Shadowing Practice: She's 55 and Not Sure She's Ready for Retirement - Learn English Speaking with Video

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35 sentences
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1
I am getting ready for retirement, hopefully in the next four years.
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And I want to find out if I'm ready for it.
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Being that I had just purchased a new home last year, I put down about 30%, and I still owe about $220.
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But I want to find out if the $600 ,000 that I have in my 403B, I have my three months worth of expenses,
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and I'm on baby step six now, wanting to pay off that mortgage.
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What do you make?
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Right now I make about $150 ,000.
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Good for you.
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And I know my pension will be about $98 ,000 a year.
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Wow.
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You're in great shape.
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I don't know if I feel like that.
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Is your $220 ,000, that's the mortgage, and you have $600 ,000 invested.
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Is the $600 ,000 invested in good growth stock mutual funds?
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Is it growing?
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I have the option of putting what I invest now, which is 17 % of my salary, in like a fix.
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No, we don't do fixed.
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I'm scared.
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7 % sucks.
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You should have some good mutual fund options of some kind in that 403B.
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I want you to be in good growth stock mutual funds, something like an S &P 500 type of a thing.
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And you've got four more years.
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You said you're looking at a four -year horizon.
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If you invest your $1 ,800 or your $1 ,900 a month, that still gets you to $1 ,042 ,000.
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And don't take it out.
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All right?
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Just ride it.
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Because you're going to be making $100 ,000 a year as a pension.
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And in that five years, get the mortgage paid off.
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And then that house is going to be worth a million dollars and you're going to have a million dollars.
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And by the time you get to 70, you're going to have four million dollars.
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So you're going to be fine.
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Live on your pension and let this all grow.
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I think you're in pretty good shape.
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I just don't want you to be in fixed.

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What You'll Learn

This video clip helps you build two key speaking skills: discussing financial plans clearly and expressing uncertainty politely. You’ll practice phrases like “I want to find out if I’m ready” and “I don’t know if I feel like that” to share goals and doubts—perfect for real-life conversations about money or big life decisions. You’ll also learn to follow and respond to advice, a common skill in everyday interactions.

Listen For These Sounds

Notice the connected speech in the dialogue. For example, “What do you make?” often sounds like “Whaddya make?” with the “t” in “what” and “d” in “do” blending. Also, “I’m scared” might be reduced to “I’m scairt” in casual speech, with a softer “ed” sound. Listen for how “$600,000” is spoken as “six hundred thousand” without pausing between numbers—this linking helps you sound more natural when talking about large figures.

Say It Like a Native

To mirror the speaker’s rhythm, stress the key words in sentences. In “You’re in great shape,” emphasize “great” to show confidence. When the speaker says “Live on your pension and let this all grow,” the stress is on “live” and “grow” to highlight the main advice. Practice using the shadowing technique: repeat the lines out loud right after the speakers, matching their pace and tone. This helps you pick up the natural flow—try it with a shadowing app to track your progress! Remember, native speakers often stretch words like “Wow” or “sucks” for emphasis—don’t be afraid to do the same. With shadow speech practice, you’ll soon sound more fluent and confident in these types of conversations.

Whether you’re using shadowing to master financial vocabulary or just want to improve your everyday speech, this clip is a great tool. Keep practicing, and you’ll nail the rhythm and stress that make English sound natural!

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 →