쉐도잉 연습: Why Even High Earners Are Living Paycheck To Paycheck - 영상으로 영어 말하기 배우기

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

많은 미국인들에게 일은 햄스터 쳇바퀴처럼 느껴질 수 있습니다.

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

아무리 열심히 달려도 늘 부족하게 느껴집니다.

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.

미국인들은 평균적으로 부자라고 느끼려면 연간 52만 달러가 필요하다고 말합니다. 그리고 사람들은 더 많이 벌수록 편안함을 느끼는 데 더 많은 돈이 필요하다고 말합니다.

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.

연 소득 5만 달러 미만인 미국인들은 편안한 생활을 위해 연 15만 7천 달러가 필요하다고 느꼈습니다. 연 소득 10만 달러 이상인 사람들은 24만 6천 달러가 필요하다고 답했습니다.

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

제가 중학생 때 "Mo Money Mo Problems"라는 노래가 나왔는데, 저는 그 말이 사실이라고 생각해요.

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?

100

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.

101

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.

102

I think wealth is often an emotional feeling.

103

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.

104

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

105

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.

106

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

107

The issue is you can't value everything.

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You have to prioritize it.

109

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?

110

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.

111

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.

112

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.

114

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.

115

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.

117

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

118

There are trade-offs.

119

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.

120

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

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이 레슨의 어휘와 말하기 포인트

이 B2 수준 말하기 레슨은 영상 “Why Even High Earners Are Living Paycheck To Paycheck”을(를) 바탕으로 합니다. 가장 자주 반복되는 단어는 다음과 같습니다: rich, spending, Henry, feeling. 이 영상에는 섀도잉할 문장 120개와 단어 2329개가 있습니다. 말하는 구간의 길이는 12:11입니다. 화자는 분당 약 191단어로 빠르게 말하므로 연음과 약하게 발음되는 소리가 많습니다. 단어의 84%가 영어에서 가장 많이 쓰이는 3,000단어에 속합니다. 나머지는 연습 전에 미리 확인해 두세요.

이 영상의 핵심 어휘

영상에서 가장 어려운 단어 15개를 발음, 뜻과 함께 정리했습니다.

단어	발음	뜻
hamster 명사	/ˈhæm(p)stɚ/	햄스터, 뵤
bracket 명사	/ˈbɹækɪt/	괄호
necessity 명사	/nɪˈsɛsəti/	필요성, 필요
satisfy 동사	/ˈsætɪsfaɪ/	만족시키다
musician 명사	/mjuˈzɪʃən/	음악가
cloth 명사	/klɒθ/	천
emotion 명사	/ɪˈməʊ.ʃən/	감정
dopamine 명사	/ˈdoʊ.pəˌmin/	도파민
overtake 동사	/əʊ̯vəːˈteɪ̯k/	따라잡다
pianist 명사	/ˈpi.ənɪst/	피아니스트
cushion 명사	/ˈkʊʃən/	쿠션, 방석
paradox 명사	/ˈpæ.ɹəˌdɒks/	모순, 자가당착
dub 동사	/dʌb/	더빙하다
circumstance 명사	/ˈsɝ.kəmˌstæns/	상황
flock 명사	/flɑk/	무리, 떼

영상에 나오는 구동사

단어	발음	뜻
come out 동사	/ˌkʌm ˈaʊt/	나오다
go away 동사		떠나다, 떠나가다
look around 동사		둘러보다

따라 말해 볼 만한 문장

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

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

이 영상의 문법

화자가 가장 많이 쓰는 문형을 영상 속 실제 표현과 함께 정리했습니다.

문형	영상 속 표현
수동태 be + 과거분사 — 누가 하는지보다 무슨 일이 일어나는지에 초점	were told · are fixed · were given
현재완료 have/has + 과거분사 — 과거의 일이 지금도 관련이 있을 때	hasn't hit · haven't eaten · have planned
관계절 who / which + 절 — 사람이나 사물에 대한 추가 정보	somebody who earns · somebody who is · person who doesn

주의할 발음

화자는 don't, they're, you're 같은 축약형과 약화된 형태를 66번 사용합니다. 들리는 대로 짧게 발음하세요.

“th” 소리: cloth /klɒθ/, feather /ˈfɛðə/
“sh”와 “zh” 소리: discretionary /dɪsˈkɹɛʃəˌnɛɹi/, gosh /ɡɑːʃ/, musician /mjuˈzɪʃən/, emotion /ɪˈməʊ.ʃən/, cushion /ˈkʊʃən/
긴 단어 — 강세 위치에 주의: discretionary /dɪsˈkɹɛʃəˌnɛɹi/, necessity /nɪˈsɛsəti/, irresponsibly /ˌɪ.ɹɪˈspɑːn.sə.bli/, prioritize /pɹaɪˈɒɹ.ə.taɪz/, accumulation /əˌkjuːm.jəˈleɪ.ʃən/

한국어 화자가 어려워하는 소리:

/f/ — ㅍ(/p/)으로 바꾸지 말고 윗니를 아랫입술에 대기: satisfy /ˈsætɪsfaɪ/, fixate /ˈfɪkseɪt/, oftentimes /ˈɔf.ənˌtaɪmz/, flock /flɑk/, feather /ˈfɛðə/
/v/ — ㅂ(/b/)과 구별하기: elevate /ˈɛləveɪt/, overtake /əʊ̯vəːˈteɪ̯k/, privilege /ˈpɹɪv.(ɪ.)lɪd͡ʒ/
/z/ — ㅈ이 아니라 성대를 울리는 /s/: exhaust /ɪɡˈzɔst/, musician /mjuˈzɪʃən/, oftentimes /ˈɔf.ənˌtaɪmz/, prioritize /pɹaɪˈɒɹ.ə.taɪz/, groceries /ˈɡɹoʊ.s(ə.)ɹiz/

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, hamster, bracket, necessity 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.

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쉐도잉 연습: Why Even High Earners Are Living Paycheck To Paycheck - 영상으로 영어 말하기 배우기

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