Prática de Shadowing: Your House Is NOT An Asset (Here's Why) - Aprenda a falar inglês com vídeo
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Hate to break it to you, Lewis, but your house is not going to put food on the table.
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Because it doesn't pay you an income.
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It's an expense.
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It's an expense.
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property tax fixing stuff all the expenses insurance everything man it's expensive And now they say, well, what if I pay off my house?
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Okay, great.
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You paid off the house, but now you still got the property taxes and the insurance.
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And let's say, Louis, you bought your house in a great area.
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Well, let's say you bought a half a million dollar house.
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You bought it in a gray area, now it goes up to a million dollars.
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You're going to say, just look at me.
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I got a million dollar asset I'm sitting on.
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Good, I'm happy for you.
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Now you have to pay property taxes on a million dollar house.
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Because if your house goes up in value, so do your property taxes every year.
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You have to now insure a million dollar house.
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Thank you.
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And now what happens is maybe you have an income from your job to keep paying that.
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But what if you stop working?
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Maybe you retire.
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Maybe you can't work.
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You still have to pay these expenses.
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Or maybe now you've built this house.
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You paid it off.
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You were able to support the cost.
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And now you pass it down to your kids.
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Well, now your kids have to pay to support this billion -dollar house.
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And why do now so many of these kids have to liquidate the house and sell it?
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Because they can't afford the cost of just keeping the house.
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So now we think that buying this house is going to make us wealthy and when in reality, that's not always true.
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Now, I'm not saying it's bad to own a house.
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I'm not saying you shouldn't own a house.
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In fact, it's a very good thing to own a house and pay it off.
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But the mistake that many people make is they think, Jaspreet, I'm going to get a good job, invest in my 401k and buy a house and I'm going to be set.
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When you have that sort of mindset, you're thinking like everybody else.
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And right now, America is facing the largest retirement crisis of history because everybody thought if I got a good job,
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I invested in my 401k and I owned a house, I'm going to be set.
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Just do the math.
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Those are the people now that are facing this retirement crisis.
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What makes you think that it's going to be easier for you
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when we have a more volatile stock market where inflation is a bigger problem now than it was for the previous generation?
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What makes you think that all of a sudden it's going to be easier for you?
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They say the definition of insanity is doing the same thing and expecting a different result.
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Well, here you are.
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And so when we think about the house, I'm gonna talk about one more thing about it, because then people will say, well Jaspreet, If I have to pay $3 ,000 a month,
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isn't it better for me to build equity as opposed to making my landlord richer?
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Yes.
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But that's not always what's happening.
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Because when you get a 30 -year mortgage...
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and you're paying $3 ,000 a month, it's not $1 ,500 going to your bank and then $1 ,500 going to principal.
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80 % is going towards interest.
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In fact, more in the beginning.
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And so it's not for the first 15 to 20 years of a 30 year mortgage. That.
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more than half of your payment is going straight into your banker's pocket with interest.
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And then the other small percentage is going to your principal
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And now we have to assume that you don't do a refinance because if you refinance on year eight, Well, now you start the process all over again.
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And so again, I'm not against the owning your house.
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In fact, I would prefer you to own your house than rent it.
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The mistake that people make is I buy my house thinking that it's going to make me rich.
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So how about you buy a little bit bigger, a little bit nicer because it's the biggest investment of your life.
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And when you think it like that, and I'm telling you, and I speak from experience because I worked as a realtor.
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and in that sales training what did they teach you you were selling the best and biggest investment of somebody's life
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easy to get you to buy bigger when I'm selling you an investment, right?
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I'm not selling you an expense.
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Hey, Lewis, here's the biggest expense of your life.
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This is the biggest money pithole you're gonna have.
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I'm not gonna sell.
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I have to say, Lewis, this is the best investment.
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This is an investment for your kids.
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Yeah, your family's gonna have memories here for decades.
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And And that's Thank you.
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It makes sense.
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But when you start to do the math, you realize that maybe, maybe owning the house isn't as good of an investment as you originally thought.
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And so this is where now we start to realize maybe some of the things that I was taught was wrong.
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If you really need to get over the hump, because sometimes we have that ego and I had that too.
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But once you start to realize that, oh, crap, I need to do something different.
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Now you realize what I realized was everything that I was told was a lie and I need to restart my learning.
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Mm -hmm.
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And now you're like, oh crap, I got to start over.
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But you're not starting over.
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What you're doing is now just shifting the direction.
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And now you can start to accelerate the path towards wealth which will give you the true freedom.
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One of the things that I've learned in life, is that oftentimes the things you don't pay attention to end up mattering the most.
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And that's why I wanna talk to you about life insurance with our sponsor, Policy Genius.
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Because if you don't have the assets to live off of yet, and something tragically happened to you,
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The last thing you want is now your spouse and your family trying to struggle to survive financially, and that's where term life insurance can come into play.
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Now, I'm talking about term life insurance here, not whole life insurance.
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The whole idea with term life insurance is it's life insurance for a period of time, 10 years, 20 years, 30 years.
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That way you can work to build your assets.
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It is a lot cheaper than whole life insurance
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because the whole idea is you're not here trying to get rich off your life insurance.
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your assets.
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This is one of those things where the earlier you start, the cheaper it is.
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Because if you're a healthy 30 -year -old guy, you could potentially get a half a million dollar term life insurance policy for less than a dollar a day.
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So if you have any questions, you want to learn more about term life insurance, or you want to see how much a term life insurance policy would actually cost you, I'll put a link to Policy Geniuses' form down in the description.
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It only takes a few minutes to complete, and it'll give you an actual quote on how much term life insurance will actually cost you, and I have that link for you down in the description.
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You know, if someone's watching or listening to this right now thinking their entire life has been lied to about money, finances, how to invest.
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If I do these things, then I'll be safe in the future.
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What would you say then are the three biggest money rules?
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that wealthy people do that most people aren't following.
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Well, I think you can break it down into three steps because there's three stages of wealth.
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And I'm going to break it down into...
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Phase 1: Getting the money.
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Yeah.
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Phase two.
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Growing the money.
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Phase three, protecting the money.
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Phase one.
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Getting the money.
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is all about now How are you going to just...
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Lay the foundation for your finances.
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How are you going to make money?
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And people say, well, what business should I start?
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What job should I get?
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I don't care.
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Do what you...
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believe is right for you.
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Sometimes it's what you like, sometimes it's not what you like, but you got to figure out how you're going to earn money.
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Figure out how you're going to earn more money and then create a system for your money.
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So, Here's a few basic rules.
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Number one, If you have credit card debt, If you don't have $2 ,000 saved up for an emergency, you are in what I call the financial danger zone.
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Now, I'm going to probably upset some of your listeners right now, Louis, but I'm going to do this because I want people to be better with money.
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I don't say this to make friends.
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If you have credit card debt or if you don't have $2 ,000 saved up...
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You should not go and see the inside of a restaurant.
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You should not go on another vacation, and you should not have a Netflix subscription.
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Or go to Starbucks or...
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Yeah, yeah.
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All of those with little expenses are destroying your finances.
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Now why am I saying no Netflix?
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It's not because of the $15 a month.
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It's because the average American is watching more than two hours, it's actually over three hours, but I like to say two hours, more than two hours of TV a day.
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And if you're broke with credit card debt, Without $2 ,000.
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You don't have the luxury to watch TV.
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You don't have the luxury to.
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Yeah.
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You need to use that time to earn money.
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or learn skills, develop those skills and money.
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Now, the reason why I'm so aggressive about this is because
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let's assume now you got a little bit of cash saved up.
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You got $8 ,000 saved up in the bank right now.
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If you took the $8 ,000 today, and you invested it, and you could get a, let's just say 20 % return on your money.
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for the next 40 years.
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You're not going to retire with half a million dollars.
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And I'm also going to assume that you never invest another penny in that.
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Only the $8 ,000 today.
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You're not going to retire with a half million dollars
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or a million dollars or $2 million or $5 million or $10 million.
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You're going to retire a deca millionaire with over $11 million.
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Now you're going to say, Jaspreet, that sounds pretty good.
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Sign me up.
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I got $8 ,000.
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Well, here's the reality: you're probably not going to get those returns.
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Do you want to know who is?
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Amex, Visa Discover, MasterCard, and you're the one that's paying that.
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Because the average American household with credit card debt has $8 ,000.
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Wow.
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The average APR on credit card debt That's 20%.
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So if you, instead of making them rich, took that money, and you could get those same returns, you would be incredibly wealthy.
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But that's why they're flying high in private jets with those big buildings.
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It's because you're working hard to make them rich.
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So when it comes to that getting money, you got to first lay that foundation, get out of the financial danger zone and create a system for your money.
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I like to teach 75, 15, 10, which is for every dollar that you earn from here on out.
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75 cents is the maximum that you can spend $0 .15 is the minimum that you invest.
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Ten cents.
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is the minimum that you save.
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This way, every time you get paid, You're always putting money aside to save and invest.
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before you spend all of your money because what?
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wealthy people do we talked about is their money is making them money how do they do
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that it's because they own the assets how do they get
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that because they take their money
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and they don't spend all of it they always have money to save
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and invest before they spend all of it
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so create three bank accounts don't do this out of one
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one for your spending money one for investment money one for
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your savings money yeah 75 15 10 75 of the every dollar the maximum
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You can spend a 75 % as what I'm hearing you say.
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Yep.
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The minimum is 15 % to invest.
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and the minimum is 10 % to save.
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And imagine if you could do the minimum to invest would be 40%.
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of every dollar that'd be incredible.
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if you're able to invest more than just 15 you may not be able to with expenses
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but imagine if you bump that number up every month You're powerful.
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And that now goes into the mindset of how do you build your wealth?
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Because The first, I'm going to take a step back here because anytime we talk about money,
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a common feeling that I think a lot of people feel.
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is I don't know Jaspreet, I don't feel right.
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I'm talking about money and I don't feel right saying I want to be wealthy.
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Why do people fear the idea of wanting to be rich
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or looking at people who have money as bad and wrong or judging them as negative?
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Well, I think there's a few reasons why.
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I'm going to start with our own money traumas.
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If you grow up and your parents tell you, we can't afford this.
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We don't have money for this.
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That's too much money.
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That's only rich people stuff.
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Now, all of a sudden, you grew up believing that...
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I...
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don't have the ability to have these things and the people that do are rich people Now,
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maybe you grew up hearing that rich people are great and they have the money to do that.
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But most people don't.
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There's a lot of vilification around this idea of they must have done something bad, slimy, sleazy, or...
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not nice to achieve that money. when Let's reframe this.
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What if you grew up being told, We can't afford it yet.
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we don't have the money yet.
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It's too much money today.
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But if we do this, this and this, we will be able to comfortably afford this now we start to reframe how we think
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And the problem is a lot of times we grew up with these traumas that money is bad, evil, and then we...
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comfort ourselves by saying the people that are affording it are bad.
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Because now we have these insecurities around money because why can somebody like me who works hard, got a good degree, checked all the boxes,
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how come I can't do it?
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but they can.
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This guy without a college degree has a lot of money.
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I And, uh...
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somebody who got a degree, good credibility, I got a good job.
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Why am I struggling with money?
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I hear this a lot because I hear, Jaspreet, my wife and I are doctors.
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We make $500 ,000 a year.
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We have zero assets.
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What is going on?
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And then I start looking at, their numbers and I see, okay, you got a Benz, you got a Range Rover.
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You guys are traveling on these nice vacations, first class, multiple times a year.
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You're staying at the nice hotels.
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You're always buying the organic blueberries.
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It's like there's a lot of different things and you realize, oh, it's not just how much money you make, it's what you do with that money.
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and Now when you start to just...
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create that tension, you start to realize, oh my God, I can't ever have these nice things.
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Money is bad, it's evil.
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Well, now let's reframe that and understand how money plays a part in your life.
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Because the reality is it costs money to eat and it costs money to feed other people.
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Money is a part of life.
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You want to pay your bills?
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You got to have money.
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If you don't believe me, call up your bank and say, hey, I don't got money.
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Can I give you a hug this month?
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They're not going to like that very much.
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No. But once you understand that money is a part of life, You can then realize it's not the only part of life.
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Because.. and you and I have talked about this before that If you really want to live a happy and fulfilled life, you need to be physically fit.
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You need to be mentally fit.
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You need to be spiritually fit, but also financially fit. Because...
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if you are not financially fit.
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If you're always stressing about money, what happens next?
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Well, now your relationship suffers.
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because you and your wife are now going to be arguing because you're stressed about bills, because you want to go on a vacation,
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you want to buy your wife that nice purse, or you want to buy your husband a nice watch.
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but you don't have the money, you want to buy college for your kids, It's stressful.
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Money problems are one of the leading causes of divorce and also suicide.
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It's a real thing.
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But yet we're scared to talk about the topic of money.
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And when you realize the hate, I need to be physically healthy.
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I need to be mentally healthy.
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I need to be spiritually healthy.
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And I need to be financially healthy.
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And there are four independent parts of my life.
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Now you can understand, okay, it's not bad for me to want to learn money.
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It's in fact important because we live in a society that He uses money, but If I have more money, I can also do more good.
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I can also help other people.
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I can also feed other hungry people And when you have that sort of idea...
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Now you don't have to...
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go in and think, oh my God, yeah, maybe it's not a bad thing to be rich.
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Maybe it's just Freedom.
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Yeah.
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And maybe if I become rich, I can be an example of what it means to be a good person who is rich.
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That's why I always say we need more good people with money.
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And now we start to reframe that.
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But it means you have to rewire the way you look at money.
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Yes.
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Because most people look at money in a way that does not serve them.
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They look at it where it causes stress, anxiety, fear, uncertainty.
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If you don't have money, you're at the mercy of people that have money.
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You become desperate.
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because now I have to go to work.
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I have to do these things.
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And desperate people don't make good financial decisions.
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And it's really unfortunate.
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But now when you're desperate, what happens?
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Well, the first thing is if I'm just in a really crappy place, maybe I start to soothe myself by buying a nice car that I can't afford, buying a nice watch that I can't afford,
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buying some nice clothes that I can't afford or whatever indulging in drugs
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or alcohol or other things like that lottery tickets maybe now I try to soothe myself doing other things.
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Maybe now, I say, I want to get rich.
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And this guy on the internet says, if I pay him $995, he's going to give me a six -step system to making six figures in six months, working only two hours a week.
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That sounds great.
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Or maybe if I just throw my money into this cryptocurrency, into this hot stock that everyone's talking about, I'm going to be able to double my money in 12 months.
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And now we get caught up in this idea of, fast money because I'm desperate, I'm in pain.
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Well, Unfortunately, That's not how building wealth works.
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And when that's what you want, you get caught up in all the crap out there.
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And there's no shortage of people selling that crap.
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because it is very attractive to sell you this idea of get rich fast.
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Investments that go up by these crazy percentages.
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It's very attractive and you want to get in on the next one.
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I mean, could you imagine if you could double your money every six months?
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I mean, you would be the richest person in the history of time.
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In our economic system, you can't become wealthy by working a job.
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Doesn't matter if you were a teacher, a truck driver, a doctor or an executive.
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The way you become wealthy is by owning the right assets.
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That way now you can get paid even if you stop working, because if you stop working at your job, the money stops coming in.
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But you still got bills to pay.
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Vocabulário e dicas de fala para esta lição
Esta aula de conversação de nível B2 usa o vídeo “Your House Is NOT An Asset”. Este vídeo tem 298 frases e 3461 palavras para praticar shadowing. A fala dura 18:28. O falante fala rápido, cerca de 187 palavras por minuto, então espere sons ligados e reduzidos. 88% das palavras estão entre as 3.000 mais comuns do inglês, por isso o vocabulário é fácil de acompanhar.
Vocabulário principal deste vídeo
As 15 palavras mais avançadas do vídeo, com pronúncia e significado:
| Palavra | Pronúncia | Significado |
|---|---|---|
| financially advérbio | financeiramente | |
| retire verbo | /ɹəˈtaɪɹ/ | aposentar-se, reformar-se |
| spiritually advérbio | espiritualmente | |
| mindset substantivo | /ˈmaɪn(d)ˌsɛt/ | mentalidade |
| trauma substantivo | /ˈtɹɔm.ə/ | traumatismo |
| mathematics substantivo | /mæθ(.ə)ˈmæt.ɪks/ | matemática |
| mentally advérbio | /ˈmɛntəli/ | mentalmente |
| blueberry substantivo | /ˈbluˌbɛ.ɹi/ | mirtilo |
| cryptocurrency substantivo | /ˈkɹɪp.toʊˌkɝ.ən.si/ | criptomoeda, criptodivisa |
| decathlon substantivo | /diːˈkæθlɒn/ | decatlo |
| realtor substantivo | /ˈɹi(ə)l.təɹ/ | corretor, corretora |
| sleazy adjetivo | /ˈsliː.zi/ | inferior |
| tragically advérbio | tragicamente | |
| listener substantivo | /ˈlɪs(ə)nɚ/ | ouvinte |
| indulge verbo | /ɪnˈdʌld͡ʒ/ | ceder, sucumbir |
Phrasal verbs que você vai ouvir
| Palavra | Significado |
|---|---|
| grow up verbo | crescer |
| figure out verbo | descobrir, deduzir |
| pay off verbo | compensar |
| end up verbo | terminar, acabar |
| get over verbo | superar |
| go up verbo | subir |
Frases que vale a pena repetir
Frases curtas e completas do vídeo que você pode usar na conversa do dia a dia:
- How are you going to make money?
- What job should I get?
- Do you want to know who is?
- Why am I struggling with money?
- If you're always stressing about money, what happens next?
Gramática neste vídeo
As estruturas que o falante mais usa, com as palavras exatas do vídeo:
| Estrutura | No vídeo |
|---|---|
| Frases condicionais if + oração, will/would + verbo — uma condição e seu resultado | If I do these things, then I'll be |
| Voz passiva be + particípio passado — o foco está no que acontece, não em quem faz | be set · was taught · was told |
| Present perfect have/has + particípio passado — uma ação passada que ainda importa agora | you've built · I've learned · has been |
| Orações relativas who / which + oração — informação extra sobre uma pessoa ou coisa | wealth which will · people who have · somebody who got |
Pronúncia para ficar de olho
O falante usa 109 contrações e formas reduzidas, como you're, I'm, don't. Diga-as na forma curta, do jeito que você ouve.
- Os sons de “th”: soothe /suːð/, mathematics /mæθ(.ə)ˈmæt.ɪks/, decathlon /diːˈkæθlɒn/
- Os sons de “sh” e “zh”: insure /ɪnˈʃʊɚ/, shortage /ˈʃɔː(ɹ)tɪd͡ʒ/, subscription /səbˈskɹɪpʃən/, inflation /ɪnˈfleɪ.ʃən/
- Palavras longas — acerte a sílaba tônica: mathematics /mæθ(.ə)ˈmæt.ɪks/, cryptocurrency /ˈkɹɪp.toʊˌkɝ.ən.si/, accelerate /ɪkˈsɛl.əˌɹeɪt/, insanity /ɪnˈsænɪti/, millionaire /ˌmɪl.i.əˈnɛə(ɹ)/
Sons difíceis para falantes de português:
- Consoante final — sem acrescentar um “i” depois: mindset /ˈmaɪn(d)ˌsɛt/, liquidate /ˈlɪkwəˌdeɪt/, accelerate /ɪkˈsɛl.əˌɹeɪt/, restart /ˈɹiːˌstɑɹt/, landlord /ˈlæn(d).lɔɹd/
- /l/ final — a língua toca o céu da boca, não vira “u”: volatile /ˈvɑ.lə.təl/, fulfill /fʊlˈfɪl/, stressful /ˈstɹɛsfəl/
- s + consoante no início — sem um “i” antes: sleazy /ˈsliː.zi/, stressful /ˈstɹɛsfəl/, spouse /spaʊ̯s/, sponsor /ˈspɒn.səː/, scare /skɛɚ/
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 financially, retire, spiritually.
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.