ฝึกพูดภาษาอังกฤษด้วยเทคนิค Shadowing จากวิดีโอ: Estate Planning Explained: Trusts, Wills, and Powers of Attorney

เลือกโหมดฝึก

แต่ละโหมดจะเปิดห้องฝึกแบบเต็มจอ

520 ประโยค

หากประโยคสั้นหรือยาวเกินไป กดที่ Edit เพื่อปรับแก้

Most people are going to hear this and think this is just for the wealthy.

Only rich people do this.

I don't think that's accurate.

I think you may be missing out on a huge protection of yourself by doing this.

Estate planning, Mikey.

Is estate planning only for the wealthy?

No. Far from it.

In fact, here's the thing that a lot of people don't realize.

You already have an estate plan.

Meaning?

If you don't decide what it is you want to have happen in your estate plan, the government already made the decision for you okay

so where do you want to start with this you want to walk through what happens

if you're not planned you want to walk through why you

need to plan the benefits from it where do you want

to start well let's probably the best place to start is to first get to what is an estate plan

and what's its purpose is now disclaimer we're not attorneys we're

not accountants we're going to give you the information you do

with it with your professionals what you want i know you hate it

but i got to do it all right

so what what does the estate plan effectively do it's tackling

four things what it's basically telling you who's gonna get my things

when I pass away the second thing is who's gonna be in charge of making sure

that the person I want to get my things gets it third

and this is a big one

that a lot of people I think forget who makes decisions for me

if I'm still alive but I can't actually speak for myself that's big one

and the fourth one is what happens with my kids

and the estate plan and all the variables that go into it

which we'll get into are basically going to answer those four questions

and here's like i said at the beginning if you don't answer those four questions for yourself

the government and the court system is going to answer them for you

and it may not be the answer that you want to hear okay

so you recommend everyone should do this or is there a certain

net worth you should have before this comes into play i think anybody

that has kids should do it no matter what

and i think anybody that has assets should do it outside of an ira so like

and we'll probably get into this later

but ira assets kind of fall outside of the kind of state planning vehicle

so as long as you make sure you have beneficiaries on your ira

which a lot of people uh i assume and hope do

but i imagine some don't um you're probably okay

but the moment you start actually accumulating any kind of assets like real assets

or you have a bank account with i don't know even five figures i think you should have it okay

so what goes into your estate planning

things like creating a trust a will what all goes into it okay so the first thing is is you have

the whole plan the estate plan think of it as as an umbrella right

and what goes under the umbrella one is your trust the second thing is a will

and then the third thing are your um durable powers of attorney

and then the fourth one is your health care directives

so those four variables are the ones

that fall under your overall comprehensive estate plan that answer what happens

when i die how does it happen what happens

if i become incapacitated who's in charge what can they do what can they not do

and then there's separate from all

that the creation of the estate plan also insulates the tax protection

and the wealth that you built that's where i was going with this

so what does it look like

when you pass away are you being taxed who's being taxed at what rate what does

that look like okay so listen the the thing is there's a lot of like

mis uh statements or misunderstandings

when it comes to the estate plan especially on the tax side

so myth bust this thing i'm gonna myth bust some of it so the number changes and it moves

when obama was president if i'm not mistaken the estate tax limit was a million dollars and it's climbed up since then.

So first, what is the estate tax limit?

And this is the part that, yes, it touches more of the wealthy.

But up to a certain dollar amount, the transfer to your next of kin or your heirs

through the estate plan can move to them without being subject to the estate tax.

So we're all used to income taxes.

Estate tax is basically a double tax.

Yeah.

Right, because you paid income taxes throughout your whole life on the money that you made.

And then when you pass away, if you don't have these estate plans put into place,

then you're going to get exposure to an estate tax as well if you go over a certain limit.

Or even if you have an estate plan in place, the limit still throws you out.

So the limit started with Obama, as far as I remember, when it was a million dollars.

The big, beautiful bill, when it passed, it increased that number that was already much higher up to 15 million dollars per person

or 30 million dollars a couple so basically you have the capability of transferring husband

and wife up to 30 million dollars worth of your net

worth to your children without having them incur any type of estate tax

if you build it the right way okay and

that is basically all this money has already been taxed multiple times

but is the idea well you're you're just passing over a bunch of wealth?

It's a death tax.

Okay.

It's a death tax.

That's the best way to say it, right?

So look- Do you like a death tax?

No, I don't like any tax.

What kind of question is that?

So more than 99% of Americans are actually never gonna owe a dime of the federal estate tax because-

Because it's so high.

Yeah, the limit's really high.

So what you have, there are strategies that the wealthy do apply

when they have over the 30 million to help avoid it further.

But I think we should probably spend more time on the estate plan as it applies to the overwhelming majority of Americans.

100%.

So estate planning has nothing to do with taxes, and that's the key here.

It's about who controls what in the greatest moments of chaos in your life.

Yeah, that's really good.

100

Actually, before we go into that, because I actually want to spend a good amount of time on

101

that because I know we have a lot of listeners that have kids.

102

For a protection, is there an added protection to your assets by having them in a trust?

103

Is there any additional layer, like how we would create LLCs for different businesses or investments?

104

Does a trust act as a moat in any way or no?

105

That's a good question.

106

I don't think, you're talking about like from creditors.

107

I don't think your trust has creditor protection.

108

I could be wrong on that one, though.

109

I don't know off the top of my head.

110

Okay.

111

All right.

112

Ryan, can you look that up?

113

Let's have Ryan look it up.

114

Let's have Ryan look that up.

115

All right.

116

So for parents and why this is such a big deal.

117

God forbid somebody passes away.

118

Well, I shouldn't even say it that way.

119

It's life.

120

We're all passing away, right?

121

In that the kids are going through a hard time.

122

Anybody passes away, you're mourning a loved one.

123

There's high emotions through that.

124

So making decisions can be challenging, right?

125

And do you think this is imperative because you remove the kids potentially arguing,

126

arguing, fighting, and potentially breaking up their relationships by not knowing the order that the parent instructed for them.

127

Is that the right way to say it?

128

Yes, if the kids are older.

129

Right.

130

Right, obviously.

131

So if you don't lay out who gets what, you leave it up to interpretation for the kids to figure it out amongst themselves.

132

Now, in the best case scenario, the kids are all in agreement that everything should be split,

133

and it's easy, and you walk away, everybody takes their share.

134

If you own assets, now the question becomes, okay, we should sell it.

135

No, we shouldn't.

136

We should hold it, and all of us should participate in income.

137

No, we shouldn't.

138

We should sell it, let everybody make their own decision

139

and now you already have an argument without actual numbers being

140

applied to it just in philosophy on what should be done

141

so the more thorough you are in the directions of what

142

is to happen the less decision making you put on the children

143

which means the less they're going to have to argue about it in order to come to a conclusion right

144

and unfortunately it's where you see a lot of families kind of fall apart is

145

when it comes to this variable of money and what should be done

146

everybody has different opinions

147

so remove the decision from them completely yeah i think that's good yeah all right

148

so for anybody who's hearing this they're a parent they haven't

149

set up any of this stuff they have kids this is

150

time to get going what what are their moves do they have to go

151

find a financial planner is an estate attorney who are they contacting to do this all right before i answer

152

that i want to you give me another disclaimer no i'm

153

not giving you a disclaimer i want to hone in on just how important this is

154

because you don't realize what you're doing by not doing anything okay that's good right

155

so if you have minor children especially if you have minor children

156

you have handed a government agency

157

or a court the biggest decision in your children's lives

158

which is who takes care of them

159

if you're not around to take care of them oh yeah

160

right yeah who raises them you want the family to

161

if you don't say it it's going to go to court

162

and family members are going to battle it out

163

if they both wanted your kids okay so you're you're taking a step further

164

and going this is for the well-being of your kids this

165

isn't even about assets i don't even care about money here i care about

166

and this was for jess and i when we decided

167

that we were going to set up our estate plan after

168

we got married money wasn't even a topic of conversation first

169

and foremost was who's gonna take care of the kids right right

170

and so for us and for many people family

171

that they feel will raise their kids with the value system

172

that they have easy decision if you don't have

173

if you have family that you love

174

but maybe they don't won't raise your children the way

175

that you would want them to be raised you have the

176

opportunity now as difficult as it may be to say let

177

me have these friends of ours who apply the same moral code

178

and value system as we do be the ones to raise our kids now

179

if you don't put that on paper the court decides well yeah

180

but the court's always going to go with the family

181

so you by default just put your children in somebody's hands even though they're your family

182

that aren't going to necessarily raise your kids the way you want them to be raised right

183

so that's an example of where you have to put this thing out on paper

184

so that they know exactly what's going to happen with your children

185

and i can't stress enough how much this is of severe importance

186

because the reality is we might be gone tomorrow yeah we don't know yes

187

if you're young

188

and you're healthy great you get hit by a bus you

189

get into a car accident whatever could happen unfortunately happens

190

if you don't outline what's going to happen to your kids

191

you have no idea what they're going to get exposed to

192

and it can be completely opposite of what it is

193

that you want okay so if i'm hearing this right because

194

when we first started we were talking about a trust

195

and once you have assets to invest or kids right

196

when you have kids this is a move you should do right that's why i started with even

197

if you don't have assets but you have children you set up a trust okay

198

and when you're creating this outline of what happens

199

when you die is this in your trust is this in your will where does

200

that go so the trust deals with what happens with you

201

if and when you pass away who takes care of the the money who takes the children

202

if they're minors and mostly those are the two variables

203

that the trust drives itself on

204

and then it can get more complicated depending on like what kind of assets you have like

205

if you have let's say you own real estate do does the does the executor of the trust

206

or the trustee the successor trustee have to sell the piece of real estate right away

207

do they have leeway in how much time they have before they make a decision is there a ceiling on

208

so as you gain additional assets the trust kind of evolves based on your needs

209

and what it is that you own but at its core principle

210

if you did nothing else for a trust

211

or you own no assets it's what happens with my children at

212

that time okay

213

so the trust deals with what happens after death okay now from the tax side of

214

that though in California you have probate.

215

So not in every state this applies.

216

But if you don't have the trust, your assets goes to the court system to decide what to do.

217

And then when it goes through probate, the state is going to take a piece of it.

218

And sometimes it can get very expensive.

219

And that just means you disincentivize your beneficiaries, assuming they're your children, you just disincentivize your children from receiving what is

220

that you work for because you didn't take pen to paper.

221

Okay, so is there a scenario where you can create a trust

222

because you want some you want to make sure the kids are okay

223

when if you pass away

224

and make sure they're being raised by the family you wanted

225

to be raised by moving over to the assets you still

226

have to put the assets in the trust right is there

227

a scenario like what we see on iras where people open iras

228

and they never invest the money are there trusts

229

and there's a funding gap and nothing in them i wish

230

that there was data but i can't imagine who would aggregate this data

231

because just in my anecdotal experience it's the overwhelming majority

232

that unfortunately do this which means they set up a trust

233

but they don't fund the actual trust

234

so a trust once you create the vehicle it doesn't go out

235

and grab assets and put it into the trust you have to go out

236

and title the assets into the trust in order for the

237

whatever the trust says to be put at work meaning

238

if you create a trust and you have a house and let's say

239

$500,000 in a bank account not an IRA

240

but in a regular bank account and you

241

and your wife own the house and you're you

242

and your wife own the bank account

243

and you pass away those two assets are going to probate

244

they are not following the path of what the trust says

245

because you didn't go out and fund those assets into the trust

246

so what do you have to do you have to file

247

a deed change the deed of trust on the property into

248

the name of the trust super simple happens all the time

249

and your attorney if you set up with an attorney will be able to do

250

that for you for whatever the filing fee is

251

and then you just have to go to the bank

252

and say hey look we created a trust for the family

253

and we need to switch this account from joint ownership into

254

the name of our trust you do those two things now

255

whatever the trust says is what happens with those two assets

256

and it doesn't go to the state okay

257

so the funding of the trust is key

258

and here's other thing too this is the other trap a

259

lot of people make they set up the trust they fund the trust in the beginning

260

but then as time goes on and they build more wealth

261

and they acquire more assets they don't keep funding those they don't keep putting those assets in the trust

262

so for like me Properties in the trust, IRAs are individual because they don't apply here.

263

Properties in the trust, bank accounts are in the trust, and my interest in my companies are all in my name,

264

but there's an assignment into my trust.

265

Or you could just put the member of your company, if you're in an LLC, you can make the member, instead of Michael, you could make it Michael's trust.

266

Okay, all right, so make sure your assets are either owned by your trust or Deeded to your trust.

267

And then what about power of attorneys or who's managing this thing?

268

How do you structure that?

269

Okay, so this is not in the trust.

270

This is a part of the estate plan, but not a part of the trust.

271

So the next part, actually, the next part of the estate plan should be the wills, but we could skip over that temporarily and go to the power of attorneys.

272

So the trust deals with death.

273

power of attorney deals with what happens if i'm alive but i can't make the decisions for myself

274

god forbid you get into a coma you are incapacitated in some way shape

275

or form you become disabled

276

and you're no longer capable of making the decisions for you on two fronts one is finances

277

and the other is health care and

278

so you can elect a power of attorney that comes into place the the moment you're declared incapacitated in any way, shape, or form.

279

So you can have a power of attorney have the power today, or you can do what's called the springing power of attorney, or springboard power of attorney,

280

which is generally what most people do, which is what I said.

281

This person has the power to make my decision, if and only if I'm incapacitated.

282

Okay, so usually if you're a husband, that's most likely gonna be your wife or vice versa.

283

And then if something happens to both of you, you set the next person.

284

Yeah, and that's a good point because the trust is a family decision.

285

The power of attorneys are an individual decision.

286

So I've seen where a husband won't pick his wife to manage the money or the health care decisions.

287

They will pick a friend who's a doctor to do it, or they'll pick their brother.

288

Why everybody makes a decision is different.

289

Generally speaking, you'll see the spouse be the one to make the decisions, but the point is you nominated somebody.

290

Now, there was a case, I can't remember how long ago it was, where somebody was ill and they were in the hospital and there was a wife and a mom.

291

And the two of them were battling it out over how to manage the health care of the person that was sick.

292

And they had differing opinions.

293

And I think it was almost extreme as one was like, pull the plug, the guy is suffering, he is not going to live.

294

And the other one said, no, I want to fight, I want to figure out whatever needs to be done, done, and maybe a miracle will come.

295

There's no right or wrong.

296

well there is a right or wrong I'm not gonna get into what's right

297

or wrong the point is

298

if you don't say who makes the decision you are potentially

299

putting your family in a position where they're gonna have to

300

battle it out over what they think is the right call

301

so you make the decision as to who's making your decision

302

and the next part is you can actually make some of the decisions in advance yourself

303

which is the advanced health care directive right okay

304

so you to go into healthcare you want to go into

305

will uh let's go to healthcare directive as a as a continuation of the power of attorney for healthcare

306

so the healthcare directive is

307

some big decisions that you can make for yourself ahead of time

308

so that you're not putting the responsibility on the family member there are people

309

that love this because they don't want to put

310

that onus on their spouse some people say it's too hard

311

for me to know like what will come out of this

312

so i don't want to make this decision in advance let my wife

313

or my husband figure it out if and when

314

that situation comes up

315

so like things like you can have it where as an example two doctors determine

316

that there's no way for you to recover from this

317

and the only path forward is to pull the plug

318

so to speak yes you could have a do not resuscitate order like if you're in surgery

319

and something happens and you code out hands off don't try to make the person recover

320

so there are some larger decisions that you can make ahead of time

321

or you could just say i'm not making any of these decisions

322

and let my power of attorney for health care make the decision

323

if and when those things happen

324

so that's kind of the continuation of the health care i

325

want to go back real quick to the power of attorney

326

because as i said earlier the power of attorney has two decisions one is healthcare

327

and the other is finances and they can be different people

328

so one person makes your healthcare decisions the other one manages your money right

329

so they make sure that the mortgage is getting paid they you know

330

if you have to do ira distribute like they'll take care

331

of all the they have the ability to execute all of

332

the financial decisions on your behalf until hopefully you recover yeah

333

and i would say we are all gonna die but

334

when you start going through your estate planning and your will

335

and the power of attorney and what happens if you're in a coma

336

and you can't make decisions i remember going through that with jen

337

and going what do we do here and i ended up making the decision

338

if i'm in this situation pull the plug you know that's how many times did jen cry

339

when you did this at this conversation you know what she

340

didn't cry we didn't cry it was just it was uncomfortable

341

because we were young we were in our 20s doing this

342

and to think about those decisions in the future was it's weird.

343

It's definitely eerie feeling.

344

And then you start going through the things like we both, something happens to both of us and where did the kids go?

345

And one thing I'll say is as you start getting older, some of your relationships change and some of your overall views change.

346

And so you can change this up as you go on.

347

Maybe one family was going to get the kids if something happened and 15, 20 years later, maybe they're not in your life anymore.

348

Things have just changed.

349

And so that's on the board too.

350

It's not like you're setting something in stone forever.

351

You can always amend it.

352

Right?

353

As long as you're both alive.

354

Yes.

355

Okay.

356

Fair.

357

If you're, if you're still.

358

If one passes away though, something happens, which we can get into later if we want, but I real quick, just want to go back to the wills.

359

Okay.

360

Before I do though, I do want to touch on the point that you made that it is a very uncomfortable conversation.

361

Oh, it sucks.

362

And generally speaking, I've seen a lot of, especially the wives, crying at the possibility remote thought that their husband's going to be gone.

363

Because you're faced with a reality that isn't in front of you, but might be in front of you.

364

And it's very hard to work through them.

365

But the thing is, you work through it once, you revisit it every so often, and at least you know that you're taken care of.

366

Is there like a timeframe that you should revisit it?

367

Is it every two years, every five years?

368

I mean, I would revisit it usually every year.

369

I think there's a lot of value of having like a strategic planning session for your family, right?

370

Just like you do in your business, you get together with your partner, you say, what are our goals this year as a family?

371

What do we wanna accomplish?

372

Is it a financial thing?

373

Is it a vacation thing?

374

Is it a, you know, you kind of go through like, what does 2026 look like for us?

375

And one of the things that you can do in five minutes is just say, hey, here's the high level parts of our trust.

376

Did anything change for us?

377

There are so many people that don't touch that for years.

378

I had one client who came in, they set up their trust 20 years ago, and we were reviewing it for them.

379

And when we told them who their successive beneficiaries are, they literally were like, we haven't talked to that person in 10 years.

380

Yeah.

381

We have no relationship with them anymore.

382

And they were going to be the ones who were going to make sure that their children got their assets.

383

So I think at the very least, you probably want to do it once a year.

384

But even if you do it like once every three years, probably going to be fine.

385

So let's kind of go back now to the will.

386

So we did the trust.

387

we skipped to the powers of attorney and the health care directives

388

and let's kind of work our way back to the wills the wills are an individual decision as well

389

so the the husband makes a decision for his will

390

and the wife makes a decision for her will who is

391

the executor of the will meaning who executes whatever the will says

392

and this is the part where even if you forget to fund something in your trust,

393

the will can kind of pick it up for you after death.

394

So they call it a pour over will and they say that because if you take a cup and pour it, it takes the acid and it pours it back into the trust.

395

So let's say in a hypothetical example you have a trust

396

and you put your house in it

397

and you put your bank account in it

398

and then you have a business

399

but you forget to put the interest of the business in your trust you pass away

400

and then the trust picks up the house and the money

401

but it doesn't pick up the interest in the business then the court comes in

402

and the first thing they'll say is oh this person had

403

a trust fine they there this doesn't own the trust okay

404

or the trust is not part of this did they have

405

a will the first question the judges usually could ask and

406

if they have a will they're gonna say okay what is the will say

407

and the will is going to say grab any assets

408

that i forgot to put into my trust

409

and pour it into my trust after the fact now it will take care of it in the sense

410

that whatever you said for the trust you know 50 to child one 50 to child two it'll do

411

that the problem is it's still going to go through kind of the probate yeah

412

so the will will be a catch-all

413

but again you want to fund your trust with all of your assets the moment you create otherwise it's irrelevant

414

so you want to avoid probate court at all costs in california especially

415

and i'm sure many other states

416

but not the probate thing is kind of a state-by-state thing

417

so you want to you want to have a general knowledge of what your state looks like now

418

if you don't want to go to an attorney there are platforms

419

that will do this like i think um it's called will

420

and testament is like an online platform they take all the

421

state laws they draft all the documents it's a fraction of the cost

422

in the state planning attorney now i think probably like the going rate is around three grand i think will

423

and testament does it for a few hundred bucks dang um

424

and you know obviously we're not paid by them we're not

425

you know it's not a sponsored thing just i've heard of them

426

and from the research that i did i think they just apply all the state laws

427

but they won't fund the trust and they won't revisit it in the future

428

so it's a lower cost way to do it

429

but it means you have to do a little bit more work on your end

430

so you can get it done in multiple different ways but But the point is to just do it.

431

Okay.

432

So is that everything that we need to go over as far as your estate planning?

433

Do we miss anything?

434

If you want, we can get into an A-B split of what happens if, you know, one spouse dies and the other remarries to protect the kids.

435

But that might be too technical.

436

Okay.

437

We'll skip that.

438

We'll make a whole episode out of that one.

439

Okay.

440

I want to close on this one.

441

You brought up making sure you're having a family team meeting every year and seeing what changed, right?

442

Big changes, you're probably amending your trust, right?

443

Your state planning is going to have some tweaks.

444

What are those big things?

445

Marriage, like you get divorced and remarried.

446

That's going to be a big one.

447

If you get divorced, remarried, let's say that you had a falling out.

448

Let's say your sibling, your brother, is the one that's going to take your kids if something happens to you.

449

And let's say you had a falling out with your brother

450

or your brother relocates out of the country

451

or he's gone down a path that differs from you and your value system, right?

452

Like you're a faith-based person and he's not, and you want your children to be raised in that faith-based environment.

453

I bet you political has become a thing.

454

Political is probably a thing too.

455

Yeah.

456

So maybe your brother shouldn't be the first person that takes kids.

457

So, okay, who should it be?

458

By the way, it's not just one person.

459

So like we have three people, none are family, by the way.

460

we have three uh families

461

that we have in our trust to take over for our children

462

if something happens to us

463

if the first family says no then it goes to the

464

second family second family says no goes to the third third says no then it goes to our family

465

but we set it up that way strategically

466

because we're raising our kids in a little bit of a different system than how my family raises their kids

467

so it's not a knock on them i just want my

468

kids to grow up in the same environment we're raising them in right now okay

469

so if you went through creating a trust and a will

470

and you if something happens to you you know a family's gonna be raising your kids do you tell

471

that family that you put them into the will or do you surprise them no no no so really good question

472

you want to meet with that family for even

473

if it's your your family

474

and your brother your sister you want to tell them hey

475

look i'm putting you as the first person to take over

476

for the children are you comfortable with it make sure

477

that they're on board second and third also as well and

478

if they are you set it up

479

and then you want to give them a copy of it too

480

so that they have a copy of your documents this way any potential issue

481

that comes up of not knowing who and what

482

and where gets resolved because

483

that person knows like you know this person passed away i have to step in now

484

and do my thing if they choose not to do it 20 years down the road

485

or 30 years down the the road you have the succession

486

plan set up too by the way we're talking about beneficiaries

487

but this applies to your your successor trustees as well

488

so your successor trustees are the people that execute yeah what it is

489

that you say in the trust they close the bank accounts

490

they distribute it to the beneficiaries they sell the assets you could put somebody

491

that you thought was wildly competent in the beginning

492

and then you had a complete falling out with them

493

or you no longer think

494

that they're going to be able to do the job well

495

you need to figure out who your new successor your trustee is going to be

496

and then you got to talk to them about it too.

497

So there's the who gets it and then there's the who makes sure that they get it.

498

Yeah, you imagine that surprise.

499

We put somebody who has two kids as taking ours and all of a sudden now they have seven.

500

Yeah.

501

Whoo, that'd be a big move.

502

That'd be a big surprise.

503

One of ours has seven.

504

And I was like, are you sure you want 11?

505

And got a plus and they're like, yes.

506

All right.

507

All right, Mikey, close this thing down for us.

508

If you have kids or you have assets, please do not hesitate on doing something like this.

509

It is so unbelievably important and it's so wildly underestimated

510

that the majority of the people in the country don't actually have this thing set up for themselves.

511

Don't think that it's not going to happen to you.

512

It's going to happen to all of us.

513

The question is going to be when.

514

when it happens spare your spouse spare your family spare your

515

children from all of the let them mourn your death

516

and not have to be in a position to have to fight over what happens where

517

and how and to who and all

518

that stuff the more you take care of this today the

519

less the burden is going to be upon them after you die

520

so just get it handled do it once revisit it once a year and you'll be fine later

ดาวน์โหลดแอป

ทุกอย่างที่ต้องใช้เพื่อพูดได้คล่อง

AI ให้คะแนนการออกเสียงให้คะแนนทุกประโยค

ฝึก IPAเชี่ยวชาญทุกเสียง

คำศัพท์สร้างคลังคำของคุณ

เกมคำศัพท์เล่นไปเรียนไป

สแกน QR

Download on theApp Store Get it onGoogle Play

FOR YOU

วิดีโอแนะนำ

468 ประโยค

How To Plan Your Life For Success & Handle Change P1: Dr. Myles Munroe's Strategy | MunroeGlobal.com

Daily ConversationWorking Adults

47 ประโยค

คำศัพท์และข้อสังเกตด้านการพูดสำหรับบทเรียนนี้

บทเรียนฝึกพูดระดับ B2 นี้ใช้วิดีโอ “Estate Planning Explained: Trusts, Wills, and Powers of Attorney” เป็นสื่อ คำที่ถูกพูดซ้ำบ่อยที่สุด: trust, decision, estate, happen, assets วิดีโอนี้มี 519 ประโยค และ 6016 คำ สำหรับฝึกพูดตาม ช่วงที่มีเสียงพูดยาว 30:11 ผู้พูดพูดเร็ว ประมาณ 199 คำต่อนาที จึงมีการเชื่อมเสียงและลดเสียงค่อนข้างมาก 91% ของคำอยู่ใน 3,000 คำที่ใช้บ่อยที่สุดในภาษาอังกฤษ คำศัพท์จึงตามได้ง่าย

คำศัพท์สำคัญในวิดีโอนี้

คำที่ยากที่สุด 15 คำในวิดีโอ พร้อมคำอ่านและความหมาย:

คำศัพท์	คำอ่าน	ความหมาย
trustee คำนาม	/tɹʌsˈtiː/	ทรัสตี
spouse คำนาม	/spaʊ̯s/	คู่สมรส
successor คำนาม	/səkˈsɛsɚ/	ผู้สืบมรดก
pour คำกริยา	/poɹ/	เท
execute คำกริยา	/ˈɛksɪˌkjuːt/	ประหาร
plug คำนาม	/plʌɡ/	ปลั๊ก, เต้าเสียบ
scenario คำนาม	/sɪˈnɛəɹioʊ/	ฉากทัศน์
creditor คำนาม	/ˈkɹɛdɪtɚ/	เจ้าหนี้
forbid คำกริยา	/fɚˈbɪd/	ห้าม, ปราม
coma คำนาม	/ˈkoʊmə/	โคม่า
umbrella คำนาม	/ʌmˈbɹɛl.ə/	ร่ม, ฉัตร
testament คำนาม	/ˈtɛs.tə.mənt/	พินัยกรรม
myth คำนาม	/mɪθ/	ตำนาน, นิทาน
uncomfortable คำคุณศัพท์	/ʌnˈkʌm.fɚ.tə.bl̩/	ไม่สะดวก
accumulate คำกริยา	/əˈkjuːmjʊˌleɪt/	เก็บ

กริยาวลีที่คุณจะได้ยิน

คำศัพท์	ความหมาย
pass away คำกริยา	เสียชีวิต
go out คำกริยา	ออก, ออกไป
go back คำกริยา	กลับไป
pick up คำกริยา	ยก, หยิบ
bring up คำกริยา	เลี้ยงดู, ฟูมฟัก

ประโยคที่ควรฝึกพูดซ้ำ

ประโยคสั้น ๆ ที่สมบูรณ์จากวิดีโอ ซึ่งนำไปใช้ในบทสนทนาประจำวันได้:

I don't think that's accurate.
Ryan, can you look that up?
How do you structure that?
What do we wanna accomplish?
Did anything change for us?

ไวยากรณ์ในวิดีโอนี้

โครงสร้างที่ผู้พูดใช้บ่อยที่สุด พร้อมคำพูดจริงจากวิดีโอ:

โครงสร้าง	ในวิดีโอ
ประโยคเงื่อนไข if + อนุประโยค, will/would + กริยา — เงื่อนไขและผลลัพธ์	if they have a will they
Passive voice be + กริยาช่อง 3 — เน้นสิ่งที่เกิดขึ้น ไม่ใช่ผู้กระทำ	being taxed · been taxed · should be split
Present perfect have/has + กริยาช่อง 3 — เหตุการณ์ในอดีตที่ยังเกี่ยวข้องกับปัจจุบัน	has already been taxed · have handed · have let
Relative clauses who / which + อนุประโยค — ข้อมูลเพิ่มเติมเกี่ยวกับคนหรือสิ่งของ	this which means · ones who were · somebody who has

การออกเสียงที่ควรระวัง

ผู้พูดใช้รูปย่อและรูปลดเสียง 156 ครั้ง เช่น don't, you're, they're ให้พูดแบบสั้นตามที่ได้ยิน

เสียง “th”: myth /mɪθ/, hypothetical /ˌhaɪpəˈθɛtɪkəl/, thorough /ˈθʌɹoʊ/
เสียง “sh” และ “zh”: beneficiary /ˌbɛn.ɪˈfɪʃ.ɚ.i/, continuation /kənˌtɪnjʊˈeɪʃ(ə)n/, fraction /ˈfɹæk.ʃən/, succession /səkˈsɛʃ.ən/, accomplish /əˈkɑm.plɪʃ/
คำยาว — ลงเสียงหนักให้ถูกพยางค์: beneficiary /ˌbɛn.ɪˈfɪʃ.ɚ.i/, incapacitate /ˌɪn.kəˈpæ.sɪ.teɪt/, executor /ɪɡˈzɛkjʊtɚ/, continuation /kənˌtɪnjʊˈeɪʃ(ə)n/, uncomfortable /ʌnˈkʌm.fɚ.tə.bl̩/

เสียงที่คนไทยมักออกเสียงยาก:

เสียงท้ายคำ — ออกเสียงให้ครบ ไม่เปลี่ยนเป็นตัวสะกดแบบไทย: directive /daɪˈɹɛk.tɪv/, spouse /spaʊ̯s/, myth /mɪθ/, disable /dɪsˈeɪbəl/, hypothetical /ˌhaɪpəˈθɛtɪkəl/
/v/ — ไม่ใช่ /w/ ให้ฟันบนแตะริมฝีปากล่าง: revisit /ɹiːˈvɪzɪt/, directive /daɪˈɹɛk.tɪv/, variable [ˈvæɹ.i.ə.bl̩], overwhelm /ˌoʊ.vɚˈwɛlm/, imperative /ɪmˈpɛɹ.ə.tɪv/
/z/ — เสียงก้อง ไม่ใช่ /s/: revisit /ɹiːˈvɪzɪt/, executor /ɪɡˈzɛkjʊtɚ/, hesitate /ˈhɛz.ə.teɪt/, resolve /ɹɪˈzɑlv/

วิธีฝึกกับวิดีโอนี้

ฟังวิดีโอให้จบหนึ่งรอบโดยยังไม่ต้องพูด แล้วจดคำที่ยังไม่รู้จัก
เริ่มที่ความเร็ว 0.75× พูดตามทีละประโยค แล้วกลับไปใช้ความเร็วปกติเมื่อเริ่มคล่อง
อัดเสียงตัวเองแล้วเทียบกับต้นฉบับ โดยสังเกตคำอย่าง trustee, spouse, successor เป็นพิเศษ

เทคนิค Shadowing คืออะไร?

Shadowing เป็นเทคนิคการเรียนรู้ภาษาที่ได้รับการรับรองทางวิทยาศาสตร์ พัฒนาขึ้นสำหรับการฝึกนักแปลมืออาชีพ วิธีการนี้เรียบง่ายแต่ทรงพลัง: คุณฟังเสียงภาษาอังกฤษจากเจ้าของภาษาและพูดตามทันที — เหมือนเงาที่ตามผู้พูดด้วยช่วงเวลาห่าง 1-2 วินาที การวิจัยแสดงว่าเทคนิคนี้ปรับปรุงความแม่นยำในการออกเสียง ทำนองเสียง จังหวะ การเชื่อมเสียง การฟังเข้าใจ และความคล่องแคล่วในการพูดได้อย่างมีนัยสำคัญ

เทคนิค shadowing: อ่านคู่มือฉบับเต็มทีละขั้นตอน →

ฝึกพูดภาษาอังกฤษด้วยเทคนิค Shadowing จากวิดีโอ: Estate Planning Explained: Trusts, Wills, and Powers of Attorney

เลือกโหมดฝึก

ดาวน์โหลดแอป

How To Plan Your Life For Success & Handle Change P1: Dr. Myles Munroe's Strategy | MunroeGlobal.com

As a defense attorney, how can you represent someone whom you know is guilty?

Would you dip into retirement savings to buy a home? | 9 News Australia

The Shortest Podcast In The World - 15 Minute Podcast #1

You Have 5 Years to Get Rich Before AI Takes Over

The smart way to name your content

How Do I Know if I Made the Wrong Choice?

WHAT is your WHY? #shorts

Never Do These 4 Things On Your Work Computer (Lawyer's Warning)

When Social Pressure Starts Affecting Your Financial Goals

Every Common Cause of Death & How to Avoid It, Explained

07.b Wealth Steps MS - Effortless Business English

คำศัพท์และข้อสังเกตด้านการพูดสำหรับบทเรียนนี้

คำศัพท์สำคัญในวิดีโอนี้

กริยาวลีที่คุณจะได้ยิน

ประโยคที่ควรฝึกพูดซ้ำ

ไวยากรณ์ในวิดีโอนี้

การออกเสียงที่ควรระวัง

วิธีฝึกกับวิดีโอนี้

เทคนิค Shadowing คืออะไร?