シャドーイング練習: Why Even High Earners Are Living Paycheck To Paycheck - 動画で英語スピーキングを学ぶ

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For many Americans, work can feel like a hamster wheel.

No matter how hard they run, it never feels like enough.

Americans, on average, say they would need $520,000 a year to feel rich. And the more people earn, the more they say they need to feel comfortable.

Americans making under $50,000 felt they needed $157,000 a year to feel comfortable. Those making $100,000 or more said they would need $246,000.

When I was in middle school, a song came out called "Mo Money Mo Problems," and I think that that's true.

Your problems scale.

You still are dealing with a finite number every month.

Your worries, your anxiety, your budget scales to that.

You still are dealing with a ceiling.

About 14% of all U.S.

households make $200,000 or more every year.

But many of them, dubbed HENRYs or "High Earners, Not Rich Yet," still don't feel rich.

62% of people with salaries over $300,000 a year struggle with credit card debt.

Earning doesn't actually make you feel rich, spending it does.

If most people spent 99% of their paycheck, they'd feel quite rich.

And it's the paradox here: when we're in accumulation mode, it's very difficult to feel rich.

It can be pretty easy for someone to feel like, "I'm making really good money, but I don't have a lot of discretionary income." Earning more and feeling like you're still on a hamster wheel is what a lot of HENRYs experience.

And that's because they're not living within their means.

They may have been living above their means when they weren't nearly making as much money, and now they're just continuing to add more and more and more.

I earn $300,000 and I live in New York City.

I definitely don't feel rich. I feel very lucky.

I feel privileged, but I do not feel rich.

I could not stop working right now.

I have more money anxiety almost now than I ever did in my 20s.

I am on a hamster wheel and there's no question about it.

HENRYs often don't feel rich compared to others.

Many HENRYs are cash-rich and asset-poor.

So they're typically people under 40, they don't have childcare hours available, they're first-time homebuyers in the housing market, they're paying off student loans early, hopefully.

And their income usually hasn't hit a career peak, so they're very much in that "not rich yet" bucket, but they very well could be in the future.

Oh, I 100% feel like a HENRY.

Marie Incontrera was a professional composer, bandleader and pianist who started her virtual assistant business in 2016.

That year, I started to grow slowly, and I was suddenly earning more money than I had ever earned in my life, and I think the number was something like $35,000 by the end of the year. And I went, "Wow, this is really great.

I can grow this." She then expanded into a digital marketing consulting agency during the pandemic.

For the calendar year of 2025, we're just on track to make $1.4 million. We're hoping to get to $1.5 million or possibly even $1.6 million. I'm anticipating my owner's draw to be anywhere between $300,000 and $400,000.

I had a pretty successful career as a musician through most of my 20s.

The thing they don't tell you about having a career as a musician in music school is that you can be playing Carnegie Hall, which I was, and I was making $15,000 a year, and I didn't realize how much freedom money affords you.

Now that I see the kind of freedom that somebody who earns what I do or even more has, that's my goal.

That is absolutely what gets me out of bed in the morning.

A lot of the "High Earners, Not Rich Yet," they're first generation wealth. So they still take their wealth into perspective against their family members or others in their community, and they realize how well they're doing, so they don't take it for granted.

But I think what makes them feel not rich is we were told, "Once you make six figures, all your problems will go away.

You'll just have so much excess." And I think we know that narrative is not true anymore.

I would have thought back then that the amount of money that I have in the bank right now, I would be rich.

I would have just thought, "Oh, yeah, she's made it." And I don't feel that way.

I know that I am on a hamster wheel with my business.

I actually really love the hamster wheel, because I love what I do, but I also realize that I can't stop.

So, HENRYs often don't feel rich compared to others.

They work very hard for their money, but they also spend a lot more than the average person.

In a lot of ways, HENRYs may be victims of their zip codes.

$100,000 in LA is definitely very different than $100,000 in Iowa.

Someone makes $200,000 a year in LA.

They're going to probably take home $140,000ish.

Rent for a one-bedroom is going to be at least $3,000.

Their car payment is going to be $700.

Car insurance is going to be maybe $200 a month.

Gas is going to be $200 a month.

If you were to annualize that, that's $50,000 right there.

The remainder is for all the other things.

We haven't eaten yet, we haven't purchased groceries, we haven't paid for subscriptions to Amazon and Netflix, we haven't gone on vacation yet, we haven't purchased clothes yet.

It can whittle away your discretionary income if you're living in an area that has a high cost of living.

When my business started to grow, one of the first things that I started spending more money on right away was food, because I don't have time to cook.

I had more money than time and so I started eating Grubhub three meals a day most days. After that, it became rent because I hit $1 million a year in revenue and I said, "That's it. I'm moving to Manhattan." And so, my rent doubled and I suddenly was paying $4,000 in rent.

What is very worth it to me is to live where I want to live.

I was proud that I could live here.

For about a year, I would walk outside my apartment and just like, look around and just be like, "Oh my gosh, here I am." So that was lifestyle creep for me.

Lifestyle creep is the common phenomenon of spending a little more money as you earn more.

It can happen to anyone at any income.

Lifestyle creep can really sneak up on you.

You start earning more and then you decide, "Well, I can buy more things. I need a second car.

I need a bigger home. I need to go on this European vacation.

I deserve this European vacation because I work hard for my money." The problem is, if you're not continuing to increase your savings at the same time, you are putting your financial future in jeopardy.

That shift happens everywhere in our lives, from the small purchases to the really big ones: cars, houses, vacation.

And most of these expenses are fixed.

Lifestyle creep impacts almost all tax brackets, but it can take different forms.

One 2024 study found that when low and middle-income households were given an additional $1,000, no strings attached every month, their spending increased primarily on basic necessities such as food, transportation, and rent.

However, when higher income households were given the same $1,000, they increased spending on both necessities as well as discretionary expenses: like Marie did.

I spend more on my hair, I spend more on makeup, I get my lashes done, I get my nails done.

I think it's just something that comes with the territory.

Birds of a feather tend to flock together and their spending tends to be more aligned. If you make about $85,000, your friends probably also make about $85,000, so you're doing similar activities in the same economic bracket.

Once you have friends that are making $200,000 or $300,000 a year, your activities will change.

The restaurants that you will eat at will differ and change.

They're going to probably be a little bit more elevated.

Your vacations are going to be more elevated.

Your clothing is going to be more elevated.

It's not necessarily spending irresponsibly, but they're spending aligned with their friend group and their community. That's why a lot of them oftentimes don't feel rich because they're spending along with their friends.

Emotions are tied so tightly to what we do with our money.

It happens to everyone.

You get a raise, you're feeling great.

You deserve to go out to dinner and, in fact, you deserve to book that cruise.

But the reality is that money was supposed to be earmarked for a bump-up in your retirement savings, or money that you were going to put toward your child's education.

Or maybe you don't have an emergency fund, or at least not an adequate one, and the money should have gone there. When we allow ourselves to let our emotions overtake what we're doing with our money, we lose sight sometimes of what our goals are and how we have planned to meet them.

A HENRY will sometimes look to the mega-millionaires or the billionaires and wish that they had more, but it's really just that upwards comparison for more that keeps them stuck. More will never be enough at a certain point, and you have to decide what you have is ultimately enough and start appreciating all that you do have instead of fixating on all that you don't.

Experts say the best way for HENRYs to start to feel rich and to get off the hamster wheel is by budgeting and planning for the future.

You can't really figure out if you're rich yet, unless you know where you stand right now and where you want to go.

You need to know your net worth.

Doesn't matter how much money you have, it's not just for rich people. You have a net worth.

What you own, minus what you owe, is your net worth.

Everyone has one.

Yours may be negative at this point, but you have to figure out how to turn that around.

Once you know your net worth, then you can start to build on what are your goals, what do I want to have in terms of my retirement savings, in terms of savings for college, if you have children, in terms of emergency savings, in case anything happens, how secure will I be?

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Once you have significant emergency savings, enough to cover, say, six months of your expenses or more, you're going to start to feel rich. Surveys have shown that financial well-being is tied closely to emergency savings.

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And so, if you know that you're not going to have to whip out a credit card, that you're going to be able to pay for the roof that needs to be fixed or the car that breaks down, you're going to feel rich.

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I think wealth is often an emotional feeling.

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It's a mindset to feel truly secure and not to have to worry about finances at all. Feeling rich, it can feel much more about the bottom line and the dollar amount.

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So, one is more about the tangible number in your bank account and the other more is a feeling.

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Most people aspire to reach a level of wealth where they don't have to stress or worry about their finances, or even about the future generations to know that there's a cushion there.

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One of the things I focus on with my clients is a budget should be a representation of your values.

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The issue is you can't value everything.

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You have to prioritize it.

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And when people see the hard numbers of what they're spending on a monthly or annualized basis and they see, "Oh my gosh, I'm spending $5,000 a year eating out." I will ask the question, "Are you enjoying those meals at $5,000?

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Is it bringing you that much excitement and that much joy?" And most people will say, "No, Kamila, it's not. The food is okay.

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I'm doing it to be social." Well, we'll talk about other ways that you can be social without spending $5,000 a year eating out.

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You can't buy clothes consistently, travel consistently, eat out consistently.

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You have to pick maybe one or two things where you're going to focus your discretionary spending and then take that extra and reroute that to savings so you can start feeling rich.

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Spending gives this immediate dopamine fix, and seeing wealth in an account with numbers and commas often can be far more satisfying, though we don't realize it in the moment. It's almost like the difference between an exciting yet very toxic relationship versus a secure and stable long-term partner. I think the feeling of safety and the feeling that you can weather this long-term financial storm is far more satisfying, and we have to train ourselves to value that safety over the quick fix of a fancy car or a shiny new watch.

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My advice for somebody who's on the hamster wheel is understanding the trade-off. I could get off the hamster wheel at any time, and I know that. And I know that my circumstances may change.

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For right now, this is the answer for me.

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My advice to somebody who is feeling that anxiety is understand that this is a choice.

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There are trade-offs.

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What I have learned is that I have been very burned out and exhausted as a person who doesn't earn a lot of money, and I have been burned out and exhausted as a person who does earn a lot of money, and I would take being a person who's burned out and exhausted and has money any day of the week.

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I would rather do that than be burned out and tired and also worrying about my bills.

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このレッスンの語彙とスピーキングのポイント

このB2レベルのスピーキングレッスンは、動画「Why Even High Earners Are Living Paycheck To Paycheck」を教材にしています。繰り返し出てくる語は次のとおりです：rich, spending, Henry, feeling。この動画には、シャドーイング用の文が120文、単語が2329語あります。音声の長さは12:11です。話す速さは速く、1分あたり約191語です。音のつながりや弱く発音される音が多くなります。単語の84%は英語の頻出3,000語に含まれます。残りは練習の前に確認しておきましょう。

この動画の重要語彙

動画の中で特に難しい単語15語を、発音と意味つきで紹介します。

単語	発音	意味
hamster 名詞	/ˈhæm(p)stɚ/	ハムスター, 絹毛鼠
creep 動詞	/kɹiːp/	這う, 伝う
exhaust 動詞	/ɪɡˈzɔst/	使い尽くす, 尽くす
bracket 名詞	/ˈbɹækɪt/	括弧
necessity 名詞	/nɪˈsɛsəti/	必要性, 必然性
satisfy 動詞	/ˈsætɪsfaɪ/	満たす
musician 名詞	/mjuˈzɪʃən/	音楽家
cloth 名詞	/klɒθ/	布
emotion 名詞	/ɪˈməʊ.ʃən/	感情, 心緒
aspire 動詞	/əˈspaɪɚ/	希求する, 熱望する
childcare 名詞		保育所
dopamine 名詞	/ˈdoʊ.pəˌmin/	ドーパミン
excite 動詞	/ɪkˈsaɪt/	興奮させる
overtake 動詞	/əʊ̯vəːˈteɪ̯k/	追い越す
pianist 名詞	/ˈpi.ənɪst/	ピアニスト

動画に出てくる句動詞

単語	発音	意味
get off 動詞		降りる
come out 動詞	/ˌkʌm ˈaʊt/	出る
go away 動詞		去る, 出る
look around 動詞		見回す
pay off 動詞		報われる

繰り返し練習したい文

動画に出てくる短く完結した文です。日常会話でそのまま使えます。

I definitely don't feel rich.
You get a raise, you're feeling great.
The issue is you can't value everything.

この動画の文法

話し手がよく使っている文型を、動画の実際の表現とともに紹介します。

文型	動画での表現
受動態 be + 過去分詞 — 誰がするかより、何が起きるかに焦点を当てる	were told · are fixed · were given
現在完了形 have/has + 過去分詞 — 過去の出来事が今も関係している	hasn't hit · haven't eaten · have planned
関係詞節 who / which + 節 — 人や物について情報を加える	somebody who earns · somebody who is · person who doesn

注意したい発音

話し手はdon't, they're, you'reなど、短縮形や弱形を66回使っています。聞こえたとおりの短い形で発音しましょう。

「th」の音: cloth /klɒθ/, feather /ˈfɛðə/
「sh」と「zh」の音: discretionary /dɪsˈkɹɛʃəˌnɛɹi/, gosh /ɡɑːʃ/, musician /mjuˈzɪʃən/, emotion /ɪˈməʊ.ʃən/, cushion /ˈkʊʃən/
長い単語（アクセントの位置に注意）: discretionary /dɪsˈkɹɛʃəˌnɛɹi/, necessity /nɪˈsɛsəti/, irresponsibly /ˌɪ.ɹɪˈspɑːn.sə.bli/, prioritize /pɹaɪˈɒɹ.ə.taɪz/, accumulation /əˌkjuːm.jəˈleɪ.ʃən/

日本語話者が苦手な音：

/r/ と /l/ の区別 — /l/ は舌先を歯茎につけ、/r/ はどこにもつけない: irresponsibly /ˌɪ.ɹɪˈspɑːn.sə.bli/, millionaire /ˌmɪl.i.əˈnɛə(ɹ)/, privilege /ˈpɹɪv.(ɪ.)lɪd͡ʒ/
/v/ — /b/ にならないように、上の歯を下唇に当てる: elevate /ˈɛləveɪt/, overtake /əʊ̯vəːˈteɪ̯k/, privilege /ˈpɹɪv.(ɪ.)lɪd͡ʒ/
/f/ — 「フ」ではなく、上の歯と下唇で出す: satisfy /ˈsætɪsfaɪ/, fixate /ˈfɪkseɪt/, oftentimes /ˈɔf.ənˌtaɪmz/, flock /flɑk/, feather /ˈfɛðə/

この動画での練習方法

まず声を出さずに動画を最後まで聞き、知らない単語をメモします。
まず0.75倍速で一文ずつシャドーイングし、慣れてきたら通常の速度に戻します。
自分の声を録音して元の音声と比べます。hamster, creep, exhaustなどの単語に特に注意しましょう。

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。

シャドーイングのやり方: ステップ別の完全ガイドを読む →

シャドーイング練習: Why Even High Earners Are Living Paycheck To Paycheck - 動画で英語スピーキングを学ぶ

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