20 Minutes of British English Listening Practice 👂 - Real Native Conversation - #13 – YouTube Dictation Transcript & Vocabulary

1.[Music] hello hi Laura we've sort of coordinated again  have we well I'm kind of in like a turtl necky   gray thing and you're in like a gray thing every  time we do this Laura we don't we we don't we   don't communicate about what we're going to wear  it's just this got this telekinesis that's not   the right word got this this psycho link I think  between our brains well we're married so there you   go that's what did it it's the Rings it's the  power of the Rings what are we talking about   today by money Laura money money do your Mr Krabs  impression hello this is not good this is not good   hello I like money me like money money moneyone  that's a good one that's a good one talking about   money A lot of people are a bit shy to talk about  not shy there's a bit of a what's the word it's a   bit of a social stigma that you don't discuss  money have you found that yeah it's a bit of a   some C cultures find it quite rude to discuss  money some yeah I don't know which cultures   some do in some people would think like oh you  don't discuss but I have seen more people online   saying that especially in work you should discuss  your salary with your co-workers some people are   saying you should do that because like let's say  if you're doing the exact same job with someone   and you say oh I'm on this then that other person  might say why am I not on that and they might go   to their boss and like talk about it and talk  about promotions and stuff so a lot of people   are talking about salary transparency how you  should be open about it but other people people   are like never discuss it yeah I don't know it's  a bit of a weird social one do you think M People   care less about money as they get older yes do  you think yeah I think so why do you think that um   because more things things become more important  so it's no I in my opinion there's no it's not   it's not a coincidence that the people who let's  say traditionally care most about money haven't   got kids yet or haven't got grandchildren yet or  having got other stresses in their life they're   probably like healthy and things like that so  like yeah the only thing that they think well   what is the hole that I could fill be richer yeah  and that's the thing you're building I suppose at   the beginning of your life you're Building Wealth  but then when you get to 6 you probably built your   wealth and then it's things like oh some of my  friends are getting ill and stuff I want to make   sure got my or just traveling and seeing the world  or something so it becomes less important yeah do   you think money can buy happiness I really  think not I think it's a complex question   I think money can buy the means to have a life  that allows you to be happy do you know what I   mean because I think when people say like oh money  can't buy happiness I think it's a little bit in   not insensitive but I always think about people  who have no money and they're like living on the   street or like they're doing all this and they  hear rich people saying money can't buy happiness   I feel like if I was that person I'd say it would  make me happier like you know you know what I   mean like someone living on the street they can't  afford to feed themselves that you know struggling   and people say money can't buy happiness I'd be  thinking I think I'd be happier with £2,000 I   think I would be happier because I'd be able  to buy myself a flat I'd be able to buy this   so I think it's a complex question when people  just say it can't buy happiness I think that's   quite a privileged thing to say sorry sorry I set  a trap for think I just you think of a privileged   thing to say I'll give the counterargument the  count I I no I completely I I do agree with what   you're saying um but I also think that good a lot  of good things in life are free true so like you   could for example spend a lot of money on going to  Las Vegas with your friends for example you could   spend a lot of money doing that but the thing  that was the best was when you were in the hotel   room and you were reminiscing about University or  something now like that could be the highlight of   your holiday not all of the money that you spent  in Las Vegas and doing lots of nice things for   example um so I do think that it I think it's a  case- by case thing but then yeah yeah it's it   is complicated yeah because the other side of it  you're completely right it's don't don't aim for   money as your only source of happiness because  it won't get you there and loads of people they   did like a survey of of lottery winners and they  said that loads of lottery winners are miserable   afterwards like it doesn't like and it's I believe  it was Jim Cary who said Jim Cary once said I   think everyone should become rich and famous once  in their life to realize that it doesn't solve any   problems yeah yeah because I think like a lot of  people just think oh if only I had more money if I   was rich if I was famous then everything would be  better and then he said it doesn't solve anything   like it it it really doesn't and I think for  some people it amplifies it I think for some   people money amplifies their problems so if they  are already sad and miserable and you give them   a bunch of money it's probably just going to make  them sad and miserable but in a bigger house yeah   you're not going to be not be like if you're  lonely already yeah and then you get rich you   might think I'm going to have a lots of friends  now but then maybe you just feel lonier because   your house is bigger so you just feel more yeah  like solitary and the um I do I do also think that money I I keep hearing it in Mr ks's voice  money money money no it's a it is a stigma   it is a stigma it's like a bit of a there's a bit  of a Stig like a bit of a taboo topic isn't it to   to to talk about which is why this is difficult  Laura to be honest it is but it's but it's the   world we live in do you think you're good with  money do you think your spending habits and the   way you are with money is sensible yes I think you  apart from the fact that we don't have a pension   that's probably not very sensible I think I think  our daytoday life like present day spending is   good I think we could get better at future future  investment and things like that we're not great at   that but in the moment we're pretty good like we  don't we do not splurge on stuff we're not like   let's what do you think we spend the most money on  us short food food and like leur Le Leisure things   like going to going to an event or going to a a  theater show or like a day out or something like   that yeah yeah but we do not I tell you what  we don't spend most of our money on material   possessions uh like what like jewelry clothes  no fancy gadgets fancy cars like we some some   people put a lot of their money on material  possession which is fine spend your money how   you want I'd love for Apple to just stop making  iPhones because I'm happy with my iPhone yeah and   obviously I I have a choice whether or not to buy  a new iPhone but the the more the older my phone   gets yeah the worse the technology will be on that  and it will slow down I'm I'm really happy with my   phone I don't I don't I'm not striving for a  better phone a bigger phone I'm not striving   for a a better car or a bigger car or whatever we  really not car people we never every time we think   about our future we never think about having a  fancy car do just a car that moves and works it's   fine but yeah but some people spend a lot of their  money and another thing we don't spend our money   in is holidays a lot of people go on a holiday  every year we don't just because that's not how   we're choos and spend our money at the minute we  will minute we might on hym so I think we are good   at spending but we're not good at um investing  investing or like thinking of it's complicated   it is hard and also like we're trying to build our  live and you know like try to do nice things while   we're young and then if someone says to me oh  every time you get paid put 20% of that away for   tax and 20% of that away for a pension oh my God  what I'm left with like 60% left of what I've got   and I've got to spend like you know 10% of that  on food another 15% on bills tax oh all right but   then maybe maybe we're very naive maybe this is  just what life is it's horrible maybe I know and   it's even it's so rubbish being self-employed  because if you get it's actually great being   self-employed but in terms of the money thing so  when you're in a job in this country I don't know   how it works in other countries but in this  country they got P ye pay as you earn so if I   was a school teacher and worked in a school they  here's the money that comes in to pay me you're   me right and they go here's the money that you've  earned we've got this little bit for your tax but   don't worry about it don't worry about it there's  your money I've never even seen you've not even   seen it not even seen it what happens with us is  we get money in and we go ah look at this do you   want to go on a holiday do you want to do this and  then at the end of the year the tax man goes can   you give me thousands of pounds please because  you owe me and you go oh yeah and you probably   should have saved that as side yeah and we're not  very good at say which hopefully will be better   in we're going to get better but it's horrible  just to like send that money off and go there you   go whereas in other jobs you don't see the tax  it just gets what would you like to spend your   money on cloth clothes yeah I always want new  clothes but that's not I'm not asking much I'm   not saying I want to buy designer clothes I want  to buy like jeans that are £0 or like t-shirts   that are £20 I'm not asking I don't want to spend  thousands of pounds on clothes I just want like   quality clothes that I like I don't feel like I  like a lot of my clothes at the minute which is   mental because you buy I think you do you don't  buy a lot of clothes but I think I just get bored   quite easily you know how often I I change my hair  I think I just get bored of my look very quickly   and I want to change it and if I did that with my  clothes all the time i' would have no money yeah   we got to solve that do you think your attitude  towards money is different to older generation   so like your grandparents attitude to money and  your parents attitude to money slightly I think   my mom my mom and dad and my grandparents are very  very frugal very frugal yeah um so I'm I want to   say I'm better than them but I don't want to say  better because Frugal less just less Frugal um   but that doesn't I don't but I but I still never  I'm I'm not in debt I don't I don't I don't spend   what I don't have yeah ever um yeah so I think  I think I am different like my um my grandmother   I don't think she ever spent money on anything no  grandparents are very well CU I suppose they grew   up in like wartime where that you couldn't be SP  you didn't have the money to spend on stuff like   there wasn't stuff to buy because of ration and  everything so grandparents are a lot more frugal   but grandparents are also the ones that give you  20 quid would your grandparent give you money not   20 gr oh my own was she go like she like put a  little thing well no but well I saw my n like   every day should be yeah that's true you'd be  absolutely minted that way no I think my attitude   is a complete perfect balance of my mom and my  dad no not not your mom and your dad yeah not a   perfect balance of everyone in the world of my mom  and my dad so my dad is very much a spender and   my mom is is pretty she's pretty really good with  money so in I'm in the middle and I feel like I I   like to treat myself but I don't go crazy you  don't deprive yourself of anything no and and   I think we are a lovely balance for each other as  well because I think if if you didn't have me you   wouldn't spend anything on yourself you'd never  like buy yourself anything nice or like treat   yourself not very often at all and if I didn't  have you I'd have no money but I still don't feel   like I do spend the money on myself very often was  the last thing I bought like a big thing yeah PS5   yeah that was like two and a half years ago yeah I  mean I haven't spent that much money on myself in   a long time either you just bought some shampoo I  buy little things though you're more likely to buy   something expensive and rare and I'm more likely  to buy some cheap but often I yeah so it balances   out like you like you'll buy like makeup or hair  products or things like that it is more expensive   to be a girl absolutely cuz look at the two of  us like you've got no hair you wear no makeup   and then I've got long hair and I have to wear  makeup wasn't there some research into like that   product like um pink tax yeah pink tax so it's  more like even though the products are exactly   the same they just make the colors a little bit  girlier and they put up the price yeah it's called   the pink tax yeah they did it with like razors so  there's razors and they're exactly the same razor   but one of them's pink and the other one's blue  and the pink one was more expensive expensive to   be a girl but you don't have to buy the pink one  La no that's true but Society pushes me towards   the pink one yeah which I can't fight Society  yeah which is mad it's mad it's and like Society   also tells me because there were studies into um  apparently women who don't wear makeup would be   viewed as less professional in the workplace so  they did study which is it's our face it's mental   so they they well you've had it on here sometimes  when like remember that remember the video you did   about makeup yeah and then like like um there were  some people saying like please wear makeup Laura   please wear makeup no well it's true like I'm  like they there was a kind what it was but yeah   it was a study and they said that if a woman came  in for a job interview with no makeup on and they   interviewed a lot of like people who working and  they said they'd be more likely to make a judgment   on that woman of saying oh she's not prepared  she's not she's clearly not prepared well for   this interview she can't even put herself together  she has got makeup on yeah so I feel like I have   to wear makeup not because I just want to it's  like Society will view me in a different way if I   don't like on YouTu YouTube videos if I don't wear  makeup people might view me in a different way and   go well she's not a very professional teacher  which is wild I think I think I think so I have   to spend money I think we would we wouldn't have  as many subscribers if Lloyd didn't wear makeup   probably because they definitely they might make  a they click on the video and go I don't trust her   because she doesn't look very well put together  because she hasn't done done a makeup which is   so crazy ridiculous how we're born what's it about  learning English what's it about teaching English   nothing to do that so that is my big excuse for  why I'm allowed to spend more money because it is   more expensive beig no no no I'm I'm and you  you can you can spend your money we still PR   we're a good balance for each other because we  we're sensible and yeah when I was at University   would I have liked to have bought new clothes  every week to go out yeah but I didn't because   I was being sensible and now I don't have debt  like I know people who are in debt because they   just spent so much money at University yeah and  now they're still paying off that debt so kind of   like I'm happy that I remained strong and didn't  spend all my money on clothes because now I'm okay   and I'm not in debt from that um but there's a  lot of pressure to there's a lot of pressure to   spend money especially with like social media and  everything you look at people's lives and you go   oh that person's just been on a holiday oh that  person's got a new thing and we're in um what's   the word overc consumption we're in an era of over  consumption where people just want to have so much   of everything and they want I want to buy that  or oh I saw this on Tik Tok I saw this but I need   this this whereas like like you don't need all  that stuff like people feel like they need stuff   and they need to buy like stuff and get new which  which is interesting though because aren't many   many people now like minimalists yeah well there's  there's there's well you can be minimalist style   like your Decor looks minimalist it doesn't mean  you are a minimalist you could still have loads of   stuff right um so yeah it doesn't help especially  with things like Tik Tok shop now I can literally   be scrolling Tik Tok and I see a woman go I did  it the other day bought some on Tik Tok the other   day did you yes did you buy it was £10 for did  you buy face masks because they sold them really   well on Tik Tok and I'm scrolling and they were  like buy these and I can just literally click a   button I go there you go there you go done and  that's why people have so much stuff now whereas   if you do but you you're part of the problem then  in that case cuz you saw it and you bought it yeah   they got me they don't get me often I've only ever  bought two things off Tik Tok the bag and the bag   and that so I'm pretty my favorite bag of the well  I got from T shop so I'm pretty good with it I'm   able to have a balanced view on do I need that  or is that just silly it's it's mental like how   different we are yeah so I really want some light  bulbs that are like smart light bulbs so you that   we have some of them in the house you can kind  of change the colors of them these are not color   changing ones these are just a part of the app  that you connect to um and the light M are 2020   and I've wanted these for over two months you can  just get them well hang on over two months now   I've wanted to buy these and I've thought oh next  time next time I get some money I might buy them   or whatever you got some shampoo today was that  shampoo more expensive than the lights how much   are the lights 20 yeah that answers the question  doesn't it so how much do you think my shampoo was   oh I don't want to know 3030 I'm trying to fix my  hair 30 I'm not going to buy that often like like   like like I I really want sometimes I'll really  want like a video game or something and I won't   it will take me I'm not exaggerating years to go  yeah I'm going to buy that and that video game is   maybe £25 and you just like I said it's expensive  to me yeah but I think you are more frivolous than   me I actually don't think I am because I never  buy things that have I ever come down to you and   gone I've just been 400 on something that's never  happened I will only ever spend little amounts so   I actually don't think I'm that bad I don't think  £35 is little or 30 is little no it's not little   but this is something that I have been thinking  about for a long time cuz my hair has been not   correct for a very long time and I'm trying to  like my hair goes GRE this is not money related   my hair goes greasy after one wash and that's  really annoying me so I'm trying to stop my hair   going greasy after one wash which in time would  save me on shampoo cuz I won't be washing it as   often but would you have to continue using that  shampoo no it is a detoxing shampoo okay oh fair   enough fair enough so hope that's what I'm aiming  for but if I if I was saying to you like you know   every month I've just spend £300 on clothes that's  frivolous that's crazy yeah yeah yeah I do think   that I because I don't spend money a lot when I  when I have to or when I want to I I'm I'm happy   to do so yeah like a little bit more now so so you  bought a really nice map that's probably the most   most expensive thing you bought recently yeah but  that was still and You' wanted it for ages that   was still December yeah so you'd said for ages  that you wanted to get an old map and then you   found the perfect map in an antique shop and that  was 170 but you've been talking about it for ages   and you hadn't spent money on yourself in so long  so it was kind of like a a big treat and we are so   fortunate that we can buy a map for £1 170 we're  not doing it every day mind do you know what I   mean the last thing for myself like trust me we're  not we're not millionaires like we're we're we're   doing okay but we we're we're surviving I'm  in debt to be Mom that's that's being honest   we had to borrow lots of money off me mom cuz we  got married and bought a house in the same year   yeah and I was like I we can't do this it was so  expensive CU like buying a house you have to pay   solicitor's fees so when the solicitor buys the  house does all the house stuff for you they go   4,000 and our solicitor was not good 4,000 is a is  so it's a lot well I think we been done a little   bit by by the solicitors because your brother  said that they paid it did take a while to go   through your brother your brother was saying like  oh gosh our took and he found how much it cost   and he said ours cost like £500 and we thought  we paid four grand anyway so we've got that and   they we had to pay for the wedding so we uh we're  still paying my mom back for that aren't we yeah   so um but it's just about making just living  within your means I absolutely I think we do   live within our means which is good I think so we  don't we don't try to live outside of our Meats I   think that's the key isn't it if I if I spend  if I if I put myself in debt to buy something   there is no way that the thing that I buy would  bring me would would be worth the anxiety of me   being in debt it wouldn't at all yeah that's true  that's true but we are but we're fortunate that   we can take that kind of loan from our and know  that we can over time be able to pay it back so   um money is one of those topics isn't it where  it's like it's it's so like what's the word um   subjective yeah and um I just wish we could live  in a world where no one's struggling to put food   on the table but that's me being my idealist AB  um yeah and like we yeah and you can you can if   you have money it's about being generous I think  I think the the people that stress me out are the   ones that have it all and don't give or don't  like like like if you're earning loads and you   don't give a bit of that back to charity it feels  a little bit like oh come on like you can you can   give a little like I'm not saying give away all  your riches I'm not being like Ebony's a screw or   whatever just just if you're earning thousands and  thousands can you do $5 a month to a charity or   something yeah um it's it's about sharing it isn't  it and and being generous with it but normally the   richest people are the tightest yeah yeah like the  the the what was it now I saw a video or something   and there was like a person and she had she only  had like $10 her name literally $10 and she saw   someone who was in need and she gave her the $10  like that whereas then you know really really rich   people are less likely to do it weird weird world  we live in isn't it it's very strange it's very   strange do do you think that rich people are happy  I think if they are it's the other things in their   life that's making them happy not the money I  think it's the the security maybe maybe money buys   you security and that's what lets you be happy  because you can just chill and go I can focus   on stuff that makes me happy whereas if you don't  have the money focusing all this Stu people yeah   they call it like Financial Freedom yeah yeah yeah  Financial Security and stuff so very interesting   very interesting topic we can we can unclench  our fists now relax yeah we're not talking   about money anymore we like to talk about the  hard-hitting topics here on chatting English we   do give me a handshake Laura it's been a pleasure  pleasure is all mine how much do I owe you byebye [Music]