Shadowing Practice: Why Anyone Under 45 Needs To Rethink Retirement - Learn English Speaking with Video
Bir pratik modu seçin
Her mod tam ekran bir pratik odası açar.
429 cümleler
Cümleler çok kısa veya çok uzun ise, ayarlamak için Düzenle'ye tıklayın.
1
An asset is something that puts money in your pocket.
2
A liability is something that takes money out of your pocket.
3
Wealthy people want to own assets.
4
I was buying a whole lot of liabilities
5
because I was working in this party promotion business and I wanted to look the part.
6
So I would make a little bit of money, buy a nice watch, make a little bit more money, put some new rims on my car,
7
put a new sound system in my car, put a new subwoofer in my car.
8
I mean, I was blowing money on all these dumb things to look like I was rich.
9
when in reality, I was just making a lot of other people rich.
10
And then I learned about this thing called investing, which really started to upset me because I thought I was doing everything right.
11
And I'm reading these books that are talking about how every wealthy person invests in real estate.
12
I have no idea what that means.
13
Nobody in my family is a real estate investor.
14
I had never heard of this concept of real estate investing before.
15
I don't know what it is, but if wealthy people are real estate investors and I want to become wealthy,
16
maybe I should invest in real estate.
17
So when I was 19, I'm now studying to get into medical school because I still think that I'm going to become a doctor.
18
And I was bored out of my mind because I would spend all day, 10 to 12 hours a day in the library studying.
19
and this was around 2011.
20
And the reason why I say the year is because if you remember, 2008 was the great financial crisis.
21
That was when we had the real estate collapse in America.
22
So real estate prices were decimated and they didn't hit rock bottom until 2012.
23
That's why I'm saying this.
24
So 2011, I'm studying to take the medical college admission test, the MCAT.
25
and I'm reading these books talking about how wealthy people invest in real estate.
26
And now I'm making a little bit of money from this party business
27
and have a little bit of cash in the bank.
28
So during my breaks, when I'm studying for the test, I started looking on the internet websites of finance.
29
And they all talk about how real estate prices have hit rock bottom, how real estate is being decimated in America.
30
And so I was like, well, maybe I start looking to buy real estate and so on august 22nd i took the medical college admission test
31
and then on august 23rd i purchased my first real estate investment property
32
it was a small condo that i purchased out of foreclosure a few years prior it had sold
33
for a little bit over 150 000 and then like many properties it went through foreclosure the banks couldn't sell it.
34
And it was listed on sale for $8 ,400.
35
That was the total price of the condo.
36
So I came in with an offer of $4 ,000 because I don't know how this real estate investing stuff works.
37
And we would bank it forth with the bank.
38
The bank said, we'll sell it to you for $7 ,000.
39
I tried to negotiate them even lower.
40
And then the bank said that they had another offer on the table.
41
So now it's a bidding war and I had to pay, offer my highest invest price.
42
So I said, I'm willing to offer $8 ,000 to buy the condo, no more.
43
And they accepted my bid.
44
So I purchased this condo for $8 ,000.
45
I put in a few thousand dollars worth of work.
46
And then I rented it out for $600 a month.
47
And now I start to question things.
48
Why did nobody tell me about this? this condo is putting
49
money into my pocket without me having to do something because I own this asset.
50
We're all taught to trade our time for dollars.
51
We're all taught to work, to get paid, because that's what we're taught to do.
52
But wealthy people are not working for a bigger salary.
53
They're working for more assets because that can continue to pay you even when you're not working.
54
And that's that shift when I saw that, that really sparked a fire under me and really made me angry.
55
And I don't know why I got so angry, but I got angry because I felt like I was checking all the boxes.
56
I was doing good in school.
57
I bust my butt in school.
58
I was going to do all the right things, become a doctor and do everything that I was told.
59
But what I didn't realize is those boxes weren't my boxes.
60
Who created these boxes?
61
And why is there this whole world of financial education that we're never taught?
62
Because if this is how wealthy people build and grow their wealth, why is everybody else not taught this?
63
So I want to make a distinction here.
64
Are you saying that in order to build wealth, people should buy a house?
65
No. If you want to build wealth, you have to buy assets.
66
When people say buy a house, What does that mean to most people's eyes?
67
It means bye.
68
my home yeah i want to buy this nice place for me to live
69
which is what most people do
70
when they get a bit of money they take their salary from work
71
and then they go and buy a house to live in
72
and then they pay into the mortgage which means
73
that they are now building an asset right they're building what many people call generational wealth
74
which is one of the biggest lies when it comes to money.
75
The reason why is because your house is actually a money pit.
76
The way you build wealth in the stock market is not by chasing hot stocks.
77
It's through what I call ABB, Always Be Buying.
78
And I just wrote a brand new book called ABB, Always Be Buying, How You Can Build Wealth in Any Market,
79
where I break down the exact strategy of how you can build wealth in the stock market
80
and turn your extra money into income or more wealth.
81
That way you cannot use the stock market to build wealth.
82
And because you're watching my video, I'm going to give you a digital copy of my book completely free.
83
I have that link for you if you want to download it down in the description below.
84
And when you sign up for the book, you're also going to get access to Market Briefs, which is my newsletter for investors completely free,
85
where my team is breaking down what's happening in things like the economy, housing, stocks, crypto, and global markets.
86
It's read by hundreds of thousands of investors every single morning.
87
So if you want to get my ebook and Marketplace all for free,
88
all you have to do is sign up and I have that link for you down in the description below.
89
And that's why I want you to think of your house as a liability.
90
But I want you to hear me clearly.
91
I'm not saying you shouldn't buy a house.
92
I'm not saying it's bad to buy a house.
93
You have to treat your house like a liability.
94
This suit that I'm wearing is a liability.
95
This watch is a liability.
96
My shoes are liabilities.
97
Should I not buy them?
98
No. I got to make sure I can afford them.
99
So when people think about buying a house, what do they think of?
100
They think, I'm going to build generational wealth.
101
I'm going to build wealth.
102
I'm going to pay it off.
103
And I'm going to be able to have more freedom in my life because I can own this house.
104
Let's go with the best case scenario.
105
You buy a home for, let's call it $300 ,000.
106
You pay it off.
107
And throughout your lifetime, this $300 ,000 home grows in value to a million dollars.
108
And now you're going to say, Jaspreet, I showed you this is an asset.
109
My house tripled in value, more than tripled in value.
110
And now I'm going to pass it down to my kids.
111
So now, yeah, your kid's got a million dollar house, but unless they have the income to support paying for a million dollar house,
112
they might have to find some more cash.
113
Now what do they do?
114
Because you can't just pull cash out of this house, right?
115
I mean, it's not an ATM, unless you go to the bank.
116
The bank will oh, you have a million dollar house.
117
How about we loan you $800 ,000?
118
But that's not an ATM because you have to pay that money back plus interest.
119
And now unless your kids have the income to pay for the property tax, to pay for the insurance, to pay for the upgrades,
120
to pay for the maintenance and the mortgage, they can't afford that house.
121
So maybe now they have to sell.
122
Okay, now you sell it.
123
You got a million dollars.
124
Great.
125
We're not even going to talk about taxes right now, but you got a million dollars.
126
You're rich.
127
But if they don't have any financial education and you have a million dollars, what's going to happen?
128
Well, let's think about this.
129
If you had a million dollars, what would you do with it?
130
If I went down the street and I asked the average person, if I wrote you a check for a million dollars today,
131
what would you do?
132
What are people going to say?
133
I'm going to go to the Bahamas.
134
I'm going to buy myself a nice house.
135
I'm going to buy myself a nice car, buy myself some nice clothes, go to the Gucci store,
136
go to the Louis Vuitton store and buy myself the extra guac at Chipotle.
137
That's what the average person will do.
138
Now, maybe you're a little bit more financially smart.
139
You say, I'm just going to live off of $50 ,000 a year.
140
But after 20 years, you have nothing left.
141
Not to mention the fact that 10 years from now,
142
that $50 ,000 a year lifestyle is going to buy you half of what it can today.
143
So now let's go back to that situation.
144
You thought you built generational wealth.
145
You did a good thing about paying off the mortgage because you don't have to pay the mortgage payment.
146
But is that really the type of generational wealth that you want?
147
And now to fully hammer this home, I'm not saying it's bad to own a house.
148
It's actually very great.
149
It's an amazing thing to own a house free and clear because now you can rest assured, you don't have to worry about the mortgage payments.
150
If you have the financial education, that's great.
151
But let's talk about now the real way to do this and build true wealth.
152
When I buy my real estate investment properties and my property values go up, the rental values also go up.
153
The rent is what pays for the maintenance.
154
The rent is what pays for the upgrades.
155
The rent is what's paying for the property taxes and the insurance.
156
The rent is putting money in my pocket.
157
And this is cashflow that I can use.
158
I can use this cashflow to buy a vacation.
159
I can use this cashflow to buy food.
160
I can use this cashflow to pay for my lifestyle.
161
But your house.
162
It doesn't do that.
163
You have to pay to live in your house.
164
But people think, you know, they're getting their mortgage payments, they're spending whatever they are, you know, spending on their mortgage payments.
165
They think they're, well, we're kind of told that that mortgage payment is an investment into an asset.
166
Your mortgage payment is a payment to your bank.
167
Banks are not stupid.
168
In fact, they're very smart.
169
Banks do something called front -loading your mortgage.
170
What that means is if you go out and get a 30 -year mortgage, which is what many people do in America,
171
and you pay $3 ,000 a month on your mortgage, you're not paying $1 ,500 to your interest,
172
your bank, and $1 ,500 to your principal, your equity.
173
The way it works is banks front load your mortgage, which means for the first almost 15 years,
174
it's about 14 years and eight months or so, But for almost 15 years of your mortgage,
175
the first 15 years, the majority of your mortgage payment is going directly into your banker's pocket in the form of interest.
176
Which means if you're paying $3 ,000 a month on your mortgage, for the first part of your mortgage,
177
maybe $100 is going out of the $3 ,000 into your equity.
178
The other $2 ,900 is going right into your banker's pocket with interest.
179
And now, yeah, after 15 years, now half of your mortgage payment is going to your equity and half is going to interest.
180
But if you refinance before that 15 year mark, that starts over.
181
And so this is where banks understand the game.
182
Again, I'm not against buying a house, but you got to understand the game of money.
183
And most people don't understand that.
184
And so the mistake that people make is they buy a house they can't afford.
185
And now they're paying all this money into their mortgage, thinking that I'm building wealth.
186
They no longer have money to save.
187
They no longer have money to invest into other real assets.
188
And their money is just going to pay down their mortgage, thinking that this is going to build my wealth.
189
But you've been sold a lie.
190
This term opportunity cost.
191
Most people don't know what this term opportunity cost means, but it appears to be very pertinent to what you're saying especially
192
when you just said this is money that you can't then invest in assets.
193
Can you explain what opportunity cost is and how it's impacted if you buy a house?
194
Sure.
195
If you have, let's make the numbers very simple.
196
You want to buy a $100 ,000 home and let's say the banks require a 20 % down payment, $20 ,000.
197
You could do a few things.
198
Number one, you can take that $20 ,000 and go out and buy this house.
199
And now that's how that money has been used.
200
But if you use that money to buy the house, you lose the opportunity to take that $20 ,000 and say,
201
use it to buy a rental property.
202
You lose the opportunity to use that $20 ,000 to invest in the stock market.
203
You lose the opportunity to take that $20 ,000 and maybe build a business.
204
Now the question is, what is going to give you the best and most growth?
205
Now, hopefully this house that you buy will go up in value.
206
It's not guaranteed.
207
We know the houses don't always go up in value, no matter what your banker says, no matter what your real estate agent says,
208
because we saw what happened after the 2008 crash where real estate prices were slashed in half.
209
It was as much as 93 % real estate values dropping in the state of Michigan, where I am.
210
So we know real estate prices don't always go up.
211
Stock prices don't always go up.
212
Businesses don't always work.
213
everything has a risk but now the question is
214
which risk do you want to take and
215
which risk do you want to take first are you in a situation now where you're ready to go out
216
and buy a house or do you want to build your wealth first a little bit more
217
and that's the question
218
that i want people to start thinking is am i ready to buy a house
219
and then people say well if i go out
220
and invest my money the problem is housing prices keep going up i'm chasing this housing market it
221
It keeps getting more and more and more expensive.
222
And you're 100 % right.
223
It's a risk.
224
But there's also a risk the housing prices could fall.
225
I think one of the biases that makes people want to buy a house is that they're currently renting,
226
and they see that as just giving money away.
227
So they think, listen, I could spend this money on a mortgage, and I'll own this thing one day.
228
Or I could spend this same $2 ,000, whatever it is, on rent, and I'm never going to own this thing.
229
Well, I'm here in Los Angeles right now.
230
I had to stay in a hotel.
231
That hotel payment is paying somebody's mortgage.
232
It's paying somebody's college tuition.
233
It's paying for somebody's stuff.
234
When I go to a restaurant and I eat out, I'm paying for somebody's mortgage.
235
I'm paying for somebody's college tuition.
236
I'm paying for somebody's bills.
237
Because when you go out and you rent, that's what everybody says.
238
I am making my landlord rich.
239
Well, when you eat at a restaurant, you're making that restaurant owner rich.
240
When you go to a hotel, making the hotel owner rich.
241
When I go and buy a mug, I'm making the mug owner rich.
242
And the reality is, yeah, it's good for you to own a house.
243
But are you ready to own a house?
244
Can you afford to own a house?
245
And what do you want to own first?
246
I rent where I live right now.
247
I am making my landlord rich today.
248
I also rent for my offices.
249
I am making my office landlord very rich because my office rent is very expensive.
250
Do you feel bad for me?
251
I hope not.
252
And this is where we have to get over these money myths
253
that many people keep selling you that you can't build wealth if you rent where you live.
254
You can't build wealth if you don't get a good degree.
255
That's not the way that the system works.
256
See, there's the traditional rules and then there's the real financial education money rules.
257
And again, I'm not saying it's bad to own a house, but it's bad to own a house you can't afford.
258
How do you know if you can afford one?
259
Well, there's three parts to afford in a house.
260
You have to afford the down payment, you have to afford the monthly payment, and you have to afford the moving costs.
261
I'm going to go start from the simplest one, which is the moving costs, because many people don't factor this in.
262
When you buy a house, you got to move in.
263
And I'm not talking about the closing costs.
264
You might have to hire movers, which are expensive.
265
You might have to upgrade your furniture, which is expensive.
266
You might have to upgrade the house, which is expensive.
267
Factor that in.
268
Then I want to talk about your down payment.
269
People don't like when I say this, but I don't say what I say to make friends.
270
I say what I say to help people be better with money.
271
One of the things that I've learned in life is
272
that oftentimes the things you don't pay attention to end up mattering the most.
273
And that's why I want to talk to you about life insurance with our sponsor,
274
Policy Genius, because if you don't have the assets to live off of yet, and something tragically happened to you,
275
the last thing you want is now your spouse
276
and your family trying to struggle to survive financially
277
and that's where term life insurance can come into play
278
now i'm talking about term life insurance here not whole life
279
insurance the whole idea with term life insurance is it's life
280
insurance for a period of time 10 years 20 years 30 years
281
that way you can work to build your assets it is a lot cheaper than whole life insurance
282
because the whole idea is you're not here trying to get rich off your life insurance
283
it's just there as a bridge until you can build your assets.
284
This is one of those things where the earlier you start, the cheaper it is.
285
Because if you're a healthy 30 -year -old guy,
286
you could potentially get a half a million dollar term life insurance policy for less than a dollar a day.
287
So if you have any questions, you wanna learn more about term life insurance,
288
or you wanna see how much a term life insurance policy would actually cost you,
289
I'll put a link to Policy Geniuses' form down in the description.
290
It only takes a few minutes to complete, and it'll give you an actual quote on how much term life insurance will actually cost you,
291
and I have that link for you down in the description.
292
If you want to afford the house, you have to have at least a 20 % down payment.
293
That way you actually have some equity, some skin in the game, that way you can actually afford the house.
294
The third part is you have to afford the monthly payments.
295
Now, every bank is going to have a different rule for you.
296
Banks have like the 28 % rule and these other rules.
297
I have...
298
Sorry, just on that last point, why do people not like it when you say that?
299
Because it's very hard to pay a 20 % down payment.
300
Housing is expensive.
301
You want to buy a $500 ,000 house?
302
You have to have $100 ,000 as a minimum for your down payment.
303
And that's extra cash.
304
Great.
305
Now, if we talk about the monthly costs, the simple way that I like to follow it is you have to have a system for yourself.
306
You have to know how much money you are allowed to spend, how much money you need to be investing,
307
and how much money you have to be saving every single month.
308
Then just factor it in.
309
So the way I like to look at it, a simple rule of thumb is something like a 75 -15 -10 plan,
310
which says for every dollar that you earn from here on out, 75 cents is the maximum that you can spend.
311
15 cents is the minimum that you invest.
312
10 cents is the minimum that you save.
313
Now let's do the math.
314
If you know that you make, let's call it $100 ,000 a year,
315
that means the max you can spend out of the $100 ,000 is $75 ,000.
316
So if out of that $75 ,000, you can afford your mortgage costs, you can afford your food, you can afford your vacations and lifestyle,
317
then sure you can afford it.
318
But if you can't afford that, then you can't afford that mortgage.
319
And the reason why I like to go by this rule is because some people are going to say, I can live in a small house.
320
I just want an expensive car and some nice vacations.
321
Other people are going to say, I want a beautiful home.
322
I don't care about the car and vacations.
323
So now you can factor it all in there.
324
How much can you afford out of that 75 % of what you make?
325
Do you think people even know how much money they spend?
326
No.
327
I was thinking, I wonder how many people listening right now know over the last six months the exact figure
328
that they spend every single month.
329
Most people statistically are living paycheck to paycheck.
330
So they're basically spending everything? Or more.
331
Okay.
332
78 % of Americans are living paycheck to paycheck, which means I make some money and I spend all of it or more.
333
There's a joke that I like to make, which is in the traditional Indian culture, people make a dollar to spend 20 cents.
334
In the traditional American culture, people make a dollar to spend $2 through the help of lines of credit, credit cards, and other forms of debt.
335
And the reason why, I'm going to take it a step back.
336
I don't think you wanted me to go this way.
337
I'm going to go anywhere.
338
Anyway, we live in what's called a credit -based economy, which means if you make $50 ,000 a year,
339
you don't live off of $50 ,000 a year.
340
At least most Americans don't.
341
We live in what's called a credit -based economy, which means you have the ability to spend the $50 ,000 you earned plus debt.
342
because as you make more money, as you have a good job, you become more credit worthy.
343
And so as you show the bank, hey, I made $50 ,000, they'll give you credit cards.
344
They'll give you lines of credit.
345
They'll give you whatever types of debt that they can.
346
That way now you can go out and spend $60 ,000, $70 ,000, $80 ,000 because that's what grows the economy.
347
The more money you spend, the richer somebody else gets.
348
And so now when you live in this credit -based economy with no financial education, people spend, spend, spend, the economy grows,
349
grows, grows, and most people have no idea what hit them.
350
Do you know what's really interesting is two days ago, I was having a conversation with one of my friends.
351
It was actually, I did a podcast about finance recently, and in there I mentioned some of my friends, and then they messaged me on WhatsApp,
352
and we were having a chat in our group chat.
353
And I, for the first time ever, one of them asked me to guess.
354
We're very close friends.
355
We talk about money, we talk about how much money we have, etc. They said, guess who has the most money in the group.
356
So I went through and I did, I think this is this person's net worth of my five best friends.
357
And I think this is how much cash they have.
358
Now, one of my friends who is very, what's the word?
359
I guess frugal.
360
Lives a very, very simple life.
361
As I was going through, I go, do you know what? this friend is this like high flying guy lives in this amazing apartment
362
this person has all these wonderful things this person's been successful in business this person's successful in crypto
363
but you know what I bet my mate
364
and I won't say his name I bet he's richer than everyone else in
365
that chat um all of my other friends in the chat
366
and so I did my little prediction
367
and I said I bet you've got x figure and he replied
368
and said this is my current cash position
369
he was richer than everyone in the chat in terms of cash combined this guy lives
370
so he lives in like a studio apartment he never balls
371
he doesn't have like a fancy car doesn't have fancy clothes
372
and he's richer than the entire lot of my friendship group
373
and i thought god there's something really important here in terms of
374
and it's it's so crazy if you
375
if you know the context of what i'm saying
376
because i've got a friend in
377
that chat who's built like a big business I've got a friend like everyone in that chat runs businesses is successful,
378
but they're living in different ways
379
And the one friend who runs the smallest business who like probably has the least income is the richest
380
And over the last couple of days, it's so funny I was thinking about all the dinners.
381
I bought this fucking guy.
382
I'm like, I didn't know you're a millionaire I would have been paid for everything.
383
But this is really I mean if we ignore your friends it's very easy to look fake rich.
384
Because everybody will give you a line of credit.
385
If I want a Gucci person, I can't afford the Gucci.
386
Guess what?
387
I can buy now, pay later.
388
I can open up a credit card and buy the Gucci and look like I'm rich.
389
When in reality, I'm just making Gucci rich.
390
In fact, one of the richest people in the world, in 2023, he was the richest person in the world, is Bernard Arnault.
391
He's the founder and CEO of LVM, or he's the founder and CEO of the company that owns Louis Vuitton. And why?
392
Because millions of people pay him to look rich, when in reality he's the one that's getting rich.
393
And we assume that when you make some more money, you got to start looking the part.
394
And this is that mindset shift that we have to make.
395
And, you know, a lot of people resonate who come from the Indian traditional families.
396
They message me saying, Jaspreet, I became a doctor.
397
or my wife and I are doctors, we make hundreds of thousands of dollars a year.
398
We make a great income, but we have no savings and no investments, and I don't know what to do.
399
And the reason why is we have a Range Rover and a Benz.
400
We have a nice house.
401
We go on the doctor vacations.
402
We have to look the part, but we don't have any money left over at the end of our paychecks.
403
And it's a very easy thing to get caught up in because when you make more money, you become more credit worthy.
404
Banks will give you bigger loans.
405
When you make more money, you want to spend more money.
406
And it's very easy.
407
And you have to understand how do you control that spending.
408
And that's why if you follow something like 75, 15, 10, one of the simplest things you can do to start is just always,
409
no matter what, whether you're making $10 ,000 a year or $10 million a year, you always put money aside to invest.
410
You always put money aside to save, and you spend whatever's left.
411
My friend doesn't invest.
412
The friend I'm talking about doesn't actually invest.
413
He just doesn't spend.
414
He just doesn't spend money.
415
And he's just stacked up like a million dollars in cash
416
whilst earning less than everyone else of my five friends in that chat.
417
And it didn't take a long time.
418
Like it took him four years or something, four or five years, of just running this small business with a couple of people.
419
When I say a small business, I mean a really like a small business, like a business of maybe four or five employees.
420
Money isn't what it used to be.
421
And it's about to change again.
422
For centuries, money wasn't this paper.
423
It was actually physical gold.
424
It was coins.
425
It was bars that people would carry around.
426
But carrying around physical metal wasn't very easy.
427
And that was when this paper money got created.
428
But this paper money was backed by physical gold.
429
So if you had a hundred dollars.
Uygulamayı İndir
Akıcı konuşmak için ihtiyacınız olan her şey
AI TelaffuzHer cümleyi puanla
IPA AlıştırmasıHer sesi ustalaştır
Kelime BilgisiKelime bankanızı oluşturun
Kelime OyunuOynarken öğrenin
Aynı Kanal
FOR YOU
Video Öner
B21
57 cümleler
How I Retired Early At 49 With $1.3 Million In Ohio
Daily ConversationWorking Adults
B21
211 cümleler
The Art of Becoming Dangerously Self-Educated.
Daily ConversationWorking Adults
B2167 cümleler
The Differences Between Generations — And What They Mean for a Changing America
Daily ConversationWorking Adults
B21
620 cümleler
Crypto Investing #239 - Understand The 3 Types Of People Taking Profits & Mistakes To Avoid
Daily ConversationWorking Adults
B21
235 cümleler
Renting Vs Buying a Home - The Real Math
Daily ConversationWorking Adults
B21
213 cümleler
YOU CAN'T BUY BACK A DAY (Jim Rohn Seminar)
Daily ConversationWorking Adults
B21
131 cümleler
How to Build Wealth in 5 Years (Realistic Version)
Daily ConversationWorking Adults
B22
22 cümleler
Would you dip into retirement savings to buy a home? | 9 News Australia
Daily ConversationWorking Adults
B22
192 cümleler
Laid Off After 25 Years in Tech: The Anxiety, Sacrifice, and Reality No One Talks About
Daily ConversationWorking Adults
B2121 cümleler
Leaving America Changed the Way I See Everything
Daily ConversationWorking Adults
B24
35 cümleler
My Advice to People in Their 40s and 50s
Daily ConversationWorking Adults
B22
106 cümleler
I Tried 50 Business Ideas. These 3 Made Me Rich...
Daily ConversationWorking Adults
Bu dersin kelimeleri ve konuşma notları
Bu konuşma dersi “Why Anyone Under 45 Needs To Rethink Retirement” videosuna dayanıyor. En çok tekrarlanan kelimeler: mortgage, afford, spend. Bu videoda gölgeleme çalışması için 429 cümle ve 5063 kelime var. Konuşma bölümü 26:32 sürüyor. Konuşmacı hızlı konuşuyor, dakikada yaklaşık 191 kelime; bu yüzden birbirine bağlanan ve zayıflayan sesler duyacaksınız. Kelimelerin %87’i İngilizcede en sık kullanılan 3.000 kelime arasında, bu yüzden kelime dağarcığını takip etmek kolay.
Bu videodaki önemli kelimeler
Videodan öğrenmeye değer 15 kelime, telaffuzu ve anlamıyla:
| Kelime | Telaffuz | Anlam |
|---|---|---|
| mortgage isim | /ˈmoɹ.ɡɪd͡ʒ/ | ipotek, rehin |
| asset isim | /ˈæsɛt/ | varlık |
| wealthy sıfat | /ˈwɛl.θi/ | zengin, varlıklı |
| liability isim | /laɪəˈbɪlɪti/ | borç |
| pocket isim | /ˈpɑ.kɪt/ | cep, yancık |
| vacation isim | /veɪˈkeɪ.ʃən/ | tatil |
| upgrade fiil | /əpˈɡɹeɪd/ | iyileştirmek, düzeltmek |
| investor isim | /ɪnˈvɛs.tə(ɹ)/ | yatırımcı, sermayedar |
| earn fiil | /ɝn/ | hak etmek |
| lifestyle isim | /ˈlaɪfˌstaɪl/ | yaşantı, hayat tarzı |
| founder isim | /ˈfaʊ̯n.dəː/ | kurucu |
| chase fiil | /t͡ʃeɪs/ | kovalamak, peşinden koşmak |
| salary isim | /ˈsæləɹi/ | aylık, maaş |
| fancy isim | /ˈfæn.si/ | yaratıcılık |
| ignore fiil | /ɪɡˈnɔː/ | görmezden gelmek |
Duyacağınız deyimsel fiiller
| Kelime | Anlam |
|---|---|
| go out fiil | çıkmak |
| get over fiil | üstesinden gelmek, yenmek |
| start over fiil | baştan başlamak |
Tekrar etmeye değer cümleler
Videodan, günlük konuşmada yeniden kullanabileceğiniz kısa ve tam cümleler:
- Why did nobody tell me about this?
- Should I not buy them?
- Can you afford to own a house?
- Do you feel bad for me?
- How do you know if you can afford one?
Bu videodaki dil bilgisi
Konuşmacının en çok kullandığı yapılar, videodaki sözcüklerin aynısıyla:
| Yapı | Videoda |
|---|---|
| İlgi cümlecikleri who / which + cümle — bir kişi ya da şey hakkında ek bilgi | mortgage which means · Briefs, which is · mortgage, which is |
| Edilgen yapı be + fiilin üçüncü hâli — kimin yaptığı değil, ne olduğu önemli | were decimated · being decimated · was listed |
| Present perfect have/has + fiilin üçüncü hâli — geçmişte olan ama şimdi de önemli olan bir eylem | have hit · you've been sold · has been |
Dikkat edilecek telaffuzlar
Konuşmacı I'm, don't, you're gibi kısaltılmış biçimleri 142 kez kullanıyor. Bunları duyduğunuz gibi kısa söyleyin.
- “th” sesleri: wealthy /ˈwɛl.θi/, worthy /ˈwɝ.ði/, mathematics /mæθ(.ə)ˈmæt.ɪks/, myth /mɪθ/, thumb /ˈθʌm/
- “sh” ve “zh” sesleri: vacation /veɪˈkeɪ.ʃən/, admission /ədˈmɪʃən/, tuition /tjuːˈɪʃən/, promotion /pɹəˈmoʊʃn̩/, friendship /ˈfɹɛn(d)ʃɪp/
- Uzun kelimeler — vurguyu doğru yere koyun: liability /laɪəˈbɪlɪti/, potentially /pəˈtɛnʃ(ə)li/, mathematics /mæθ(.ə)ˈmæt.ɪks/, negotiate /nəˈɡəʊ.ʃi.eɪt/, millionaire /ˌmɪl.i.əˈnɛə(ɹ)/
Türkçe konuşanların zorlandığı sesler:
- /w/ — dudaklar yuvarlak, /v/ değil: wealthy /ˈwɛl.θi/, equity /ˈɛk.wɪ.ti/, worthy /ˈwɝ.ði/, whilst /waɪlst/, subwoofer /ˈsʌbˌwʊf.ə/
- Kelime başındaki ünsüz kümesi — araya ünlü eklemeyin: triple /ˈtɹɪp.əl/, tuition /tjuːˈɪʃən/, crypto /ˈkɹɪptoʊ/, promotion /pɹəˈmoʊʃn̩/, friendship /ˈfɹɛn(d)ʃɪp/
- /æ/ — “e”den daha açık: asset /ˈæsɛt/, landlord /ˈlæn(d).lɔɹd/, salary /ˈsæləɹi/, fancy /ˈfæn.si/, guarantee /ˌɡæɹ.ənˈtiː/
Bu videoyla nasıl çalışılır
- Videonun tamamını konuşmadan bir kez dinleyin ve bilmediğiniz kelimeleri not edin.
- 0,75× hızla başlayın, cümle cümle tekrar edin ve kolaylaşınca normal hıza dönün.
- Kendinizi kaydedin ve orijinaliyle karşılaştırın; mortgage, asset, wealthy gibi kelimelere özellikle dikkat edin.
Gölgeleme Tekniği Nedir?
Gölgeleme, başlangıçta profesyonel tercüman eğitimi için geliştirilen ve çok dilli Dr. Alexander Arguelles tarafından popüler hale getirilen, bilim destekli bir dil öğrenme tekniğidir. Yöntem basit ama güçlüdür: ana dili İngilizce olan bir sesi dinler ve hemen yüksek sesle tekrar edersiniz — konuşmacıyı 1-2 saniye gecikmeyle takip eden bir gölge gibi. Pasif dinleme veya dilbilgisi alıştırmalarının aksine, gölgeleme beyninizi ve ağız kaslarınızı gerçek konuşma kalıplarını eşzamanlı olarak işlemeye ve yeniden üretmeye zorlar. Araştırmalar, telaffuz doğruluğu, tonlama, ritim, bağlı konuşma, dinleme anlama ve konuşma akıcılığını önemli ölçüde geliştirdiğini göstermektedir — bu da onu IELTS Konuşma hazırlığı ve gerçek dünya İngilizce iletişimi için en etkili yöntemlerden biri yapar.