跟讀練習: How I Spend My $250K Software Engineer Income - 通過影片學習英語口語

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all right so today we are going to talk about money.

I was inspired by Stefan Graham because he was talking about his multiple income sources

but because I'm an idiot

or a baller you know tomato tomato I feel like it's more fitting that I show you guys my reckless spending.

So as you know I got $45 ,000 in bonus with my new software engineering job.

So what I did was that I took $19 ,000 of it and put it into my 401k

So that the company dude, I'm kidding man, dude.

I'm not a loser I don't do 401ks.

Also, you didn't click this video for this.

You clicked it for my reckless spending

So I'm gonna show you so as you can see if I do my spending over time

It's pretty much a hockey stick.

I mean usually people would be pretty happy about hockey stick graph

But I mean if this is my spending so I don't think that's a great thing

so as you can see according to this my last month spending was $18 ,900

and well I mean you know but I mean we should dig deeper into it

because it's not always accurate because sometimes the program they they look at transfers

and they think that's a spending but it's actually not

or I actually spend more and it just wasn't recorded on this program

so we're going to try to export all of that into an Excel spreadsheet, and then I'll dive deep into it.

All right, before we continue this video, I just want to say that viewers discretion is advised.

I made this video for entertainment purposes.

Please do not spend all your money recklessly like me.

And you have to know that my net worth is totally fine.

It has been growing faster than ever.

So please spend responsibly do not do like me it's only for entertainment

and if you're wondering how's my net worth still growing

so fast despite me spending so much well i'm not gonna tell you is it

because i'm a trust fund baby i don't know is it because of my bitcoins i don't know enjoy the video

all right so I'm having I'm having problems with the autofocus

so I'm gonna have to put this in the background

so in case you were wondering why I have a bitmoji

this is what I use it for all right okay there we go all right

so now what we're gonna do is I'm going to rename the description just for one privacy reasons

and also two so that I actually remember what it is

because you know sometimes the names are quite cryptic it doesn't mean anything

so I'm gonna do that first

and then secondly what I'm gonna do I'm going to separate them into buckets of spendings

because I don't like the preset spendings that they use so I'm gonna bucket them into birthday gift, business expense, charity, entertainment, food,

I don't effing know, materialistic desires, medical, other, rent, self -improvement, transportation, and travel.

Before you ask me what they are, I'm going to go through them, okay?

So don't worry about it.

And the I don't effing know is just because I didn't want to sort them anymore.

There were a lot of small purchases from Amazon and I didn't, I don't have time.

I don't have time to search through all of them okay all right

so I got it I did a lot of data cleaning

because you know I'm a I'm a data scientist

so I ordered it by the amount spent

so you could see it in order of amount spent all right

so let's go to the summary now I made a pivot table and then you know a graph because

why not honestly it's not even necessary but

if you look at the breakdown the the biggest expense is this line here

which is materialistic desires which is everything that's related to shopping and stuff that I don't need.

So that is the highest spending with $4 ,000.

And then the next highest is entertainment.

That is like concerts.

What else?

It's like concerts, comedy shows, stuff like that.

And then here, it's like business expense.

This is related to like cameras, anything that I need to run my YouTube channel.

Well, I mean, I actually don't need it.

It's more

okay fine some of it can go to materialistic spending but it's related to youtube so i'll put in business expense

and then we have food which is a thousand dollars which includes you know restaurants

actually it only includes restaurants i never do groceries

so it's it's mainly restaurants and then we got rent

which is my rent i mean i don't pay 4600 i don't know

if you saw my other video

and i said i paid 4600 chill man i have roommates it was only clickbait okay i only pay 1900

and then we have self -improvement

which is the smallest bucket of my spending for self -improvement I have a personal training

and maybe audible or something like that

but yeah as you can see I don't spend a lot on

that I don't do a lot of self -improvement and then transportation

which is like uber

and what the one thousand dollars dude I might as well rent a tesla

or something fuck so here it says 22 ,000 I'm not sure

if that's true maybe like I'm going to like clean it up a little bit okay

so let's look at it deep dive style

so monthly rent $1 ,900 okay the Apple Watch Hermes 1 ,400 KCON LA tickets I bought three of them

so this shouldn't really be 1 ,300 I should divide this by three

so let's see this divide by three

so then $1 ,000 for my new bedsheets bedding duvet

and all that totally worth it because now

when I sleep naked it feels like you know

so silky hands are all over my body it feels really good

and then here is Hamilton tickets I bought a Hamilton ticket for my brother his fiance

and me and yeah it's on me

so this one I have to leave it there

because even though I bought three of them they're not paying me back all right

and then next we have ax oh this is trevor noah yeah

so for trevor noah i bought two tickets that was um yeah

that was for me and another friend and

that cost 964 i can't divide that by two

because they're not paying me back okay

and then i bought a pixel 3xl uh

it's right here why did i buy it um no idea

i think it's like it's a hedge you know in case one day android becomes better than iphone

or that one day

100

iPhones are not cool anymore

101

so at least the transition will be a lot easier for me

102

because I now I use both

103

so it's a lot easier for me to transition into Android

104

when the time comes and then the next spending three of them $640

105

that is my flight ticket to Japan

106

because I am going to Japan this year I bought them for my friends

107

but they will pay me back

108

so I will delete these two okay oh wait oh shit

109

I want to say the joke I wanted to say oh yeah

110

and the reason why I bought three tickets to Japan is

111

because I want both of the seat next to me to be empty so I bought all three of them

112

but no I'm not that rich

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and then all right $633 this is a business expense

114

it's it's it's kind of like a box

115

it's for doing live videos using my camera I use it for my tech interview pro

116

might as well plug tech interview pro now good news we added new videos about system design

117

and also about how to transition into software engineering

118

and then the reason why i bought this live video thing is

119

that we do live videos every two weeks for the facebook group

120

and then you could ask us q and a's and stuff like

121

that if you're interested click on techinterviewpro .com all right

122

and then next we got ticket master what is this it's 544 bucks what did i buy

123

i don't remember the fuck the fuck did i buy july 4th

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oh shit what the fuck

125

oh god i got it okay okay okay okay okay got it oh yeah

126

so i bought tickets for ali wong front seat okay actually

127

not front seat the the row before the front seat

128

because i don't want to get i don't want them to talk to me

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while they do their show because i always get nervous

130

so next we have wow that's a lot we have four facebook uh charges two of them is for advertising I mean,

131

you know, how do you expect my channel to grow?

132

You really think that I make good content, which is how I grow my channel?

133

Don't be so naive.

134

I pay for my subscribers.

135

And then the other two is for Mental Health America, which is a charity.

136

I'm doing a fundraiser, and I put in $500.

137

It's not $1 ,000, so this is wrong, because I kind of did it twice by accident.

138

So it's only $500.

139

I'll talk about that later.

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I don't want to...

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I don't want you guys to think I'm a good person or anything.

142

All right.

143

And then, oh, $440.

144

That is my virtual assistant.

145

I pay for a virtual assistant so that they can manage my calendar.

146

They can respond to some emails.

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They can help me do some invoicing and stuff like that.

148

Very useful.

149

Highly recommend it if you're rich.

150

And then the next one, Tomon.

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That's actually just a guitar.

152

So I bought a guitar.

153

You can see it right here.

154

Yeah.

155

let's see and then i got a lot of uh business expense here zapier wordpress venmo

156

why the fuck did i buy wordpress

157

i don't know okay some of it is pretty dumb okay

158

i guess you got the gist of it you got the bulk of my spending

159

and let's go back to the pivot table

160

and see how it looks it's not that bad it's it's it's it's still $19 ,000 okay

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crazy thing honestly I am okay with everything but what the hell transportation is so high let me look at that

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so clearly I like uber more but holy shit $1 ,000 is

163

that right dude I spent $1 ,000 in a month holy shit dude

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I might as well just pay for a Tesla

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or something oh you know what you live

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and learn all right anyways I'm gonna wrap this video in terms of money wise

167

so as you can see travel nine hundred dollars it's not

168

that bad actually transportation one thousand dollars I could do better in

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that self -improvement I shouldn't worry about spending more in self -improvement

170

but clearly I don't care about my self improvement

171

that much rent 1900 I can't change anything those are some utility costs whatever other

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I don't want to go into that

173

but wait what is an other let me go check cash advance interest I don't know what

174

that is virtual assistant was an other oh maid cleaning service I also put

175

that other that's I recommend that too especially if you're lazy right

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so okay that's that's not

177

that bad I'm not going to change anything there entertainment I don't want to I don't want to change that

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because entertainment is important right let's go back to entertainment

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i want to see what i pay for entertainment yeah like like totally worth

180

it right spotify i have to showtime gotta hamilton tickets

181

you know it's for my brother it's important a fan to go movie totally important

182

i don't know what oh in -flight wi -fi that's important too patreon i don't know why it says gym

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but patreon i gotta support the patreon members tiffany young tickets k -pop really important

184

we're gonna skip this one we're gonna skip

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that one nintendo digital i could take

186

that off it's only four dollars trevor noah that

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that was worth it that was really you know

188

that i mean what are you gonna do with your money

189

if you're not gonna have fun with it k -con la tickets totally worth it ali wong totally worth it

190

so yeah i'm not gonna change anything in my entertainment business expense dude's business expense man's

191

you know to recap yes i spent a lot this month

192

but that's probably not every month I hope

193

and there's two reasons why I spend

194

so much the first reason is consumption smoothing all right

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it's an econ term learn it every time every time

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I spend too much that's my excuse I'm just doing consumption smoothing

197

and then the second reason is I don't plan on saving for retirement

198

because I'm banking on the fact that one of my investments will pan out and will make me rich.

199

So that saving a few thousands here and there would be irrelevant.

200

Oh, what kind of investment?

201

Stocks?

202

Real estate?

203

Bitcoins?

204

No, you plebs.

205

Okay, I'm investing in my future kids.

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I'm banking on the fact that one of them will be extremely rich, and that will pay dividends to me.

207

It didn't work out for my parents.

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But I'm optimistic for my kids.

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I should really call my parents.

210

Ooh, a new K -pop video.

211

Anyways, now I want to talk about the charity section.

212

So I got all these corgis from Thousand Skies, so thank you so much.

213

But I don't know what to do with them.

214

I'm not going to keep them in my place forever.

215

So I decided to give them out in exchange for a donation to my fundraiser in Mental Health America.

216

So that's when I decided to donate 500 to bootstrap my fundraiser

217

so that it doesn't look like a total failure if I don't have anyone donating.

218

So if you're in the Bay Area, SF Bay Area, you could you know for a small donation even just two bucks,

219

you could just give two bucks and then I could personally hand you the corgi

220

and I could meet you and I could give you a corgi.

221

But if you're not in the SF Bay Area, unfortunately I can't deliver it to you.

222

But if you really want one, you can go on thousandskies .com.

223

In case you want to know, they're not paying me for this.

224

I just really, really like the corgis because there's a sentimental value to it.

225

If you watched my videos from the beginning, you'd understand why.

226

It's because many times I interacted with the corgi on one of my videos that went really, really popular.

227

And I kind of associate my success to these corgis and yeah

228

and I kind of want to pay homage to it anyways

229

that's it for now the video is long enough unless I edit it really well I'm not sure

230

but thanks for watching really appreciate it

231

and I'll leave some links down below like for example the fundraiser link

232

and the thousand skies link and yeah I hope you enjoy it

233

so I'll leave you with this don't spend recklessly spend responsibly but remember self -worth before net worth see ya

234

No one ever sees me, sees me, I'm losing every battle.

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本課的詞彙與口語要點

這節口語課以影片“How I Spend My $250K Software Engineer Income”為素材。影片中反覆出現的詞有：spending, ticket, bought。這段影片共有 234 個句子、2588 個單詞可供跟讀。講話部分時長為 15:30。說話人語速自然，每分鐘約 167 個詞，接近日常對話。 82% 的單詞屬於英語最常用的 3,000 詞，其餘的詞建議在練習前先學一下。

影片中的重點詞彙

影片中 15 個值得學習的單詞，附發音和釋義：

單詞	發音	釋義
expense 名詞	/ɪkˈspɛns/	費用 /費用, 花費
fundraiser 名詞	/ˈfʌnd.ɹeɪ.zɚ/	募捐活動 /募捐活動
transition 名詞	/tɹænˈzɪʃ.ən/	過渡 /過渡, 轉變 /轉變
charity 名詞	/ˈtʃæɹɪti/	慈善機構 /慈善機構
divide 動詞	/dɪˈvaɪd/	分, 分裂
bucket 名詞	/ˈbʌkɪt/	水桶, 吊桶
guitar 名詞	/ɡɪˈtɑɹ/	吉他, 六絃琴
android 名詞	/ˈænˌdɹɔɪd/	人形機器人 /人形機器人, 仿生人
hockey 名詞	/ˈhɑ.ki/	曲棍球, 冰球
smooth 形容詞	/smuːð/	平穩 /平穩, 順利 /順利
consumption 名詞	/kənˈsʌmp.ʃən/	消費 /消費
bitcoin 名詞	/ˈbɪtˌkɔɪn/	比特幣 /比特幣
skip 動詞	/skɪp/	跳
dive 動詞	/daɪv/	潛水 /潛水
graph 名詞	/ɡɹæf/	圖表 /圖表

影片中出現的短語動詞

單詞	釋義
go through 動詞	通過 /通過

值得反覆跟讀的句子

影片中簡短而完整的句子，可以直接用在日常對話裡：

Also, you didn't click this video for this.
I'll talk about that later.
Highly recommend it if you're rich.
It didn't work out for my parents.

影片中的語法

說話人最常用的結構，並附上影片中的原話：

結構	影片中的用法
定語從句 who / which + 從句 — 補充說明人或事物	desires which is · food which is · content, which is
被動語態 be + 過去分詞 — 強調發生了什麼，而不是誰做的	was inspired · wasn't recorded · is advised

需要注意的發音

說話人用了 114 次縮略和弱讀形式，例如 don't, I'm, gonna。請按聽到的簡短形式來說。

“sh” 和 “zh” 音: transition /tɹænˈzɪʃ.ən/, consumption /kənˈsʌmp.ʃən/, donation /doʊˈneɪʃən/, associate /əˈsoʊʃi.ət/, discretion /dɪˈskɹɛʃən/
長單詞——注意重音位置: associate /əˈsoʊʃi.ət/, utility /juːˈtɪlɪti/, irrelevant /ɪˈɹɛləvənt/, optimistic /ˌɒptɪˈmɪstɪk/, materialistic /məˌtɪəɹ.i.əˈlɪs.tɪk/

中文母語者容易讀錯的音：

/v/ — 不要讀成 /w/，上齒輕觸下唇: virtual /ˈvɜɹt͡ʃuəl/, divide /dɪˈvaɪd/, dive /daɪv/, privacy /ˈpɹaɪ.və.si/, invest /ɪnˈvɛst/
詞尾子音 — 要讀清楚，後面不要加母音: expense /ɪkˈspɛns/, divide /dɪˈvaɪd/, bucket /ˈbʌkɪt/, anyways /ˈɛn.iˌweɪz/, buck /ˈbʌk/
/r/ 和 /l/ 的區別: virtual /ˈvɜɹt͡ʃuəl/, reckless /ˈɹɛkləs/, irrelevant /ɪˈɹɛləvənt/, materialistic /məˌtɪəɹ.i.əˈlɪs.tɪk/

如何用這段影片練習

先完整聽一遍影片，不要開口，記下不認識的單詞。
先用 0.75 倍速逐句跟讀，熟練之後再回到正常速度。
錄下自己的聲音並與原聲對比，特別注意 expense, fundraiser, transition 這類單詞。

什麼是跟讀法？

跟讀法 (Shadowing) 是一種有科學依據的語言學習技巧，最初開發用於專業口譯員的培訓，並由多語言者Alexander Arguelles博士普及。這個方法簡單而強大：您在聽英語母語原聲的同時立即大聲重複——就像是一個延遲1-2秒緊跟說話者的影子。與被動聽力或語法練習不同，跟讀法強迫您的大腦和口腔肌肉同時處理並模模擬實的講話模式。研究表明它能顯著提高發音準確性，語調，節奏，連讀，聽力理解和口語流利度——使其成為雅思口語備考和真實英語交流最有效的方法之一。

影子跟讀法: 閱讀完整分步指南 →

跟讀練習: How I Spend My $250K Software Engineer Income - 通過影片學習英語口語

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