ฝึกพูดภาษาอังกฤษด้วยเทคนิค Shadowing จากวิดีโอ: What Chrishell Stause Has Learned From Million Dollar Deals | Richer Lives | Episode Four

That idea of, you know, clenching your money, you know, under a mattress and not doing anything with it.

Go talk to someone.

Figure out who you need to talk to.

Ask those questions.

Put it into an account that can slowly be growing money.

That's something I didn't do.

So I would definitely, if I could go back, I'm telling you, go do that.

I'm Vivian Tu, a .k .a.

Your Rich BFF and your favorite Wall Street girly.

I'm Brian Walsh, a .k .a.

Dr. Money.

And I lead financial planning at SoFi.

And this is Richer Lives, the show that helps you learn how to use your money to live your best life.

We all want more dollar signs on our bank account.

But also more fulfillment, satisfaction, and success.

So we're here to bring you conversations with inspiring guests.

Who've been where you are and are now where you want to be.

And we'll provide guidance that aims to get you there step by step.

Because everyone deserves the opportunity to live richer lives.

Brian why do you think people are so into real estate shows

so am i people kidding kind of

so i think at the end of the day they like to see the houses

and kind of lives that aren't their own and on top of

that i think the drama of the relationships between the real people

that are on those shows i mean that's why i love them that's why i'm

so excited to have Chrishell Staus on the show with us today.

You might know her from all six seasons of Netflix's Selling Sunset, where she's gone from the new girl to the talk of The Office to newly married.

All that's to say, she has been through some stuff, and I bet she has lots of life lessons to share with all of us.

And she seems to be very on top of her finances, so I cannot wait to talk to her.

Before we get into talking with Chrishell, though, let's take a moment to have that talk about transparency that we always start each episode with.

It's our way of just showing you how clear and honest we want to be at SoFi.

On that note, everyone you hear from today has been compensated for their time, including myself and Chrishell.

We're what's called a non -client promoter of SoFi Wealth.

And I'm a registered representative of SoFi Securities LLC and an investment advisor representative with SoFi Wealth LLC.

Basically, in every episode of Richer Lives, it's my job to make sure that nothing said is false

or misrepresents the truth around investing and is generally just good information that helps people get their money right.

When it comes to buying or selling houses, there's no agent that we'd all like to work with more than Krishel Staus.

You probably know her from the wildly successful Netflix series Selling Sunset, or if you're a soap stan, you might remember her from Days of Our Lives.

Welcome to RicherLives, Krishel.

Thank you for having me.

Well, if you guys are in the market for a house, call me up.

Okay, so Krishel, we always like to start with an icebreaker.

Are you ready?

I'm ready.

Let's do it.

Okay, so let's pretend AI takes over the real estate business.

Not too far off.

Okay.

What are you changing to and why?

Well, I have to say I really like having multiple different streams of income just in case anything ever falls through.

So I have a lot of things that I pursue, whether it's, you know, reality TV or hosting or writing or recently I've really gotten into,

you know, fashion and I did align with that.

But I feel like anything that makes you happy, anything that makes you smile is something that can always start off as a hobby.

But you never know if you put some time and effort, especially now in the days of, you know, TikTok, things like that, what can end up becoming, you know, a fuel for income.

So, yeah, I mean, Perfect example right here.

Yeah, yeah.

You're talking to someone who knows.

I love you.

I know, this is how we found each other.

Viv, what's your favorite part about SoFi?

Hands down, without a doubt, at the top of my list is SoFi checking and savings.

Not that everything else SoFi offers isn't amazing

but a high yield savings account is the cornerstone of what

i believe everyone needs to start getting their money right you're totally right

if you're not keeping your savings somewhere where your money is

making money then you're missing out especially as interest rates rise the apy on your money

and sofi savings has risen as well the other really important

part of the high yield savings account is making it simple to transfer your money back

and forth to your checking account

and with sofi there's no limit on transfers between them you

can set up to 20 volts for all of your savings goals

and of course all of

that is available in the sofi app 24 7 the other

really cool thing about moving your savings to sofi is

that you can access additional fdic insurance up to 2 million

dollars on deposits available through a seamless network of participating banks

so stop letting your savings sit in a dark corner

and give it a moment in the spotlight move your money to sofi checking

and savings plus get up to 250 when you also set up direct deposit.

You can sign up by going to sofi .com slash richer lives.

So, Chrishell, you've talked about that when you were younger, living in a trailer park meant you were doing better than usual.

And now I want to know, after living all of this life, what does rich mean to you now?

Now that you are selling and buying $40 million homes for your clients, do you consider yourself rich?

Well, I'm still not to the point where I personally would be buying a $40 million house,

but I do consider myself rich in the way that yes, those things that used to be really stressful are not stressful anymore.

I don't have to think about coming up with excuses of why I can't do things, because really I'm worried about why I can't go to

that restaurant or looking at a menu

and being like what can I actually order oh my god we're splitting everything evenly just all the things

that you know you don't want to be very vocal about

I not only think of rich being you know not having to stress about having my bills paid

but as far as you know the people I have around me you know

and the things that matter and I feel really rich in

that area with you know family and friends

and you know just the um circle of support that i have

so the fact that i've figured out a way to have all of

that it does make me feel really rich you know i

think a lot of people gauge rich with can i say f you money um

so i don't have that

but i feel like you know really rich in far as

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like i said like where i've come from to to have

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that peace of mind

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and be able to give back has really just made me feel like you know i did it So on Selling Sunset, it involves real estate.

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And anytime it comes to buying...

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Barely.

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I'm sorry.

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I mean, but that's the premise.

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So anytime it comes to real estate, emotions get into play and dealing with psychology of buyers and things like that.

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What are some common pitfalls or challenges you see either buyers

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or sellers kind of go through when it comes to that process?

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I think that I have seen a lot of people

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get a little wrapped up in the LA market of wanting to show out a little more than,

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you know, now you have to remember when you buy this house, it's going to come with property taxes every year.

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It's going to come with a lot of money to keep it going, whether that's, you know, I don't know, whatever the house is.

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Yes, exactly.

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So many things.

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So I think that, you know, people forget to factor all of that in.

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I personally try to talk people into, okay, take the number that you feel like you definitely, this is what you were approved for.

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And I really think you should go under that so that you still give yourself some leeway.

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See, like that's perfect from a financial planner perspective, because that's how we always look at it.

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It's like whatever you get pre -approved for, like you should never be buying that house because if you are, you're going to be cash poor.

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You're not going to be able to afford the ongoing maintenance, all that type of stuff.

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If you're overextending to buy the house, are you going to actually be happy in that house?

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Because you want to end up making it a home.

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And if you're stressed out all the time, I mean, yeah, the house might be pretty, but is that going to feel like a home when you have this stress on your family?

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So I try and remind them, you know, to keep that in balance.

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I think that's a really good reminder that, you know, you're working with some of these clients that are ultra high net worth.

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Even really, really rich people can sometimes get caught up in keeping up with the Joneses what would you say is something

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that like rich people and the average person think differently about money?

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Well, this is interesting to me because having been raised in an environment where, you know, when you feel like you get money,

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you put it under, you know, the mattress or something.

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And then now living in this world, I had to basically deconstruct everything that I learned about money because I realized, you know, if you do that,

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you're never going to grow money.

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And I'd never really even known or heard of the concept of money growing money.

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That didn't even make sense to me.

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So investing was something that was a completely new idea.

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It felt very scary to me.

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So I think that, you know, when people are raised in an environment where they had money growing up, these are things that they were taught.

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Well, this isn't really taught in our schooling system.

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It certainly wasn't when I went to school.

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And so it's just something that I had to kind of learn the hard way.

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And I think that is the biggest difference, you know, where, you know, I don't think that when we grow up poor, you don't know where your food's coming from.

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You're not thinking about investing.

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Yeah, totally.

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And what would you say is like one behavior

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that no matter how rich someone is or no matter how broke somebody is, like, that is a commonality you see across everybody?

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To be honest with you, money can't buy happiness.

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I know we all say that.

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And when you really grow up without it, you think, yeah, it can.

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I have to be honest, there are a lot of stressful things that are a lot less stressful.

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I do work with very high wealth individuals and some of them, you know, aren't the happiest people that you would just assume.

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So the grass is not always greener.

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You have to keep that focus on knowing, you know, the people that are gonna be around you

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when the champagne isn't popping and you're not on the top of the world, who make sure your friends are still the friends that are gonna be, you know.

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Two of my best friends in the whole world are the ones that let me crash on their couch in college.

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You know, so they don't care, you know, if tomorrow all of this went, you know, down the drain.

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I think that that is the commonality in that money does not buy those types of things.

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I think we come across a lot of people who, you know, similar to what you said, didn't learn about money growing up, whether it be in school, from their families, different things like that.

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As someone who started there and then now has a firm grasp of things, what piece of advice would you give to people to kind of start

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that journey of learning about money and taking those first steps?

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Well, follow you, first of all, because you give really great advice.

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I think that this show is a great, you know, platform for that.

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I think that this whole world of social media is really helpful for people because...

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You guys, I didn't pay her to say it, by the way.

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I just want to be really clear.

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No, but it's interesting how,

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you know, you can get this intellectual information now so easily that really was not easily accessible before.

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So I think that that's amazing.

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And I also think that, like I said, you don't have to have gotten that dream job to start thinking about investing.

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You can start investing and do it by percentages.

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Whatever you're making right now, find out what your expenditures are and find out what percentage you can put away each month, no matter what the job is,

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so that you can just slowly grow that and invest that.

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Yeah, and I think one of the things you hit on was so powerful with social media because like with financial education, everyone kind of thinks like, oh, if we just taught all the kids in high school,

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all the basics of personal finance, they'd be good to go.

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But so many people forget what they learn with finances if they don't use it.

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So I think that's why like social media content like this can be powerful because you're thinking about buying a house.

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Cool, let me tune into this episode.

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You apply it right away.

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So I think that's just an interesting way for people to learn about personal finances

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that I guess is different now than ever before.

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It's so refreshing to hear from someone who has seen

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so much success that it's still intimidating for you because you say some people might know exactly what they're doing.

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There are far more people who don't and they think everyone else does.

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And then they're too afraid to ask for help because we don't talk about how we don't teach this in school.

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So I love that you said that.

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Yeah, because there is a fair amount of overconfidence where people who think they know what they don't know, then they start making mistakes left and right Versus being, I guess, vulnerable and honest enough to say,

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okay, let me ask questions.

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Let me look at information.

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And especially even with housing, you know, there are multiple different types of loans.

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You know, just because you can get a house, you have to know what that loan is.

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This could be a really terrible loan.

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And you're, you know, 10 years down the road, you realize you've barely put any money into your home.

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I think that we're used to, you know, just letting someone else do it.

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But unfortunately, you're going to do better if you get in there, ask those questions and, you know, how much.

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OK, ask.

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No question is stupid.

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I used to do this.

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Oh, they know better than me.

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I'll just defer to them.

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You know, I think it really is.

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I got lucky and I had somebody that really kind of took me under their wing and helped me through that process.

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And so not everybody has that.

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So I do I do think that it's important to, you know, make sure you get the right loans, make sure you're asking the right questions.

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I'm kind of a research nerd.

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So with financial education, there's something called the decay effect.

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And essentially, it's like if you don't use it, you lose it.

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And for some reason with financial information, it's way more than anything else.

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So it's kind of one of those things where it's like just in time content where you're going to buy a house.

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Cool.

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Let's watch some videos or you need to invest.

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Great.

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Let's watch some videos like that is way more powerful than saying, OK, I'm going to open up a personal finance textbook, read everything and think you're going to remember it for the rest of your life.

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I'd love to take a second to pivot.

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So I'm getting married next year.

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Congratulations.

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Thank you.

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I'm very excited.

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Wedding planning is a nightmare.

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But just a loaf in Vegas.

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It's way in here.

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I'd love to know that when you and G decided to combine your lives, when did you have the conversation of, hey, should we get joint bank accounts?

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Like, you know, how are we going to make two lives into one?

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Personally, I think that you should always keep some independence in a relationship.

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You never know what's going to happen.

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So as someone that speaks from experience, I say always keep some independence.

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But when it comes to, you know, down the line and, you know, raising children, that kind of a thing, I'm sure that conversation will change when there's certain things where,

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you know, so it depends on where you are.

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Right now, we're very independent, but obviously, I do think that that would change and have, you know, a family account when it comes to, you know, raising kids, which I think would be the reason that,

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you know, you would want to have that together.

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Yeah, daycare is expensive.

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You know, I mean, it's kind of funny because my wife and I would take the complete opposite approach.

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Everything's combined.

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But there's, like you said, there's no right or wrong answer here.

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Like, my approach makes sense for my relationship, yours for yours.

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Exactly.

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So another area that we see come up is, let's say, for example, you know, in your relationship, there's gonna be inconsistent income from time to time.

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Just it's the nature of things.

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How do you go about smoothing things out, kind of planning out your finances, knowing that there's gonna be great times, there's gonna be not great times and kind of smoothing out the ebbs and flows?

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Well, I've never been one to spend it as it comes in.

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I mean, I've been one that's like, oh my God, I got a job.

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Like, I don't know how long this job will take me because I started in soaps and, you know, you can be written off at any time.

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I save as if this job could be the last.

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Yeah, and I'm sure that was helpful with your real estate career because that income is not consistent, but when it comes, when it rains, it pours, it's chunky.

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Every single job I've ever had has been very inconsistent income, especially in luxury real estate because,

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you know, you could look at your portfolio and be like, oh, you only sold two houses in that year where it's like, well, one was a $10 million house and it took me forever.

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Like it was so much work.

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But then when you finally, you know, when you're investing in the marketing and all that stuff, you finally make that check.

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Yeah, you can't go out and just blow it.

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That could be, you know, your last sale.

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So there's certain things I feel really, you know, it's luxury to splurge on and I see the value in doing that.

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But that being said, there's other things I'll be super cheap on where people are like, why are you doing this? you know, like, you know, certain like domestic flights or something where I'm like, it's two hours.

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I'm sitting, there's a middle seat.

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I'm taking it.

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It's like $2 ,000 more to sit in the front.

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Like I'm going to sit here for, you know, two hours of your time, $2 ,000.

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I can't, I can't wrap my brain around the value of that.

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So we kind of talked about before with like splitting things up and everything in your relationship.

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Another kind of common starting point we talk about with couples is aligning on shared goals

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because like kind of like the goals are what drive everything.

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So I'd love to hear how like you and G talked about like shared goals, figuring out those types of things and I guess like prioritizing them.

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I think it's one of those things, you know, we're just very open and transparent about everything.

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And one of those being, you know, we're trying to combine our lives and talk about family planning.

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And that is something that, you know, is a shared goal of ours.

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And, you know, because we are a same -sex couple, I feel like it's one of those things where,

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you know there's a lot more planning involved where you know it's just you know

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and that's a financial you know decision and so I think

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that it's one of those things

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that um I'm excited about it's a it's a luxury

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that I feel really lucky to be able to do um

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but I do think that you know

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that that's something a lot of people go through it's not

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cheap to you know whether you're in a same sex relationship

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or whether you are you know in a relationship where you're

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you know you're not able to get pregnant naturally there are alternatives

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but they're pricey so i think

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that you know one of our shared goals is just you know um working

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that out and you know trying to figure out how we get our lives to combine

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because g has you know even now they have a studio in la

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but it's not like i have a space in my house for a big studio

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so we're trying to figure all this out yeah throughout all your responses it's centered around like communication

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and i think like if i could just take that

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and like pass it on to any person we talk to from a financial planning perspective i would

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because we always hear like money is the top cause of divorce all these other things that's

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because money arguments they linger they're severe and they just kind of never end

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and they sit there the only way to go over

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that is communication

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so like the same thing you're talking about is exactly how

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people should be approaching money in a relationship yeah i think

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that you should have those conversations even if they're uncomfortable i also think

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that having those conversations with a partner that is the perfect fit for you, you're, you just look so happy.

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Like you're happy, even if it's something that could have a little bit of adversity to get through, like you're doing it together.

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You're a team.

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You can have these conversations, but yeah, if you're in a bad relationship, you got to watch a different channel.

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Brian, what are the three things we always talk about on the show?

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Meeting with a financial planner, a high yield savings account and having all your finances all in one place nailed it

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which is why i want to talk to all of our viewers about the one thing

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that we haven't discussed yet

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and it seems very fitting with today's guests home loans sofi does offer home mortgage loans

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which is just one more way

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and flexible loan options and

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if you set up sofi insights you You can include the value of your home in your overall financial snapshot

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so you know how much you have left to pay on your mortgage and how much your house may be worth.

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Next time you're in the market for a home, check out SoFi Home Loans.

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It might be exactly what you're looking for.

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Find out more at SoFi .com slash Home Loans.

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We're back with Chrishell Staus exploring her rich life.

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We've gone deep into her come up as a top real estate agent and reality star.

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Now let's lighten things up with a quick game of let's G flip this house.

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That's right.

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Sometimes partners are the hardest to please.

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So let's pretend you and G buy a house together.

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What are the top three home improvements you're doing?

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Okay, this is easy for me.

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We both, you know, I think we would love, you know, our own closets um

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when i renovated my home i did it you know for myself living there

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and i just made myself an amazing closet but with absolutely zero thought of anything

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so these are conversations that we have um so yeah two separate closets

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and then come on anyone that's been in a relationship can understand the value of having separate bathrooms

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or at least a double vanity double vanity is the most yeah yeah um yes

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so i i would say you know those are luxuries

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that are you know

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if you can do it i think it'd be amazing improvements

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as far as you know a soundproof room mine are probably

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different than other people's you know g plays drums it's not the most neighbor friendly thing um you know so

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but then that'd be perfect we could use the drum room

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you know at night the baby's crying you shut yourself in a soundproof room The other person can sleep.

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It has many uses, so.

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Chrishell's really trying to avoid any HOA for you.

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Yes.

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Yes.

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What about if you can pick three improvements for you?

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You can pick three improvements for G?

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Now what's on your list?

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Okay, dream home, because I made my closet so amazing.

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I still want my closet.

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So closet, closet.

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Okay.

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Okay.

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Neither one of us cook.

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So I think a lot of people would say kitchen.

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We don't care about the kitchen.

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We don't even use it.

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Studio for G.

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Okay.

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For me, I would say have a spray tan booth.

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That's a genius.

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Yes.

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You know what?

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It's safer than going outside, sitting under the UV rays.

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It's good for you.

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And I did a collab, so I didn't pay for it.

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Guys, I'm still cheap with a lot of things.

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You are very frugal.

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I love that about you.

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What else?

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Okay, two more.

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I get two more.

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I think G would like a garage.

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They're into cars, and I don't really care about cars.

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And then for me, last one, what's something I'd really love?

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Just something silly, oh, one of those rooms with like a hidden door, and you'd like take a slide, and it's like something fun down there, like some kind of entertainment space,

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something with like a fun wow factor.

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I mean, a hidden room would be amazing.

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Yes, you're like moving a candle stick or something.

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Am I the only one who has watched too many scary movies, and I love the horror movies where like they have a hidden bookcase

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and that's like their panic room where they can like see like the intruders that's good too

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or is that like crazy but that's good

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so it could be an entertaining space

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but it could double as a panic room yeah okay now i mean from a professional perspective does that add

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or decrease from home values oh panic rooms increase okay yes

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panic rooms are very popular actually on the market okay really yes they you can definitely okay

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so it's not just who's like a little like crazy about

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that no i think people really love when they

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when that's already built and done people love that okay

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so you gotta take the slide into the pan mine would be the only one

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that is a slide i haven't seen that yet

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but it could be fun yeah good so you mentioned

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that you are cheap which same what are some of your most toxic cheapskate habits

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and what are some of your best okay well i'm actually going to take the word toxic literal rule here

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because oh no I this is silly

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but you know those eye makeup remover pads yeah

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and I feel like sometimes you know I'll use it

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and I'll barely just need to clean up under my eye

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but like it's just one little piece I'm like I didn't

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even use the other half of it I should cut it

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and then put the other piece in sometimes I'm in a hurry

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and I don't I know I shouldn't do that okay I need to put a little pair of scissors next to it, but this is, these are the things I, I don't know.

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I don't like to, I don't like to waste food.

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So I've also been known to, after you go to a restaurant and then you friends decide, you know, you want to go somewhere after I've got the doggy bag.

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You're like at the club with the doggy bags.

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I have done that once or twice.

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I mean, it could come in handy later in the evening though.

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But that is the thing I get made fun of, but then who is happy the next day when they have the leftovers

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and maybe you had a couple of drinks the night before, I'm just saying.

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So those are maybe toxic slash silly, one toxic, one silly.

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And then the ones that have paid off, I think, like I said, like who remembers a flight you took three years ago?

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But guess, you know, I have the, you know, that adds up in your bank account if you're not splurging every single time.

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I like that you say, you know.

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Take the budget flight for the two -hour flight.

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That way, when you go to Japan, you can lay flat, have a drink, enjoy yourself.

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Exactly.

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That is really, you know, yeah.

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And it's kind of funny because, like, people look at budgeting or, like, saving money.

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Like, it's a dirty word.

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But it's kind of like the discipline you put in place.

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That way, you have the freedom to enjoy yourself where it matters.

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So, I mean, how do you kind of prioritize and pick and choose where you splurge versus where you cut back?

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I think it's really important for people to, you know, have a tally of what are your expenses every month?

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Like, what is the amount of money that you really need to get by?

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Not want, but need.

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And then when you go from there, you know, where's the cushion fall?

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As far as myself, you know, I do prioritize experiences over material things.

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It's very millennial of us.

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Yes.

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I mean, truly, I don't know what I'm wearing right now, but these are, you know, $100 shoes.

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I've tried buying expensive shoes and they hurt my feet

418

and I can't walk in them

419

and I think it's like you know a status thing I'm not saying I don't have some

420

but I end up you know I just feel like I

421

don't know I don't have you know those certain things

422

that call people

423

that I just feel like you know a luggage for instance

424

you can go spend over a thousand dollars on a piece

425

of luggage is going to get beat to hell beat up okay

426

so going back to real estate we talked about how Panic rooms could be worth it.

427

We talked about what, you know, would be worth it to you and G.

428

What are some things that aren't worth it as far as people making upgrades in their houses?

429

I would say some updates that I've seen that I have to be brutally honest with my clients.

430

I know you spent a million dollars on this state -of -the -art sound system, and these speakers were flown in from Germany and handmade,

431

but no one cares.

432

Like, anything that's super specific to your taste, a lot of times, doesn't equate to value in a home.

433

Okay, going off of that, I do have a spicy item.

434

I feel like this is, like, hotly debated.

435

Pools.

436

Add or detract value because I feel like they were always a value add until kind of recently when people were like, oh, we don't want pools.

437

It's, like, a safety hazard.

438

Pools, I feel like, can go either way.

439

Of course, a lot of times in L .A., it's a lot nicer to have one.

440

It's easier for me to sell if it does.

441

But depending on, you know, the cost, I feel like as a real estate agent, am I going to rather sell a house with one?

442

Yes.

443

I also just want to say as a real estate agent, if you're planning on moving and selling your home, a lot of times people are like, oh, well, let's put a pool in because it will add value.

444

I think the better thing to do is, you know, obviously for the realtor, when they're showing people the property,

445

a pool can be added in and they are willing to do it if, you know, so that way when you find the right buyer, if it's something that they want, you can work it into your contract.

446

And then you can also, they can put in their input.

447

But I just think it's smarter than just like throwing it in when you're already moving out as, you know, because it's a little shaky whether or not,

448

you know, the family that wants to buy it actually has small children

449

and a pool is more of a safety hazard for them.

450

And you've had such, you know, a successful career.

451

You have all of these highlights.

452

What's some advice that you would give to 18 or 21 -year -old Chrishell?

453

So many things.

454

How much time do we have?

455

Oh, my God.

456

Um, okay.

457

Um, okay.

458

Specifically about money and investing, let's narrow it down.

459

Um, I would say, you know, again, that idea of, you know, clinching your money, you know,

460

under a mattress type of thing, even if it is in a, you know, a banking account and not doing anything with it.

461

Um, go talk to someone, figure out who you need to talk to, ask those questions, put it into an account that can slowly be growing money.

462

That's something I didn't do.

463

So I would definitely, if I could go back, I'm telling you, go do that.

464

And also, you know, find the people that you trust to guide you in the right way.

465

Someone that isn't financially, you know, they're not going to make a lot of money by pushing you into a direction.

466

That's especially important in finance and why we recommend so many people check out the financial planners at SoFi who are fiduciaries.

467

Exactly.

468

That's everything.

469

And I think you said the word, the key word, fiduciary is, you know, I really think that that's so important.

470

I think that it's not something that's really openly known.

471

And I think that, you know, yeah, just kind of letting that be open and, you know, taking the veil off of that and making sure

472

that people understand that is important because I think a lot of people get...

473

unfortunately, they learn the hard way.

474

Yeah.

475

Chrishell, you talk a lot about living below your means because

476

so much of your income was commission -based or very chunky and could be very successful or, you know, very dry at times.

477

What advice would you give to other people who work in

478

industries where they do get inconsistent pay to really bridge those gaps and make sure that they are consistently financially comfortable?

479

I think that it's one of those things that, you know making sure that you know you're not living above your means

480

and really knowing what your costs are

481

but then also you know trying to forecast i know it's hard

482

but it's one of those things where you know i feel

483

like you have to know what your leeway is you know

484

how many how many months do you have how many years you have you know

485

that kind of a thing

486

because knowledge is everything you know i feel like um the more that you're just kind of like not really sure

487

that's a you know could be disastrous very well said i

488

mean it's it's kind of funny as you're saying this i i don't have the same inconsistencies with income

489

but inside my sofa checking

490

and savings account i have different vaults set up for like different purposes

491

and i name them with how much money they should have in there

492

so as it starts getting lower i can kind of see like okay shoot i'm about to cross over

493

and i need to save more money so like even little tricks like

494

that can just make it so much easier yeah

495

and i think also you know we're in a world now where there's

496

so much technology that can be helpful as well yeah because

497

so many people beat up on technology when it comes to money

498

because yeah it does make it easier to spend money whether it be like one click purchases

499

or social media but it can also manage your finances like you're speaking my language here

500

because i did my dissertation on digital money management technology

501

but like it is just as impactful as financial literacy

502

when it comes to like spending borrowing investing behavior

503

and it's a lot easier than learning about personal finances and

504

if it's easy

505

if it's digitized you'll actually do it like the sofi app

506

i feel like you know people have such access now to this technology

507

that is so useful to help you track things like your spending

508

that you know why not take advantage of it you know

509

i wish i had this before it would have it would

510

have helped me a lot i mean not just you know keeping up with you know your own spending

511

but especially you know on home buying, your credit score is very important about which loan you'll get.

512

If you're going to be buying a home in the next six months, here's your credit score.

513

In those six months, that is the time to work on getting it up.

514

You know, okay, what are the things that are dinging it?

515

What could you fix it?

516

And I've seen people bring their credit score up in six months pretty drastically, and it's really helped us get them a better loan.

517

Yeah, it really is just kind of like the awareness of like, okay, what's my score? and then understand, okay, what is the thing I should focus on, right?

518

Like, because everyone's going to have one thing that either is helping or hurting their score.

519

And if you just focus on that one area, you can make some changes.

520

And I think that's the one mistake people make.

521

They normally don't look at their credit score until they are actually applying to get the loan.

522

And, you know, that's what I do love about, you know, this app and that it lets you know

523

and you're always in the know

524

because a lot of times there's nothing you can do now

525

if you want this house you gotta we have to put an offer today kind of thing

526

and so the things

527

that you could have helped your credit score on you kind

528

of needed to know a few months back you know

529

so these are things that these are helpful things

530

that I deal with all the time I actually love working with first -time buyers

531

and I've had a lot of friends and family

532

that I've worked with that you know they don't know what they're doing

533

and I'm trying to help them and I've had to unfortunately tell them, you know, I know you really want this house, but I'm telling you, if you clean up this credit score and you try again a little later,

534

it's going to be better.

535

Yeah.

536

And I think this all kind of ties together, right?

537

When we were chatting about communication, you have to communicate with your own finances too.

538

And it's not something that you can just set and forget and never look at again.

539

Like you should check in, especially during big life milestones, like, you know, having a long -term life partner or kids

540

or moving to a different country or anything like that

541

but it's important to just constantly be making sure

542

that you are on track to live your happily ever after absolutely

543

and i feel like you can always find money too

544

if you're being smart about it what are those subscriptions you

545

didn't you didn't remember to cancel yeah what are those you

546

know why are you paying for storage you either sell it

547

or get rid of it you know like things like

548

that i just feel like there's always you know ways to

549

if you're really paying attention to where you are spending money

550

because you want to save more or you want to be able to have a bigger cushion, what are some things you can, you know, be smarter about?

551

Definitely.

552

Chrishell, thank you so much for coming.

553

This was such a pleasure.

554

Yeah, thanks for chatting with us.

555

Thank you, guys.

556

This was so much fun.

557

Our thanks to Chrishell for giving us all the real estate tips and tricks today.

558

So much good advice.

559

If you like this episode of Richer Lives, then be sure to hit the subscribe button so you'll get a reminder to tune in next time.

560

It's going to be more amazing insight into how to live a richer life.

561

Also, drop a comment letting us know who you'd like to see us interview next.

562

You can also find SoFi on TikTok, Instagram, X, and now on Threads too.

563

And of course, on your phone right here.

564

Maybe I need to get my fiance to go to one of these financial planning meetings before we tie the knot.

565

I already got him to sign the prenup though.

566

Highly recommend.

567

Anyway, Brian, can you remind people where we go to make an appointment with a financial planner?

568

Yes.

569

SoFi members can sign up for complimentary financial planning sessions at SoFi .com slash no cost financial planning.

570

That's it for this episode.

571

See you next time.

572

Hi again.

573

It's me, Brian Walsh, aka Dr. Money, here to talk about some legal stuff.

574

Though I am a certified financial planner certificate, your finances are unique.

575

That means anything I talked about today shouldn't be considered advice.

576

Think about it more as high level education or guidance.

577

Also, please subscribe to our channel.

578

You got to watch a different channel.

579

Go, go, go get it.

580

Well, anyways, we won't say it.

581

Maybe I need to get my fine...

582

So it's really about...

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คำศัพท์และข้อสังเกตด้านการพูดสำหรับบทเรียนนี้

วิดีโอนี้มี 582 ประโยค และ 7282 คำ สำหรับฝึกพูดตาม ช่วงที่มีเสียงพูดยาว 35:47 ผู้พูดพูดเร็ว ประมาณ 203 คำต่อนาที จึงมีการเชื่อมเสียงและลดเสียงค่อนข้างมาก 87% ของคำอยู่ใน 3,000 คำที่ใช้บ่อยที่สุดในภาษาอังกฤษ คำศัพท์จึงตามได้ง่าย

คำศัพท์สำคัญในวิดีโอนี้

คำที่ควรเรียนรู้ 15 คำจากวิดีโอ พร้อมคำอ่านและความหมาย:

คำศัพท์	คำอ่าน	ความหมาย
invest คำกริยา	/ɪnˈvɛst/	ลงทุน, ลงทุนลงแรง
panic คำนาม	/ˈpænɪk/	ความตื่นกลัว
silly คำคุณศัพท์	/ˈsɪl.i/	โง่
toxic คำคุณศัพท์	/ˈtɒk.sɪk/	เป็นพิษ
buyer คำนาม	/ˈbaɪ.əɹ/	ผู้ซื้อ
slide คำนาม	/ˈslaɪ̯d/	กระดานลื่น
mattress คำนาม	/ˈmætɹɪs/	ฟูก, เบาะ
mortgage คำนาม	/ˈmoɹ.ɡɪd͡ʒ/	จำนอง
remind คำกริยา	/ɹəˈmaɪnd/	เตือน
scary คำคุณศัพท์	/ˈskɛə.ɹi/	น่ากลัว
tune คำนาม	/tjuːn/	ทำนอง
deposit คำนาม	/dɪˈpɑ.zɪt/	เงินฝาก
wrap คำกริยา	/ɹæp/	ห่อ
drum คำนาม	/ˈdɹʌm/	กลอง
luggage คำนาม	/ˈlʌɡ.ɪdʒ/	สัมภาระ, กระเป๋าเดินทาง

กริยาวลีที่คุณจะได้ยิน

คำศัพท์	ความหมาย
go back คำกริยา	กลับไป
beat up คำกริยา	ทุบตี, ทำร้าย
give back คำกริยา	คืน
go out คำกริยา	ออก, ออกไป

ไวยากรณ์ในวิดีโอนี้

โครงสร้างที่ผู้พูดใช้บ่อยที่สุด พร้อมคำพูดจริงจากวิดีโอ:

โครงสร้าง	ในวิดีโอ
ประโยคเงื่อนไข if + อนุประโยค, will/would + กริยา — เงื่อนไขและผลลัพธ์	if it's digitized you'll actually
“used to” used to + กริยา — นิสัยหรือสภาพในอดีตที่ตอนนี้ไม่เป็นแล้ว	used to be · used to do
Present perfect have/has + กริยาช่อง 3 — เหตุการณ์ในอดีตที่ยังเกี่ยวข้องกับปัจจุบัน	Who've been · has been · has been compensated
Passive voice be + กริยาช่อง 3 — เน้นสิ่งที่เกิดขึ้น ไม่ใช่ผู้กระทำ	has been compensated · were approved · been raised

การออกเสียงที่ควรระวัง

ผู้พูดใช้รูปย่อและรูปลดเสียง 201 ครั้ง เช่น you're, I'm, don't ให้พูดแบบสั้นตามที่ได้ยิน

เสียง “sh” และ “zh”: luxury /ˈlʌk.ʃə.ɹi/, cushion /ˈkʊʃən/, essentially /ɪˈsɛnʃəli/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, garage /ɡəˈɹɑʒ/
คำยาว — ลงเสียงหนักให้ถูกพยางค์: inconsistent /ˌɪnkənˈsɪstənt/, naturally /ˈnæt͡ʃ.(ə.)ɹə.li/, essentially /ɪˈsɛnʃəli/, participate /pɑːˈtɪs.ɪ.peɪt/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/

วิธีฝึกกับวิดีโอนี้

ฟังวิดีโอให้จบหนึ่งรอบโดยยังไม่ต้องพูด แล้วจดคำที่ยังไม่รู้จัก
เริ่มที่ความเร็ว 0.75× พูดตามทีละประโยค แล้วกลับไปใช้ความเร็วปกติเมื่อเริ่มคล่อง
อัดเสียงตัวเองแล้วเทียบกับต้นฉบับ โดยสังเกตคำอย่าง invest, panic, silly 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: What Chrishell Stause Has Learned From Million Dollar Deals | Richer Lives | Episode Four

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คำศัพท์สำคัญในวิดีโอนี้

กริยาวลีที่คุณจะได้ยิน

ไวยากรณ์ในวิดีโอนี้

การออกเสียงที่ควรระวัง

วิธีฝึกกับวิดีโอนี้

เทคนิค Shadowing คืออะไร?