跟讀練習: Why Earning More Still Doesn't Feel Like Enough - 通過影片學習英語口語

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You got the raise, so you should feel better, right?

So why does it feel exactly the same?

Because more money wasn't the solution.

It's what happens after you get it.

Somewhere along the way, earning more was supposed to solve the problem.

Less stress, more freedom.

But for a lot of people, that's not what really happens.

I'm Jenny, and I'm Celine.

Today, we're breaking down why earning more still doesn't feel like enough and what you can do to actually change that.

So today we're going to talk all about lifestyle creep.

What is lifestyle creep, Jenny?

So lifestyle creep is a very insidious thing that happens when you earn more money, right?

And you're progressing in your career and you are earning more, but then slowly your lifestyle,

your choices and what you spend money on also creeps up very slowly to match that income level.

So before you know it, you have more money than you did and you're still just as broke.

Yeah, I feel like that can so easily happen though because the second you get a little bit more money, what is your first thought?

Ooh, more money.

What can I do with that?

What else can I spend?

Can I get that new car?

Can I now go buy more clothes?

Yep, all those things that you feel like you want but you couldn't before, all of a sudden you get a little bit more income and it seems more possible,

but it's so easy for that to get out of hand and your behavior hasn't changed then.

You're just spending more money the way you got it.

The reason why it's a lifestyle creep is because it happens slowly, right?

You get maybe a raise one year and then you decide, oh, I can upgrade my car.

You get a raise the next year.

Maybe, oh, I get another subscription.

And you're not thinking of all the things that you're already spending.

And so before you know it, you've added hundreds, thousands of dollars to your spending and it's negated anything that you earned for yourself.

Yes, and most of the time you don't really need those things, right?

It's not something you need.

It's something you want and you feel just getting that extra money is what's gonna get you there.

And that's when I've talked to so many people all the time that are like, if I just made an extra $100 a week or

if I just made an extra $3 ,000 a year that I could have everything I wanted and I'd be fined.

But then you end up saying the exact same thing

that next year and the year after that because you haven't changed anything with your spending.

So when you're figuring out what your baseline is, like I need this much to cover my expenses, anything after that, now you're choosing how to spend that money

but the problem with lifestyle creep is your past self has really decided

that for your future self you're setting yourself up for failure

and that you don't get a choice in the future right you're tagging

that money for other things before you even get to enjoy it

so i think it is important here to mention

that there is inflation it is a thing actual inflation there's actual inflation

so things cost different yes and we want to make sure

that when you do get that increase and you've made a little bit more money.

That's not exactly the same amount.

$1 ,000 today is a lot less than $1 ,000 20 years ago.

And so all of those expenses, not even 20 years ago, just do five years ago.

So yes, your income has gone up, but your expenses go up too.

So you have to be mindful that that is for a reason why it's going up.

There is just cost of living inflation, cost of living increases that you get to balance those out.

Absolutely.

And then once you know what your baseline is, you can work those increases into that, right?

So you can put more money into those accounts.

You can understand that you're going to be paying more.

Even something as simple as you're paying more in the summer for your air conditioning.

You need to make sure to budget for that, right?

So the first step, we always say you have to know where you stand.

You have to know where you are.

As much as it stinks to see how much you have spent on food delivery over the past six months, you have to do it and so you can make a plan moving forward

so get your baseline this is what i need to live

this is nothing fancy this is what we need to survive

so selene one thing that i think people struggle with is the social pressure especially

when they're progressing in their career and i think

that can be really hard

and it has you have to do the mental work of taking a step back

and saying just

because they have it doesn't mean they can always afford it true you know how much debt people are in

and the other thing i i think deserves to be talked about more is what does success look like right

because social media is all about looks i have this brand

i have this car i went to this vacation spot we

were just talking today about a gym i go to this gym i don't go to the other gym

and all of that if that really to me

and i think to a lot of people though isn't what success looks like success

and especially financial success is security it's i decide what i

do with my time i decide what i do with my

money i am at peace i can handle emergencies i don't stress about bills i am comfortable in my life

and that's really hard to show

so other than just me telling you this you would never know like

But success to me is someone who isn't controlled by their bills and by their money.

And those aren't the things that you're posting on social media.

No, he wants posting the vacations, the houses, the new cars, the new clothes, the new purse, all those fun things.

You don't post, I reached $1 ,000 in my emergency savings.

But you should.

We should.

It's exciting.

That's something we do.

Yeah.

We talk about it all the time.

That's not something that you see all of the time.

Very similar is hiding money from myself through automatic transfer.

So that baseline number that I mentioned before, I know what my baseline number is.

On payday, that goes away into one account.

And then I have my spending budget.

So my groceries and my shopping plan expenses.

That is another bucket into another account automatically.

Everything else, savings.

It all happens.

100

We hit paid on a Friday by like 12 p .m.

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Everything has been dispersed.

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And that is the only way I have been able to stop myself from spending the money, committed it to my savings and made sure

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that the lifestyle creep doesn't happen

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because like you said I set a spending budget for myself

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that has nothing to do with what I make it's like what I think is reasonable right so

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because everything extra is going into savings just like you described

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I'm like wow I'm really starting to save some money wow

108

if I don't spend it that number starts to go up

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and when the number starts to go up you really don't want it to go down oh you've worked

110

so hard for it.

111

I know.

112

And so that's really my biggest tip is hiding money from yourself.

113

I think you did that as well.

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Make sure to automatically put that money away and then make a reasonable budget for yourself and stick to that budget.

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And then in the future, your future self will thank you.

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Yeah, absolutely.

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We did the same thing with the accounts.

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I feel like the accounts now having them separately

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and then hiding them is like the envelopes back in the day where you would put everything in a different envelope.

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And this is what you could spend on food.

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This is what you could spend on travel whatever it might be now we do it with the accounts

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and it's just out of sight out of mind

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and you know it's starting to build more money can change your life but only

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if you tell it where to go that's where real financial freedom starts not with your next race

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if this is something that you are feeling

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or have felt before you're not alone

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if this helped put things into perspective share this with someone who needs to hear it too

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and don't forget to like comment and subscribe we'll see you next time We'll be right back.

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本課的詞彙與口語要點

這段影片共有 128 個句子、1504 個單詞可供跟讀。講話部分時長為 7:21。說話人語速較快，每分鐘約 204 個詞，會出現較多連讀和弱讀。 89% 的單詞屬於英語最常用的 3,000 詞，詞彙容易理解。

影片中的重點詞彙

影片中 15 個不太常見的單詞，附發音和釋義：

lifestyle /ˈlaɪfˌstaɪl/ (名詞) — 生活方式, 生態 /生態. A style of living that reflects the attitudes and values of a person or group.
earn /ɝn/ (動詞) — 掙 /掙, 賺 /賺. To gain (success, reward, recognition) through applied effort or work.
baseline /ˈbeɪslaɪn/ (名詞) — 基綫 /基線. A line that is a base for measurement or for construction.
expense /ɪkˈspɛns/ (名詞) — 費用 /費用, 花費. A spending or consuming, often a disbursement of funds.
inflation /ɪnˈfleɪ.ʃən/ (名詞) — 通貨膨脹 /通貨膨脹, 通脹 /通脹. An act, instance of, or state of expansion or increase in size, especially by injection of a gas or liquid.
vacation /veɪˈkeɪ.ʃən/ (名詞) — 假期. An extended trip or journey away from home for rest or pleasure.
cloth /klɒθ/ (名詞) — 布, 布料. A fabric, usually made of woven, knitted, or felted fibres or filaments, such as used in dressing, decorating, cleaning or other practical use. Sometimes…
envelope /ˈɛnvə(ˌ)loʊp/ (名詞) — 信封. A paper or cardboard wrapper used to enclose small, flat items, especially letters, for mailing.
tag /tæɡ/ (名詞) — 標簽 /標籤. A small label.
solve /sɒlv/ (動詞) — 解決 /解決. To find an answer or solution to a problem or question; to work out.
sudden /ˈsʌd.ən/ (形容詞) — 突然, 急劇 /急劇. Occurring quickly with little or no warning or expectation; instantly.
automatic /ˌɔː.təˈmæt.ɪk/ (形容詞) — 自動的 /自動的. Capable of operating without external control or intervention.
separately /ˈsɛp.ɹət.li/ (副詞) — 分別 /分別, 單獨 /單獨. In a separate manner; not together; apart.
bucket /ˈbʌkɪt/ (名詞) — 水桶, 吊桶. A container made of rigid material, often with a handle, used to carry liquids or small items.
subscription /səbˈskɹɪpʃən/ (名詞) — 訂閱 /訂閱, 預訂 /預訂. Access to a resource for a period of time, generally for payment.

影片中出現的短語動詞

go up (動詞) — 上昇 /上升, 上去. To move upwards.
break down (動詞) — 壞了 /壞了, 出故障. To stop functioning.
end up (動詞) — 到達. To bring to a conclusion.
figure out (動詞) — 弄清楚. To come to understand; to discover or find a solution; to deduce.
go down (動詞) — 下降, 下去. To descend; to move from a higher place to a lower one.

需要注意的發音

說話人用了 46 次縮略和弱讀形式，例如 you're, don't, I'm。請按聽到的簡短形式來說。

“sh” 和 “zh” 音: inflation /ɪnˈfleɪ.ʃən/, vacation /veɪˈkeɪ.ʃən/, subscription /səbˈskɹɪpʃən/
長單詞——注意重音位置: automatic /ˌɔː.təˈmæt.ɪk/, insidious /ɪnˈsɪdi.əs/

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 lifestyle, earn, baseline 這類單詞。

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
現在完成時 have/has + 過去分詞 — 過去發生但與現在仍有關聯的事	hasn't changed · you've added · I've talked
被動語態 be + 過去分詞 — 強調發生了什麼，而不是誰做的	be fined · be talked · isn't controlled
定語從句 who / which + 從句 — 補充說明人或事物	someone who isn · someone who needs

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跟讀練習: Why Earning More Still Doesn't Feel Like Enough - 通過影片學習英語口語

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