Luyện nói tiếng Anh bằng Shadowing qua video: 6 Unsexy Habits That Made Me A Millionaire

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So, a lot of people think money needs to look something like this. Or this.

But actually, what if it looks more like this?

If there's one thing I learned going from $100 ,000 debt to millionaire,

it's that the boring little habits that aren't even that hard to do are what make the biggest difference for your finances.

starting with habit number one i invest before i flex see this this is the passive income from my investments

that paid for my louis vuitton bag now this lv bag is my one designer bag

and i didn't buy this with my paycheck my investments bought it for me

so a long time ago i learned that you can either work for money

and use that money to then go buy nice things or you can work for money, then invest that money so that that money is working for you.

And then with that money, you can go buy nice things.

This is what Robert Kiyosaki talks about in his book, Rich Dad, Poor Dad.

Like if I make $10 ,000, I can either spend that on a nice trip, cars, clothes.

So money goes in, money goes out.

This is actually what most people do.

Or you can be smart and you can take that $10 ,000 and buy assets with it.

It's the difference between money coming in and then straight back out

or money going into permanent wealth into your asset column

which then generates income and from that you can spend on things that you want.

For example you could buy $10 ,000 worth of VTI.

It's one of my favorite stock funds.

This gives you exposure to all of the major US companies.

Now I know

that quietly transferring money into your investment account isn't anywhere near as sexy as posting about a new handbag

or a European vacation on Instagram but every dollar

that you Invest is like an employee

that you put to work is working for you 24 -7 to make you even more money

and provide you with handbags and European vacations for a lifetime.

Ever since I started thinking about money this way, it completely blew my mind and it completely changed how I think about my buying decisions.

Now, don't get me wrong.

I still splurge here and there.

I like my bougie things.

But if you were to come over my house, you'd see an old but cozy home with affordable rent.

You'd see a Toyota Corolla because it's super reliable.

Some tasteful secondhand West Elm furniture that I got from Facebook Marketplace and truly nothing that screams wealth.

It's not sexy, but it works.

I watch out for lifestyle inflation.

So there's this concept from the book Your Money

or Your Life by Vicki Robin that completely changed how I think about money.

It's called the crossover point.

Now the crossover point is where the passive income from your investments crosses your expenses.

In other words, when your investments generate more than you spend, you are financially free.

That's it.

That is the game.

Because once you reach that point, you never have to work another day in your life unless you want to.

Problem is most people never reach this point.

Why?

Because of lifestyle inflation.

Lifestyle inflation is when you get a raise, you get a nicer apartment.

You get a bonus, you get a car.

Every time your lifestyle inflates, that crossover point gets pushed farther and farther away.

Let's say you live on $3 ,000 a month.

To be financially free, you would need your investments to generate $3 ,000 a month.

And using the 4 % rule, which is the common rule of thumb used in financial planning, that means you would need $900 ,000 invested to reach your crossover point.

Now, let's say you got used to more of a $5 ,000 a month lifestyle because you moved to a nicer apartment, you started going out to eat more,

etc, etc. So instead of now needing $900 ,000 to become financially free, you need one and a half million dollars.

You see how lifestyle inflation keeps moving the goalposts, so you never really get there.

And most people stay on this hamster wheel their entire lives.

Now there are elements of lifestyle inflation that I love.

I love that I'm able to afford going out to eat more, a lot more than we were able to as a kid when I was growing up.

We really didn't have that much money.

Or maybe you move from a really dangerous, shady part of town to a safer, nicer neighborhood.

There's elements of lifestyle inflation that are necessary and good, but I'm talking about the kind of unintentional lifestyle inflation

that just creeps up on you and keeps moving that goalpost further and further out.

So before I let anything become a habitual expense, I always ask myself two things.

What feeling am I really seeking by spending this money?

And then two, can I get this feeling by not spending that money?

Or is it really worth spending that money?

And often the answer is I can get that same feeling by not spending money or in a much cheaper way.

Like I used to get my nails done for at least $150 a month.

So when I thought about my crossover point and the fact

that I would need $45 ,000 more invested to sustain that habit, I decided to reassess.

I realized that what I'm really seeking when I go get my nails done is the ability to express myself, let out my artistic creative side a little bit with different colors patterns,

designs, and instead of spending to get that done, I could have some fun with it and do it on my own at home.

So I got my UV lamp and all these little supplies and it's actually really fun and it cost me almost nothing.

So I'm getting the same feeling.

I'm still romanticizing that ritual.

I still have really nice looking nails and I'm going to reach my crossover point faster.

That's how you get rich and stay rich.

Now this one might sound a little unhinged, but I eat the same thing every day.

I have the same oatmeal every morning for breakfast and for lunch I eat the same formula of a grain, a protein, and some vegetables, and a sauce.

But I basically perfected my breakfast and lunches to hit all of my macros, protein, carbs, and fat to stay healthy

and then dinner is where I mix it up a little more and make it more exciting.

But other than that you are going to see me eating the same thing every day.

This saves me a ton of money on my grocery bill

But the bigger thing is

that it frees up a lot of mental bandwidth to let me go

and make even more money This speaks to the greater idea of having systems for everything.

I have a system for getting dressed every day I use the same outfit formula of comfortable pants

and tank or t -shirt if i'm staying at home Or

if i'm going out I have an outfit lookbook

that i've printed out and all I have to do is choose something and put

that on I don't have to think I have a system

for working out I've got this whole tracker in my notes app

so that I know exactly what I need to do

when I wake up

that morning Basically a system is a setup where you automate

a part of your life It's where you make certain decisions ahead of time so that

when it's time to actually do the thing You can just

get to doing the thing instead of having to first decide what the thing is going to be

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and then do the thing

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Because decision fatigue is a real thing We wake up with a limited amount of energy

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and a lot of the energy we expend making little decisions here

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and there Back when I was trying to start my business while working full -time, I started creating systems for everything in my life.

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And there is no chance I could have gotten my business off the ground

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if I was worrying about low -value stuff like what to eat, what to wear every single day.

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And that is why systems are a game -changer.

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Systems free up mental bandwidth so you can go focus on the things in life that are important to you.

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As someone who talks and thinks about money all day long, I also know that one of the biggest things

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that will free up your mental bandwidth is when you have your money handled.

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So I'm a big fan of systematizing that part of your life too.

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Investing, saving, et cetera.

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Which is why I'm very excited to tell you about Fruitful, the sponsor of today's video.

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Fruitful is an all -in -one money automation system that basically runs your finances for you.

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You get one -on -one guidance from a certified financial planner professional who helps you set up your entire money system.

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How much to save, where to invest, all of it.

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And then it just runs on autopilot.

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It's like having systems for your meals, for your outfits, but it's for your finances.

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They also have a fruitful cash account that pays a 4 % interest rate, which is probably way better than what your bank is giving you.

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What I love about it is that you don't have to think too much about your money.

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It just works in the background to make sure

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that you'll have money for all the things you want to do in your life, whether that's investing for the future, buying a house, or paying for that next vacation.

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If you want to check them out, link is in the description.

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So systematize your money, your outfits, your meals.

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You probably think I'm so boring, but I promise you I'm not.

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I also do have some hobbies.

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And so the next unsexy habit that I do is that I have cheap hobbies.

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Now, if you ask most people what they do for fun, the answer for most people is they scroll.

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And scrolling is expensive.

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Why?

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Because your phone has so many algorithms

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and targeted ads you don't have a chance at resisting

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because they know exactly how your psychology works they're looking at all of your data

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and they know what makes people buy i used to think i was above

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that i was above the algorithm and so i would scroll timu

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and things would get me i would buy a lot of

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that i ended up not even wanting when it arrived on my doorstep that's

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when i realized i was seeking dopamine and there was something about scrolling

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and buying stuff that was giving me little hits of dopamine

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that wasn't doing any favors for my bank account and really not even for my happiness.

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And so now I have different ways to get my dopamine, which is through these different hobbies.

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I recently started making sourdough bread.

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It's really fun and delicious.

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It only costs $15 a month in flour from Costco.

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And it even has the added benefit of giving me an excuse to go visit my friends to gift them extra loaves.

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I also recently took up reading again.

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Also cost nothing, a book or two on Amazon, 10 to 20 bucks a month.

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And my latest hobby, which is fire dancing.

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I'm not the best at it, but pretty cheap.

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Fuel is like $10 for a can.

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And so, okay, fine.

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Maybe I do have a little bit of hobby ADHD.

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I admit that.

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But at least my hobbies keep me so stimulated and busy, it reduces my urge to be on this.

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This thing.

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Because this thing, this device is not designed to make you rich.

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It is designed to steal...

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your time and attention and your money.

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No rewards card.

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I mostly use my debit card.

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I've cycled through a lot of different rewards credit cards.

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I've gotten free flights, hotels, all the good stuff.

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I do love a good rewards credit card.

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But the thing is, I also realized

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that I would spend a lot more than I otherwise would

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because it was on credit and because I could justify it with the rewards.

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And so I actually did the math.

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I did some digging.

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And research shows that credit users spend 12 to 18 % more on average.

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And there's other studies that show people are sometimes even willing to pay up to 100 % more if it's on credit.

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And so rewards cards usually give you around 1 to 3 % of your spending back in rewards.

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But if you're spending 12 to 18 % more and in some cases paying double, then you're actually not getting ahead.

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It feels like you're getting free stuff, but you're spending a lot more to get that free stuff.

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So in fact, you would have been better off not trying to get those rewards in the first place.

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And look, I am going to miss the lounge access.

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There's a certain cool kids factor that comes with saying that you get lounge access.

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But honestly, the last few times I visited a lounge, I had to wait in line.

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So that wasn't necessarily fun.

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And it also never really made sense to me.

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Like we're trying to get on the plane and get to our destination as fast as possible, right?

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So I'm not going to go to the airport early to go to a lounge.

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I'm going to get there right before my flight.

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So honestly, I've been pretty cool with not having lounge access, especially because I don't travel very much Getting rid of my $800 annual fee credit card

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and just going to a simple cheap rewards credit card for all of my monthly subscriptions

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and then doing all the rest of my spending on debit instead

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Because with all the money I saved doing

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that I'm going to pay for my business class flight in cash

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and not have to wait in line at the lounge Going

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back to debit for most discretionary purchases has helped me a lot

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Because I definitely started getting pulled into the trap of swiping a little too much on plastic, a little too many Amazon purchases,

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because when you can separate the pain of parting with your cash versus the instant gratification of buying the thing, that's dangerous.

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Now if I don't have the cash, I don't buy it.

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And that's actually been really healing and liberating for my relationship with money.

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And now this habit is definitely the most unsexy one, but arguably the most important, which is that I invest like a grandma.

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People come up to me a lot and they say, oh, given the recession that's coming, the world war that's happening,

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rates, rising inflation and the AI bubble, how are you investing?

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And my answer to them is always the same.

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I am investing the same way I was investing 10 years ago when I started investing.

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Nothing's changed.

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And that's because I invest like a grandma.

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There's this huge misconception that investing has to be really sexy, fancy, complicated, like day trading,

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futures and options, NFTs, finding the next NVIDIA or Palantir.

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But this kind of risky, sexy investing is how a lot of people end up losing their life savings.

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Good investing is not sexy.

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In fact, the more boring your investing feels, the better you'll do.

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Over 90 % of actively managed funds failed to beat the S &P 500, Which means people who do this for a living,

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active fund managers, weren't able to beat just sticking your money in the overall economy via an S &P 500 fund.

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In fact, legend has it that Warren Buffett, best investor of all time,

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he bet a million dollars that hedge fund managers could not beat a boring old S &P 500 index fund.

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And guess who won the bet?

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The boring S &P 500 index fund returned over 128%,

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whereas hedge fund managers, fancy Wall Street people who do this for a living, they made 36%.

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So yeah, boring works.

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Also, even though I don't always talk about it, I'm not always talking about what I'm investing in, I am always investing.

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Every month, rain or shine, I do something called dollar cost averaging.

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This is where you invest the same amount every single month, regardless of where the market is, because you're not trying to time the market.

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If you keep your money invested for long enough, time and compounding is going to do all the work for you and grow your money exponentially.

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It's not about timing the market.

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It's about time in the market.

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So by now, you know

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that my life is pretty boring My money is even more

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boring a lot of unsexy habits Maybe my hair color is

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the most exciting thing about me Nobody's gonna make a movie about my Toyota Corolla or my sourdough bread, but you know what is sexy?

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being a millionaire Being financially free and being able to say yes to things

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and no to things because you don't have to do anything because of money I would say that's pretty sexy.

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That's it for this video.

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Thank you so much for watching and I'll see you in the next one.

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Bye!

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Từ vựng và ghi chú luyện nói cho bài học này

Video này có 227 câu và 2900 từ để luyện shadowing. Phần lời nói dài 14:33. Người nói nói nhanh, khoảng 199 từ mỗi phút, nên sẽ có nhiều chỗ nối âm và nuốt âm. 82% số từ nằm trong 3.000 từ tiếng Anh thông dụng nhất; phần còn lại nên xem trước khi luyện.

Từ vựng quan trọng trong video

15 từ đáng học trong video, kèm phiên âm và nghĩa:

Từ	Phiên âm	Nghĩa
reward danh từ	/ɹɪˈwɔɹd/	tặng thưởng, thưởng
inflation danh từ	/ɪnˈfleɪ.ʃən/	(sự) tăng giá, lạm phát
bore động từ	/boɹ/	khoan, đục
sexy tính từ	/ˈsɛksi/	quyến rũ, cuốn hút
habit danh từ	/ˈhæb.ɪt/	thói quen
hobby danh từ	/ˈhɑ.bi/	sở thích riêng, sở thích
financially trạng từ		về mặt tài chính
scroll danh từ	/skɹoʊl/	cuộn, cuốn
vacation danh từ	/veɪˈkeɪ.ʃən/	kì nghỉ
generate động từ	/ˈd͡ʒɛn.ə.ɹeɪt/	sinh ra, gây ra
nail danh từ	/neɪl/	móng, móng tay
debit danh từ	/ˈdɛb.ɪt/	ghi nợ
meal danh từ	/ˈmiːl/	bữa, bữa cơm
formula danh từ	/ˈfɔː.mjʊ.lə/	công thức
passive tính từ	/ˈpæs.ɪv/	thụ động

Cụm động từ bạn sẽ nghe

Từ	Phiên âm	Nghĩa
go out động từ		ra, chết
wake up động từ	/ˌweɪk ˈʌp/	thức dậy, dậy lên

Ngữ pháp trong video

Những cấu trúc người nói dùng nhiều nhất, kèm đúng cụm từ trong video:

Cấu trúc	Trong video
“Used to” used to + động từ — thói quen hoặc tình trạng trong quá khứ nay không còn	used to get · used to think
Mệnh đề quan hệ who / which + mệnh đề — thêm thông tin về người hoặc vật	rule, which is · someone who talks · rate, which is
Thì hiện tại hoàn thành have/has + quá khứ phân từ — việc đã xảy ra nhưng còn liên quan đến hiện tại	i've printed · I've cycled · I've gotten
Câu bị động be + quá khứ phân từ — nhấn vào việc xảy ra, không phải người làm	is not designed · is designed

Phát âm cần chú ý

Người nói dùng 52 dạng rút gọn, ví dụ I'm, don't, I've. Hãy nói theo dạng ngắn đúng như bạn nghe.

Âm “th”: bandwidth /ˈbændwɪdθ/, algorithm /ˈælɡəɹɪðm̩/, mathematics /mæθ(.ə)ˈmæt.ɪks/, thumb /ˈθʌm/
Âm “sh” và “zh”: inflation /ɪnˈfleɪ.ʃən/, vacation /veɪˈkeɪ.ʃən/, exposure /ɪkˈspəʊ.ʒə(ɹ)/, delicious /dɪˈlɪ.ʃəs/, destination /dɛstɪˈneɪʃən/
Từ dài — đặt trọng âm cho đúng: millionaire /ˌmɪl.i.əˈnɛə(ɹ)/, necessarily /ˌnɛs.əˈsɛɹ.ə.li/, complicated /ˈkɑm.plɪˌkeɪ.tɪd/, psychology /saɪˈkɑ.lə.d͡ʒi/, destination /dɛstɪˈneɪʃən/

Cách luyện với video này

Nghe hết video một lần, chưa cần nói, và ghi lại những từ bạn chưa biết.
Bắt đầu ở tốc độ 0,75×, nói đuổi từng câu, rồi quay lại tốc độ bình thường khi đã quen.
Ghi âm giọng mình rồi so với bản gốc, chú ý các từ như reward, inflation, bore.

Phương Pháp Shadowing Là Gì?

Shadowing là kỹ thuật học ngôn ngữ có cơ sở khoa học, ban đầu được phát triển cho chương trình đào tạo phiên dịch viên chuyên nghiệp và được phổ biến rộng rãi bởi nhà đa ngôn ngữ học Dr. Alexander Arguelles. Nguyên lý cốt lõi đơn giản nhưng cực kỳ hiệu quả: bạn nghe tiếng Anh của người bản xứ và lặp lại to ngay lập tức — như một "cái bóng" (shadow) đuổi theo người nói với độ trễ chỉ 1–2 giây. Khác với luyện ngữ pháp hay học từ vựng bị động, Shadowing buộc não bộ và cơ miệng phải đồng thời xử lý và tái tạo ngôn ngữ thực tế. Các nghiên cứu khoa học xác nhận phương pháp này cải thiện đáng kể phát âm, ngữ điệu, nhịp điệu, nối âm, kỹ năng nghe và độ lưu loát khi nói — đặc biệt hiệu quả cho người luyện IELTS Speaking và muốn giao tiếp tiếng Anh tự nhiên như người bản ngữ.

Phương pháp shadowing: đọc hướng dẫn từng bước đầy đủ →

Luyện nói tiếng Anh bằng Shadowing qua video: 6 Unsexy Habits That Made Me A Millionaire

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