Pratica di Shadowing: 6 Unsexy Habits That Made Me A Millionaire - Impara a parlare inglese con i video

Scegli una modalità di pratica

Ogni modalità apre una sala di pratica a schermo intero.

227 frasi

Se le frasi sono troppo corte o troppo lunghe, clicca su Edit per modificarle.

So, a lot of people think money needs to look something like this. Or this.

But actually, what if it looks more like this?

If there's one thing I learned going from $100 ,000 debt to millionaire,

it's that the boring little habits that aren't even that hard to do are what make the biggest difference for your finances.

starting with habit number one i invest before i flex see this this is the passive income from my investments

that paid for my louis vuitton bag now this lv bag is my one designer bag

and i didn't buy this with my paycheck my investments bought it for me

so a long time ago i learned that you can either work for money

and use that money to then go buy nice things or you can work for money, then invest that money so that that money is working for you.

And then with that money, you can go buy nice things.

This is what Robert Kiyosaki talks about in his book, Rich Dad, Poor Dad.

Like if I make $10 ,000, I can either spend that on a nice trip, cars, clothes.

So money goes in, money goes out.

This is actually what most people do.

Or you can be smart and you can take that $10 ,000 and buy assets with it.

It's the difference between money coming in and then straight back out

or money going into permanent wealth into your asset column

which then generates income and from that you can spend on things that you want.

For example you could buy $10 ,000 worth of VTI.

It's one of my favorite stock funds.

This gives you exposure to all of the major US companies.

Now I know

that quietly transferring money into your investment account isn't anywhere near as sexy as posting about a new handbag

or a European vacation on Instagram but every dollar

that you Invest is like an employee

that you put to work is working for you 24 -7 to make you even more money

and provide you with handbags and European vacations for a lifetime.

Ever since I started thinking about money this way, it completely blew my mind and it completely changed how I think about my buying decisions.

Now, don't get me wrong.

I still splurge here and there.

I like my bougie things.

But if you were to come over my house, you'd see an old but cozy home with affordable rent.

You'd see a Toyota Corolla because it's super reliable.

Some tasteful secondhand West Elm furniture that I got from Facebook Marketplace and truly nothing that screams wealth.

It's not sexy, but it works.

I watch out for lifestyle inflation.

So there's this concept from the book Your Money

or Your Life by Vicki Robin that completely changed how I think about money.

It's called the crossover point.

Now the crossover point is where the passive income from your investments crosses your expenses.

In other words, when your investments generate more than you spend, you are financially free.

That's it.

That is the game.

Because once you reach that point, you never have to work another day in your life unless you want to.

Problem is most people never reach this point.

Why?

Because of lifestyle inflation.

Lifestyle inflation is when you get a raise, you get a nicer apartment.

You get a bonus, you get a car.

Every time your lifestyle inflates, that crossover point gets pushed farther and farther away.

Let's say you live on $3 ,000 a month.

To be financially free, you would need your investments to generate $3 ,000 a month.

And using the 4 % rule, which is the common rule of thumb used in financial planning, that means you would need $900 ,000 invested to reach your crossover point.

Now, let's say you got used to more of a $5 ,000 a month lifestyle because you moved to a nicer apartment, you started going out to eat more,

etc, etc. So instead of now needing $900 ,000 to become financially free, you need one and a half million dollars.

You see how lifestyle inflation keeps moving the goalposts, so you never really get there.

And most people stay on this hamster wheel their entire lives.

Now there are elements of lifestyle inflation that I love.

I love that I'm able to afford going out to eat more, a lot more than we were able to as a kid when I was growing up.

We really didn't have that much money.

Or maybe you move from a really dangerous, shady part of town to a safer, nicer neighborhood.

There's elements of lifestyle inflation that are necessary and good, but I'm talking about the kind of unintentional lifestyle inflation

that just creeps up on you and keeps moving that goalpost further and further out.

So before I let anything become a habitual expense, I always ask myself two things.

What feeling am I really seeking by spending this money?

And then two, can I get this feeling by not spending that money?

Or is it really worth spending that money?

And often the answer is I can get that same feeling by not spending money or in a much cheaper way.

Like I used to get my nails done for at least $150 a month.

So when I thought about my crossover point and the fact

that I would need $45 ,000 more invested to sustain that habit, I decided to reassess.

I realized that what I'm really seeking when I go get my nails done is the ability to express myself, let out my artistic creative side a little bit with different colors patterns,

designs, and instead of spending to get that done, I could have some fun with it and do it on my own at home.

So I got my UV lamp and all these little supplies and it's actually really fun and it cost me almost nothing.

So I'm getting the same feeling.

I'm still romanticizing that ritual.

I still have really nice looking nails and I'm going to reach my crossover point faster.

That's how you get rich and stay rich.

Now this one might sound a little unhinged, but I eat the same thing every day.

I have the same oatmeal every morning for breakfast and for lunch I eat the same formula of a grain, a protein, and some vegetables, and a sauce.

But I basically perfected my breakfast and lunches to hit all of my macros, protein, carbs, and fat to stay healthy

and then dinner is where I mix it up a little more and make it more exciting.

But other than that you are going to see me eating the same thing every day.

This saves me a ton of money on my grocery bill

But the bigger thing is

that it frees up a lot of mental bandwidth to let me go

and make even more money This speaks to the greater idea of having systems for everything.

I have a system for getting dressed every day I use the same outfit formula of comfortable pants

and tank or t -shirt if i'm staying at home Or

if i'm going out I have an outfit lookbook

that i've printed out and all I have to do is choose something and put

that on I don't have to think I have a system

for working out I've got this whole tracker in my notes app

so that I know exactly what I need to do

when I wake up

that morning Basically a system is a setup where you automate

a part of your life It's where you make certain decisions ahead of time so that

when it's time to actually do the thing You can just

get to doing the thing instead of having to first decide what the thing is going to be

100

and then do the thing

101

Because decision fatigue is a real thing We wake up with a limited amount of energy

102

and a lot of the energy we expend making little decisions here

103

and there Back when I was trying to start my business while working full -time, I started creating systems for everything in my life.

104

And there is no chance I could have gotten my business off the ground

105

if I was worrying about low -value stuff like what to eat, what to wear every single day.

106

And that is why systems are a game -changer.

107

Systems free up mental bandwidth so you can go focus on the things in life that are important to you.

108

As someone who talks and thinks about money all day long, I also know that one of the biggest things

109

that will free up your mental bandwidth is when you have your money handled.

110

So I'm a big fan of systematizing that part of your life too.

111

Investing, saving, et cetera.

112

Which is why I'm very excited to tell you about Fruitful, the sponsor of today's video.

113

Fruitful is an all -in -one money automation system that basically runs your finances for you.

114

You get one -on -one guidance from a certified financial planner professional who helps you set up your entire money system.

115

How much to save, where to invest, all of it.

116

And then it just runs on autopilot.

117

It's like having systems for your meals, for your outfits, but it's for your finances.

118

They also have a fruitful cash account that pays a 4 % interest rate, which is probably way better than what your bank is giving you.

119

What I love about it is that you don't have to think too much about your money.

120

It just works in the background to make sure

121

that you'll have money for all the things you want to do in your life, whether that's investing for the future, buying a house, or paying for that next vacation.

122

If you want to check them out, link is in the description.

123

So systematize your money, your outfits, your meals.

124

You probably think I'm so boring, but I promise you I'm not.

125

I also do have some hobbies.

126

And so the next unsexy habit that I do is that I have cheap hobbies.

127

Now, if you ask most people what they do for fun, the answer for most people is they scroll.

128

And scrolling is expensive.

129

Why?

130

Because your phone has so many algorithms

131

and targeted ads you don't have a chance at resisting

132

because they know exactly how your psychology works they're looking at all of your data

133

and they know what makes people buy i used to think i was above

134

that i was above the algorithm and so i would scroll timu

135

and things would get me i would buy a lot of

136

that i ended up not even wanting when it arrived on my doorstep that's

137

when i realized i was seeking dopamine and there was something about scrolling

138

and buying stuff that was giving me little hits of dopamine

139

that wasn't doing any favors for my bank account and really not even for my happiness.

140

And so now I have different ways to get my dopamine, which is through these different hobbies.

141

I recently started making sourdough bread.

142

It's really fun and delicious.

143

It only costs $15 a month in flour from Costco.

144

And it even has the added benefit of giving me an excuse to go visit my friends to gift them extra loaves.

145

I also recently took up reading again.

146

Also cost nothing, a book or two on Amazon, 10 to 20 bucks a month.

147

And my latest hobby, which is fire dancing.

148

I'm not the best at it, but pretty cheap.

149

Fuel is like $10 for a can.

150

And so, okay, fine.

151

Maybe I do have a little bit of hobby ADHD.

152

I admit that.

153

But at least my hobbies keep me so stimulated and busy, it reduces my urge to be on this.

154

This thing.

155

Because this thing, this device is not designed to make you rich.

156

It is designed to steal...

157

your time and attention and your money.

158

No rewards card.

159

I mostly use my debit card.

160

I've cycled through a lot of different rewards credit cards.

161

I've gotten free flights, hotels, all the good stuff.

162

I do love a good rewards credit card.

163

But the thing is, I also realized

164

that I would spend a lot more than I otherwise would

165

because it was on credit and because I could justify it with the rewards.

166

And so I actually did the math.

167

I did some digging.

168

And research shows that credit users spend 12 to 18 % more on average.

169

And there's other studies that show people are sometimes even willing to pay up to 100 % more if it's on credit.

170

And so rewards cards usually give you around 1 to 3 % of your spending back in rewards.

171

But if you're spending 12 to 18 % more and in some cases paying double, then you're actually not getting ahead.

172

It feels like you're getting free stuff, but you're spending a lot more to get that free stuff.

173

So in fact, you would have been better off not trying to get those rewards in the first place.

174

And look, I am going to miss the lounge access.

175

There's a certain cool kids factor that comes with saying that you get lounge access.

176

But honestly, the last few times I visited a lounge, I had to wait in line.

177

So that wasn't necessarily fun.

178

And it also never really made sense to me.

179

Like we're trying to get on the plane and get to our destination as fast as possible, right?

180

So I'm not going to go to the airport early to go to a lounge.

181

I'm going to get there right before my flight.

182

So honestly, I've been pretty cool with not having lounge access, especially because I don't travel very much Getting rid of my $800 annual fee credit card

183

and just going to a simple cheap rewards credit card for all of my monthly subscriptions

184

and then doing all the rest of my spending on debit instead

185

Because with all the money I saved doing

186

that I'm going to pay for my business class flight in cash

187

and not have to wait in line at the lounge Going

188

back to debit for most discretionary purchases has helped me a lot

189

Because I definitely started getting pulled into the trap of swiping a little too much on plastic, a little too many Amazon purchases,

190

because when you can separate the pain of parting with your cash versus the instant gratification of buying the thing, that's dangerous.

191

Now if I don't have the cash, I don't buy it.

192

And that's actually been really healing and liberating for my relationship with money.

193

And now this habit is definitely the most unsexy one, but arguably the most important, which is that I invest like a grandma.

194

People come up to me a lot and they say, oh, given the recession that's coming, the world war that's happening,

195

rates, rising inflation and the AI bubble, how are you investing?

196

And my answer to them is always the same.

197

I am investing the same way I was investing 10 years ago when I started investing.

198

Nothing's changed.

199

And that's because I invest like a grandma.

200

There's this huge misconception that investing has to be really sexy, fancy, complicated, like day trading,

201

futures and options, NFTs, finding the next NVIDIA or Palantir.

202

But this kind of risky, sexy investing is how a lot of people end up losing their life savings.

203

Good investing is not sexy.

204

In fact, the more boring your investing feels, the better you'll do.

205

Over 90 % of actively managed funds failed to beat the S &P 500, Which means people who do this for a living,

206

active fund managers, weren't able to beat just sticking your money in the overall economy via an S &P 500 fund.

207

In fact, legend has it that Warren Buffett, best investor of all time,

208

he bet a million dollars that hedge fund managers could not beat a boring old S &P 500 index fund.

209

And guess who won the bet?

210

The boring S &P 500 index fund returned over 128%,

211

whereas hedge fund managers, fancy Wall Street people who do this for a living, they made 36%.

212

So yeah, boring works.

213

Also, even though I don't always talk about it, I'm not always talking about what I'm investing in, I am always investing.

214

Every month, rain or shine, I do something called dollar cost averaging.

215

This is where you invest the same amount every single month, regardless of where the market is, because you're not trying to time the market.

216

If you keep your money invested for long enough, time and compounding is going to do all the work for you and grow your money exponentially.

217

It's not about timing the market.

218

It's about time in the market.

219

So by now, you know

220

that my life is pretty boring My money is even more

221

boring a lot of unsexy habits Maybe my hair color is

222

the most exciting thing about me Nobody's gonna make a movie about my Toyota Corolla or my sourdough bread, but you know what is sexy?

223

being a millionaire Being financially free and being able to say yes to things

224

and no to things because you don't have to do anything because of money I would say that's pretty sexy.

225

That's it for this video.

226

Thank you so much for watching and I'll see you in the next one.

227

Bye!

Scarica l'app

Tutto ciò che serve per parlare fluentemente

Pronuncia con IAVoto per ogni frase

Pratica IPAPadroneggia ogni suono

VocabolarioCostruisci il tuo lessico

Gioco di vocabolarioImpara giocando

Scansiona QR

Download on theApp Store Get it onGoogle Play

Stesso Canale

MILLIONAIRE EXPLAINS: If I Started 2026 With $0, Here's My Exact Plan

Daily ConversationWorking Adults

FOR YOU

Video consigliato

259 frasi

Vocabolario e note di pronuncia per questa lezione

Questo video contiene 227 frasi e 2900 parole da ripetere con lo shadowing. Il parlato dura 14:33. Chi parla va veloce, circa 199 parole al minuto: aspettati suoni legati e ridotti. Il 82% delle parole rientra nelle 3.000 più comuni dell’inglese; conviene studiare le altre prima di iniziare.

Vocaboli chiave di questo video

15 parole del video che vale la pena imparare, con pronuncia e significato:

Parola	Pronuncia	Significato
invest verbo	/ɪnˈvɛst/	investire
lifestyle sostantivo	/ˈlaɪfˌstaɪl/	stile di vita
reward sostantivo	/ɹɪˈwɔɹd/	ricompensa
inflation sostantivo	/ɪnˈfleɪ.ʃən/	inflazione
bore verbo	/boɹ/	annoiare, tediare
sexy aggettivo	/ˈsɛksi/	sexy
habit sostantivo	/ˈhæb.ɪt/	abitudine, consuetudine
hobby sostantivo	/ˈhɑ.bi/	hobby, passatempo
outfit sostantivo	/ˈaʊtfɪt/	completo, tenuta
financially avverbio		finanziariamente
vacation sostantivo	/veɪˈkeɪ.ʃən/	vacanza
generate verbo	/ˈd͡ʒɛn.ə.ɹeɪt/	generare
nail sostantivo	/neɪl/	unghia
bandwidth sostantivo	/ˈbændwɪdθ/	larghezza di banda
debit sostantivo	/ˈdɛb.ɪt/	addebito

I phrasal verb che sentirai

Parola	Pronuncia	Significato
end up verbo		andare a finire, finire
go out verbo		uscire, andare fuori
back out verbo		fare retromarcia, fare marcia indietro
grow up verbo		crescere
set up verbo	/ˌsɛt ˈʌp/	preparare, installare
take up verbo		sollevare, prendere
wake up verbo	/ˌweɪk ˈʌp/	svegliarsi

La grammatica di questo video

Le strutture che chi parla usa di più, con le parole esatte del video:

Struttura	Nel video
“Used to” used to + verbo — un’abitudine o uno stato passato che non è più vero	used to get · used to think
Frasi relative who / which + frase — un’informazione in più su una persona o una cosa	rule, which is · someone who talks · rate, which is
Present perfect have/has + participio passato — un’azione passata che conta ancora adesso	i've printed · I've cycled · I've gotten
Forma passiva be + participio passato — conta ciò che accade, non chi lo fa	is not designed · is designed

Pronuncia a cui fare attenzione

Chi parla usa 52 contrazioni e forme ridotte, come I'm, don't, I've. Pronunciale nella forma breve, così come le senti.

I suoni “th”: bandwidth /ˈbændwɪdθ/, algorithm /ˈælɡəɹɪðm̩/, mathematics /mæθ(.ə)ˈmæt.ɪks/, thumb /ˈθʌm/
I suoni “sh” e “zh”: inflation /ɪnˈfleɪ.ʃən/, vacation /veɪˈkeɪ.ʃən/, exposure /ɪkˈspəʊ.ʒə(ɹ)/, delicious /dɪˈlɪ.ʃəs/, destination /dɛstɪˈneɪʃən/
Parole lunghe — attenzione all’accento: millionaire /ˌmɪl.i.əˈnɛə(ɹ)/, necessarily /ˌnɛs.əˈsɛɹ.ə.li/, complicated /ˈkɑm.plɪˌkeɪ.tɪd/, psychology /saɪˈkɑ.lə.d͡ʒi/, destination /dɛstɪˈneɪʃən/

Come esercitarsi con questo video

Ascolta tutto il video una volta senza parlare e annota le parole che non conosci.
Inizia a velocità 0,75×, fai shadowing frase per frase e torna alla velocità normale quando diventa facile.
Registrati e confronta con l’originale, facendo attenzione a parole come invest, lifestyle, reward.

Cos'è la tecnica dello Shadowing?

Shadowing è una tecnica di apprendimento delle lingue supportata da studi scientifici, originariamente sviluppata per la formazione dei traduttori professionisti e resa popolare dal poliglotta Dr. Alexander Arguelles. Il metodo è semplice ma potente: ascolti un audio in inglese di madrelingua e lo ripeti immediatamente ad alta voce — come un'ombra che segue il parlante con un ritardo di solo 1–2 secondi. A differenza dell'ascolto passivo o degli esercizi di grammatica, lo shadowing costringe il tuo cervello e i muscoli della bocca a elaborare e riprodurre simultaneamente i modelli di discorso reale. La ricerca dimostra che migliora significativamente la precisione della pronuncia, l'intonazione, il ritmo, il discorso connesso, la comprensione dell'ascolto e la fluidità del parlato — rendendolo uno dei metodi più efficaci per la preparazione alla prova di speaking dell'IELTS e per la comunicazione reale in inglese.

Tecnica dello shadowing: leggi la guida completa passo dopo passo →

Pratica di Shadowing: 6 Unsexy Habits That Made Me A Millionaire - Impara a parlare inglese con i video

Scegli una modalità di pratica

Scarica l'app

MILLIONAIRE EXPLAINS: If I Started 2026 With $0, Here's My Exact Plan

$100M Investor Explains: How to Invest in 2026

05.a True Wealth - Effortless Business English

Asking Beverly Hills Locals How They Got Rich!

Rich vs Wealthy

Les 17 Habitudes Qui Te Rendront Riche en 2025 (plan d’action)

7 Books I Wish I Had Read Earlier

5 "BORING" Habits That Took Me From Broke to Millionaire

5 Money Rules Millionaire Women Know (That You Don’t)

How to Make Money So Fast It Feels Haram

How to become super wealthy #subscribe #shadowing

how to make an extra $4-5k every month around a busy schedule (FULL BREAKDOWN)

She Made Over $20 Million Doing THIS