쉐도잉 연습: 8 TINY Habits to Become Financially Literate In 2026 - 영상으로 영어 말하기 배우기
연습 모드 선택
각 모드는 전체 화면 연습실로 열립니다.
298 문장
문장이 너무 짧거나 길면 Edit를 눌러 조정하세요.
1
Seven years ago, I thought I was pretty good with money.
2
I had a finance degree,
3
I had worked in banking for a few years by then,
4
I could calculate compound interest in my sleep.
5
But here's the thing, being financially educated and being financially literate are two completely different things.
6
And the truth is, most of these habits that made the biggest difference in my financial life weren't complicated at all.
7
They were simple, they were small changes that compounded over time.
8
So in this video, I wanted to share with you easy habits that will make you outrageously financially literate in 2026.
9
These aren't things that require a finance degree or hours of your time.
10
They're just practical, actionable habits that anyone can start today.
11
Let's dive in.
12
Number one, match your money with your priorities.
13
This is probably the most important habit on the list.
14
And it's something that I wish I did earlier
15
because for years I was spending money on things that didn't really actually matter to me.
16
I buy clothes I never really wore because I thought that was the right thing to do.
17
I'd go out for expensive dinners because everyone else was doing it.
18
I'd spend money on things that I barely used because I thought I should be enjoying it.
19
But here's the thing, your money should reflect what you actually care about.
20
You work hard for your money,
21
so you should be using it on what you care about,
22
not what you think you should care about or not what you think others care about.
23
I did this exercise where I wrote down my top five priorities in life,
24
which included spending quality time with closest people,
25
staying healthy, learning new skills and having financial freedom.
26
And then I looked at where my money was actually going and there was a massive disconnect.
27
I was spending so much money on things
28
that didn't align with my priorities and wasn't investing any money in the things that mattered most to me.
29
So I flipped the script.
30
I started directing my money towards my priorities.
31
More money went into books,
32
learning, education, better quality food for my health,
33
more money being spent towards fitness,
34
investments for my financial freedom.
35
And weirdly, I felt richer even though I was spending the same amount of money.
36
So here's what you can do.
37
Write down your top five priorities,
38
then look at your bank statement from the last 30 days and see where your money is actually going.
39
I promise you there is very likely going to be a gap and closing that gap is really,
40
in my opinion, where financial literacy starts.
41
Number two, do a monthly money date.
42
This, when I implemented, was a game changer and it's probably the easiest habit to implement on this entire list.
43
Once a month, block out 30 minutes in your calendar for a money date.
44
Just you, your laptop, your bank statements,
45
no distractions, no phone, just a focused look at your finances.
46
During this time, I do three things.
47
First, I review my spending from the last 30 days.
48
Where did my money go?
49
What patterns am I noticing?
50
Are there any surprises?
51
Second, I check in on my progress towards my financial goals.
52
Third, and this is the most important part,
53
set one focus for the next month.
54
Don't set 10 goals.
55
Don't create some massive financial overhaul plan.
56
Just pick one thing, one simple achievable focus that you can do for the next 30 days.
57
It could be save an extra 200 this month.
58
It could be increase my investing by 1%.
59
It could be reduce my spend on takeaway by 20%.
60
Just one thing because when you try to change everything at once,
61
you get overwhelmed, you change nothing.
62
But if you just have one clear focus,
63
you're way more likely to actually do it.
64
So 30 days, your brain isn't overwhelmed trying to juggle multiple financial goals,
65
just have one target to hit.
66
Next one on this list is automate the basics.
67
Automate, automate, automate everything that you know is recurring.
68
Because let's be honest, remembering to transfer money into your savings account,
69
making sure your bills get paid manually on time,
70
staying on top of or your subscriptions, that is boring.
71
And when something's boring, we forget to do it.
72
So here's what you want to automate.
73
Your outgoings and fixed expenses,
74
they leave automatically after payday.
75
Money automatically leaves from your main account into a separate savings account every single month.
76
Your ongoing subscriptions for basic stuff like tissue rolls,
77
skincare, things that you recurrently pay for,
78
put that on as automations.
79
Before I automated everything, I had these great intentions and then life would happen and by the end of the month,
80
there'll be nothing left.
81
automating removes willpower from the equation you're making the decision once right now to set up
82
that automation to set up that system
83
and then you could forget about it forever and the beautiful part is
84
that it completely frees up your mental space you're not constantly
85
thinking oh did i transfer my money did i pay
86
that bill when's that bill due you just start small automate one thing this week
87
and see how much of a relief it can give you next one start investing with small amounts early on.
88
Starting early with what you can is one of the biggest drivers of long-term wealth there is.
89
The earlier you can do it, the better.
90
Start with low-cost index funds that track entire markets.
91
It is almost impossible to go wrong this way.
92
In fact, I won't go into much detail here
93
because I have a completely free workshop which explains this in so much more detail.
94
It's coming up on 11th of January.
95
You can sign up completely for free, nisha.me forward slash invest.
96
I'm going to walk you through what to invest in and how to choose,
97
how to accelerate your investment returns over time,
98
the single biggest mistake new investors make and how to avoid it,
99
how to calculate what you need to eventually live off your investments,
100
and so much more.
101
Again, it's 100% free.
102
You can sign up at nichia.me forward slash invest before doors close.
103
If your goal is to invest this year,
104
you will leave feeling a lot more confident about how to get started.
105
Next one on this list,
106
take one learning and implement it that day.
107
Whenever you watch a YouTube video like this,
108
whenever you read in an article,
109
whenever you listen to a podcast about money,
110
pick one thing, just one thing,
111
and implement it that day.
112
Maybe you learn about a new savings account with better interest rate.
113
So before that day ends, open that account.
114
Maybe you hear about a budgeting technique that sounds pretty useful and aligned to your way of budgeting.
115
That evening, set it up.
116
Maybe someone mentions a particular investment strategy.
117
Spend 20 minutes on that day researching it and deciding if it's right for you.
118
Because the thing is, most people consume a ton of financial content for months,
119
if not years, but never actually do anything with that information.
120
They feel good because they watch videos,
121
they nod along, they think that's a great idea, I'm learning a lot.
122
And then they move on with their day and nothing actually changes.
123
But when you force yourself to implement one thing immediately,
124
that's what's going to put you ahead that's where real progress really happens.
125
You're not actually just passively absorbing information,
126
you're actively building towards your financial life one step and one action at a time.
127
It doesn't have to be some massive change.
128
It could be as simple as just checking your credit score
129
that day as updating your CV because that's an investment in your future earnings.
130
It could be as simple as increasing your contributions to your workplace pension by one percent.
131
Small actions done consistently are what creates outrageously good financial literacy and good financial habits.
132
Then don't hide away from speaking about money.
133
I used to be so uncomfortable talking about money,
134
whether it was friends, whether it was family,
135
whether it was with my partner,
136
the topic just felt really awkward and taboo.
137
Like there was this unspoken rule that we shouldn't discuss it because it's really,
138
really private and personal.
139
But here's the reality.
140
62% of Americans don't talk about money with family or friends.
141
And that is wild to me because the same research shows
142
that 66% of people believe
143
that having candid conversations about money is actually key to achieving financial freedom and to building generational wealth.
144
So there's this massive disconnect.
145
We know talking about money is important.
146
We know that it's going to have an impact on our long-term wealth,
147
but we're all too uncomfortable to actually do it.
148
And I had to push past this,
149
but it made such a difference.
150
I started having real conversations about money with people I trust,
151
not in a showy off way or in a competitive way,
152
but in a genuine learning focused collaborative way.
153
I'd ask friends, what are they investing in?
154
I'll talk to my partner about our financial goals and how much we're earning very,
155
very openly about how we're working towards them.
156
I'd ask people I trusted at work about how our salaries compared.
157
And what you'd find is
158
that a lot of people are actually really open to talk about money if you can give the same back.
159
And also if you approach it in the right way,
160
because everyone has questions.
161
Everyone has made mistakes.
162
Everyone wants to learn.
163
So start small.
164
And next time you're with a friend,
165
just try a casual opener.
166
Like I've been thinking about my budget lately.
167
How do you go about managing yours or what app do you use?
168
You don't have to share the exact numbers if that feels uncomfortable,
169
but just start the conversation.
170
The more you talk about money,
171
the less scary and alone it feels.
172
And the more you learn from other people's experiences,
173
other people's strategies, other people's mistakes,
174
the faster you can progress in your own financial journey.
175
Number seven, reframe your mind for long-term gratification.
176
This one's a bit different because it's more of a mindset shift than a specific action,
177
but it's absolutely essential.
178
It's a foundation for financial literacy.
179
We live in a world of instant gratification.
180
Want something?
181
You could order it now.
182
If you're hungry, you can get your food delivered in 20 minutes.
183
If you're bored, there's endless entertainment at your fingertips.
184
Building wealth, on the other hand, is the exact opposite.
185
Financial success is about playing the long game.
186
It's about making choices today that your future self in maybe 5,
187
10, 20 years will thank you for.
188
When I first started investing,
189
it was so hard to see money leave my account every month,
190
knowing that I shouldn't be touching that for years, if not decades.
191
It's not really doing much in the short term,
192
but I'm missing out on spending it today.
193
My brain was just screaming,
194
but you could use that money now for something a lot more fun.
195
So I had to actively reframe how I thought about delayed gratification.
196
Instead of seeing it as a sacrifice,
197
I started seeing it as a gift to my future self.
198
every pound, every dollar that I invest now,
199
that's buying me more freedom, more options, more security.
200
Every time I skip an impulse purchase and save that money instead,
201
I'm literally paying my future self.
202
And here's a trick that helped me when I first started.
203
I would visualize my future self,
204
not in some like vague or abstract way,
205
but just really thinking about who I wanted to be
206
and the life that I wanted to live in five years from
207
that day and 10 years from that day and what does
208
that version of me need what does she thank me for doing today
209
and when you think about it like
210
that suddenly saying no to things in the short term
211
and putting it towards your future self instead doesn't really feel
212
like deprivation it almost feels like an act of self-love
213
and putting yourself first long-term gratification isn't about suffering now to enjoy later it's about recognizing
214
that your future self is just as important as your present self and you want to make choices that honor both.
215
Next one, spend money on a skill.
216
This is one of those habits that feels like spending,
217
but it's actually investing.
218
For years, I was actually very,
219
very hesitant to spend on my learning and education more than I needed to.
220
I was hesitant to spend money on courses,
221
on anything that felt like learning because I always thought to myself,
222
why would I pay for a course
223
if I could just spend my time consuming the free content on YouTube and do it myself,
224
which is a fair point.
225
But what I realized is that the best investment you can ever make actually isn't in stocks.
226
It isn't in property.
227
It is in yourself.
228
It's in your skills.
229
It's in your knowledge.
230
It's in your capabilities.
231
In fact, a big problem I used to face in my business was sending and receiving invoices on time.
232
Not only collecting them, but checking the dates, extracting amounts, adding descriptions.
233
It felt like this endless admin loop that I could never get on top of.
234
Eventually, I came to the conclusion that there had to be an AI solution to help with this.
235
But I had no idea how to build it.
236
So instead of spending more time trying to figure this out,
237
I went to our sponsor,
238
Fiverr Pro, posted exactly what I needed and hired an AI specialist.
239
By the end of that week,
240
I had an AI agent built.
241
Now it collects my invoices,
242
it scans them, it pulls out the dates,
243
amounts, descriptions and adds everything into an Excel sheet with a payment completed checkbox.
244
The whole headache was fixed within one week and now the process is streamlined.
245
If you need something complex done,
246
Fiverr Pro's vetted experts can help.
247
Fiverr Pro has become my go-to support when I need reliable, high-quality work fast.
248
If you want to see how much time you can save,
249
head to pro.fiverr.com and get started.
250
Every skill that you develop has the potential to increase your earning power forever.
251
If you spend one-off $500 on a course that teaches you a skill that helps you earn an extra $1,000 a year,
252
that isn't an expense.
253
That's 200% return in year one.
254
And then it keeps compounding after that.
255
I mean, I've spent money on video editing courses,
256
on writing courses, on how to start a business course.
257
Some of these directly increased my income.
258
Others just made me better at what I do,
259
but all of them were worth it.
260
And it doesn't have to be expensive.
261
Sometimes just a book that completely changes how you think about something.
262
Sometimes it's just a $39 online course that can completely change your mindset.
263
Sometimes it's hiring someone specific for an hour to teach you a specific skill.
264
The key is about being intentional about it.
265
Don't just randomly buy stuff and then never really complete those courses
266
or read those books and let it collect dust on your shelf.
267
Pick skills that actually matter for where you want to go.
268
Skills that genuinely move the needle for your career,
269
for your business, for your growth.
270
So my rule is simple.
271
I'm willing to spend money on learning as long as I can clearly articulate how that skill will benefit me.
272
If I can't explain it, I don't buy it.
273
At the end of the day,
274
the skills you develop is the only thing that can't be taken away from you.
275
Because economies can crash, your investments can drop for a bit, companies can fail.
276
But that knowledge and those skills that you've built,
277
that is literally yours to keep.
278
So those are some really easy habits that you can start today to improve your financial literacy.
279
Once you put your mind to it,
280
it really isn't as hard as you might think.
281
It's just about getting started and learning as you're going.
282
so as we wrap up for the year i'd like to say thank you
283
so much for supporting me over the past year however long
284
you've been watching my content thank you for liking my stuff
285
for subscribing for commenting the whole lot um 2025 has literally been one of my favorite years ever
286
and a lot of that has come down to the community
287
that we have built on youtube the comments i'm reading the interactions i have
288
when i see some of you and if you are someone who's watching this
289
and thinking I know that there's more out there for me.
290
I know that there's a bigger version of life than the one
291
that I'm currently living and it requires me to make some new decisions with money.
292
Please, please, please listen to that voice and take action on it.
293
Align your money with your life goals.
294
Make some short-term sacrifices.
295
Work hard now because making a few hard decisions today can actually mean you play for the rest of your life.
296
Getting your money in check and using it towards your priorities and your values can really change the quality of your life.
297
So on that note, it's been an absolute pleasure to have done this year with this community.
298
Thank you and I hope you have the time to recharge over the break and I'll see you in the new year.
앱 다운로드
유창하게 말하는 데 필요한 모든 것
AI 발음 평가문장마다 점수 확인
IPA 발음 연습모든 소리 마스터
단어 학습나만의 단어장 만들기
단어 게임놀면서 외우기
같은 채널
FOR YOU
추천 영상
C11
272 문장
The Cost of Getting Rich
British AccentBusiness EnglishUniversity StudentsWorking Adults
B23
105 문장
Japanese Frugal Habits to save you thousands in 2026 💸
Business EnglishUniversity StudentsWorking Adults
B29
228 문장
7 Habits of Top 1% Women
British AccentBusiness EnglishDaily ConversationUniversity Students
C11
267 문장
How to Feel Rich When Your Bank Account Doesn't Agree Yet
Business EnglishUniversity StudentsWorking Adults
B24
294 문장
Why You’re Not Financially Free (Yet)
British AccentBusiness EnglishUniversity StudentsWorking Adults
C110
288 문장
How to Not Waste Your Life (before it's too late)
British AccentBusiness EnglishUniversity StudentsWorking Adults
B222
449 문장
How to Get Rich (without the ick)
British AccentBusiness EnglishDaily ConversationUniversity Students
B25
223 문장
7 Tiny Micro Habits That will *ACTUALLY* change your life
British AccentBusiness EnglishDaily ConversationUniversity Students
B23
268 문장
3 Things That Feel Like Progress But Aren't
British AccentBusiness EnglishDaily ConversationUniversity Students
B22
196 문장
The 50-Cent-a-Day Habit That Really CAN Build Wealth
Business EnglishInterview EnglishUniversity Students
B28
31 문장
English shadowing | Personal Finance Management | Level B2 | How to improve English
Business EnglishUniversity StudentsWorking Adults
B24
158 문장
Brian Tracy’s Speech Will Leave You SPEECHLESS — Best Life Advice
Business EnglishUniversity StudentsWorking Adults
왜 이 비디오로 말하기 연습을 해야 할까요?
이 비디오는 2026년까지 재정적으로 식견을 쌓는 데 필요한 습관을 소개합니다. 이런 내용을 바탕으로 영어 회화 연습을 하면 실생활에서 금융 관련 대화를 쉽게 나눌 수 있는 능력을 기를 수 있습니다. 재정 관리와 관련된 주제를 이야기하면서 배운 표현들은 IELTS 스피킹 시험에서도 유용하게 쓰일 수 있습니다. 또한, 이 비디오의 내용을 통해 실제적인 대화 맥락에서 유용한 단어와 구문을 익히게 됩니다.
문맥 속의 문법 및 표현
비디오에서는 여러 중요한 문법 구조와 표현들이 사용됩니다. 다음은 그 예시입니다:
- match your money with your priorities: 이 표현은 자신의 재정을 개인적인 우선순위와 일치시켜야 한다는 메시지를 전달합니다.
- spending money on things that didn't really matter: 현재 자신의 소비패턴을 반성하면서 쓸모없는 지출을 줄이자는 의미를 담고 있습니다.
- write down my top five priorities: 자신의 삶의 우선순위를 명확하게 정리하는 것이 중요하다는 점을 강조합니다.
이러한 문구들을 shadowspeaks처럼 자신만의 이야기를 만들어 말해보는 과정에서, 실전 영어 실력을 향상시킬 수 있습니다.
일반적인 발음 함정
영상에서 주의해야 할 발음의 부분은 'money', 'priorities', 'spending'와 같은 단어들입니다. 특히 'priorities' 는 여러 음절로 나뉘어져 발음되기 때문에 쉽게 놓치기 쉽습니다. 이러한 단어들을 따라 말해 보며 shadowing site 활용하면 발음을 개선하는 데 많은 도움이 될 것입니다. 인토네이션이 중요한 부분이니 잘 들어보고 연습해 보세요.
이 영상의 문법
화자가 가장 많이 쓰는 문형을 영상 속 실제 표현과 함께 정리했습니다.
| 문형 | 영상 속 표현 |
|---|---|
| 현재완료진행 have/has been + -ing — 전에 시작해 지금도 계속되는 동작 | I've been thinking · you've been watching |
| 현재완료 have/has + 과거분사 — 과거의 일이 지금도 관련이 있을 때 | has made · has become · I've spent |
| 수동태 be + 과거분사 — 누가 하는지보다 무슨 일이 일어나는지에 초점 | being spent · was fixed · can't be taken |
쉐도잉이란? 영어 실력을 빠르게 키우는 과학적 방법
쉐도잉(Shadowing)은 원래 전문 통역사 훈련을 위해 개발된 언어 학습 기법으로, 다언어 학자인 Dr. Alexander Arguelles에 의해 대중화된 방법입니다. 핵심 원리는 간단하지만 매우 강력합니다: 원어민의 영어를 들으면서 1~2초의 짧은 지연으로 즉시 소리 내어 따라 말하는 것——마치 '그림자(shadow)'처럼 화자를 따라가는 것입니다. 문법 공부나 수동적인 청취와 달리, 쉐도잉은 뇌와 입 근육이 동시에 실시간으로 영어를 처리하고 재현하도록 훈련합니다. 연구에 따르면 이 방법은 발음 정확도, 억양, 리듬, 연음, 청취력, 말하기 유창성을 크게 향상시킵니다. IELTS 스피킹 준비와 자연스러운 영어 소통을 원하는 분들에게 특히 효과적입니다.