ฝึกพูดภาษาอังกฤษด้วยเทคนิค Shadowing จากวิดีโอ: Do This EVERY Time You Get Paid (Paycheck Routine)
เลือกโหมดฝึก
แต่ละโหมดจะเปิดห้องฝึกแบบเต็มจอ
191 ประโยค
หากประโยคสั้นหรือยาวเกินไป กดที่ Edit เพื่อปรับแก้
1
It's Friday, just got paid.
2
New shoes, new restaurant, movies, and it's gone.
3
When it comes to payday, it's hard to know the best things to do with your money.
4
So today I'm going through step -by -step the eight things
5
you need to do with your money as soon as you get paid.
6
The first and most important thing you need to do is find your financial baseline.
7
When it comes to personal finance, most people feel like it's too much work, but that's why most people struggle.
8
64 % of Americans live paycheck to paycheck because they commit one of the worst financial mistakes.
9
In psychology, they call it mental accounting.
10
Basically, it's when you mentally categorize your money instead of physically writing it down.
11
In May, you might receive a tax refund from the IRS and you mentally categorize this as extra fun money.
12
You get excited and start spending it.
13
A new PS5, a new TV, or Mr. Magic Lamp.
14
The problem is, this money is the same as your regular income.
15
You just pay too much in taxes and the IRS is just returning it.
16
The good news is the solution is simple.
17
Open up a spreadsheet and take account of all your monthly expenses.
18
Rent, internet, pineapple pizza, floss.
19
So putting all this together in a Google Sheet was a great way for me to discover how much
20
I needed to survive every month with my current lifestyle.
21
I'm self -employed so my income varies widely and this is just a great number to know.
22
Alright, now for the real work.
23
Delete the expense items that aren't your core essentials.
24
Yeah, that means Netflix, staplers, your Candy Crush subscription, and then sign up for my free weekly newsletter,
25
Rethinkable, to build a wealthier and healthier life, link below.
26
After a grueling self -reflection moment, you should end up with just a few core expenses.
27
First, housing, which could be rent or mortgage.
28
Generally, you want this to be under 30 % of your income.
29
Second, groceries and food, about 10 % of your income.
30
Third, insurance and utilities, like internet, cell phone, and electricity, about 10%.
31
This number now becomes your financial baseline, the absolute bare minimum you need to survive each month.
32
Aim to keep your financial baseline under 50 % of your total income.
33
If it's over, look for expenses that you can easily swap for cheaper ones.
34
Do you really need that apartment with an indoor pool, a phone plan that has satellite coverage, or free -range organic pasture -raised avocados?
35
Knowing your financial baseline builds the foundation for the next step.
36
What would it feel like to have saved up to six months worth of expenses in your bank account at all times?
37
Imagine the kind of freedom and peace of mind you'd have knowing that if you ever got sick,
38
lost your job, or get injured, you'd be completely fine.
39
This is why having an emergency fund is crucial.
40
Mathematicians explained why with the Murphy's Law.
41
Basically, everything that can go wrong will go wrong.
42
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.
43
A study found that as much as 56 % of Americans can't afford an unexpected $1 ,000 expense,
44
and 22 % don't have an emergency fund at all.
45
I remember when I got into a car accident when I was 20 that cost me about $5 ,000 to fix.
46
If I didn't have an emergency fund saved up, I might have needed to take out a loan and paying back
47
that loan with interest would have easily cost more than $7 ,000.
48
Generally, you want your emergency fund to cover six months of your financial baseline.
49
If your baseline is $3 ,000 a month, you need to save $18 ,000 for emergencies.
50
Emergencies don't include a wild night out, vacations, or pineapple pizza cravings.
51
The money should only be used when all hell breaks loose,
52
when your house floods, when you get stranded in the middle of nowhere and have no other options.
53
Basically, when your life is FUBAR, that's when you use your emergency fund.
54
Once you fill your emergency fund immediately moves to the next step.
55
77 % of American adults are in debt, and this is something that we've just all accepted as the norm.
56
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.
57
One of the worst things with debt is that it strangles your monthly income.
58
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.
59
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.
60
If you have a credit card balance of $6 ,500 with an interest rate of 19 .5%,
61
and you decide to only pay the minimum payment of $130 per month, it's going to take you eight years.
62
Eight years to pay it all off with an additional $6 ,000 in interest.
63
So what's the best strategy to pay off your high interest debt early?
64
There are two ways to do this.
65
You could tackle the high interest rate loans first.
66
Credit cards, payday loans, car loans, stuff with an interest rate of 10 % or more.
67
Pay off the highest interest rate first and then move on to the next loan.
68
This is called the avalanche method, and mathematically speaking, is the cheapest and most efficient way to pay off your loans.
69
Another option is called the snowball method.
70
Although it is less efficient, it takes a more psychological approach.
71
Instead of focusing on the interest rates, you tackle the smallest loan amount first.
72
You'll be able to pay these off quicker, which builds momentum and motivates you to keep going.
73
For me, when I first got serious about personal finance and paying off my debt, I consolidated everything into a Google spreadsheet.
74
It contained each debt, the amount I owed, and their interest rate.
75
Every time I made a payment, I would open up the spreadsheet and manually adjust the remaining amount.
76
Every other day, I would visualize paying off the debt until everything went to zero, and this motivated me to keep pushing.
77
After you pay off your high interest debt, you'll have a bit more wiggle room with your monthly income.
78
But before you do anything, you need to prioritize the next step.
79
When it comes to investing, most people think of flashing screens, day trading, and aggressive screaming.
80
But apart from what you've seen on Wolf of Wall Street, investing doesn't need to be hard or overwhelming.
81
The basics are easy, and once you're familiar with them, you could make millions in your lifetime.
82
Einstein once said, Compound interest is the eighth wonder of the world.
83
He who understands it, earns it.
84
He who doesn't, pays it.
85
Compound interest is the reason that you should have started investing yesterday.
86
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.
87
If you invest $6 ,000 each year from 25 to 65 years old with an annual return of 10%,
88
you'll end up with a total of over $2 .7 million.
89
If you choose not to invest and instead you just keep that money under your mattress,
90
you're going to end up with a total of $240 ,000.
91
That difference is huge and that can easily change your life.
92
You can get my free investing starter kit to learn the basics of stock investing to easily and confidently start investing today.
93
Link below.
94
The problem is, which investing account should you invest with first?
95
Taxable brokerage, 401k, IRA, HSA.
96
Knowing which to prioritize will maximize your returns and minimize your taxes.
97
For most people, you should first put money into your 401k account, a workplace retirement plan that offers matching contributions.
98
Essentially, free money.
99
If your 401k plan offers this match, contribute enough to meet the matching amounts.
100
When it comes to your 401k, not only can you get free money, you can also lower your taxable income.
101
If you earn $90 ,000 a year and your employer matches up to 3 % of your salary,
102
that means they'll give you $2 ,700 of free money.
103
If you contribute 10 % of your 90k income to your 401k plan,
104
when tax season comes, you'll only pay taxes on $80 ,000 instead of your 90K salary.
105
After you max out your employer match with your 401k, contribute to a Roth IRA account.
106
Unlike the 401k where contributions are pre -tax, with a Roth IRA, contributions are post -tax,
107
which means you'll first pay taxes on your $90 ,000 salary before you can add it to your Roth IRA.
108
The advantage of a Roth IRA is that you don't have to pay taxes on any of the earnings in this account,
109
and you can withdraw your contributions at any time.
110
So even though you're contributing money into a retirement account, you can withdraw money from the principal whenever you want.
111
After taking advantage of your retirement accounts, it's time to invest with a regular taxable brokerage.
112
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.
113
For me personally, I've been investing with Moomoo for years.
114
And for a limited time, if you create an account with my link below and meet the deposit requirements,
115
you can get up to 16 stocks for free.
116
With all my investment accounts, I primarily invest in low -cost mutual funds for the long term.
117
When you invest for the long term, you're not checking your account every day, week, or month.
118
You're putting your money in, you're making sure you have everything set, and then you're checking it maybe twice a year.
119
But you're not stressing out every time the stock market's having a panic attack.
120
The problem is, most people just can't stomach the ups and downs the market takes, and over the past year,
121
things have been looking a bit dicey.
122
Normally, this is when people make one of the worst financial mistakes.
123
In finance, they call this timing the market.
124
Basically, it's when the market isn't doing too hot, so you decide to stop investing or pull all your money out
125
and wait on the sidelines to get back in the right time.
126
There's two problems with this.
127
First, you don't know if the stock market is going to go lower or higher because no one knows.
128
Just like how economists have predicted 30 out of the last three market crashes.
129
Second, even if you pull out at a really fantastic time when the stock market was really high and then it crashes,
130
you need to be right a second time to put it back in at the right time.
131
The best solution based on hard data and math is to simply invest a fixed amount every month consistently.
132
Doesn't matter whether it's going up, doesn't matter if it's going down.
133
Let's say you invest $200 into Apple stock every single month for five years.
134
If you're investing a fixed amount of money each time you buy,
135
you'll get more shares when the stock price is lower and fewer when the stock price is higher.
136
Over time, this will minimize the cost per share you pay for your stock.
137
So if you have $300 to invest and you're looking at a very volatile stock called Magic Lab Company,
138
in the first month it's $10 per share.
139
In the second month it's $5.
140
In the third month it's $20.
141
Here's where dollar cost averaging comes in.
142
Say you want to invest $100 a month for three months.
143
So at the end of three months, you would have bought 10 shares in the first month, 20 shares in the second month,
144
and then five shares in the third month.
145
So now you have 35 shares for $300 for an average price per share of $8 .57.
146
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,
147
but it's also not the most expensive at $20 per share if you bought everything in the third month.
148
After you're invested, move on to the next step.
149
When it comes to life, time is the most valuable resource.
150
It's the only thing we can't buy more of.
151
At the end of the day,
152
it doesn't matter how much money you have or save if you don't actually have the time to enjoy your life.
153
In economics, they call it opportunity cost.
154
Basically, the time you spend doing something is time not spent on doing something else.
155
On Sunday, you might spend three hours washing the floors, wiping the windows, throwing out the trash,
156
but what if you spent those three hours working on a side hustle?
157
If you can make $90 in three hours and you can hire someone to clean your house for $30,
158
then your time might be better spent on the side hustle.
159
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.
160
Write down tasks that you absolutely hate to do.
161
Cleaning the toilet, mowing the lawn, or driving 40 minutes to get groceries.
162
Write down how much time it takes you to do each task.
163
How much money you could be making if instead of doing this task, you were just working on your side hustle.
164
Then look into how much it costs to hire someone else to do the task.
165
So putting all this together was helpful to see
166
if it made more financial sense to hire someone to do something or to keep doing it myself.
167
But the most important step of all is this.
168
I remember for a long time, I did everything manually.
169
Paying my bills, saving for a house, investing.
170
The problem is this takes dedicated time and brainpower every week.
171
In psychology, they call it decision fatigue.
172
Basically, when you make a lot of decisions during your day, the quality of each new decision decreases over time.
173
In the morning, you might be able to make really great choices one after another.
174
But later that evening, when you get closer to 10 ,000 decisions, you might make mistakes that you later regret.
175
Buying a pair of AirPod Max, Mr. Magic Lamp, or this overpriced stapler.
176
But what if I told you that you can easily automate your finances so you never need to think about it again?
177
When it comes to setting up guideline automation, it's going to save you so much time and headache in the long run.
178
Nowadays, I don't have to think twice about whether I paid my bills, if I invested this week.
179
I don't need to track anything because I know it's already done.
180
Here's how to do it.
181
First, make sure your paychecks are automatically deposited into your checking account.
182
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.
183
Your spending account includes fixed monthly bills and essential expenses like groceries, gas, and pineapple pizza.
184
By knowing how much you'd normally spend in a month, set spending targets for non -essentials like restaurants, movies, and Uniqlo.
185
Then set up automatic transfers at the end of the month to move what's left over into your second account, savings.
186
From here, the money and savings should flow into whichever step you're at saving for an emergency fund,
187
paying off high interest debt, investing, or opportunity costs.
188
And that leads me to something that you've got to start accepting.
189
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.
190
And that might be because you don't know these 14 subtle signs.
191
Click here to find out if you're financially doing better than you think.
ดาวน์โหลดแอป
ทุกอย่างที่ต้องใช้เพื่อพูดได้คล่อง
AI ให้คะแนนการออกเสียงให้คะแนนทุกประโยค
ฝึก IPAเชี่ยวชาญทุกเสียง
คำศัพท์สร้างคลังคำของคุณ
เกมคำศัพท์เล่นไปเรียนไป
FOR YOU
วิดีโอแนะนำ
![Once You Understand CASHFLOW, You’ll Never Be Broke Again [PART #4]](https://img.youtube.com/vi/C8KULYii7NY/mqdefault.jpg)
B21
382 ประโยค
Once You Understand CASHFLOW, You’ll Never Be Broke Again [PART #4]
Daily ConversationWorking Adults
B22
178 ประโยค
This Is How I Reduced My Screen Time (I Made a Dopamine Menu)
Daily ConversationWorking Adults
B21
185 ประโยค
8 Minimalist Habits That ACTUALLY Work (even if you're not a minimalist)
Daily ConversationWorking Adults
B21
48 ประโยค
The smart way to name your content
Daily ConversationWorking Adults
B21
229 ประโยค
Once You Get Money, Upgrade These 10 Things ASAP
Daily ConversationWorking Adults
B21
160 ประโยค
i tracked every dollar i spent as a resident... its alot
Daily ConversationWorking Adults
B22
128 ประโยค
Why Earning More Still Doesn't Feel Like Enough
Daily ConversationWorking Adults
B2201 ประโยค
How Jews Teach Kids About Money Differently, And Why It Works | Jewish Financial Education
Daily ConversationWorking Adults
B22
45 ประโยค
Save Money, Spend Less | Mel Robbins #shorts
Daily ConversationWorking Adults
B2156 ประโยค
MENTALLY BEAT THE MARKETS IN 8 MINUTES
Daily ConversationWorking Adults
B21
114 ประโยค
The Weekend Trap Keeping You Average (This Is How the Years Disappear)
Daily ConversationWorking Adults
B24
258 ประโยค
MILLIONAIRE EXPLAINS: If I Started 2026 With $0, Here's My Exact Plan
Daily ConversationWorking Adults
คำศัพท์และข้อสังเกตด้านการพูดสำหรับบทเรียนนี้
บทเรียนฝึกพูดนี้ใช้วิดีโอ “Do This EVERY Time You Get Paid” เป็นสื่อ คำที่ถูกพูดซ้ำบ่อยที่สุด: month, account, interest, invest, investing วิดีโอนี้มี 191 ประโยค และ 2665 คำ สำหรับฝึกพูดตาม ช่วงที่มีเสียงพูดยาว 14:02 ผู้พูดพูดเร็ว ประมาณ 190 คำต่อนาที จึงมีการเชื่อมเสียงและลดเสียงค่อนข้างมาก 85% ของคำอยู่ใน 3,000 คำที่ใช้บ่อยที่สุดในภาษาอังกฤษ ส่วนที่เหลือควรดูไว้ก่อนเริ่มฝึก
คำศัพท์สำคัญในวิดีโอนี้
คำที่ควรเรียนรู้ 15 คำจากวิดีโอ พร้อมคำอ่านและความหมาย:
| คำศัพท์ | คำอ่าน | ความหมาย |
|---|---|---|
| invest คำกริยา | /ɪnˈvɛst/ | ลงทุน, ลงทุนลงแรง |
| pizza คำนาม | /ˈpi.tsə/ | พิซซ่า |
| hire คำกริยา | /ˈhaɪɹ/ | จ้าง |
| salary คำนาม | /ˈsæləɹi/ | เงินเดือน, ค่าจ้าง |
| pineapple คำนาม | /ˈpaɪnəpəl/ | สับปะรด |
| earn คำกริยา | /ɝn/ | หาเงิน |
| automatic คำคุณศัพท์ | /ˌɔː.təˈmæt.ɪk/ | อัตโนมัติ |
| psychology คำนาม | /saɪˈkɑ.lə.d͡ʒi/ | จิตวิทยา |
| lifestyle คำนาม | /ˈlaɪfˌstaɪl/ | วิถีชีวิต, ไลฟ์สไตล์ |
| deposit คำนาม | /dɪˈpɑ.zɪt/ | เงินฝาก |
| employer คำนาม | /ɪmˈplɔɪə/ | นายจ้าง |
| minimize คำกริยา | /ˈmɪn.ɪˌmaɪz/ | ย่อ |
| wash คำกริยา | /wɑʃ/ | ล้าง, ซัก |
| economics คำนาม | /ˌiːkəˈnɒmɪks/ | เศรษฐศาสตร์ |
| stomach คำนาม | /ˈstʌmək/ | ท้อง, กระเพาะ |
ประโยคที่ควรฝึกพูดซ้ำ
ประโยคสั้น ๆ ที่สมบูรณ์จากวิดีโอ ซึ่งนำไปใช้ในบทสนทนาประจำวันได้:
- 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.
ไวยากรณ์ในวิดีโอนี้
โครงสร้างที่ผู้พูดใช้บ่อยที่สุด พร้อมคำพูดจริงจากวิดีโอ:
| โครงสร้าง | ในวิดีโอ |
|---|---|
| Present perfect continuous have/has been + -ing — การกระทำที่เริ่มก่อนหน้านี้และยังดำเนินอยู่ | I've been investing · have been looking |
| Passive voice be + กริยาช่อง 3 — เน้นสิ่งที่เกิดขึ้น ไม่ใช่ผู้กระทำ | be used · is called · are automatically deposited |
| Present perfect have/has + กริยาช่อง 3 — เหตุการณ์ในอดีตที่ยังเกี่ยวข้องกับปัจจุบัน | you've seen · have predicted |
การออกเสียงที่ควรระวัง
ผู้พูดใช้รูปย่อและรูปลดเสียง 57 ครั้ง เช่น you're, don't, you'll ให้พูดแบบสั้นตามที่ได้ยิน
- เสียง “th”: withdraw /wɪðˈdɹɔ/, wealthy /ˈwɛl.θi/, eighth /eɪtθ/, mathematics /mæθ(.ə)ˈmæt.ɪks/, mathematician /ˌmæθ.(ə.)məˈtɪʃ.ən/
- เสียง “sh” และ “zh”: contribution /ˌkɑntɹɪˈbjuʃən/, efficient /ɪˈfɪʃənt/, essentially /ɪˈsɛnʃəli/, wash /wɑʃ/, flash /flæʃ/
- คำยาว — ลงเสียงหนักให้ถูกพยางค์: contribution /ˌkɑntɹɪˈbjuʃən/, essentially /ɪˈsɛnʃəli/, automatic /ˌɔː.təˈmæt.ɪk/, psychology /saɪˈkɑ.lə.d͡ʒi/, manually /ˈmænj(u)əliː/
เสียงที่คนไทยมักออกเสียงยาก:
- เสียงท้ายคำ — ออกเสียงให้ครบ ไม่เปลี่ยนเป็นตัวสะกดแบบไทย: expense /ɪkˈspɛns/, hustle /ˈhʌsəl/, groceries /ˈɡɹoʊ.s(ə.)ɹiz/, pineapple /ˈpaɪnəpəl/, lifestyle /ˈlaɪfˌstaɪl/
- /v/ — ไม่ใช่ /w/ ให้ฟันบนแตะริมฝีปากล่าง: invest /ɪnˈvɛst/, motivate /ˈmoʊ.tɪ.veɪt/, vacation /veɪˈkeɪ.ʃən/, discover /dɪˈskʌvə/, aggressive /əˈɡɹɛs.ɪv/
- /z/ — เสียงก้อง ไม่ใช่ /s/: groceries /ˈɡɹoʊ.s(ə.)ɹiz/, deposit /dɪˈpɑ.zɪt/, minimize /ˈmɪn.ɪˌmaɪz/, resource /ɹɪˈzɔːs/, physically /ˈfɪz.ɪ.kli/
วิธีฝึกกับวิดีโอนี้
- ฟังวิดีโอให้จบหนึ่งรอบโดยยังไม่ต้องพูด แล้วจดคำที่ยังไม่รู้จัก
- เริ่มที่ความเร็ว 0.75× พูดตามทีละประโยค แล้วกลับไปใช้ความเร็วปกติเมื่อเริ่มคล่อง
- อัดเสียงตัวเองแล้วเทียบกับต้นฉบับ โดยสังเกตคำอย่าง invest, pizza, hire เป็นพิเศษ
เทคนิค Shadowing คืออะไร?
Shadowing เป็นเทคนิคการเรียนรู้ภาษาที่ได้รับการรับรองทางวิทยาศาสตร์ พัฒนาขึ้นสำหรับการฝึกนักแปลมืออาชีพ วิธีการนี้เรียบง่ายแต่ทรงพลัง: คุณฟังเสียงภาษาอังกฤษจากเจ้าของภาษาและพูดตามทันที — เหมือนเงาที่ตามผู้พูดด้วยช่วงเวลาห่าง 1-2 วินาที การวิจัยแสดงว่าเทคนิคนี้ปรับปรุงความแม่นยำในการออกเสียง ทำนองเสียง จังหวะ การเชื่อมเสียง การฟังเข้าใจ และความคล่องแคล่วในการพูดได้อย่างมีนัยสำคัญ