

if there are some like COVID -19 or even war or some crisis, right?

507

You can stay and survive around three to six months or more than that.

508

This is the first thing.

509

The second thing is you have to know what are your

510

interests what is what are you investing like you have to

511

know what stock is it what um like um capability for survive of the crisis of your asset

512

if you understand what is it gonna be it will make you feel a bit calm right not

513

so panic because a lot of people who's panic they follow somebody i see Follow the market, follow some idols, follow some traders.

514

And do what their friends told them.

515

Right, right.

516

Yeah, so stay informed and really know what you invest in, right?

517

The stock, the assets.

518

Yeah, so like, yeah, knowledge, I think it's a power.

519

Right, right.

520

Yeah, and this is no exception.

521

You have to have knowledge in investing too

522

so yeah keep learning uh -huh yeah

523

and every crisis you learn are you a person who take risks

524

or not right maybe because when we have like assessment to check

525

that okay your risky skill is oh one to five we

526

always said okay we can take a lot of bricks right

527

but by the way when you in the market you know what exactly you are yeah because

528

when it actually happens yeah you you know how you feel

529

right right you you can get panicked you can get very chill and

530

and that's how you learn about yourself in terms of investing

531

habits too do you think your habits of investing change through the years oh yes change a lot okay

532

because um around 10 years ago i always um hunt the market Yes,

533

I'm trying to choose the things, the theme, the country, or the stock that's going to give me more than average.

534

Like, okay, maybe average is around 8 % to 9%, right?

535

But if I want more, it's around 10 % plus.

536

However, I know that even I'm in the field, I read economics and investment news every single day

537

but I still follow the market

538

so I changed my way of investment to global equity

539

diversification to every country every theme every concept of investment

540

and then just dollar cost averaging for only two assets global equity

541

and a bit of gold for hedge the risk right okay So what is your goal right now?

542

Because you seem to have achieved everything that a person could want, right?

543

You have your financial freedom, and you have written a book, you have done the show,

544

the content, you have created your own brand, Wealth Me Up, and you've been a guru

545

or a great helper for Thai people who want to be wealthy and be disciplined with their money for a long,

546

long time now.

547

It seems like you've done it all.

548

So what else do you want out of your life right now?

549

To be honest, PBIC, I don't have a plan for my five years

550

or 10 years later

551

but i know one thing i will do every single day best i can do

552

because i i believe in compounding so

553

if i do today best right it means tomorrow it's going to be okay right

554

and it's going to be uh like the parts going to be okay too

555

so i just uh believe in tiny habit person is person is my like a concept of life

556

so I don't know frankly I don't know what what I want to be in five

557

or ten years but I know that okay that's

558

make your moment the best present is present right yeah and that's such a healthy um concept

559

or belief to have i think yeah just just do your best for today

560

and tomorrow will we will be better yeah just have to keep believing

561

that right right okay coming back a little bit for um

562

those of you who are interested in getting this book uh we can get it from bookstore

563

and there's an e -version too, right?

564

That's an e -book version.

565

Right, right.

566

Okay.

567

How was the experience?

568

What was the experience like writing this book?

569

How long did it take you to finish it?

570

More than one year.

571

Really?

572

Wow, okay.

573

Because of my time, because I work a lot and I had no time to like focus on this book.

574

But okay, happily I have team support me and like, okay people it's time to send to us now something like

575

that so finally it's done yeah so what what was the biggest lesson

576

that you have learned from writing this book i think it's an experience of um reader of my fans because

577

when i did like a video it's like a one -way communication right okay i just record it pause it

578

and they okay a bit comments but when i uh written this book

579

and a lot of people like a feedback after reading okay a lot of your team right

580

you mean your team yeah okay yeah yeah okay and and

581

and i i think it's more than like a 100 review

582

that tagged me in my ig story

583

and said like okay be fun i feel like blah blah blah i thank you for to the truth

584

and i not and now i'm achieve something

585

and it's like like a community

586

that we can engage our audience our fans closely then video

587

and it's like uh i share my story in this book right

588

and they think that it's like a tie style of money situation uh -huh

589

so it's like a common ground that we can share together

590

and i feel like it's more than my expectation pb right

591

right i think you get a lot of material like what

592

to write about from from your community from your fans from your readers from your viewers too

593

because you keep communicating with them

594

so you know the real problems from real people right yeah

595

so you can like give them what they actually want yeah

596

so from your experience what would you say is the biggest

597

financial problem for Thai people I would say lifestyle inflation lifestyle inflation yes

598

that is so scary like you said before keeping up with the joneses right right

599

because um if you still compare yourself to others it means you're gonna be like tired

600

and you will not achieve your goal

601

because your goal will get higher higher every time right

602

so i think it's not about knowledge it's about mindset it's

603

not about tools it's about habits it's not about product it's about how you do it

604

because in this um like a social media

605

or even um knowledge around the world not only in thailand everybody can learn about money about investment

606

but um the things that make people success

607

or not is about doing uh -huh so i think not only habits

608

but you have to change every moment you did it

609

because it's gonna make you feel like you're proud of myself

610

and you will know that it's a long way to achieve

611

so don't be

612

so hurry okay let the flow of consistency works let's compile

613

interest works for you yeah i love it it's well i agree with you

614

because everybody has the same knowledge

615

because we all have the same access to the internet right

616

or just the same access to like whatever knowledge there is

617

in the world like the book we can everybody can buy some book right

618

but only people who actually put that knowledge into the real use and have a clear goal and know best about yourself.

619

I think that's something that I learned from you today too.

620

If you don't know about yourself, if you don't know who you are, it's going to be very hard for you to get to your goal, right?

621

And yeah, that's what I love the most about.

622

today's conversation thank you so much for coming

623

and of course i will not let you leave without giving us one of your

624

or two of your most favorite words comedy conference is present

625

present is present like for now you are my here

626

and my now and you the same way thank you so much i really enjoy this talk thank you very much

הורד אפליקציה

כל מה שאתה צריך כדי לדבר בשטף

הגיית AIציון לכל משפט

תרגול IPAשלוט בכל צליל

אוצר מיליםבנה את מאגר המילים שלך

משחק אוצר מיליםלמד תוך כדי משחק

סרוק QR

Download on theApp Store Get it onGoogle Play

אותו ערוץ

Speaking English with LISA: The World-Famous Idol from Thailand! | knd Feat. EP.222

TeensDaily Conversation

คุยภาษาอังกฤษกับเอกอัครราชทูตอังกฤษประจำประเทศไทย Mark Gooding | คำนี้ดี Feat. EP.31

Business EnglishDaily ConversationUniversity Students

คุยอังกฤษกับ GEMINI เคล็ดลับออร่าความหอมแบบหนุ่มอินเตอร์ | คำนี้ดี Feat. EP.205

TeensDaily ConversationHigh School Students

คุยอังกฤษกับหมอไทยที่ไปเป็นอาจารย์หมอสอนคนอเมริกัน @DrTany | คำนี้ดี Feat. EP.127

Daily ConversationUniversity StudentsWorking Adults

FOR YOU

המלץ על סרטון

708 משפטים

Master The Money Game | Build Wealth Step by Step | Graded Reader | Improve Your English Fluency ✅️

Daily ConversationWorking Adults

53 משפטים

English File 3rdE - Intermediate - Practical English E3 -Old friends: Jenny has coffee with a friend

Daily ConversationWorking Adults

729 משפטים

English Podcast for Daily Life English Conversation | Talk About Confidence | Learn English Fast

Daily ConversationWorking Adults

82 משפטים

I Quit My $250K Tech Job — Now I Make $33K Selling Matcha

Daily ConversationWorking Adults

8 משפטים

Day 19 - Learning English & Personal Growth | 21days speaking challenge

Daily ConversationWorking Adults

387 משפטים

7 LESSONS FROM MY 20S | THE TOMMY ENGLISH PODCAST | EPISODE 17

Daily ConversationWorking Adults

108 משפטים

Sallie runs into Andrew Tate at Dirty Boxing

Daily ConversationWorking Adults

396 משפטים

Genoeg is genoeg — Hoe word je écht gelukkig? (B1-B2)

Daily ConversationWorking Adults

588 משפטים

ENG 'เจมีไนน์ นรวิชญ์' มองเห็นคุณค่าในตัวเอง เข้าใจชีวิตว่ามีขึ้นมีลง || T2T

Daily ConversationWorking Adults

195 משפטים

From Confused to Crystal Clear: The Exciting Way to Train Your Ears with Movies!

Daily ConversationWorking Adults

אוצר מילים והערות הגייה לשיעור הזה

שיעור הדיבור הזה ברמה B1 מבוסס על הסרטון “คุยอังกฤษกับ เฟิร์น ศิรัถยา ชีวิตจริงของคนมี Financial Freedom ตั้งแต่อายุ 35”. בסרטון הזה יש 626 משפטים ו-7141 מילים לתרגול Shadowing. הדיבור נמשך 50:19. הדובר שומר על קצב יציב של כ-142 מילים בדקה, קצב נוח לתרגול Shadowing. 88% מהמילים נמצאות בין 3,000 המילים הנפוצות ביותר באנגלית, כך שקל לעקוב אחרי אוצר המילים.

אוצר מילים מרכזי בסרטון הזה

15 המילים המתקדמות ביותר בסרטון, עם ההגייה והמשמעות שלהן:

מילה	הגייה	משמעות
habit שם עצם	/ˈhæb.ɪt/	הֶרְגֵּל, מִנְהָג
discipline שם עצם	/ˈdɪsəplɪn/	מִשְׁמַעַת
greed שם עצם	/ɡɹiːd/	בֶּצַע, חַמְדָנוּת
compound שם עצם	/ˈkɑmpaʊnd/	תרכובת
wealthy שם תואר	/ˈwɛl.θi/	אָמִיד
lifestyle שם עצם	/ˈlaɪfˌstaɪl/	אֹרַח חַיִּים
emotion שם עצם	/ɪˈməʊ.ʃən/	רֶגֶשׁ
panic שם עצם	/ˈpænɪk/	בֶּהָלָה
translate פועל	/tɹænzˈleɪt/	תִּרְגֵּם
investor שם עצם	/ɪnˈvɛs.tə(ɹ)/	מַשְׁקִיעַ
retire פועל	/ɹəˈtaɪɹ/	פרש
basket שם עצם	/ˈbæskɪt/	סַל
inflation שם עצם	/ɪnˈfleɪ.ʃən/	אִינְפְלַצְיָה
pronunciation שם עצם	/pɹəˌnʌn.siˈeɪ.ʃən/	הֲגִיָּה, בִּטּוּי
pillar שם עצם	/ˈpɪlɚ/	עמוד

Phrasal verbs שתשמעו

מילה	הגייה	משמעות
wake up פועל	/ˌweɪk ˈʌp/	התעורר
come back פועל		שָׁב
get up פועל		קָם
go down פועל		ירד
go up פועל		עָלָה
grow up פועל		גָּדַל
sit down פועל		התיישב \ הִתְיַשֵּׁב

משפטים שכדאי לחזור עליהם

משפטים קצרים ושלמים מהסרטון שאפשר להשתמש בהם בשיחה יומיומית:

I did everything they asked and they don't ask.
It's like, okay, I have time, what should I do now?
What do you mean by that?
How do we know when to do?
How long did it take you to finish it?

דקדוק בסרטון הזה

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

מבנה	בסרטון
משפטי תנאי (Conditional sentences) if + clause, will/would + verb — תנאי ותוצאה שלו	if you think it's present, you will do
הווה מושלם ממושך (Present perfect continuous) have/has been + -ing — פעולה שהתחילה בעבר ועדיין נמשכת עכשיו	you've been doing · you've been training
הווה מושלם (Present perfect) have/has + past participle — פעולה שקרתה בעבר ועדיין יש לה חשיבות או השפעה עכשיו	you've reached · we've been · we've talked
סביל (Passive voice) be + past participle — הדגש הוא על מה שקורה, לא על מי שעושה את הפעולה	was known · be obsessed · is given

הגייה ששווה לשים לב אליה

הדובר משתמש ב-104 קיצורים וצורות מקוצרות, כמו don't, you're, I'm. אמרו אותם בצורה הקצרה, כפי שאתם שומעים אותם.

הצלילים של “th”: wealthy /ˈwɛl.θi/, mathematics /mæθ(.ə)ˈmæt.ɪks/, marathon /ˈmæɹəθən/
הצלילים של “sh” ו-“zh”: emotion /ɪˈməʊ.ʃən/, inflation /ɪnˈfleɪ.ʃən/, pronunciation /pɹəˌnʌn.siˈeɪ.ʃən/, meditation /mɛdɪˈteɪʃn̩/, tissue /ˈtɪʃ.(j)u/
מילים ארוכות — שימו לב להטעמה: consistently /kənˈsɪstəntli/, unnecessary /ʌnˈnɛs.əˌsɛɹ.i/, incubator /ˈɪn.kjuːˌbeɪ.tə(ɹ)/, pronunciation /pɹəˌnʌn.siˈeɪ.ʃən/, vocabulary /vəˈkæb.jə.lə.ɹi/

צלילים שדוברי עברית מתקשים בהם:

/w/ — שפתיים מעוגלות, לא /v/: wealthy /ˈwɛl.θi/, equity /ˈɛk.wɪ.ti/, reward /ɹɪˈwɔɹd/, swipe /swaɪp/, unwanted /ʌnˈwɒntɪd/
/æ/ — פתוח יותר מה-“אֶ” העברית, לא כמו “a” ב-“cup”: habit /ˈhæb.ɪt/, panic /ˈpænɪk/, translate /tɹænzˈleɪt/, annually /ˈæn.jʊə.li/, basket /ˈbæskɪt/
/r/ — הלשון לא נוגעת בשום מקום, לא ה-“ר” הגרונית: greed /ɡɹiːd/, translate /tɹænzˈleɪt/, generate /ˈd͡ʒɛn.ə.ɹeɪt/, guru /ˈɡʊɹ(ˌ)u/, investor /ɪnˈvɛs.tə(ɹ)/

איך לתרגל עם הסרטון הזה

הקשיבו לכל הסרטון פעם אחת בלי לדבר, ורשמו את המילים שאתם לא מכירים.
תרגלו Shadowing משפט אחר משפט במהירות רגילה, וחזרו על כל משפט עד שהקצב שלכם תואם את הדובר.
הקליטו את עצמכם והשוו למקור, תוך תשומת לב למילים כמו habit, discipline, greed.

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 →

Shadowing Practice: คุยอังกฤษกับ เฟิร์น ศิรัถยา ชีวิตจริงของคนมี Financial Freedom ตั้งแต่อายุ 35 | คำนี้ดี Feat. EP.196 - Learn English Speaking with Video

בחר מצב תרגול

הורד אפליקציה

Speaking English with LISA: The World-Famous Idol from Thailand! | knd Feat. EP.222

ไมกี้ ปณิธาน เปิดหมวกอยู่ดีๆ รู้ตัวอีกทีก็เป็นพระเอก | คำนี้ดี Feat. EP.89

คุยอังกฤษฟินๆ 40 นาทีกับ บิวกิ้น พุฒิพงศ์ | คำนี้ดี Feat. EP.67

GEMINI คุยอังกฤษ 40 นาทีกับเจมีไนน์ นรวิชญ์ | คำนี้ดี Feat. EP.78

หน้าตาดีไม่ได้แปลว่าชีวิตง่าย กับ จอส เวอาห์ | คำนี้ดี Feat. EP.124

คุยภาษาอังกฤษกับเอกอัครราชทูตอังกฤษประจำประเทศไทย Mark Gooding | คำนี้ดี Feat. EP.31

คุยอังกฤษกับ GEMINI เคล็ดลับออร่าความหอมแบบหนุ่มอินเตอร์ | คำนี้ดี Feat. EP.205

คุยอังกฤษกับหมอไทยที่ไปเป็นอาจารย์หมอสอนคนอเมริกัน @DrTany | คำนี้ดี Feat. EP.127

Master The Money Game | Build Wealth Step by Step | Graded Reader | Improve Your English Fluency ✅️

English File 3rdE - Intermediate - Practical English E3 -Old friends: Jenny has coffee with a friend

English Podcast for Daily Life English Conversation | Talk About Confidence | Learn English Fast

I Quit My $250K Tech Job — Now I Make $33K Selling Matcha

Day 19 - Learning English & Personal Growth | 21days speaking challenge

7 LESSONS FROM MY 20S | THE TOMMY ENGLISH PODCAST | EPISODE 17

Sallie runs into Andrew Tate at Dirty Boxing

Genoeg is genoeg — Hoe word je écht gelukkig? (B1-B2)

ENG 'เจมีไนน์ นรวิชญ์' มองเห็นคุณค่าในตัวเอง เข้าใจชีวิตว่ามีขึ้นมีลง || T2T

From Confused to Crystal Clear: The Exciting Way to Train Your Ears with Movies!

אוצר מילים והערות הגייה לשיעור הזה

אוצר מילים מרכזי בסרטון הזה

Phrasal verbs שתשמעו

משפטים שכדאי לחזור עליהם

דקדוק בסרטון הזה

הגייה ששווה לשים לב אליה

איך לתרגל עם הסרטון הזה

מהי טכניקת השאדואינג?