Shadowing Practice: คุยอังกฤษกับ เฟิร์น ศิรัถยา ชีวิตจริงของคนมี Financial Freedom ตั้งแต่อายุ 35 | คำนี้ดี Feat. EP.196 - Learn English Speaking with Video

you've reached your financial independence or financial freedom since you were 35

and you could have retired at the age of 40 the key is habits so

if you want to start a good habit in money you

have to change your daily routine right i would say money

channel was like a communication incubator i have to translate um

international news every single day just helping me like upskill myself

it's mean you have two pillars the first one is the fixed amount

and the second one is the fix of time I found out

that the tool that can get rid of greed

and fear is DCA right ah yes yeah because emotion always in French reason.

I will do every single day.

Best I can do.

Hi stranger.

Welcome to the show.

Thank you for helping me. Of course.

And actually you're making me feel like home today

because i was kidding before about the strangers thing

because of course we're no strangers we've been basically living under the same roof

which is the standard for many years now right many many years we've talked before right

but this is going to be the first time

that we will sit down and talk in english

so this is very special yes but i'm

so a bit exciting okay okay

which is very understandable yeah yeah I'm excited too right now yeah

because this is the first time

that we get to talk yes in English yeah in front

of cameras right yeah it's my first time to speak this in front of camera too wow okay

but you've done it before of course

because you've interviewed people in English you've joined the international events abroad before

so of course you you use English in your everyday life

but it's a bit different i think because uh in front of people i just only ask the question and translate

but a speaker answer right

but for now i have to speak out in english in whole session with pb who expert in english

so i'm a bit nervous okay but it's a good nervous i think

and this is gonna be fun okay all right

so uh first of all congratulations thank you very much your very first book right really

because you've been doing this for so many years

so i figured you must have read books before

but this is your first one right first one ever yeah

because i would like to um have my own book since uh maybe 11 years ago

but i just did it really is a very good title

i like it thank you yeah okay we will talk more about what's going on this book too apparently

you're very good with numbers with um money because uh you've reached your financial

independence or financial freedom since you were 35 and if you choose to you could have retired at the age of 40.

uh -huh right right so um that speaks a lot about how good with money you are.

But what about English?

Were you also good at English at school or in life?

I would say definitely not.

No?

Yes, because I was educated in high school entirely in my life since my primary school to my master's degree

so for almost 20 years I know a lot and bits

and pieces of English and I was often too tired to speak out

because I'm not confident about my pronunciation my grammar

and I was no tiny vocabulary so it is like scared me

when I was young to speak out mm -hmm but got better, I believe.

Because once we actually use the language in work, in life, it'll get better that way.

And I think the more you use it, the more confident you can get too.

Yes, I think so.

And I believe practice makes perfect.

Yeah, I believe that too. And well,

let's get back to when you first started off at the money channel what was

that your first job ever the second one the second one okay

but you were telling the story about how you have to like translate the news from English to Thai and then

you have to is

that how you use English in your work uh -huh right

it is my first time I have to use English in

my work I would say my national was like a communication incubator for me okay

because it's helping me like upskill myself in terms of speaking listening financial literacy and English skills.

I have to translate international news every single day.

But because I was not good in English, it's make a lot of time doing that.

Around an hour for one news, right?

But at that day, it's made me feel more confident

because I was known a lot of vocabulary and And I practice my translation skills since then.

Ah, okay.

Yeah, that's a good way of practice.

Right.

Okay, so we'll come back to your book, of course, and we'll come back to the financial literacy part later.

But first of all, one word or more that our segment and our game to start us off today.

We want to know more about you through your own words

so um can you give me one word

that you're most obsessed with right now um i would say compound interest compound interest okay

because i believe that um our life is compounding

in terms of um skills health wealth or illy

or even relationships that's true right so i i love this book

so much this day compound interest that

that could be a very like secret tool to make you wealthy yeah right right yeah

and healthy and healthy too okay

so what what actually what what does actually mean like compound interest it means you have a tiny habit

that you do every single day and that like the collect in good part

or bad part of your life

and then it will rewards you in the long term

so compound basically it means like piling up and like gradually getting more

and more right if you start doing something

that is good for you even though it's in the tiny

amount it can it can get like greater right it's like

a one percent better every single day okay wow that's such a good word to be obsessed with right

so compound interest yes okay one English word do you love

saying all the time um present is present present is present okay

so much uh same word same pronunciation but different meaning it reminds me to um focus

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to the here and now and i think when we focus on the here and now it means you

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give a value to the person who wait, the time you spend and the work you did.

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So it means if you think it's present, you will do the good things every single moment.

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So value each like second that you have right now, like stop worrying too much about the future or like the past,

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but just focus on the present right such a great saying all right about uh one word or sentence

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that you said to yourself every day as an intern at

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the thai investors association understand okay do you still remember yeah

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like your uh intern day since uh maybe uh 20 years ago okay okay

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but But I believe that work hard until you learn how to work smart because everybody wants to work smart, right?

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But for myself, I don't believe I can work smart if I don't know the entire process of working.

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So it means I have to do in detail of doing

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work before I know how can I switch to be more productive, more efficient.

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So work hard come before work smart and I believe that there are no shortcuts for mastery.

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So you must have been a very hard -working intern.

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Right.

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Okay.

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So how hard are we talking about?

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Like no play at all?

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Like only work?

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I did everything they asked and they don't ask.

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It's like, okay, I have time, what should I do now? something like that all the time

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and that makes me feel like okay i can learn everything every moment every day okay

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so always keep yourself busy yeah okay yeah and try to learn like

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from every single task that is given to you right

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because i think that when i was young i can have mistake it means

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if i do a lot um have some mistake it's okay

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because i'm still young right but when i growing up i know

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that experience will support me to know what to do

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and what i can okay so so the most important thing is

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that get a lot of experience

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and get a lot of learning by doing like more

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and more right okay so make a lot of mistakes that's okay right

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and you because you learn from that right okay give us one English financial term

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that you've learned

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and loved um DC a dollar cost averaging that's mine too that's my like most favorite financial term

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because I have not invested before I knew

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that word yeah I was not the financial person I am bad at math I am better saving money

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but since I learned about the DCA thing I was like okay this I can do yeah

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because I don't have to be like too obsessed with like how the graph goes up

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and goes down right yeah

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so can you tell us more about DCA yes DCA is my favorite one

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because I use DCA approach since I first start in my 20s

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so it's mean you have two pillars the first one is the fixed amount

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and the second one is the fix of time okay

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so it's not about math it's about habits like you said

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that it's not about the fluctuation of the stock market

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or you have to update news every single day it's me

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you just try to make a discipline of dollar cost averaging invest before you spend and do it consistently

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after that you will know that your habit change

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so it's gonna make you feel better about yourself

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and you will proud that you can invest even it's

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so easy because you just automate it yeah yeah

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and with the help of technology or you know the tool

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that we have so

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so many these days you can just do it without you even knowing it yeah

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because you can just like put it on auto like auto

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deduct this kind of this amount of money on this day of every month for me right

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and then you like you don't have to worry about saving you're a good example yeah yeah i think

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that that's one of the best methods or approaches of saving up money

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and investing too it's the combination of do what you love

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and automate it right right yeah so um now can you give us one word

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that comes up most often in your book um in thai it's uh occasions

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because you have to like um sacrifice nice to have to what you matters most okay what you focus

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and what you are long -term goal

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because sometimes it's didn't mean you said today tomorrow you'll be

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gonna be wealthy it's take time yeah it's a long term situation it's marathon yeah

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and is that the ongoing process do you have to keep doing this for the rest of your life

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if you can do it yeah so like you said it's a habit yeah

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so you have to learn how to be patient with your money right yes yeah

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so do you have that that problem that every teenagers had

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that you want what other people have

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and you have to like try to stop yourself from go

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and spend the money uh

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because i'm a bit different from others i didn't care much about society oh i'm care about my goal

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so i have my direction that what i want in the long term

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so i would like to achieve it and i have to cut noises uh -huh that will interrupt my direction

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That's exactly why she's wealthy.

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Because you don't care about other people but your goal.

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Like, this is what I want.

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But what other people would spend using their money is none of my business.

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I don't have to do everything as others do.

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Yes, I don't want to compare myself to others

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because it make me excited and it's make me feel like I can't control myself yeah

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because I have to compare compare compare so it's mean you have to you have your best life but

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It's not your best life, it's others.

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I think we can come back to this because this is a struggle for a lot of people too.

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And I'm sure that you can give them some advice of how to change the bad habit into a good one.

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All right.

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So now give me one life lesson you learned when having to work for money. Be professional. Be professional.

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Right.

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That is such a broad idea.

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Yeah.

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What do you mean by that?

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Okay someone said I'm a perfectionist

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because I always put 100 % at least to my job my project my work

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because I think if you passionate of doing anything

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or you have committed you should do your best

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because you can add value to that project I don't want people to disappoint me

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when I join any project so it's mean I will have me better

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that happen have me all right okay

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so you have to like give it more than a hundred

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percent yeah yeah I'm try okay all right good one personality trait

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or secret habit

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that made you financially independent since 35 discipline discipline discipline yeah

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it's such a such a hard concept such a difficult things to actually do

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because easier said than done right we should have discipline that's easy to say

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but to actually have discipline what does it take for you

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uh -huh discipline means um train yourself to do hard work

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and like you have to know what is necessary and what's not

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so disciplines means you have to do good things even you do not like to do it's easy

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but it's hard to done right so it's like going to the gym

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or like you know not eating bad food right right like sweeping wealth um eating healthy

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or even investing um consistently yeah everybody knows it's good for

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you for your health for your wealth for your life

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but it's hard to consistency right

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so for you was it was it hard from the beginning to train yourself to do things

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that you might not like i think it's not easy for me too

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when i start

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but um i i'm trying to make it automatically it's like okay i wake up at four

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and okay exercise 15 to 20 minutes meditation five to ten

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minutes every single day it means it's like a habit it's

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not different from my daily routine okay okay like you're going on like autopilot right okay so just

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don't try to think too much about it yeah don't try to drag yourself

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or force yourself to do something

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that you don't want to do just make it a part of your life yes okay

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and i saw the research for that brain like routine so

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if you do it like a daily routine it's gonna be okay you don't feel

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so tired to start another day because it automatically okay you make it sound

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so easy so yeah of course because you've been training yourself for

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so long and you're a very disciplined person now is there anything at all in your life right now

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that you still find it very hard to do

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or like discipline cannot work on my specific habit speaking english oh okay yeah yeah

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because actually the reason i create this show is

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because i want to make this my routine too even though i don't get to do this every day

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but at least every week i get to talk to someone in english right

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so yeah i think

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that it works the same way right yeah try to make it a routine like a daily

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or weekly routine at least right right right it's hard for me

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but i think practice makes perfect like i said

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so in my point of view

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if anyone can do i can do you can do

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because it's not the new things it's just something

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that people can pass it so you can do it yeah it's like

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if you choose to do it you can just go do

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it right yeah don't think too much just don't think too

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much okay all right uh -huh good advice yeah i agree

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so just get up and do it right all right

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that takes a lot less time okay how about uh the

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advice of uh for for someone who's still very afraid or scared

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of the idea of investing because they might say i don't have that that kind of money like left to invest.

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I don't have any kind of like spare money

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because I don't have a lot of salary and I have a lot of expenses already.

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So it might not be for me to invest.

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I think who want to start investment have to change their mind because investment does a tool, but the key is habits.

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So if you want to start a good habit in money, you have to change your daily routine, right?

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You can start with tracking your expenses.

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It's easy to do it because if you're tracking where your money goes,

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you will know that this is the necessary or unnecessary stuff,

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right? after that you can like cut off the spending of unnecessary then move

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that money to your saving account or investment account

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so start with simple things like track expenses

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and then move your money to a better version of yourself like pay yourself first in saving on saving

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and investing I think this just a simple way simple tools don't think it's too much right right okay

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because we cannot earn like a million baht from your first day of saving anyway

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so like you said it will it will take time

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and you have to be patient with uh getting rich

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or getting wealthy but you can do a simple thing

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or some simple things first like and of course tracking money these days is so easy

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because we have a lot of tools right like before like

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years years ago we have to actually do it on like paper spreadsheet

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but now you have a lot of tool a lot of application right yeah

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and you can do it like very easy

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because it's like playing game on your phone yes right just

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a plus it might not plus it might not that's all yeah yeah

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and you know what everybody um i think they receive a million in their life because

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if a person who have a salary around 20 ,000 by

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a month right a year they will got around 250 ,000

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that's mean around four to five years you've got your million okay

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but the question is where your money go right

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because you don't crack your expenses you let them go to the flow

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so you just capture it

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and make it in your pocket right no don't don't throw

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it to others pay yourself first I think this is the

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simple formula to do I think that's a very powerful phrase pay yourself first

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because we used to think

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that we try to be very very frugal with our money be very good with our money

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and then we keep spending until at the end of the month we can go

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and take a look in our purse

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or our wallet like what kind of money do we have left

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and then we save right but you're saying no we should do

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that at the beginning of the month right pay yourself first and then spend the rest yeah right okay okay Okay,

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one underrated financial instrument that you wish Thai people knew more about?

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Interest rate.

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Because interest rate has two sides, good side and bad side.

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For good side, I have some examples.

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If you have around 1 ,000 baht a month, and then you can save around 40 years.

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You know what?

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When time pass, if you just only save in a bank account, that got around 25 basis points interest rate annually after 40

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years you have got around 500 ,000 baht by the way

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if you change the way from self to invest to global equity

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that will have return around 8 % annually okay from 1000

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baht 40 years is gonna be around 3 .2 million baht it's a huge difference right it's six times yeah

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because of the power of interest yeah right right this is worth learning

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and worth studying about because once you know how interest works

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and you get out of your comfort zone which is only Thai stocks

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or Thai market and you go global that could that could double

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or triple your savings and your investment right yeah yeah

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but this is only good part right

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but the best part is about credit card

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if you pay stuff around 10 ,000 baht by your credit card

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and you just pay a minimum 8 % monthly you know what 16 % of interest rate will

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spend your 111 months to clear

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that single debt more than nine years right this is the power of interest rate too

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but in different stars yeah right right

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so be careful of interest rate even in good part of

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that part right okay because maybe we don't have to earn more we just

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find a way to save more yeah like like they said a penny saved is a penny earned right

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so maybe you

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don't have the second income yet or third income yet but

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if you uh can manage your first

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and only income well you can get wealthy that way too yes yeah

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and you have to careful of what you are spent be careful of interested of debt right

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so speaking of debt i i want to go more into these financial terms.

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I want you to rate them on the scale of one to five, let's say.

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So five being the scariest and one not so scary.

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How about debt?

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I think I have two rate of debt.

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Three and five.

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Okay.

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Three for good debt and five for bad debt.

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Oh, okay.

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So there's like two kinds of debt.

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Yes.

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It's not equal.

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It means if you have good debt like home or education debt,

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business debt, it's okay because you generate income from that money.

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So that's the definition of good debt.

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So something for a good cause and something that could generate income.

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Right.

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But another one, bad debt, it means it drain your wealth because there are a lot of interest rates and it's not generate anything.

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You just use it, consume it it's like consumption debt on credit card is a bad debt okay

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so like stuff in general

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that you buy for your own pleasure right right um like luxury goods

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or i don't know like fancy stuff fancy stuff yeah

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so nice things like nice things we would like to have

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because it can it can bring us joy

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but it will not generate any money for us short term joy short term short term joy

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and long yeah that's yeah things to think about

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when you like swipe your credit card to buy something right okay

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so um three for good debt that means it's okay to have debt

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if you are sure that you can get the thing

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that you can spend on right will will give you back something good

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but it's still free because that had cost because

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if you look at like home loan home loan is a good debt right

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but if you if your home value around 1 million baht

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and you have home loan interest rate around 5 % annually

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in 30 years it's mean you have to pay 2 million baht at the end it's double right

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so even it's a good debt it has cost.

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So you have to be aware of having debt.

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I see.

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Okay.

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So what do we do about these good debts?

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So things we have to watch for, like what do we have to do?

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You have to check yourself that you can pay and not much than 30 or 40 % of your income.

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Okay.

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It's okay

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because it means you pay for your investment for your asset

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for your business not for your lifestyle it would not make sense uh to have like 10 million baht house

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if you still earn like 20 000 a month right

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okay all right okay how about uh i love i love

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this expression uh keeping up with the joneses it means uh like social comparison right like as they say like

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when our neighbors uh buy a new car we we want

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that too otherwise we would look like less or inferior than our neighbor

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and we don't want that how scary is that five five okay

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because very scary right very scary because you will feel

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so exhausted every time

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because you don't feel you okay you compare yourself to others every single day

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and you never feel enough right

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and you have to have higher income higher debt higher stuff something like

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that higher lifestyle very stressful right and you will cannot have freedom

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so let's say now you know

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that you have these habits of comparing yourself to others

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and you cannot help yourself you cannot stop yourself from buying or shopping uh -huh what advice we have for

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those shopaholics out there okay it's not easy i think but okay

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if you want to try something i would say the rule

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of no spend 30 days no spend like not a single bat uh except necessary things okay like a tissue

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or something like that because when i announced this um some fans text me

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that people can i buy tissue

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because it's out of my room right now i said it's okay okay just only necessary things you can buy

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but none but unnecessary thing you have to stop buying just to like um um control

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or like um like detox right oh your brain yourself

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because for me i always open like e -commerce platform every morning since before i did it right yeah like

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when i wake up okay after exercise after meditation before start working i will open e -commerce that okay

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what like sales today and after

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that i i i try to train myself not doing this you know what after 30 days pass the things

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that are necessary is gone it means i didn't want it yeah i just love to have it

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but it's not necessarily for my life so i can cut it off easily

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and then it's not only 30 it's mean around a year

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that i can wow uh wake up without open my e -commerce platform yeah

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so just try the rule of not spending 30 days and you will know how your life your mind your

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like a lifestyle change yeah because it can actually prove

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that we do not need these yeah right yeah it's not

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that necessary as we thought it would be and and

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if you like a want to to do something okay i will add more you can add

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that stuff to your basket first

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and then you wait for around 30 days one month

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and you will you can back

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if it necessary you can buy it it happens to me all the time

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because i've got like a hundred items in my basket and well as as time goes by I kind of learned that,

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okay, I don't need to actually buy this stuff.

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And I, yeah, I just take it out of the basket eventually.

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Right.

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It's easy, but you have to try to train your brain yourself to doing that.

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Okay.

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So five on the scale of scariness.

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Okay.

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How about some cost and opportunity cost?

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Okay.

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I would say it's around four.

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For example, of opportunity cost, I would give you an example of 5 ,000 baht a month.

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In terms of lifestyle inflation, if you pay around only 5 ,000 baht a month, and you think it's for your happy life,

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it's for your lifestyle, it's for your rewards, right?

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But however, opportunity cost means the value you miss out when you choose another option.

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Yes.

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Right.

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If you pay 5 ,000 baht a month in 30 years to invest in global equity again,

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8 % return annually, it makes you got around 7 million baht after 30 years pass.

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So the opportunity cost is soon about 5 ,000 baht it means you're happy retirement you have seven million baht

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when you're retired so it means

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a lot for you be careful of what you choose to spend

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so have you experienced um this opportunity cost before like um you realized too late

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that i i shouldn't have invested in this and

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and what do what do you do then okay um for

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me uh in my investment experience i start around um 20 years right

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so i think it's too late but it's still okay however

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when i have my needs okay i talk to them

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that you have to start early okay so when they just only 9 11 and 14 yeah yeah i

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I ask them to give me around, not much, only a hundred, a hundred, two hundred, five hundred a month,

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right, for invest to yourself since you was young.

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Okay, so you help them put up the investment account and put money in their own name?

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Right, because they have a lot of time more than me, and they will have financial freedom faster than me if they're still consistently

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uh investing yeah yeah

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and that's the key too you have to keep doing it yeah right right start young so

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if you're still young that's good news for you yeah you you have a lot of like huge advantage right

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because time is on your side so if you can start young and you keep doing it every month

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you will get very wealthy right

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because in investment industry we all say we always said

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that time is your friends

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so time in the market is more important than timing the market okay right right

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so four four okay all right just have to watch um and be careful right and be aware okay

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um how about these words they always like come together fear

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and greed because we hear it all time

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when it comes to investment right yeah fear

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and greed that's that's where um people choose to like buy

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or sell or yeah um how scary is it four four right okay because um emotion

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always influence reason okay in the statistic of the stock exchange of thailand thai investors always sell their stock

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when they have around 10 % profit.

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And they will cut lots when they've got around 30 % drop.

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Okay.

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So this formula means Thai investor always lots around 20 % every time, right?

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That's because of their fear and greed every single time.

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Okay.

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So be aware of um in the market okay

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so what you're saying is

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that we should not uh invest uh according to emotions right okay

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so according to what should we be investing then uh i mean fundamental okay

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or your long -term goal because a lot of people have long -term goal like okay i invest for retirement, right?

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It's around 20, 30 or 40 years.

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But when times come like war in Iran or even tariffs from United States of America,

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they're so scared about current situation.

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They fear the sale.

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And after that, they're out of the market.

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And they're not confident to back in the market again

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so that's why they will meet some opportunity at that time yeah

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and me personally i found out that the tool

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that can get rid of greed and fear is dca right ah yes yeah

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because you're not going uh with the market uh through your emotion

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because when even though the situation get how good it gets

478

or how bad it gets it has nothing to do with your habit yes with your tool of like consistently saving up.

479

Maybe you can consider DCA.

480

You can be an investment guru, I think.

481

I cannot be a guru.

482

But I think I get a lot of good concept or habit out of knowing DCA, how DCA works.

483

So it's pretty scary if you're not on to your own emotion.

484

greed and fear can lead you to such an unwanted place yes yes

485

and nowadays we saw a lot of bad news every single minute yeah

486

because we can get like fear

487

or you can get scared every day every single day by

488

like news right yeah okay to be aware of um information yeah okay i agree how How about this one, the last one, panic selling?

489

Uh -huh.

490

Followed by fear and greed, right?

491

Right, greed too.

492

In the historical data, they told that if some day is the worst day of the stock market,

493

they are always followed by the best day.

494

Oh, okay.

495

As always, in 1987 to 2025, S &P 500 in almost 40 years.

496

You know, if you just meet five best days of the market, your return will drop around 40%.

497

It means if you not stay invested, if you are on and off,

498

if you're trading, if you panic sell, you will miss a lot of opportunity for gain right you'll miss out yes

499

so be careful of um time the market I would say again

500

that time in the market is important than time in the market.

501

How do we know when to do?

502

Or how do we know when to protect your money?

503

So back to the basics, I think you have two things.

504

First, you have to have an emergency fund.

505

That you make sure that your life is okay

506

if there are some like COVID -19 or even war or some crisis, right?

507

You can stay and survive around three to six months or more than that.

508

This is the first thing.

509

The second thing is you have to know what are your

510

interests what is what are you investing like you have to

511

know what stock is it what um like um capability for survive of the crisis of your asset

512

if you understand what is it gonna be it will make you feel a bit calm right not

513

so panic because a lot of people who's panic they follow somebody i see Follow the market, follow some idols, follow some traders.

514

And do what their friends told them.

515

Right, right.

516

Yeah, so stay informed and really know what you invest in, right?

517

The stock, the assets.

518

Yeah, so like, yeah, knowledge, I think it's a power.

519

Right, right.

520

Yeah, and this is no exception.

521

You have to have knowledge in investing too

522

so yeah keep learning uh -huh yeah

523

and every crisis you learn are you a person who take risks

524

or not right maybe because when we have like assessment to check

525

that okay your risky skill is oh one to five we

526

always said okay we can take a lot of bricks right

527

but by the way when you in the market you know what exactly you are yeah because

528

when it actually happens yeah you you know how you feel

529

right right you you can get panicked you can get very chill and

530

and that's how you learn about yourself in terms of investing

531

habits too do you think your habits of investing change through the years oh yes change a lot okay

532

because um around 10 years ago i always um hunt the market Yes,

533

I'm trying to choose the things, the theme, the country, or the stock that's going to give me more than average.

534

Like, okay, maybe average is around 8 % to 9%, right?

535

But if I want more, it's around 10 % plus.

536

However, I know that even I'm in the field, I read economics and investment news every single day

537

but I still follow the market

538

so I changed my way of investment to global equity

539

diversification to every country every theme every concept of investment

540

and then just dollar cost averaging for only two assets global equity

541

and a bit of gold for hedge the risk right okay So what is your goal right now?

542

Because you seem to have achieved everything that a person could want, right?

543

You have your financial freedom, and you have written a book, you have done the show,

544

the content, you have created your own brand, Wealth Me Up, and you've been a guru

545

or a great helper for Thai people who want to be wealthy and be disciplined with their money for a long,

546

long time now.

547

It seems like you've done it all.

548

So what else do you want out of your life right now?

549

To be honest, PBIC, I don't have a plan for my five years

550

or 10 years later

551

but i know one thing i will do every single day best i can do

552

because i i believe in compounding so

553

if i do today best right it means tomorrow it's going to be okay right

554

and it's going to be uh like the parts going to be okay too

555

so i just uh believe in tiny habit person is person is my like a concept of life

556

so I don't know frankly I don't know what what I want to be in five

557

or ten years but I know that okay that's

558

make your moment the best present is present right yeah and that's such a healthy um concept

559

or belief to have i think yeah just just do your best for today

560

and tomorrow will we will be better yeah just have to keep believing

561

that right right okay coming back a little bit for um

562

those of you who are interested in getting this book uh we can get it from bookstore

563

and there's an e -version too, right?

564

That's an e -book version.

565

Right, right.

566

Okay.

567

How was the experience?

568

What was the experience like writing this book?

569

How long did it take you to finish it?

570

More than one year.

571

Really?

572

Wow, okay.

573

Because of my time, because I work a lot and I had no time to like focus on this book.

574

But okay, happily I have team support me and like, okay people it's time to send to us now something like

575

that so finally it's done yeah so what what was the biggest lesson

576

that you have learned from writing this book i think it's an experience of um reader of my fans because

577

when i did like a video it's like a one -way communication right okay i just record it pause it

578

and they okay a bit comments but when i uh written this book

579

and a lot of people like a feedback after reading okay a lot of your team right

580

you mean your team yeah okay yeah yeah okay and and

581

and i i think it's more than like a 100 review

582

that tagged me in my ig story

583

and said like okay be fun i feel like blah blah blah i thank you for to the truth

584

and i not and now i'm achieve something

585

and it's like like a community

586

that we can engage our audience our fans closely then video

587

and it's like uh i share my story in this book right

588

and they think that it's like a tie style of money situation uh -huh

589

so it's like a common ground that we can share together

590

and i feel like it's more than my expectation pb right

591

right i think you get a lot of material like what

592

to write about from from your community from your fans from your readers from your viewers too

593

because you keep communicating with them

594

so you know the real problems from real people right yeah

595

so you can like give them what they actually want yeah

596

so from your experience what would you say is the biggest

597

financial problem for Thai people I would say lifestyle inflation lifestyle inflation yes

598

that is so scary like you said before keeping up with the joneses right right

599

because um if you still compare yourself to others it means you're gonna be like tired

600

and you will not achieve your goal

601

because your goal will get higher higher every time right

602

so i think it's not about knowledge it's about mindset it's

603

not about tools it's about habits it's not about product it's about how you do it

604

because in this um like a social media

605

or even um knowledge around the world not only in thailand everybody can learn about money about investment

606

but um the things that make people success

607

or not is about doing uh -huh so i think not only habits

608

but you have to change every moment you did it

609

because it's gonna make you feel like you're proud of myself

610

and you will know that it's a long way to achieve

611

so don't be

612

so hurry okay let the flow of consistency works let's compile

613

interest works for you yeah i love it it's well i agree with you

614

because everybody has the same knowledge

615

because we all have the same access to the internet right

616

or just the same access to like whatever knowledge there is

617

in the world like the book we can everybody can buy some book right

618

but only people who actually put that knowledge into the real use and have a clear goal and know best about yourself.

619

I think that's something that I learned from you today too.

620

If you don't know about yourself, if you don't know who you are, it's going to be very hard for you to get to your goal, right?

621

And yeah, that's what I love the most about.

622

today's conversation thank you so much for coming

623

and of course i will not let you leave without giving us one of your

624

or two of your most favorite words comedy conference is present

625

present is present like for now you are my here

626

and my now and you the same way thank you so much i really enjoy this talk thank you very much

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Vocabulary and speaking notes for this lesson

This speaking lesson is built on the video “คุยอังกฤษกับ เฟิร์น ศิรัถยา ชีวิตจริงของคนมี Financial Freedom ตั้งแต่อายุ 35”. This video has 19 sentences and 7134 words to shadow. The speech runs for 50:20. The speaker talks at a steady 142 words per minute, a comfortable pace for shadowing. 88% of the words are among the 3,000 most common in English, so the vocabulary is easy to follow. 110 of its 19 sentences are questions, so it is good practice for question intonation and short answers.

Key vocabulary in this video

15 words from the video worth learning, with pronunciation and meaning:

Word	Pronunciation	Meaning
invest verb	/ɪnˈvɛst/	To spend money, time, or energy on something, especially for some benefit or purpose; used with in.
habit noun	/ˈhæb.ɪt/	An action performed on a regular basis.
discipline noun	/ˈdɪsəplɪn/	A controlled behaviour; self-control.
compound noun	/ˈkɑmpaʊnd/	Anything made by combining several things.
routine noun	/ɹuˈtin/	A course of action to be followed regularly; a standard procedure.
scary adjective	/ˈskɛə.ɹi/	Causing fear or anxiety
greed noun	/ɡɹiːd/	A selfish or excessive desire for more than is needed or deserved, especially of money, wealth, food, or other possessions.
compare verb	/kəmˈpɛɚ/	To assess the similarities and differences between two or more things [“to compare X with Y”]. Having made the comparison of X with Y, one might have found it…
lifestyle noun	/ˈlaɪfˌstaɪl/	A style of living that reflects the attitudes and values of a person or group.
wealthy adjective	/ˈwɛl.θi/	Possessing financial wealth; rich.
emotion noun	/ɪˈməʊ.ʃən/	A person's internal state of being and involuntary physiological response to an object or a situation, based on or tied to physical state and sensory data.
panic noun	/ˈpænɪk/	Overwhelming fear or fright, often affecting groups of people or animals; (countable) an instance of this; a fright, a scare.
asset noun	/ˈæsɛt/	A thing or quality that has value, especially one that generates cash flows.
equity noun	/ˈɛk.wɪ.ti/	Fairness, impartiality, or justice as determined in light of "natural law" or "natural right".
consistently adverb	/kənˈsɪstəntli/	In a consistent manner.

Phrasal verbs you will hear

Word	Pronunciation	Meaning
get around verb		To move to the other side of (something, such as an obstruction) by deviating from a direct course or following a curved path.
come back verb		To return to a place.
find out verb		To discover, as by asking or investigating.
keep up with verb		To manage to remain beside or just behind someone or something that is moving away from one.
miss out verb		To miss an experience or lose an opportunity, etc. that should not be missed.
save up verb		To accumulate money, especially for a specific, planned expenditure.
speak out verb		To assert or promote one's opinion; to make one's thoughts known.
wake up verb	/ˌweɪk ˈʌp/	To stop sleeping; to awake.

Sentences worth repeating

Short, complete lines from the video that you can reuse in everyday conversation:

I'm excited too right now.
What do you mean by that?
Someone said I'm a perfectionist.

Grammar in this video

The structures the speaker uses most, with the exact words from the video:

Structure	In the video
Conditional sentences if + clause, will/would + verb — a condition and its result	if you think it's present, you will do
Present perfect continuous have/has been + -ing — an action that started earlier and is still going on	you've been doing · you've been training
Present perfect have/has + past participle — a past action that still matters now	you've reached · we've been · we've talked
Passive voice be + past participle — the focus is on what happens, not who does it	was known · be obsessed · is given

Pronunciation to watch

The speaker uses 104 contractions and reduced forms, such as don't, you're, you've. Say them the short way, as you hear them.

The “th” sounds: wealthy /ˈwɛl.θi/, mathematics /mæθ(.ə)ˈmæt.ɪks/, bath /bɑːθ/, marathon /ˈmæɹəθən/
The “sh” and “zh” sounds: emotion /ɪˈməʊ.ʃən/, inflation /ɪnˈfleɪ.ʃən/, tissue /ˈtɪʃ.(j)u/, meditation /mɛdɪˈteɪʃn̩/, pronunciation /pɹəˌnʌn.siˈeɪ.ʃən/
Long words — get the stress right: consistently /kənˈsɪstəntli/, unnecessary /ʌnˈnɛs.əˌsɛɹ.i/, mathematics /mæθ(.ə)ˈmæt.ɪks/, automobile /ˈɔː.tə.məˌbil/, literacy /ˈlɪtəɹəsi/

How to practise with this video

Listen to the whole video once without speaking and note the words you do not know.
Shadow it sentence by sentence at normal speed, repeating each one until your rhythm matches the speaker.
Record yourself and compare with the original, paying attention to words like invest, habit, discipline.

What is the Shadowing Technique?

Shadowing is a science-backed language learning technique originally developed for professional interpreter training and popularized by polyglot Dr. Alexander Arguelles. The method is simple but powerful: you listen to native English audio and immediately repeat it out loud — like a shadow following the speaker with just a 1–2 second delay. Unlike passive listening or grammar drills, shadowing forces your brain and mouth muscles to simultaneously process and reproduce real speech patterns. Research shows it significantly improves pronunciation accuracy, intonation, rhythm, connected speech, listening comprehension, and speaking fluency — making it one of the most effective methods for IELTS Speaking preparation and real-world English communication.

Shadowing technique: read the full step-by-step guide →

Shadowing Practice: คุยอังกฤษกับ เฟิร์น ศิรัถยา ชีวิตจริงของคนมี Financial Freedom ตั้งแต่อายุ 35 | คำนี้ดี Feat. EP.196 - Learn English Speaking with Video

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Vocabulary and speaking notes for this lesson

Key vocabulary in this video

Phrasal verbs you will hear

Sentences worth repeating

Grammar in this video

Pronunciation to watch

How to practise with this video

What is the Shadowing Technique?