Prática de Shadowing: Do This EVERY Time You Get Paid (Paycheck Routine) - Aprenda a falar inglês com vídeo
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It's Friday, just got paid.
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New shoes, new restaurant, movies, and it's gone.
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When it comes to payday, it's hard to know the best things to do with your money.
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So today I'm going through step -by -step the eight things
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you need to do with your money as soon as you get paid.
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The first and most important thing you need to do is find your financial baseline.
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When it comes to personal finance, most people feel like it's too much work, but that's why most people struggle.
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64 % of Americans live paycheck to paycheck because they commit one of the worst financial mistakes.
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In psychology, they call it mental accounting.
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Basically, it's when you mentally categorize your money instead of physically writing it down.
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In May, you might receive a tax refund from the IRS and you mentally categorize this as extra fun money.
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You get excited and start spending it.
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A new PS5, a new TV, or Mr. Magic Lamp.
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The problem is, this money is the same as your regular income.
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You just pay too much in taxes and the IRS is just returning it.
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The good news is the solution is simple.
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Open up a spreadsheet and take account of all your monthly expenses.
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Rent, internet, pineapple pizza, floss.
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So putting all this together in a Google Sheet was a great way for me to discover how much
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I needed to survive every month with my current lifestyle.
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I'm self -employed so my income varies widely and this is just a great number to know.
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Alright, now for the real work.
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Delete the expense items that aren't your core essentials.
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Yeah, that means Netflix, staplers, your Candy Crush subscription, and then sign up for my free weekly newsletter,
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Rethinkable, to build a wealthier and healthier life, link below.
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After a grueling self -reflection moment, you should end up with just a few core expenses.
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First, housing, which could be rent or mortgage.
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Generally, you want this to be under 30 % of your income.
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Second, groceries and food, about 10 % of your income.
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Third, insurance and utilities, like internet, cell phone, and electricity, about 10%.
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This number now becomes your financial baseline, the absolute bare minimum you need to survive each month.
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Aim to keep your financial baseline under 50 % of your total income.
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If it's over, look for expenses that you can easily swap for cheaper ones.
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Do you really need that apartment with an indoor pool, a phone plan that has satellite coverage, or free -range organic pasture -raised avocados?
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Knowing your financial baseline builds the foundation for the next step.
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What would it feel like to have saved up to six months worth of expenses in your bank account at all times?
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Imagine the kind of freedom and peace of mind you'd have knowing that if you ever got sick,
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lost your job, or get injured, you'd be completely fine.
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This is why having an emergency fund is crucial.
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Mathematicians explained why with the Murphy's Law.
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Basically, everything that can go wrong will go wrong.
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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.
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A study found that as much as 56 % of Americans can't afford an unexpected $1 ,000 expense,
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and 22 % don't have an emergency fund at all.
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I remember when I got into a car accident when I was 20 that cost me about $5 ,000 to fix.
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If I didn't have an emergency fund saved up, I might have needed to take out a loan and paying back
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that loan with interest would have easily cost more than $7 ,000.
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Generally, you want your emergency fund to cover six months of your financial baseline.
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If your baseline is $3 ,000 a month, you need to save $18 ,000 for emergencies.
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Emergencies don't include a wild night out, vacations, or pineapple pizza cravings.
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The money should only be used when all hell breaks loose,
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when your house floods, when you get stranded in the middle of nowhere and have no other options.
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Basically, when your life is FUBAR, that's when you use your emergency fund.
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Once you fill your emergency fund immediately moves to the next step.
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77 % of American adults are in debt, and this is something that we've just all accepted as the norm.
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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.
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One of the worst things with debt is that it strangles your monthly income.
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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.
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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.
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If you have a credit card balance of $6 ,500 with an interest rate of 19 .5%,
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and you decide to only pay the minimum payment of $130 per month, it's going to take you eight years.
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Eight years to pay it all off with an additional $6 ,000 in interest.
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So what's the best strategy to pay off your high interest debt early?
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There are two ways to do this.
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You could tackle the high interest rate loans first.
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Credit cards, payday loans, car loans, stuff with an interest rate of 10 % or more.
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Pay off the highest interest rate first and then move on to the next loan.
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This is called the avalanche method, and mathematically speaking, is the cheapest and most efficient way to pay off your loans.
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Another option is called the snowball method.
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Although it is less efficient, it takes a more psychological approach.
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Instead of focusing on the interest rates, you tackle the smallest loan amount first.
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You'll be able to pay these off quicker, which builds momentum and motivates you to keep going.
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For me, when I first got serious about personal finance and paying off my debt, I consolidated everything into a Google spreadsheet.
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It contained each debt, the amount I owed, and their interest rate.
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Every time I made a payment, I would open up the spreadsheet and manually adjust the remaining amount.
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Every other day, I would visualize paying off the debt until everything went to zero, and this motivated me to keep pushing.
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After you pay off your high interest debt, you'll have a bit more wiggle room with your monthly income.
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But before you do anything, you need to prioritize the next step.
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When it comes to investing, most people think of flashing screens, day trading, and aggressive screaming.
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But apart from what you've seen on Wolf of Wall Street, investing doesn't need to be hard or overwhelming.
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The basics are easy, and once you're familiar with them, you could make millions in your lifetime.
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Einstein once said, Compound interest is the eighth wonder of the world.
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He who understands it, earns it.
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He who doesn't, pays it.
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Compound interest is the reason that you should have started investing yesterday.
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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.
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If you invest $6 ,000 each year from 25 to 65 years old with an annual return of 10%,
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you'll end up with a total of over $2 .7 million.
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If you choose not to invest and instead you just keep that money under your mattress,
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you're going to end up with a total of $240 ,000.
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That difference is huge and that can easily change your life.
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You can get my free investing starter kit to learn the basics of stock investing to easily and confidently start investing today.
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Link below.
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The problem is, which investing account should you invest with first?
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Taxable brokerage, 401k, IRA, HSA.
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Knowing which to prioritize will maximize your returns and minimize your taxes.
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For most people, you should first put money into your 401k account, a workplace retirement plan that offers matching contributions.
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Essentially, free money.
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If your 401k plan offers this match, contribute enough to meet the matching amounts.
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When it comes to your 401k, not only can you get free money, you can also lower your taxable income.
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If you earn $90 ,000 a year and your employer matches up to 3 % of your salary,
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that means they'll give you $2 ,700 of free money.
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If you contribute 10 % of your 90k income to your 401k plan,
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when tax season comes, you'll only pay taxes on $80 ,000 instead of your 90K salary.
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After you max out your employer match with your 401k, contribute to a Roth IRA account.
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Unlike the 401k where contributions are pre -tax, with a Roth IRA, contributions are post -tax,
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which means you'll first pay taxes on your $90 ,000 salary before you can add it to your Roth IRA.
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The advantage of a Roth IRA is that you don't have to pay taxes on any of the earnings in this account,
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and you can withdraw your contributions at any time.
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So even though you're contributing money into a retirement account, you can withdraw money from the principal whenever you want.
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After taking advantage of your retirement accounts, it's time to invest with a regular taxable brokerage.
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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.
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For me personally, I've been investing with Moomoo for years.
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And for a limited time, if you create an account with my link below and meet the deposit requirements,
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you can get up to 16 stocks for free.
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With all my investment accounts, I primarily invest in low -cost mutual funds for the long term.
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When you invest for the long term, you're not checking your account every day, week, or month.
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You're putting your money in, you're making sure you have everything set, and then you're checking it maybe twice a year.
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But you're not stressing out every time the stock market's having a panic attack.
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The problem is, most people just can't stomach the ups and downs the market takes, and over the past year,
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things have been looking a bit dicey.
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Normally, this is when people make one of the worst financial mistakes.
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In finance, they call this timing the market.
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Basically, it's when the market isn't doing too hot, so you decide to stop investing or pull all your money out
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and wait on the sidelines to get back in the right time.
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There's two problems with this.
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First, you don't know if the stock market is going to go lower or higher because no one knows.
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Just like how economists have predicted 30 out of the last three market crashes.
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Second, even if you pull out at a really fantastic time when the stock market was really high and then it crashes,
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you need to be right a second time to put it back in at the right time.
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The best solution based on hard data and math is to simply invest a fixed amount every month consistently.
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Doesn't matter whether it's going up, doesn't matter if it's going down.
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Let's say you invest $200 into Apple stock every single month for five years.
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If you're investing a fixed amount of money each time you buy,
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you'll get more shares when the stock price is lower and fewer when the stock price is higher.
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Over time, this will minimize the cost per share you pay for your stock.
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So if you have $300 to invest and you're looking at a very volatile stock called Magic Lab Company,
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in the first month it's $10 per share.
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In the second month it's $5.
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In the third month it's $20.
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Here's where dollar cost averaging comes in.
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Say you want to invest $100 a month for three months.
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So at the end of three months, you would have bought 10 shares in the first month, 20 shares in the second month,
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and then five shares in the third month.
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So now you have 35 shares for $300 for an average price per share of $8 .57.
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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,
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but it's also not the most expensive at $20 per share if you bought everything in the third month.
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After you're invested, move on to the next step.
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When it comes to life, time is the most valuable resource.
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It's the only thing we can't buy more of.
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At the end of the day,
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it doesn't matter how much money you have or save if you don't actually have the time to enjoy your life.
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In economics, they call it opportunity cost.
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Basically, the time you spend doing something is time not spent on doing something else.
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On Sunday, you might spend three hours washing the floors, wiping the windows, throwing out the trash,
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but what if you spent those three hours working on a side hustle?
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If you can make $90 in three hours and you can hire someone to clean your house for $30,
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then your time might be better spent on the side hustle.
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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.
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Write down tasks that you absolutely hate to do.
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Cleaning the toilet, mowing the lawn, or driving 40 minutes to get groceries.
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Write down how much time it takes you to do each task.
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How much money you could be making if instead of doing this task, you were just working on your side hustle.
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Then look into how much it costs to hire someone else to do the task.
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So putting all this together was helpful to see
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if it made more financial sense to hire someone to do something or to keep doing it myself.
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But the most important step of all is this.
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I remember for a long time, I did everything manually.
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Paying my bills, saving for a house, investing.
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The problem is this takes dedicated time and brainpower every week.
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In psychology, they call it decision fatigue.
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Basically, when you make a lot of decisions during your day, the quality of each new decision decreases over time.
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In the morning, you might be able to make really great choices one after another.
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But later that evening, when you get closer to 10 ,000 decisions, you might make mistakes that you later regret.
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Buying a pair of AirPod Max, Mr. Magic Lamp, or this overpriced stapler.
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But what if I told you that you can easily automate your finances so you never need to think about it again?
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When it comes to setting up guideline automation, it's going to save you so much time and headache in the long run.
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Nowadays, I don't have to think twice about whether I paid my bills, if I invested this week.
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I don't need to track anything because I know it's already done.
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Here's how to do it.
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First, make sure your paychecks are automatically deposited into your checking account.
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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.
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Your spending account includes fixed monthly bills and essential expenses like groceries, gas, and pineapple pizza.
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By knowing how much you'd normally spend in a month, set spending targets for non -essentials like restaurants, movies, and Uniqlo.
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Then set up automatic transfers at the end of the month to move what's left over into your second account, savings.
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From here, the money and savings should flow into whichever step you're at saving for an emergency fund,
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paying off high interest debt, investing, or opportunity costs.
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And that leads me to something that you've got to start accepting.
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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.
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And that might be because you don't know these 14 subtle signs.
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Click here to find out if you're financially doing better than you think.
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Vocabulário e dicas de fala para esta lição
Esta aula de conversação usa o vídeo “Do This EVERY Time You Get Paid”. As palavras que mais se repetem: month, account, interest, invest, investing. Este vídeo tem 191 frases e 2665 palavras para praticar shadowing. A fala dura 14:02. O falante fala rápido, cerca de 190 palavras por minuto, então espere sons ligados e reduzidos. 85% das palavras estão entre as 3.000 mais comuns do inglês; vale a pena estudar o restante antes de começar.
Vocabulário principal deste vídeo
15 palavras do vídeo que vale a pena aprender, com pronúncia e significado:
| Palavra | Pronúncia | Significado |
|---|---|---|
| invest verbo | /ɪnˈvɛst/ | investir |
| expense substantivo | /ɪkˈspɛns/ | despesa |
| baseline substantivo | /ˈbeɪslaɪn/ | referência |
| contribute verbo | /kənˈtɹɪb.jut/ | contribuir |
| contribution substantivo | /ˌkɑntɹɪˈbjuʃən/ | contribuição |
| pizza substantivo | /ˈpi.tsə/ | pizza, piza |
| hire verbo | /ˈhaɪɹ/ | contratar, alugar |
| salary substantivo | /ˈsæləɹi/ | salário |
| hustle verbo | /ˈhʌsəl/ | apressar-se |
| groceries substantivo | /ˈɡɹoʊ.s(ə.)ɹiz/ | compras |
| pineapple substantivo | /ˈpaɪnəpəl/ | ananás, abacaxi |
| earn verbo | /ɝn/ | receber |
| efficient adjetivo | /ɪˈfɪʃənt/ | eficiente |
| essentially advérbio | /ɪˈsɛnʃəli/ | em essência, essencialmente |
| automatic adjetivo | /ˌɔː.təˈmæt.ɪk/ | automático |
Phrasal verbs que você vai ouvir
| Palavra | Pronúncia | Significado |
|---|---|---|
| pay off verbo | compensar | |
| set up verbo | /ˌsɛt ˈʌp/ | preparar |
| write down verbo | anotar | |
| find out verbo | descobrir | |
| go down verbo | descer | |
| go up verbo | subir | |
| keep up verbo | manter | |
| pay back verbo | /peɪ bæk/ | devolver |
Frases que vale a pena repetir
Frases curtas e completas do vídeo que você pode usar na conversa do dia a dia:
- 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.
Gramática neste vídeo
As estruturas que o falante mais usa, com as palavras exatas do vídeo:
| Estrutura | No vídeo |
|---|---|
| Present perfect continuous have/has been + -ing — uma ação que começou antes e continua | I've been investing · have been looking |
| Voz passiva be + particípio passado — o foco está no que acontece, não em quem faz | be used · is called · are automatically deposited |
| Present perfect have/has + particípio passado — uma ação passada que ainda importa agora | you've seen · have predicted |
Pronúncia para ficar de olho
O falante usa 57 contrações e formas reduzidas, como you're, don't, you'll. Diga-as na forma curta, do jeito que você ouve.
- Os sons de “th”: withdraw /wɪðˈdɹɔ/, wealthy /ˈwɛl.θi/, eighth /eɪtθ/, mathematics /mæθ(.ə)ˈmæt.ɪks/, mathematician /ˌmæθ.(ə.)məˈtɪʃ.ən/
- Os sons de “sh” e “zh”: contribution /ˌkɑntɹɪˈbjuʃən/, efficient /ɪˈfɪʃənt/, essentially /ɪˈsɛnʃəli/, wash /wɑʃ/, flash /flæʃ/
- Palavras longas — acerte a sílaba tônica: contribution /ˌkɑntɹɪˈbjuʃən/, essentially /ɪˈsɛnʃəli/, automatic /ˌɔː.təˈmæt.ɪk/, psychology /saɪˈkɑ.lə.d͡ʒi/, manually /ˈmænj(u)əliː/
Sons difíceis para falantes de português:
- Consoante final — sem acrescentar um “i” depois: invest /ɪnˈvɛst/, contribute /kənˈtɹɪb.jut/, efficient /ɪˈfɪʃənt/, automatic /ˌɔː.təˈmæt.ɪk/, deposit /dɪˈpɑ.zɪt/
- /l/ final — a língua toca o céu da boca, não vira “u”: hustle /ˈhʌsəl/, pineapple /ˈpaɪnəpəl/, lifestyle /ˈlaɪfˌstaɪl/, tackle /ˈtækəl/, crucial /ˈkɹuː.ʃəl/
- /h/ — um sopro suave, diferente do “r”: hire /ˈhaɪɹ/, hustle /ˈhʌsəl/, helpful /ˈhɛlp.fl̩/, nowhere /ˈnoʊ.(h)wɛɹ/, headache /ˈhɛdeɪk/
Como praticar com este vídeo
- Ouça o vídeo inteiro uma vez sem falar e anote as palavras que você não conhece.
- Comece na velocidade 0,75×, faça shadowing frase por frase e volte à velocidade normal quando ficar fácil.
- Grave a sua voz e compare com o original, prestando atenção a palavras como invest, expense, baseline.
O que é a Técnica de Shadowing?
Shadowing é uma técnica de aprendizado de idiomas com base científica, originalmente desenvolvida para o treinamento de intérpretes profissionais. O método é simples, mas poderoso: você ouve áudio em inglês nativo e repete imediatamente em voz alta — como uma sombra seguindo o falante com 1-2 segundos de atraso. Pesquisas mostram melhora significativa na precisão da pronúncia, entonação, ritmo, sons conectados, compreensão auditiva e fluência na fala.