쉐도잉 연습: Do This EVERY Time You Get Paid (Paycheck Routine) - 영상으로 영어 말하기 배우기

연습 모드 선택

각 모드는 전체 화면 연습실로 열립니다.

191 문장

문장이 너무 짧거나 길면 Edit를 눌러 조정하세요.

It's Friday, just got paid.

New shoes, new restaurant, movies, and it's gone.

When it comes to payday, it's hard to know the best things to do with your money.

So today I'm going through step -by -step the eight things

you need to do with your money as soon as you get paid.

The first and most important thing you need to do is find your financial baseline.

When it comes to personal finance, most people feel like it's too much work, but that's why most people struggle.

64 % of Americans live paycheck to paycheck because they commit one of the worst financial mistakes.

In psychology, they call it mental accounting.

Basically, it's when you mentally categorize your money instead of physically writing it down.

In May, you might receive a tax refund from the IRS and you mentally categorize this as extra fun money.

You get excited and start spending it.

A new PS5, a new TV, or Mr. Magic Lamp.

The problem is, this money is the same as your regular income.

You just pay too much in taxes and the IRS is just returning it.

The good news is the solution is simple.

Open up a spreadsheet and take account of all your monthly expenses.

Rent, internet, pineapple pizza, floss.

So putting all this together in a Google Sheet was a great way for me to discover how much

I needed to survive every month with my current lifestyle.

I'm self -employed so my income varies widely and this is just a great number to know.

Alright, now for the real work.

Delete the expense items that aren't your core essentials.

Yeah, that means Netflix, staplers, your Candy Crush subscription, and then sign up for my free weekly newsletter,

Rethinkable, to build a wealthier and healthier life, link below.

After a grueling self -reflection moment, you should end up with just a few core expenses.

First, housing, which could be rent or mortgage.

Generally, you want this to be under 30 % of your income.

Second, groceries and food, about 10 % of your income.

Third, insurance and utilities, like internet, cell phone, and electricity, about 10%.

This number now becomes your financial baseline, the absolute bare minimum you need to survive each month.

Aim to keep your financial baseline under 50 % of your total income.

If it's over, look for expenses that you can easily swap for cheaper ones.

Do you really need that apartment with an indoor pool, a phone plan that has satellite coverage, or free -range organic pasture -raised avocados?

Knowing your financial baseline builds the foundation for the next step.

What would it feel like to have saved up to six months worth of expenses in your bank account at all times?

Imagine the kind of freedom and peace of mind you'd have knowing that if you ever got sick,

lost your job, or get injured, you'd be completely fine.

This is why having an emergency fund is crucial.

Mathematicians explained why with the Murphy's Law.

Basically, everything that can go wrong will go wrong.

Instead of asking your parents for money again, or pulling out your credit card going further into debt, you'll have something to fall back on.

A study found that as much as 56 % of Americans can't afford an unexpected $1 ,000 expense,

and 22 % don't have an emergency fund at all.

I remember when I got into a car accident when I was 20 that cost me about $5 ,000 to fix.

If I didn't have an emergency fund saved up, I might have needed to take out a loan and paying back

that loan with interest would have easily cost more than $7 ,000.

Generally, you want your emergency fund to cover six months of your financial baseline.

If your baseline is $3 ,000 a month, you need to save $18 ,000 for emergencies.

Emergencies don't include a wild night out, vacations, or pineapple pizza cravings.

The money should only be used when all hell breaks loose,

when your house floods, when you get stranded in the middle of nowhere and have no other options.

Basically, when your life is FUBAR, that's when you use your emergency fund.

Once you fill your emergency fund immediately moves to the next step.

77 % of American adults are in debt, and this is something that we've just all accepted as the norm.

Maybe we bought luxury clothes we didn't need to keep up a lifestyle we couldn't afford, or purchased new furniture when we could've used Craigslist.

One of the worst things with debt is that it strangles your monthly income.

When you're paying hundreds of dollars or more for your credit cards, your car loans, it quickly eats up the amount you can save and invest.

So forget about cutting back on avocado toast and iced coffee, because paying off your high interest debt will save you thousands in interest and fees.

If you have a credit card balance of $6 ,500 with an interest rate of 19 .5%,

and you decide to only pay the minimum payment of $130 per month, it's going to take you eight years.

Eight years to pay it all off with an additional $6 ,000 in interest.

So what's the best strategy to pay off your high interest debt early?

There are two ways to do this.

You could tackle the high interest rate loans first.

Credit cards, payday loans, car loans, stuff with an interest rate of 10 % or more.

Pay off the highest interest rate first and then move on to the next loan.

This is called the avalanche method, and mathematically speaking, is the cheapest and most efficient way to pay off your loans.

Another option is called the snowball method.

Although it is less efficient, it takes a more psychological approach.

Instead of focusing on the interest rates, you tackle the smallest loan amount first.

You'll be able to pay these off quicker, which builds momentum and motivates you to keep going.

For me, when I first got serious about personal finance and paying off my debt, I consolidated everything into a Google spreadsheet.

It contained each debt, the amount I owed, and their interest rate.

Every time I made a payment, I would open up the spreadsheet and manually adjust the remaining amount.

Every other day, I would visualize paying off the debt until everything went to zero, and this motivated me to keep pushing.

After you pay off your high interest debt, you'll have a bit more wiggle room with your monthly income.

But before you do anything, you need to prioritize the next step.

When it comes to investing, most people think of flashing screens, day trading, and aggressive screaming.

But apart from what you've seen on Wolf of Wall Street, investing doesn't need to be hard or overwhelming.

The basics are easy, and once you're familiar with them, you could make millions in your lifetime.

Einstein once said, Compound interest is the eighth wonder of the world.

He who understands it, earns it.

He who doesn't, pays it.

Compound interest is the reason that you should have started investing yesterday.

Over time, the stock market returns about 10 % a year, meaning your money will essentially double every 10 years without you needing to do anything.

If you invest $6 ,000 each year from 25 to 65 years old with an annual return of 10%,

you'll end up with a total of over $2 .7 million.

If you choose not to invest and instead you just keep that money under your mattress,

you're going to end up with a total of $240 ,000.

That difference is huge and that can easily change your life.

You can get my free investing starter kit to learn the basics of stock investing to easily and confidently start investing today.

Link below.

The problem is, which investing account should you invest with first?

Taxable brokerage, 401k, IRA, HSA.

Knowing which to prioritize will maximize your returns and minimize your taxes.

For most people, you should first put money into your 401k account, a workplace retirement plan that offers matching contributions.

Essentially, free money.

If your 401k plan offers this match, contribute enough to meet the matching amounts.

100

When it comes to your 401k, not only can you get free money, you can also lower your taxable income.

101

If you earn $90 ,000 a year and your employer matches up to 3 % of your salary,

102

that means they'll give you $2 ,700 of free money.

103

If you contribute 10 % of your 90k income to your 401k plan,

104

when tax season comes, you'll only pay taxes on $80 ,000 instead of your 90K salary.

105

After you max out your employer match with your 401k, contribute to a Roth IRA account.

106

Unlike the 401k where contributions are pre -tax, with a Roth IRA, contributions are post -tax,

107

which means you'll first pay taxes on your $90 ,000 salary before you can add it to your Roth IRA.

108

The advantage of a Roth IRA is that you don't have to pay taxes on any of the earnings in this account,

109

and you can withdraw your contributions at any time.

110

So even though you're contributing money into a retirement account, you can withdraw money from the principal whenever you want.

111

After taking advantage of your retirement accounts, it's time to invest with a regular taxable brokerage.

112

Unlike the 401k and Roth IRA, there aren't any obvious tax advantages, but it is one of the next best places to invest your excess money.

113

For me personally, I've been investing with Moomoo for years.

114

And for a limited time, if you create an account with my link below and meet the deposit requirements,

115

you can get up to 16 stocks for free.

116

With all my investment accounts, I primarily invest in low -cost mutual funds for the long term.

117

When you invest for the long term, you're not checking your account every day, week, or month.

118

You're putting your money in, you're making sure you have everything set, and then you're checking it maybe twice a year.

119

But you're not stressing out every time the stock market's having a panic attack.

120

The problem is, most people just can't stomach the ups and downs the market takes, and over the past year,

121

things have been looking a bit dicey.

122

Normally, this is when people make one of the worst financial mistakes.

123

In finance, they call this timing the market.

124

Basically, it's when the market isn't doing too hot, so you decide to stop investing or pull all your money out

125

and wait on the sidelines to get back in the right time.

126

There's two problems with this.

127

First, you don't know if the stock market is going to go lower or higher because no one knows.

128

Just like how economists have predicted 30 out of the last three market crashes.

129

Second, even if you pull out at a really fantastic time when the stock market was really high and then it crashes,

130

you need to be right a second time to put it back in at the right time.

131

The best solution based on hard data and math is to simply invest a fixed amount every month consistently.

132

Doesn't matter whether it's going up, doesn't matter if it's going down.

133

Let's say you invest $200 into Apple stock every single month for five years.

134

If you're investing a fixed amount of money each time you buy,

135

you'll get more shares when the stock price is lower and fewer when the stock price is higher.

136

Over time, this will minimize the cost per share you pay for your stock.

137

So if you have $300 to invest and you're looking at a very volatile stock called Magic Lab Company,

138

in the first month it's $10 per share.

139

In the second month it's $5.

140

In the third month it's $20.

141

Here's where dollar cost averaging comes in.

142

Say you want to invest $100 a month for three months.

143

So at the end of three months, you would have bought 10 shares in the first month, 20 shares in the second month,

144

and then five shares in the third month.

145

So now you have 35 shares for $300 for an average price per share of $8 .57.

146

Your price per share isn't the cheapest at $5 per share, assuming you could tell the future and bought everything in the second month,

147

but it's also not the most expensive at $20 per share if you bought everything in the third month.

148

After you're invested, move on to the next step.

149

When it comes to life, time is the most valuable resource.

150

It's the only thing we can't buy more of.

151

At the end of the day,

152

it doesn't matter how much money you have or save if you don't actually have the time to enjoy your life.

153

In economics, they call it opportunity cost.

154

Basically, the time you spend doing something is time not spent on doing something else.

155

On Sunday, you might spend three hours washing the floors, wiping the windows, throwing out the trash,

156

but what if you spent those three hours working on a side hustle?

157

If you can make $90 in three hours and you can hire someone to clean your house for $30,

158

then your time might be better spent on the side hustle.

159

Over time, you can use the difference to invest, grow your money, and buy even more time back to do more of the things you love.

160

Write down tasks that you absolutely hate to do.

161

Cleaning the toilet, mowing the lawn, or driving 40 minutes to get groceries.

162

Write down how much time it takes you to do each task.

163

How much money you could be making if instead of doing this task, you were just working on your side hustle.

164

Then look into how much it costs to hire someone else to do the task.

165

So putting all this together was helpful to see

166

if it made more financial sense to hire someone to do something or to keep doing it myself.

167

But the most important step of all is this.

168

I remember for a long time, I did everything manually.

169

Paying my bills, saving for a house, investing.

170

The problem is this takes dedicated time and brainpower every week.

171

In psychology, they call it decision fatigue.

172

Basically, when you make a lot of decisions during your day, the quality of each new decision decreases over time.

173

In the morning, you might be able to make really great choices one after another.

174

But later that evening, when you get closer to 10 ,000 decisions, you might make mistakes that you later regret.

175

Buying a pair of AirPod Max, Mr. Magic Lamp, or this overpriced stapler.

176

But what if I told you that you can easily automate your finances so you never need to think about it again?

177

When it comes to setting up guideline automation, it's going to save you so much time and headache in the long run.

178

Nowadays, I don't have to think twice about whether I paid my bills, if I invested this week.

179

I don't need to track anything because I know it's already done.

180

Here's how to do it.

181

First, make sure your paychecks are automatically deposited into your checking account.

182

Then, with your bank, set up automatic transfers to move your paycheck into the first of two new accounts, your spending account and your savings account.

183

Your spending account includes fixed monthly bills and essential expenses like groceries, gas, and pineapple pizza.

184

By knowing how much you'd normally spend in a month, set spending targets for non -essentials like restaurants, movies, and Uniqlo.

185

Then set up automatic transfers at the end of the month to move what's left over into your second account, savings.

186

From here, the money and savings should flow into whichever step you're at saving for an emergency fund,

187

paying off high interest debt, investing, or opportunity costs.

188

And that leads me to something that you've got to start accepting.

189

And it's that even if you're doing all these steps, sometimes you still might not feel like you're not doing a good job financially.

190

And that might be because you don't know these 14 subtle signs.

191

Click here to find out if you're financially doing better than you think.

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

QR 스캔

Download on theApp Store Get it onGoogle Play

FOR YOU

이 레슨의 어휘와 말하기 포인트

이 말하기 레슨은 영상 “Do This EVERY Time You Get Paid”을(를) 바탕으로 합니다. 가장 자주 반복되는 단어는 다음과 같습니다: month, account, interest, invest, investing. 이 영상에는 섀도잉할 문장 191개와 단어 2665개가 있습니다. 말하는 구간의 길이는 14:02입니다. 화자는 분당 약 190단어로 빠르게 말하므로 연음과 약하게 발음되는 소리가 많습니다. 단어의 85%가 영어에서 가장 많이 쓰이는 3,000단어에 속합니다. 나머지는 연습 전에 미리 확인해 두세요.

이 영상의 핵심 어휘

영상에 나오는 익혀 둘 만한 단어 15개를 발음, 뜻과 함께 정리했습니다.

단어	발음	뜻
expense 명사	/ɪkˈspɛns/	비용
contribution 명사	/ˌkɑntɹɪˈbjuʃən/	기여, 공헌
pizza 명사	/ˈpi.tsə/	피자
hire 동사	/ˈhaɪɹ/	고용하다
salary 명사	/ˈsæləɹi/	급료, 봉급
pineapple 명사	/ˈpaɪnəpəl/	파인애플
earn 동사	/ɝn/	벌다
efficient 형용사	/ɪˈfɪʃənt/	효율적인
automatic 형용사	/ˌɔː.təˈmæt.ɪk/	자동, 자동적
psychology 명사	/saɪˈkɑ.lə.d͡ʒi/	심리학
deposit 명사	/dɪˈpɑ.zɪt/	퇴적물
employer 명사	/ɪmˈplɔɪə/	고용주
withdraw 동사	/wɪðˈdɹɔ/	후퇴하다, 취소하다
minimize 동사	/ˈmɪn.ɪˌmaɪz/	최소화(最小化)하다
motivate 동사	/ˈmoʊ.tɪ.veɪt/	...에 동기를 주다

영상에 나오는 구동사

단어	발음	뜻
write down 동사		적다, 적어 두다
go down 동사		내려가다
go up 동사		올라가다
pay back 동사	/peɪ bæk/	갚다
pull out 동사		회수(回收)하다

따라 말해 볼 만한 문장

영상에 나오는 짧고 완결된 문장으로, 일상 대화에서 그대로 쓸 수 있습니다:

Delete the expense items that aren't your core essentials.
The problem is, which investing account should you invest with first?
After you're invested, move on to the next step.
It's the only thing we can't buy more of.

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 investing · have been looking
수동태 be + 과거분사 — 누가 하는지보다 무슨 일이 일어나는지에 초점	is called · are automatically deposited
현재완료 have/has + 과거분사 — 과거의 일이 지금도 관련이 있을 때	you've seen · have predicted

주의할 발음

화자는 you're, don't, you'll 같은 축약형과 약화된 형태를 57번 사용합니다. 들리는 대로 짧게 발음하세요.

“th” 소리: withdraw /wɪðˈdɹɔ/, wealthy /ˈwɛl.θi/, eighth /eɪtθ/, mathematics /mæθ(.ə)ˈmæt.ɪks/, mathematician /ˌmæθ.(ə.)məˈtɪʃ.ən/
“sh”와 “zh” 소리: contribution /ˌkɑntɹɪˈbjuʃən/, efficient /ɪˈfɪʃənt/, essentially /ɪˈsɛnʃəli/, wash /wɑʃ/, flash /flæʃ/
긴 단어 — 강세 위치에 주의: contribution /ˌkɑntɹɪˈbjuʃən/, essentially /ɪˈsɛnʃəli/, automatic /ˌɔː.təˈmæt.ɪk/, psychology /saɪˈkɑ.lə.d͡ʒi/, manually /ˈmænj(u)əliː/

한국어 화자가 어려워하는 소리:

/f/ — ㅍ(/p/)으로 바꾸지 말고 윗니를 아랫입술에 대기: efficient /ɪˈfɪʃənt/, lifestyle /ˈlaɪfˌstaɪl/, flash /flæʃ/, helpful /ˈhɛlp.fl̩/, lifetime /ˈlaɪf.taɪm/
/v/ — ㅂ(/b/)과 구별하기: invest /ɪnˈvɛst/, motivate /ˈmoʊ.tɪ.veɪt/, vacation /veɪˈkeɪ.ʃən/, discover /dɪˈskʌvə/, aggressive /əˈɡɹɛs.ɪv/
/z/ — ㅈ이 아니라 성대를 울리는 /s/: groceries /ˈɡɹoʊ.s(ə.)ɹiz/, deposit /dɪˈpɑ.zɪt/, minimize /ˈmɪn.ɪˌmaɪz/, resource /ɹɪˈzɔːs/, physically /ˈfɪz.ɪ.kli/

이 영상으로 연습하는 방법

먼저 말하지 않고 영상을 끝까지 듣고 모르는 단어를 적어 둡니다.
0.75배속으로 한 문장씩 섀도잉을 시작하고, 익숙해지면 보통 속도로 돌아갑니다.
자신의 목소리를 녹음해 원본과 비교하고, expense, contribution, pizza 같은 단어에 특히 주의합니다.

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.

섀도잉 방법: 단계별 전체 가이드 읽기 →

쉐도잉 연습: Do This EVERY Time You Get Paid (Paycheck Routine) - 영상으로 영어 말하기 배우기

연습 모드 선택

앱 다운로드

추천 영상

Why Earning More Still Doesn't Feel Like Enough

MENTALLY BEAT THE MARKETS IN 8 MINUTES

i tracked every dollar i spent as a resident... its alot

I Simplified My Phone (So It Doesn't Ruin My Life)

Once You Get Money, Upgrade These 10 Things ASAP

The smart way to name your content

Save Money, Spend Less | Mel Robbins #shorts

YOU CAN'T BUY BACK A DAY (Jim Rohn Seminar)

8 Minimalist Habits That ACTUALLY Work (even if you're not a minimalist)

are you still watching?

How Jews Teach Kids About Money Differently, And Why It Works | Jewish Financial Education

Is Becoming An Accountant Actually Worth It?