シャドーイング練習: 8 TINY Habits to Become Financially Literate In 2026 - YouTubeで英語スピーキングを学ぶ
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Seven years ago, I thought I was pretty good with money.
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Seven years ago, I thought I was pretty good with money.
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I had a finance degree,
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I had worked in banking for a few years by then,
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I could calculate compound interest in my sleep.
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But here's the thing, being financially educated and being financially literate are two completely different things.
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And the truth is, most of these habits that made the biggest difference in my financial life weren't complicated at all.
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They were simple, they were small changes that compounded over time.
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So in this video, I wanted to share with you easy habits that will make you outrageously financially literate in 2026.
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These aren't things that require a finance degree or hours of your time.
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They're just practical, actionable habits that anyone can start today.
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Let's dive in.
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Number one, match your money with your priorities.
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This is probably the most important habit on the list.
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And it's something that I wish I did earlier
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because for years I was spending money on things that didn't really actually matter to me.
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I buy clothes I never really wore because I thought that was the right thing to do.
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I'd go out for expensive dinners because everyone else was doing it.
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I'd spend money on things that I barely used because I thought I should be enjoying it.
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But here's the thing, your money should reflect what you actually care about.
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You work hard for your money,
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so you should be using it on what you care about,
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not what you think you should care about or not what you think others care about.
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I did this exercise where I wrote down my top five priorities in life,
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which included spending quality time with closest people,
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staying healthy, learning new skills and having financial freedom.
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And then I looked at where my money was actually going and there was a massive disconnect.
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I was spending so much money on things
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that didn't align with my priorities and wasn't investing any money in the things that mattered most to me.
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So I flipped the script.
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I started directing my money towards my priorities.
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More money went into books,
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learning, education, better quality food for my health,
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more money being spent towards fitness,
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investments for my financial freedom.
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And weirdly, I felt richer even though I was spending the same amount of money.
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So here's what you can do.
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Write down your top five priorities,
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then look at your bank statement from the last 30 days and see where your money is actually going.
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I promise you there is very likely going to be a gap and closing that gap is really,
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in my opinion, where financial literacy starts.
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Number two, do a monthly money date.
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This, when I implemented, was a game changer and it's probably the easiest habit to implement on this entire list.
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Once a month, block out 30 minutes in your calendar for a money date.
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Just you, your laptop, your bank statements,
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no distractions, no phone, just a focused look at your finances.
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During this time, I do three things.
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First, I review my spending from the last 30 days.
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Where did my money go?
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What patterns am I noticing?
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Are there any surprises?
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Second, I check in on my progress towards my financial goals.
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Third, and this is the most important part,
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set one focus for the next month.
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Don't set 10 goals.
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Don't create some massive financial overhaul plan.
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Just pick one thing, one simple achievable focus that you can do for the next 30 days.
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It could be save an extra 200 this month.
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It could be increase my investing by 1%.
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It could be reduce my spend on takeaway by 20%.
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Just one thing because when you try to change everything at once,
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you get overwhelmed, you change nothing.
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But if you just have one clear focus,
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you're way more likely to actually do it.
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So 30 days, your brain isn't overwhelmed trying to juggle multiple financial goals,
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just have one target to hit.
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Next one on this list is automate the basics.
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Automate, automate, automate everything that you know is recurring.
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Because let's be honest, remembering to transfer money into your savings account,
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making sure your bills get paid manually on time,
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staying on top of or your subscriptions, that is boring.
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And when something's boring, we forget to do it.
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So here's what you want to automate.
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Your outgoings and fixed expenses,
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they leave automatically after payday.
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Money automatically leaves from your main account into a separate savings account every single month.
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Your ongoing subscriptions for basic stuff like tissue rolls,
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skincare, things that you recurrently pay for,
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put that on as automations.
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Before I automated everything, I had these great intentions and then life would happen and by the end of the month,
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there'll be nothing left.
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automating removes willpower from the equation you're making the decision once right now to set up
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that automation to set up that system
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and then you could forget about it forever and the beautiful part is
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that it completely frees up your mental space you're not constantly
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thinking oh did i transfer my money did i pay
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that bill when's that bill due you just start small automate one thing this week
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and see how much of a relief it can give you next one start investing with small amounts early on.
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Starting early with what you can is one of the biggest drivers of long-term wealth there is.
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The earlier you can do it, the better.
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Start with low-cost index funds that track entire markets.
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It is almost impossible to go wrong this way.
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In fact, I won't go into much detail here
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because I have a completely free workshop which explains this in so much more detail.
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It's coming up on 11th of January.
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You can sign up completely for free, nisha.me forward slash invest.
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I'm going to walk you through what to invest in and how to choose,
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how to accelerate your investment returns over time,
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the single biggest mistake new investors make and how to avoid it,
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how to calculate what you need to eventually live off your investments,
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and so much more.
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Again, it's 100% free.
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You can sign up at nichia.me forward slash invest before doors close.
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If your goal is to invest this year,
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you will leave feeling a lot more confident about how to get started.
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Next one on this list,
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take one learning and implement it that day.
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Whenever you watch a YouTube video like this,
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whenever you read in an article,
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whenever you listen to a podcast about money,
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pick one thing, just one thing,
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and implement it that day.
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Maybe you learn about a new savings account with better interest rate.
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So before that day ends, open that account.
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Maybe you hear about a budgeting technique that sounds pretty useful and aligned to your way of budgeting.
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That evening, set it up.
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Maybe someone mentions a particular investment strategy.
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Spend 20 minutes on that day researching it and deciding if it's right for you.
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Because the thing is, most people consume a ton of financial content for months,
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if not years, but never actually do anything with that information.
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They feel good because they watch videos,
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they nod along, they think that's a great idea, I'm learning a lot.
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And then they move on with their day and nothing actually changes.
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But when you force yourself to implement one thing immediately,
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that's what's going to put you ahead that's where real progress really happens.
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You're not actually just passively absorbing information,
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you're actively building towards your financial life one step and one action at a time.
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It doesn't have to be some massive change.
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It could be as simple as just checking your credit score
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that day as updating your CV because that's an investment in your future earnings.
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It could be as simple as increasing your contributions to your workplace pension by one percent.
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Small actions done consistently are what creates outrageously good financial literacy and good financial habits.
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Then don't hide away from speaking about money.
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I used to be so uncomfortable talking about money,
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whether it was friends, whether it was family,
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whether it was with my partner,
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the topic just felt really awkward and taboo.
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Like there was this unspoken rule that we shouldn't discuss it because it's really,
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really private and personal.
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But here's the reality.
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62% of Americans don't talk about money with family or friends.
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And that is wild to me because the same research shows
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that 66% of people believe
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that having candid conversations about money is actually key to achieving financial freedom and to building generational wealth.
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So there's this massive disconnect.
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We know talking about money is important.
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We know that it's going to have an impact on our long-term wealth,
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but we're all too uncomfortable to actually do it.
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And I had to push past this,
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but it made such a difference.
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I started having real conversations about money with people I trust,
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not in a showy off way or in a competitive way,
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but in a genuine learning focused collaborative way.
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I'd ask friends, what are they investing in?
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I'll talk to my partner about our financial goals and how much we're earning very,
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very openly about how we're working towards them.
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I'd ask people I trusted at work about how our salaries compared.
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And what you'd find is
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that a lot of people are actually really open to talk about money if you can give the same back.
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And also if you approach it in the right way,
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because everyone has questions.
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Everyone has made mistakes.
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Everyone wants to learn.
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So start small.
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And next time you're with a friend,
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just try a casual opener.
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Like I've been thinking about my budget lately.
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How do you go about managing yours or what app do you use?
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You don't have to share the exact numbers if that feels uncomfortable,
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but just start the conversation.
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The more you talk about money,
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the less scary and alone it feels.
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And the more you learn from other people's experiences,
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other people's strategies, other people's mistakes,
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the faster you can progress in your own financial journey.
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Number seven, reframe your mind for long-term gratification.
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This one's a bit different because it's more of a mindset shift than a specific action,
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but it's absolutely essential.
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It's a foundation for financial literacy.
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We live in a world of instant gratification.
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Want something?
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You could order it now.
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If you're hungry, you can get your food delivered in 20 minutes.
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If you're bored, there's endless entertainment at your fingertips.
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Building wealth, on the other hand, is the exact opposite.
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Financial success is about playing the long game.
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It's about making choices today that your future self in maybe 5,
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10, 20 years will thank you for.
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When I first started investing,
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it was so hard to see money leave my account every month,
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knowing that I shouldn't be touching that for years, if not decades.
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It's not really doing much in the short term,
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but I'm missing out on spending it today.
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My brain was just screaming,
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but you could use that money now for something a lot more fun.
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So I had to actively reframe how I thought about delayed gratification.
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Instead of seeing it as a sacrifice,
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I started seeing it as a gift to my future self.
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every pound, every dollar that I invest now,
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that's buying me more freedom, more options, more security.
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Every time I skip an impulse purchase and save that money instead,
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I'm literally paying my future self.
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And here's a trick that helped me when I first started.
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I would visualize my future self,
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not in some like vague or abstract way,
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but just really thinking about who I wanted to be
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and the life that I wanted to live in five years from
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that day and 10 years from that day and what does
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that version of me need what does she thank me for doing today
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and when you think about it like
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that suddenly saying no to things in the short term
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and putting it towards your future self instead doesn't really feel
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like deprivation it almost feels like an act of self-love
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and putting yourself first long-term gratification isn't about suffering now to enjoy later it's about recognizing
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that your future self is just as important as your present self and you want to make choices that honor both.
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Next one, spend money on a skill.
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This is one of those habits that feels like spending,
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but it's actually investing.
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For years, I was actually very,
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very hesitant to spend on my learning and education more than I needed to.
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I was hesitant to spend money on courses,
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on anything that felt like learning because I always thought to myself,
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why would I pay for a course
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if I could just spend my time consuming the free content on YouTube and do it myself,
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which is a fair point.
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But what I realized is that the best investment you can ever make actually isn't in stocks.
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It isn't in property.
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It is in yourself.
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It's in your skills.
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It's in your knowledge.
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It's in your capabilities.
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In fact, a big problem I used to face in my business was sending and receiving invoices on time.
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Not only collecting them, but checking the dates, extracting amounts, adding descriptions.
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It felt like this endless admin loop that I could never get on top of.
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Eventually, I came to the conclusion that there had to be an AI solution to help with this.
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But I had no idea how to build it.
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So instead of spending more time trying to figure this out,
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I went to our sponsor,
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Fiverr Pro, posted exactly what I needed and hired an AI specialist.
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By the end of that week,
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I had an AI agent built.
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Now it collects my invoices,
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it scans them, it pulls out the dates,
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amounts, descriptions and adds everything into an Excel sheet with a payment completed checkbox.
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The whole headache was fixed within one week and now the process is streamlined.
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If you need something complex done,
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Fiverr Pro's vetted experts can help.
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Fiverr Pro has become my go-to support when I need reliable, high-quality work fast.
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If you want to see how much time you can save,
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head to pro.fiverr.com and get started.
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Every skill that you develop has the potential to increase your earning power forever.
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If you spend one-off $500 on a course that teaches you a skill that helps you earn an extra $1,000 a year,
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that isn't an expense.
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That's 200% return in year one.
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And then it keeps compounding after that.
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I mean, I've spent money on video editing courses,
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on writing courses, on how to start a business course.
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Some of these directly increased my income.
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Others just made me better at what I do,
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but all of them were worth it.
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And it doesn't have to be expensive.
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Sometimes just a book that completely changes how you think about something.
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Sometimes it's just a $39 online course that can completely change your mindset.
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Sometimes it's hiring someone specific for an hour to teach you a specific skill.
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The key is about being intentional about it.
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Don't just randomly buy stuff and then never really complete those courses
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or read those books and let it collect dust on your shelf.
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Pick skills that actually matter for where you want to go.
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Skills that genuinely move the needle for your career,
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for your business, for your growth.
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So my rule is simple.
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I'm willing to spend money on learning as long as I can clearly articulate how that skill will benefit me.
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If I can't explain it, I don't buy it.
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At the end of the day,
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the skills you develop is the only thing that can't be taken away from you.
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Because economies can crash, your investments can drop for a bit, companies can fail.
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But that knowledge and those skills that you've built,
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that is literally yours to keep.
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So those are some really easy habits that you can start today to improve your financial literacy.
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Once you put your mind to it,
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it really isn't as hard as you might think.
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It's just about getting started and learning as you're going.
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so as we wrap up for the year i'd like to say thank you
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so much for supporting me over the past year however long
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you've been watching my content thank you for liking my stuff
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for subscribing for commenting the whole lot um 2025 has literally been one of my favorite years ever
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and a lot of that has come down to the community
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that we have built on youtube the comments i'm reading the interactions i have
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when i see some of you and if you are someone who's watching this
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and thinking I know that there's more out there for me.
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I know that there's a bigger version of life than the one
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that I'm currently living and it requires me to make some new decisions with money.
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Please, please, please listen to that voice and take action on it.
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Align your money with your life goals.
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Make some short-term sacrifices.
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Work hard now because making a few hard decisions today can actually mean you play for the rest of your life.
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Getting your money in check and using it towards your priorities and your values can really change the quality of your life.
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So on that note, it's been an absolute pleasure to have done this year with this community.
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Thank you and I hope you have the time to recharge over the break and I'll see you in the new year.
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この動画で話す練習をする理由は？
「8つの小さな習慣で2026年までに財務リテラシーを身につける」というこの動画は、英語を学ぶことにとって非常に役立ちます。まず、英語での財務リテラシーに関連する語彙や表現を学ぶことで、経済に関する会話を深めることができます。また、この動画を通じて、実際の生活場面でよく使われる言い回しやフレーズを身につけることができるため、自然な流れで英語を話せるようになります。YouTubeで英語学習を進める上で、こうした具体的なコンテキストの理解は非常に重要です。特に、英語シャドーイングを行うことで、発音やリズムの改善にもつながります。
文法と表現のコンテキスト
- 財務リテラシー（financial literacy） - 経済についての基礎的な理解を示すために使われるこの表現は、英語圏でも頻繁に使用されます。
- 私が思ったこと（what I thought） - このような表現は、自分の考えを共有したり、意見を表現する際に非常に便利です。
- 実際にお金がどこに行っているのか（where my money is actually going） - 具体的な状況を示すこのフレーズは、財務管理において重要です。
- 私はこれを実行しました（I implemented this） - 過去の行動を振り返ることで、学びを深める表現です。
一般的な発音の落とし穴
この動画で注意すべき発音のポイントは、特にフレーズや新しい語彙に関連する部分です。例えば、「financial（ファイナンシャル）」という言葉は、時に母音の発音が難しいことがありますので、何度も繰り返し練習することが重要です。また、「decisions（ディシジョンズ）」や「habits（ハビッツ）」といった単語は、正しい音で発音することで他の人とのコミュニケーションが円滑になるため、特に意識して練習しましょう。このように、英語の発音を良くすることで、より自然に話せるようになります。英語の発音を改善し、動画で学んだ内容を効果的に活かすためにも、英語シャドーイングが役立つでしょう。
シャドーイングとは？英語上達に効果的な理由
シャドーイング（Shadowing）は、もともとプロの通訳者養成プログラムで開発された言語学習法で、多言語習得者として知られるDr. Alexander Arguelles によって広く普及されました。方法はシンプルですが非常に効果的：ネイティブスピーカーの英語を聞きながら、1〜2秒の遅延で声に出してすぐに繰り返す——まるで「影（shadow）」のように話者を追いかけます。文法ドリルや受動的なリスニングと異なり、シャドーイングは脳と口の筋肉が同時にリアルタイムで英語を処理・再現することを強制します。研究により、発音精度、抑揚、リズム、連音、リスニング力、そして会話の流暢さが大幅に向上することが確認されています。IELTSスピーキング対策や自然な英語コミュニケーションを目指す方に特におすすめです。