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How to Use a 401K Properly to Retire Faster (Do This Now!)

Video vocabulary

convenient

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US / kənˈvi:niənt /

UK / kənˈvinjənt /

A2
  • adjecitve
  • Allowing you to do something with less trouble

complicate

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US / ˈkɒmplɪkeɪt /

UK / ˈkɑ:mplɪkeɪt /

B1
  • verb
  • To make more difficult to do, understand or use

straight

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US / streɪt /

UK / stret /

A2
  • adjecitve
  • Not having curves, bends, or angles
  • Not gay; heterosexual
  • honest and direct
  • adverb
  • in a line; immediately; honestly and directly

tax

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US / tæks /

UK / tæks /

A2
  • noun
  • Money taken by a government from its people
  • verb
  • To require a lot of physical or mental effort
  • (Government) to take money from a country's people

flexibility

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US / ˌfleksə'bɪləti /

UK / ˌfleksə'bɪləti /

B1
  • noun
  • The quality of being able to be bent or stretched

expense

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US / ɪk'spens /

UK / ɪkˈspɛns /

B1
  • noun
  • Money you have to pay to do part of your job
  • Paying money for something (big)
  • When resources e.g. time is used to do something

million

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US / ˈmɪljən /

UK / ˈmɪljən /

A1
  • number
  • 1,000,000

already

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US / ɔ:lˈredi /

UK / ɔlˈrɛdi /

A1
  • adverb
  • Having happened or been done before this time

consider

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US / kən'sɪdə(r) /

UK / kənˈsɪdər /

A1
  • verb
  • To think carefully about something

will

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US / wɪl /

UK / wɪl /

A1
  • noun
  • Desire or choice of someone
  • Document saying who gets your money when you die
  • Strong desire to do something; determination
  • Desire to do something; strong wish to do
  • other
  • Used with verbs to express the future
  • verb
  • To leave property to someone after your death
  • To use mental effort to make something happen
  • Am (is, are) likely to do
  • To influence someone to do something
  • To make something happen by strongly wanting it

thousand

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US / ˈθaʊznd /

UK / ˈθaʊzənd /

A1
  • number
  • Number 1,000

explain

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US / ɪk'spleɪn /

UK / ɪkˈsplen /

A1
  • verb
  • To make clear or easy to understand by describing

many

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US / 'menɪ /

UK / ˈmɛni /

A1
  • determiner
  • Used to refer a large number of things

someone

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US / ˈsʌmwʌn /

UK / ˈsʌmˌwʌn, -wən /

A1
  • pronoun
  • Person who is not known or named

continue

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US / kən'tɪnju: /

UK / kənˈtɪnju /

A1
  • verb
  • To do something without stopping, or after pausing
  • To start doing again after a break, pause, or stop

generosity

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US / ˌdʒenəˈrɒsəti /

UK / ˌdʒenəˈrɑ:səti /

B1
  • noun
  • Giving or sharing things freely with others

generic

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US / dʒə'nerɪk /

UK / dʒəˈnɛrɪk /

B2
  • adjecitve
  • Concerning a product without a brand name
  • Concerning an entire class, category, or group

age

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US / eɪdʒ /

UK / edʒ /

A1
  • verb
  • To keep food, wine for a long time to improve it
  • To get older
  • noun
  • Period of time in history
  • Number of years a person or thing has lived

matter

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US / 'mætə(r) /

UK / ˈmætɚ /

A1
  • noun
  • Material all things are made of that fills space
  • Problem or reason for concern
  • verb
  • To be of great importance; to count

stupid

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US / ˈstju:pɪd /

UK / ˈstu:pɪd /

A2
  • adjecitve
  • Not intelligent; lacking ability to learn easily

warn

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US / wɔ:n /

UK / wɔrn /

A2
  • verb
  • To tell someone about possible danger

past

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US / pɑ:st /

UK / pæst /

A2
  • adjecitve
  • No longer current or new
  • adverb
  • So as to go beyond, or further than something
  • noun
  • Time that existed before now, e.g. long ago
  • preposition
  • After a particular time
  • At a later point in distance; beyond

small

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US / smɔ:l /

UK / smɔl /

A1
  • adjecitve
  • Little in size; not big
  • (Of letters) not written in capital letters
  • Being insignificant or minor
  • (Of a business) with few people or things; local
  • (Of voice) being soft and quiet
  • (Of a child) being young

penalty

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US / 'penəltɪ /

UK / ˈpɛnəlti /

B1
  • noun
  • Negative effect resulting from your actions
  • Punishment for committing a crime or offense
  • A punishment for breaking the rules of the game

point

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US / pɔɪnt /

UK / pɔɪnt /

A1
  • noun
  • An item to be discussed
  • Small spot or dot
  • Fact or detail
  • Feature of something
  • The size of the text on a page or screen
  • A certain time or stage in a process
  • Certain position in time or space
  • Idea or fact you try to convince people about
  • Measurement of scores in a game, sport
  • Sharp end of something, e.g. a pen or pin
  • verb
  • To face a certain direction, e.g. north
  • To indicate something with your finger to others

should

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US / ʃʊd /

UK / ʃʊd /

A1
  • other
  • Used to indicate what is proper or reasonable

actually

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US / ˈæktʃuəli /

UK / ˈæktʃuəli /

A1
  • adverb
  • Used to add new (often different) information

use

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US / ju:s /

UK / ju:s /

A1
  • noun
  • Ability to employ something
  • Need to enable it to work
  • Permission to do something with something
  • Act of spending money
  • Operation of a machine for its function
  • verb
  • To have; to eat, drink, consume etc.
  • To need to operate or work
  • To operate a machine, e.g. a computer
  • To treat a person badly
  • To do something with, for a task or purpose

truth

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US / tru:θ /

UK / truθ /

A2
  • noun
  • Real facts about something

sure

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US / ʃʊə(r) /

UK / ʃʊr /

A1
  • adjecitve
  • Having no doubts about something
  • Have confidence in your own words or actions
  • Firmly established or held; being firm or stable
  • Being correct or true
  • adverb
  • What you say to agree willingly

perk

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US / pɜ:k /

UK / pɜ:rk /

B2
  • noun
  • An advantage or something extra, such as money or goods, that you are given because of your job
  • verb
  • To suddenly get more energy

four

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US / fɔ:(r) /

UK / fɔr, for /

A1
  • number
  • 4

market

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US / ˈmɑ:kɪt /

UK / ˈmɑ:rkɪt /

A1
  • noun
  • Need or demand for a particular product or service
  • Area or region where a certain product is sold
  • Public event where people sell goods on tables
  • Institution where stocks are bought and sold
  • verb
  • To publicize products to get you to buy; advertise

guideline

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US / ˈgaɪdlaɪn /

UK / ˈɡaɪdˌlaɪn /

B1
  • noun
  • General rule or instruction how to do a thing

wedding

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US / ˈwedɪŋ /

UK / ˈwɛdɪŋ /

A2
  • noun
  • A marriage of two people
  • verb
  • To combine and join two things together as one

ideal

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US / aɪˈdi:əl /

UK / aɪˈdiəl, aɪˈdil /

A2
  • adjecitve
  • Exactly right; could not be better
  • Which is thought of as being perfect

additional

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US / əˈdɪʃənl /

UK / ə'dɪʃənl /

A2
  • adjecitve
  • Further or added

immediately

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US / ɪˈmi:diətli /

UK / ɪˈmidiɪtli /

A1
  • adverb
  • Without any delay; straight away

money

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US / 'mʌnɪ /

UK / ˈmʌni /

A1
  • noun
  • Coins or notes we use to pay for things

from

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US / frəm /

UK / frʌm, frɑm,frəm /

A1
  • preposition
  • Starting at a particular place, time or level

over

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US / 'əʊvə(r) /

UK / ˈovɚ /

A1
  • adverb
  • Finished; no longer happening
  • Towards the ground/away from a standing position
  • noun
  • A set of six consecutive balls bowled in cricket
  • other
  • Finished
  • preposition
  • Showing the relation when a thing is above another
  • On or covering something
  • Above or across something
  • More than you need
  • From one side to the other
  • In the direction of; toward

convenience

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US / kənˈvi:niəns /

UK / kənˈvinjəns /

A2
  • noun
  • Quality of being easy to do or saving time

back

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US / bæk /

UK / bæk /

A1
  • adjecitve
  • Farthest from the front e.g. in a classroom
  • adverb
  • Have returned to a place you were before
  • noun
  • The part of a chair that the upper body leans upon
  • Location at the rear of something
  • The reverse of side something
  • Area on the rear of your body
  • verb
  • To bet money on something
  • To go backwards in a car
  • To support and encourage someone or some cause

put

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US / pʊt /

UK / pʊt /

A1
  • phrasal verb
  • to make a light stop shining by pressing or moving a switch
  • verb
  • To move or place a thing in a particular position
  • To rate something in importance or value
  • To write or say something in a certain manner

match

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US / mætʃ /

UK / mætʃ /

A2
  • noun
  • Something that is equal to or the same as another
  • Small stick you strike to light a fire candle etc.
  • A sports competition between two people or teams
  • Person or thing that goes well with another
  • verb
  • To equal or be as good as something else
  • To work well or look good with something else

and

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US / ənd /

UK / ənd, ən,ænd /

A1
  • conjunction
  • Used to refer to two or more things
  • Plus; in addition; on top of that
  • Used to introduce an action that follows another

emphasize

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US / 'emfəsaɪz /

UK / ˈɛmfəˌsaɪz /

B2
  • verb
  • To stress the items that are important

company

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US / 'kʌmpənɪ /

UK / ˈkʌmpəni /

A1
  • noun
  • Good feeling from being with someone else
  • A business that sells things or provides services
  • Guests, especially in your home
  • Being with another person rather than alone

forty

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US / 'fɔ:tɪ /

UK / ˈfɔrti /

A1
  • number
  • 40

optimize

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US / ˈɒptɪmaɪz /

UK / ˈɑ:ptɪmaɪz /

B2
  • verb
  • To make as effective as possible

aggressive

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US / əˈgresɪv /

UK / əˈɡrɛsɪv /

B1
  • adjecitve
  • Using energy and determination to achieve a goal
  • Behaving in a hostile and threatening way

significantly

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US / sɪgˈnɪfɪkəntli /

UK / sɪɡˈnɪfəkəntlɪ /

A2
  • adverb
  • In a way that is important or noticeable
  • In a way that is meaningful

beyond

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US / bɪ'jɒnd /

UK / biˈɑnd, bɪˈjɑnd /

A2
  • adverb
  • On or to the farther side
  • In addition to
  • preposition
  • Later in time than
  • Out of the limits of

large

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US / lɑ:dʒ /

UK / lɑ:rdʒ /

A1
  • adjecitve
  • Big; of great size; broad, tall, wide, or fat

leave

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US / li:v /

UK / liv /

A1
  • noun
  • Permission to do something
  • Vacation time; time off work
  • verb
  • To go away from; depart
  • To gift property to someone after you die
  • To allow something to continue happening
  • To let something remain unused or available
  • To let something or someone remain somewhere

hurt

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US / hɜ:t /

UK / hɚt /

A1
  • noun
  • Mental, emotional, or physical pain
  • verb
  • To cause pain, damage or injury

lot

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US / lɒt /

UK / lɑt /

A1
  • noun
  • What happens to a person in life from chance; fate
  • A group of people seen together
  • Item for sale at an auction
  • Small area of land used for a purpose e.g. parking

real

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US / rɪəl /

UK / ˈriəl, ril /

A1
  • adjecitve
  • Actually existing or happening, not imagined
  • Being important or special

help

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US / help /

UK / hɛlp /

A1
  • noun
  • Something given to enable a person to do something
  • Assistance given to someone in need
  • Someone who makes something easier or possible
  • verb
  • To act to enable a person to do something; assist
  • To make something better or less difficult

variable

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US / ˈveəriəbl /

UK / ˈveriəbl /

A2
  • adjecitve
  • Having the ability to change or vary
  • noun
  • Mathematical quantity with several values

most

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US / məʊst /

UK / most /

A1
  • adverb
  • Very; extremely
  • Greatest possible degree
  • pronoun
  • Nearly all of something

pain

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US / peɪn /

UK / pen /

A1
  • noun
  • Strong feeling of hurt or discomfort
  • Something or someone that bothers or upsets you
  • verb
  • To cause someone to feel upset or worry

another

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US / əˈnʌðə(r) /

UK / əˈnʌðɚ /

A1
  • adjecitve
  • One more, but not this
  • determiner
  • One more added
  • pronoun
  • One more (thing)

keep

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US / ki:p /

UK / kip /

A1
  • noun
  • Large, strong tower in the middle of a castle
  • Money spent on you so you can live in a place
  • verb
  • To continue doing something; not to stop
  • To stop balls going in a goal in sports
  • To not give back or return something
  • (Of food) to not spoil or not rot
  • To take possession of something to own, e.g. a pet
  • To have and continue to hold something
  • To do something that you have promised or agreed
  • To stay in a certain place or condition
  • To maintain the rules

trigger

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US / 'trɪɡə(r) /

UK / ˈtrɪɡɚ /

B1
  • noun
  • Lever on a gun that you pull to fire
  • Device that starts a process
  • verb
  • To start a process off e.g. a memory

think

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US / θɪŋk /

UK / θɪŋk /

A1
  • verb
  • To have an idea about something without certainty
  • To have an idea, opinion or belief about something

share

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US / ʃeə(r) /

UK / ʃɛr /

A2
  • noun
  • Part-ownership in a property, business or company
  • Part of a company you own, shown by a certificate
  • verb
  • To divide something between two or more people
  • To allow others to use your things equally
  • To give information, etc. to someone

any

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US / 'enɪ /

UK / ˈɛni /

A1
  • adjecitve
  • One, or some, no matter which
  • pronoun
  • One (thing) of many; some

only

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US / ˈəunli /

UK / ˈonli /

A1
  • adverb
  • Just one; just that amount or thing; not more than
  • Not very important or serious
  • Just that type of thing, person
  • Short time ago; not before a certain time
  • conjunction
  • Except; but

mess

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US / mes /

UK / mɛs /

A2
  • noun
  • Something that is untidy, dirty or unclean
  • verb
  • To make something untidy or dirty

base

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US / beɪs /

UK / bes /

A2
  • noun
  • Place military personnel live, train, and operate
  • Bottom part of an object that touches a surface
  • Unit of counting, e.g. 10 for counting
  • Most important idea or ingredient to add others
  • Origin or start from which something came
  • Main place where an organization or a person works
  • verb
  • To use as the starting point or origin for
  • To have as the main location for (company, etc.)

ten

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US / ten /

UK / tɛn /

A1
  • number
  • 10

nine

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US / naɪn /

UK / naɪn /

A1
  • number
  • 9

two

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US / tu: /

UK / tu /

A1
  • number
  • 2

something

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US / ˈsʌmθɪŋ /

UK / ˈsʌmθɪŋ /

A1
  • adverb
  • In some degree or measure
  • noun
  • a person or thing of some value or consequence
  • pronoun
  • Thing that is not yet known or named
  • Approximately

ripoff

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US / 'rɪpɔ:f /

UK / 'rɪpɔ:f /

C2
  • noun
  • Something that is far too expensive
  • verb
  • To cheat by charging them too much money

friendly

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US / ˈfrendli /

UK / ˈfrɛndli /

A2
  • adjecitve
  • Acting like a friend; kind and helpful
  • noun
  • Game played not in a competition

fifteen

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US / ˌfɪfˈti:n /

UK / fɪfˈtin /

A1
  • number
  • 15

out

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US / aʊt /

UK / aʊt /

A1
  • adverb
  • No longer stylish (e.g. fashion)
  • Away from home, business, or the usual place
  • In a direction/movement away from inside or center
  • noun
  • Act when a batter cannot continue playing
  • verb
  • To tell people a secret

early

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US / ˈɜ:li /

UK / ˈɜ:rli /

A1
  • adjecitve
  • Happening or appearing before
  • adverb
  • Coming/happening before others in a time sequence
  • Happening sooner than expected

place

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US / pleɪs /

UK / ples /

A1
  • noun
  • Particular location, area or region
  • verb
  • To put someone in a particular type of situation
  • To put something in a certain location or position

hypothetically

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US / ˌhaɪpə'θetɪklɪ /

UK / ˌhaɪpə'θetɪklɪ /

B2
  • adverb
  • In a hypothetical way; as an example

ira

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US / ˌaɪ ɑːr ˈeɪ /

UK / ˌaɪ ɑːr ˈeɪ /

A1
  • abbreviation
  • Individual retirement account.
  • Irish Republican Army.

least

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US / li:st /

UK / list /

A1
  • adverb
  • In the smallest or lowest way
  • noun
  • Something that is of the lowest or smallest degree

typical

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US / ˈtɪpɪkl /

UK / ˈtɪpɪkəl /

A2
  • adjecitve
  • Normal; usual; expected

what

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US / wɒt /

UK / hwɑt, hwʌt, wɔt, wʌt,hwət, wət /

A1
  • pronoun
  • Thing or things that; the same kind as
  • Used to emphasize something you are about to say
  • adjecitve
  • Used to refer to a particular amount, or number
  • Used to place emphasis on a particular quality
  • adverb
  • To a certain degree
  • determiner
  • Question words used for asking for information
  • exclamation
  • Used to express excitement, shock, or surprise
  • Used to ask people to repeat something they said

get

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US / ɡet /

UK / ɡɛt /

A1
  • verb
  • To become affected by illness or disease
  • To begin to feel or understand an emotion or idea
  • To send or bring someone or something home, etc.
  • To go somewhere to obtain something
  • To (cause to) do a particular thing
  • To obtain, receive or be given something
  • To currently have
  • To prepare for use
  • To understand something being said or read

that

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US / ðæt /

UK / ðæt, ðət /

A1
  • adjecitve
  • The person or thing being talked about
  • Used to identify something both the speakers know
  • adverb
  • Used to reinforce adjectives and adverbs
  • To such a degree
  • conjunction
  • Used to connect a noun clause
  • Used to introduce an adverbial clause
  • Used to introduce a noun clause
  • determiner
  • Used as a noun to refer to something
  • pronoun
  • Referring an object far away
  • Used to refer to the relative pronoun ‘which’

suppose

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US / sə'pəʊz /

UK / səˈpoʊz /

A2
  • conjunction
  • What if
  • verb
  • To imagine or guess what might happen

generous

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US / ˈdʒenərəs /

UK / ˈdʒɛnərəs /

A2
  • adjecitve
  • Giving or ready to give freely
  • (Of an amount) larger than usual; lavish

about

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US / ə'baʊt /

UK / əˈbaʊt /

A1
  • adverb
  • To be ready to; going to
  • Nearly; approximately; roughly
  • Near; next to; close to
  • In every direction; in the area of
  • preposition
  • Concerning or of (a topic)

first

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US / fɜ:st /

UK / fɚst /

A1
  • adjecitve
  • 1st; Coming before all others in time or place
  • noun
  • Something that has not happened before
  • Position of the winner of a competition

watch

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US / wɒtʃ /

UK / wɑtʃ /

A1
  • noun
  • Period of time someone is responsible for guarding
  • Device you wear on your wrist that shows the time
  • Official warning statement, e.g. of bad weather
  • verb
  • To keep in check, manage, or control something
  • To look at something for entertainment, e.g. TV
  • To guard a place or people; protect child, etc.
  • To look at carefully to work out what is happening
  • To protect and care for someone or something

borrow

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US / ˈbɒrəʊ /

UK / ˈbɑ:roʊ /

A2
  • verb
  • To take and later return something from another
  • To carry one number to another column when adding

example

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US / ɪgˈzɑ:mpl /

UK / ɪɡˈzæmpəl /

A1
  • noun
  • Thing, person which represents a category

hire

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US / ˈhaɪə(r) /

UK / haɪr /

A2
  • noun
  • Short term rental of something e.g. car, phone
  • verb
  • To give a job to someone in exchange for pay
  • To give the use of something in exchange for money

number

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US / ˈnʌmbə(r) /

UK / ˈnʌmbɚ /

A1
  • noun
  • Symbols such as 1, 2, 56, 793
  • Particular song or dance performed during a show
  • Total quantity or amount of things
  • verb
  • To put numbers on things
  • To assign a sequence within a group, series, set
  • To claim to be part of a larger group, series, set

straightforward

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US / ˌstreɪtˈfɔ:wəd /

UK / stretˈfɔrwəd /

B1
  • adjecitve
  • Easy to do or understand; not complicated

thirty

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US / 'θɜ:tɪ /

UK / ˈθə:ti /

A1
  • number
  • 30

like

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US / laɪk /

UK / laɪk /

A1
  • adjecitve
  • Being equal in status or kind to something else
  • Similar; the same
  • adverb
  • For example
  • preposition
  • Used as a filler; used to ad emphasis
  • In a way similar to the way something is done
  • Such as; for example
  • verb
  • To want to
  • To find something pleasing; to prefer something

tell

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US / tel /

UK / tɛl /

A1
  • verb
  • To (strongly) advise a person to do something
  • To be able to guess
  • To say or communicate information to someone
  • To inform, but without speaking; indicate
  • To have a negative effect on someone
  • To order someone to do something; command
  • To recognize something based on certain signs
  • To report something to an authority
  • To explain something or teach someone something

comment

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US / 'kɒment /

UK / ˈkɑmɛnt /

A2
  • noun
  • Something you say, giving an opinion; remark
  • verb
  • To say something that gives your opinion

bother

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US / 'bɒðə(r) /

UK / ˈbɑðɚ /

A2
  • noun
  • Problems, concern or worry for someone
  • A disturbance; trouble
  • verb
  • To cause problems, concerns or worry for someone
  • To take the trouble to do something

great

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US / ɡreɪt /

UK / ɡret /

A1
  • adjecitve
  • Very large in size
  • Very important
  • Very good; fantastic; wonderful
  • adverb
  • Very good; better than before
  • noun
  • Successful and well-admired person

again

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US / ə'ɡen /

UK / əˈɡɛn /

A1
  • adverb
  • One more time, once more

second

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US / 'sekənd /

UK / ˈsɛkənd /

A1
  • adjecitve
  • 2nd; the one following first
  • noun
  • Unit of time; one sixtieth of a minute
  • Short period of time that you wait for someone
  • (Do) soon

each

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US / i:tʃ /

UK / itʃ /

A1
  • determiner
  • Every one of two or more things
  • pronoun
  • Per one person or thing

boil

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US / bɔɪl /

UK / bɔɪl /

A2
  • verb
  • To become extremely angry or excited
  • To cook in very hot water
  • To make liquids hot so they turn to gas

care

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US / keə(r) /

UK / kɛr /

A1
  • noun
  • Treatment you receive for your health or safety
  • Something that a person worries about
  • verb
  • To feel interest, concern, or worry
  • To look after someone or something

nothing

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US / 'nʌθɪŋ /

UK / ˈnʌθɪŋ /

A1
  • noun
  • Item of little or no value, importance, interest
  • Number or value of zero
  • pronoun
  • Not anything, not a single thing

eye

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US / aɪ /

UK / aɪ /

A1
  • noun
  • The part of the body that you see with
  • The skill to see the good and bad parts of a thing
  • Hole at the end of a needle
  • verb
  • To watch or study something closely

mean

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US / mi:n /

UK / min /

A1
  • adjecitve
  • Being good at
  • Nasty; unkind
  • Not liking to spend money; cheap; stingy
  • noun
  • Average of a set of numbers
  • verb
  • To express a particular idea or thought
  • To intend to do something in particular
  • To have a particular meaning or value

fancy

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US / 'fænsɪ /

UK / ˈfænsi /

A2
  • adjecitve
  • Unusual and attractive in design
  • verb
  • To want to have or do something; feel like
  • To imagine or suppose that something will happen
  • To believe or imagine something that is not true

value

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US / 'vælju: /

UK / ˈvælju /

A1
  • noun
  • Importance you attach to something
  • Some information expressed as a number
  • Stated price of something; worth
  • verb
  • To place a high importance on something
  • To say how much money something is worth

percentage

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US / pəˈsentɪdʒ /

UK / pərˈsentɪdʒ /

B1
  • noun
  • Part of a whole divided into hundredths

witness

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US / 'wɪtnəs /

UK / ˈwɪtnɪs /

B1
  • noun
  • Person who was present to see an event take place
  • Evidence or proof of something
  • verb
  • To see the signing of an official document
  • To see an event take place (usually a crime)
  • To serve as an example or evidence of something

fund

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US / fʌnd /

UK / fʌnd /

A2
  • noun
  • Money collected, saved, or provided for a purpose
  • A specific account into which you put money
  • verb
  • To supply money for something

conservative

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US / kənˈsɜ:vətɪv /

UK / kənˈsɚvətɪv /

B1
  • adjecitve
  • (Of an estimate, price) set fairly low
  • Resistant to change
  • noun
  • Person with traditional ideas; doesn't like change

happen

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US / 'hæpən /

UK / ˈhæpən /

A1
  • verb
  • To take place or occur

instrument

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US / 'ɪnstrəmənt /

UK / ˈɪnstrəmənt /

A2
  • noun
  • Gauge for measuring something, e.g. temperature
  • Legal document
  • Device that is used for creating music

down

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US / daʊn /

UK / daʊn /

A1
  • adjecitve
  • Being sad, sick, or unhappy
  • Not operating, working, or functioning as expected
  • adverb
  • In a sitting or lying position
  • Towards or on the ground, floor, or bottom
  • Written or copied onto a piece of paper or book
  • noun
  • A period of play in American Football
  • The soft, smooth hairs that cover a bird's body
  • preposition
  • Along something's path, course, or direction
  • Going from a higher position to a lower position
  • verb
  • To eat or drink very quickly and without stopping

terrible

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US / ˈterəbl /

UK / ˈtɛrəbəl /

A2
  • adjecitve
  • Very bad; horrible

enough

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US / ɪˈnʌf /

UK / ɪˈnʌf /

A1
  • adjecitve
  • Sufficient to answer the need
  • adverb
  • To a satisfactory degree
  • pronoun
  • Equal to what is needed; as much as required
  • Adequate number or amount

case

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US / keɪs /

UK / kes /

A1
  • noun
  • Container used to carry things, e.g. clothes
  • Set of facts about a crime
  • Set of facts about an event
  • Example or instance of something
  • verb
  • To find out about a place, as in planning to steal

then

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US / ðen /

UK / ðɛn /

A1
  • adverb
  • A time that is not now
  • Following another thing in time or arrangement
  • Following on reasonably from what was just stated
  • At that time, not now

people

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US / 'pi:pl /

UK / ˈpipəl /

A1
  • noun
  • Persons sharing culture, country, background, etc.
  • Men, Women, Children

right

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US / raɪt /

UK / raɪt /

A1
  • adjecitve
  • Correct or true
  • The south side of you looking at the rising sun
  • adverb
  • Exactly in a place or time
  • Being appropriate for a particular event
  • In a straight or direct manner
  • noun
  • Something you are legally or morally allowed to do
  • Ideal of what is just and good
  • Political view based on conservatism
  • verb
  • To fix something previously wrong or unjust
  • To make upright, as a boat that has turned over

refuse

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US / rɪ'fju:z /

UK / ˈrefjus /

A2
  • noun
  • Garbage, waste
  • verb
  • To not accept, allow, or give something

offer

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US / 'ɒfə(r) /

UK / ˈɔfɚ, ˈɑfɚ /

A1
  • noun
  • Price you say you are willing to pay for something
  • Act of making a thing available to be accepted
  • verb
  • To suggest a price you are willing to pay
  • To give the opportunity to accept something
  • To say you are willing to do something
  • To give or say something as an act of worship

recommend

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US / ˌrekə'mend /

UK / ˌrɛkəˈmɛnd /

A2
  • verb
  • To advise or suggest that someone do something

growth

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US / grəʊθ /

UK / groʊθ /

A2
  • noun
  • Improvement, development in a skill over time
  • A mass on the skin or body part related to illness
  • Act of growing

properly

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US / ˈprɔpəlɪ /

UK / ˈprɑːpərli /

A2
  • adverb
  • In an appropriate or correct manner

waste

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US / weɪst /

UK / west /

A2
  • noun
  • Materials left over after a process has finished
  • verb
  • To kill or severely harm someone
  • To use valuable things ineffectively

six

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US / sɪks /

UK / sɪks /

A1
  • number
  • 6

low

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US / ləʊ /

UK / lo /

A1
  • adjecitve
  • Having a small quantity, supply, or amount
  • Being unhappy or unpleasant in attitude
  • Not high; being near the ground, or bottom
  • (Of a voice, sound) being soft; quiet
  • noun
  • Situation of not having a lot of something

plan

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US / plæn /

UK / plæn /

A1
  • noun
  • Drawing of how something should be done or made

away

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US / ə'weɪ /

UK / əˈwe /

A1
  • adjecitve
  • Not present
  • adverb
  • Disappear completely
  • Doing something with a lot of energy
  • Not here; far from here; in a different direction
  • To a different area, location

honest

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US / ˈɒnɪst /

UK / ˈɑnɪst /

A2
  • adjecitve
  • Good, truthful, sincere, or faithful; trustworthy

hear

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US / hɪə(r) /

UK / hɪr /

A1
  • verb
  • To be aware of sound; to perceive with the ear
  • To be told or find out information or facts
  • To consider or listen to a court case

swear

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US / sweə(r) /

UK / swɛr /

B1
  • verb
  • To say bad or impolite words to someone
  • To make a serious promise to do something

month

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US / mʌnθ /

UK / mʌnθ /

A1
  • noun
  • One of 12 28-31 day periods in the year

suffer

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US / 'sʌfə(r) /

UK / ˈsʌfɚ /

A2
  • verb
  • To experience pain, illness, or injury

increase

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US / ɪn'kri:s /

UK / ɪnˈkris /

A1
  • noun
  • Fact of increasing; amount something grows by
  • verb
  • To make or become larger in size or amount

enjoy

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US / ɪnˈdʒɔɪ /

UK / ɛnˈdʒɔɪ /

A1
  • verb
  • To take pleasure in something

clear

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US / klɪə(r) /

UK / klɪr /

A1
  • adjecitve
  • Empty; without anything in it or on it
  • Being certain and without doubt
  • Being without any streaks, spots, or cracks
  • Easy to understand; well-explained; obvious
  • adverb
  • Completely; entirely; through the whole of
  • Away from; free from
  • verb
  • To recover from or remove a problem
  • To get rid of the entire contents of
  • To give permission for something to happen
  • To make a place or surface empty by removing
  • To prove that someone is not guilty or to blame

raise

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US / reɪz /

UK / rez /

A1
  • noun
  • Increase in a bet above another when playing cards
  • Pay increase
  • verb
  • To increase a bet above another when playing cards
  • To gather donations for a cause or charity
  • To bring up and educate a child to maturity
  • To bring a dead person to life
  • To increase a quantity, size, intensity or price
  • To lift (e.g. your hand) to a higher position
  • To mention a topic /issue for discussion; bring up
  • To increase (salary, etc.)
  • To grow or care for plants or animals

manage

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US / ˈmænɪdʒ /

UK / ˈmænɪdʒ /

A1
  • verb
  • To survive hardships and difficulties; to cope
  • To run or operate a business by directing others

have

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US / həv /

UK / hæv /

A1
  • verb
  • To drink, smoke, eat or use something
  • To experience the effects of something
  • To organize an event, or join in an activity
  • To own, possess, or hold something
  • To cause to happen or produce a particular effect

know

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US / nəʊ /

UK / noʊ /

A1
  • verb
  • To be familiar with a person or place, thing
  • To feel sure or be convinced about something
  • To discover or be aware of something
  • To be able to distinguish
  • To have knowledge of things

transfer

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US / træns'fɜ:(r) /

UK / trænsˈfɚ /

A2
  • noun
  • Moving to a different place, job, or school
  • Act of giving the right to a property to another
  • Picture that is pressed to copy it onto something
  • Use of ideas or skills in a different situation
  • Ticket allowing you to get on another plane, bus
  • verb
  • To move to a different place, job or school
  • To give someone an illness through contact
  • To give someone your right to a property
  • To move something from one place to another
  • To use ideas or skills in a different situation
  • To get off a plane, bus etc. and get on another

full

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US / fʊl /

UK / fʊl /

A1
  • adjecitve
  • Containing all the parts; complete
  • Containing or holding as much as possible
  • Having had enough food
  • adverb
  • In a direct manner; completely

retire

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US / rɪ'taɪə(r) /

UK / rɪˈtaɪr /

A2
  • verb
  • To stop using, producing, or servicing something
  • To stop taking part in a competition or game
  • To quit having jobs because you are old
  • To move to a different area or room (formal)
  • To go to bed (formal)

before

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US / bɪˈfɔ:(r) /

UK / bɪˈfɔr,-ˈfor /

A1
  • adverb
  • At a time earlier than the present; previously
  • conjunction
  • In advance of something happening
  • preposition
  • In front of someone or something

expert

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US / 'ekspɜ:t /

UK / ˈɛkˌspɚt /

A2
  • adjecitve
  • Having special knowledge or skill
  • noun
  • Skillful person with special knowledge

adviser

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US / ədˈvaɪzə(r) /

UK / ædˈvaɪzɚ /

A2
  • noun
  • Someone giving advice in business, law etc.

ratio

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US / ˈreɪʃiəʊ /

UK / ˈreɪʃioʊ /

C2
  • noun
  • The relationship in relative size, etc.

with

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US / wɪð /

UK / wɪð, wɪθ /

A1
  • preposition
  • As an employee of a certain company
  • Against something or someone
  • By using something as a means
  • Due to; because of
  • Including
  • Possessing as a feature
  • Related to
  • (Of the manner/attitude by which you do something)
  • Used to express that people or things are together

fool

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US / fu:l /

UK / ful /

A2
  • noun
  • An idiot; someone who does something stupid
  • Person kept by royalty to entertain with jokes
  • verb
  • To trick someone; to deceive

extra

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US / 'ekstrə /

UK / 'ekstrə /

A2
  • adjecitve
  • More than necessary; additional
  • noun
  • Items more than you need; additional items
  • Person who has a small part in a movie
  • Special version of a newspaper

see

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US / si: /

UK / si /

A1
  • verb
  • To go on a date with someone
  • To predict whether something is, or will be true
  • To understand what someone says
  • To use your eyes to look at something
  • To visit a place often for sightseeing or pleasure
  • To visit or meet with someone
  • To find out by waiting or looking
  • To watch (a game, movie or TV show)

hundred

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US / 'hʌndrəd /

UK / ˈhʌndrɪd /

A1
  • number
  • 100

young

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US / jʌŋ /

UK / jʌŋ /

A1
  • adjecitve
  • At an early stage of existence; not mature
  • Being recently created or started
  • noun
  • Babies in a group or family of animals

next

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US / nekst /

UK / nɛkst /

A1
  • adverb
  • The one that follows another in time or order
  • At a time or place directly after the present one
  • noun
  • The one that follows after
  • adjecitve
  • Immediately after the previous one
  • First occurrence after the present one

percent

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US / pə'sent /

UK / pɚˈsɛnt /

A2
  • adverb
  • One one-hundredth of a whole; the symbol %

sixty

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US / 'sɪkstɪ /

UK / ˈsɪksti /

A1
  • number
  • 60

option

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US / 'ɒpʃn /

UK / ˈɑpʃən /

A2
  • noun
  • A choice
  • Right to buy or sell at a certain price and time

everything

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US / 'evrɪθɪŋ /

UK / ˈɛvriˌθɪŋ /

A1
  • pronoun
  • All of the things mentioned

honestly

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US / ˈɒnɪstli /

UK / ˈɑnɪstli /

A2
  • adverb
  • With truth or sincerity; I'm being honest with you

regardless

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US / rɪˈgɑ:dləs /

UK / rɪˈɡɑrdlɪs /

A2
  • adverb
  • Without being affected or concerned by something

bet

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US / bet /

UK / bet /

A2
  • noun
  • Act of gambling money on the result of a race etc.
  • verb
  • To gamble money to win more money, e.g. on horses

way

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US / weɪ /

UK / we /

A1
  • adverb
  • Used to emphasize the amount of something
  • noun
  • Particular aspect of something being thought about
  • One of various choices that could be made
  • Particular existing condition or state
  • (Often long) distance or length of time
  • How something is done
  • Route to go to a place
  • Small street
  • Usual behavior, emotions or habits of someone

very

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US / 'verɪ /

UK / ˈvɛri /

A1
  • adjecitve
  • Concerning a large degree or amount
  • adverb
  • A lot; much; many
  • Used to stress or emphasize a noun

fourth

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US / fɔ:θ /

UK / fɔ:rθ /

A1
  • noun
  • 4th

take

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US / teɪk /

UK / tek /

A1
  • noun
  • Filming of a single scene for TV or the movies
  • verb
  • To accept something that is offered
  • To use a method of traveling, e.g. a bus or train
  • To use a camera to make (a photo)
  • To pick up something and go away with it
  • To study a subject in school
  • To attempt to pass (an exam)
  • To require a certain amount of time, money, space

old

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US / əʊld /

UK / old /

A1
  • adjecitve
  • Having existed for a long time, not young or new
  • Age of a person since birth

work

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US / wɜ:k /

UK / wɚk /

A1
  • adjecitve
  • Activity completed in order to make money
  • noun
  • The product of some artistic or literary endeavor
  • Everything created by an author, artist, musician
  • Activity you do in order to make money
  • Place of employment
  • Final product or result of a some labor or effort
  • verb
  • To bring into a specific state of success
  • To be functioning properly, e.g. a car
  • To do your job in your company or workplace
  • To make an effort to do something
  • To operate a machine or device

cap

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US / kæp /

UK / kæp /

B1
  • noun
  • Covering for the end or top of something
  • Small, soft hat often with a front visor or shade
  • An upper limit on the amount of (e.g. budget)
  • verb
  • To cover the top or end of an object
  • To limit the amount of usage of something

thank

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US / θæŋk /

UK / θæŋk /

A1
  • verb
  • To tell someone you are grateful to them

risk

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US / rɪsk /

UK / rɪsk /

A1
  • noun
  • Actions that cause potential problems
  • verb
  • To do something potentially dangerous or foolish

quit

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US / kwɪt /

UK / kwɪt /

B1
  • other
  • To leave a school etc. without finishing
  • verb
  • To leave a job
  • To leave a place
  • To leave a school etc. without finishing
  • To end an action or activity

their

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US / ðɛː /

UK / ðer /

A1
  • determiner
  • Belonging to them

optimal

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US / ˈɒptɪməl /

UK / ˈɑptəməl /

B2
  • adjecitve
  • Best or most desirable; best possible

yolo

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US / ˈjəʊləʊ /

UK / ˈjoʊloʊ /

A1
  • abbreviation
  • You only live once (expressing the view that one should make the most of the present moment without

simple

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US / 'sɪmpl /

UK / ˈsɪmpəl /

A1
  • adjecitve
  • Not hard to understand or do; not complex
  • Having only a few parts; not complex
  • Being ordinary or normal
  • Being plain; without a lot added for style

else

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US / els /

UK / ɛls /

A1
  • adverb
  • Otherwise; if you fail to
  • (Of person place thing etc.) besides; in addition

return

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US / rɪ'tɜ:n /

UK / rɪ'tɜ:rn /

A1
  • adjecitve
  • Do again; repeated
  • noun
  • Faulty or unwanted product sent back to a company
  • Enter key; the main key on the computer keyboard
  • Profit made as a result of a business activity
  • Process of going back to a previous way or state
  • verb
  • To hit something back to the other player or team
  • To come back after being away from somewhere
  • To repay someone's actions, kindness etc.
  • To put, bring, take, give, or send something back
  • To occur again

show

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US / ʃəʊ /

UK / ʃo /

A1
  • noun
  • False display of love, emotion or action
  • An event for displaying or promoting goods
  • Play, opera or theater production
  • Presentation that is broadcast on TV or radio
  • verb
  • To be easily seen or displayed
  • To display your emotions or feelings
  • To let someone see something; display
  • To explain or teach how something is done
  • To lead someone somewhere; point them to something
  • To prove something to be true, correct
  • To reveal or allow something to be seen

account

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US / ə'kaʊnt /

UK / əˈkaʊnt /

A1
  • noun
  • An advantage
  • Arrangement with a bank to keep your money for you
  • An invoice for things bought
  • Arrangement whereby you can use online services
  • A description, often written, of events; report

top

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US / tɒp /

UK / tɑp /

A1
  • adjecitve
  • Being good or great; excellent
  • Being the most in degree or quality
  • noun
  • Item of clothing covering shoulders to waist, hips
  • A cover or lid
  • Part (e.g. road) that is the furthest away
  • Highest or upper part or point of something
  • Best or highest status or position
  • Flat upper surface or edge of an object
  • Child's toy that spins on its point
  • Upper section or leaves of fruits and vegetables
  • Winning in a sport or contest
  • verb
  • To be higher or larger than a specific value
  • To arrive at the highest point of something
  • To put a cover or layer or over something
  • To kill; murder
  • To hold the highest position on a list
  • To be more important, successful or better than
  • To beat someone or win at a game

pay

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US / peɪ /

UK / pe /

A1
  • noun
  • Money you receive from your job, work, etc.
  • verb
  • To give money for goods or work done
  • To give (attention, respect, etc.) to
  • To be punished or suffer for something you did
  • To make (a visit) to a person or place

personally

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US / ˈpɜ:sənəli /

UK / ˈpəsənəli /

A2
  • adverb
  • By a specific person, and not by anyone else
  • Knowing someone as a friend, or closely

gen

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US / dʒen /

UK / dʒen /

B2
  • noun
  • (UK old-fashioned, informal) Information about a particular subject

possible

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US / ˈpɒsəbl /

UK / ˈpɑsəbəl /

A1
  • adjecitve
  • Being able or appropriate for a task or purpose
  • Having a chance of happening, or being true

wealth

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US / welθ /

UK / wɛlθ /

A2
  • noun
  • Amount of money or possessions you own, e.g. large
  • Great quantity, amount, or number of something

nice

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US / naɪs /

UK / naɪs /

A1
  • adjecitve
  • Being attractive or of high quality or value
  • Good or enjoyable
  • Being kind or friendly

asset

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US / 'æset /

UK / ˈæsˌɛt /

A2
  • noun
  • Thing that has value to you

common

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US / 'kɒmən /

UK / ˈkɑmən /

A1
  • adjecitve
  • Shared; Belonging to or used by everyone
  • Typical, normal; not unusual
  • noun
  • Area in a city or town that is open to everyone
  • Field near a village owned by the local community

contribution

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US / ˌkɒntrɪˈbju:ʃn /

UK / ˌkɑ:ntrɪˈbju:ʃn /

A2
  • noun
  • Helping a cause by giving money, things, services
  • Article published in magazine or newspaper
  • Regular payments to the government for a pension

bright

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US / braɪt /

UK / braɪt /

A2
  • adjecitve
  • Cheerful and happy (manner)
  • (Of color) light and easy to see; vivid
  • Producing a lot of light
  • Smart; intelligent; clever

yes

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US / jes /

UK / jɛs /

A1
  • adverb
  • Way to say you agree or will do something

exaggerate

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US / ɪgˈzædʒəreɪt /

UK / ɪgˈzædʒəreɪt /

B1
  • verb
  • To makes things seem more extreme than reality

error

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US / ˈerə(r) /

UK / ˈɛrɚ /

A2
  • noun
  • Something that is not correct; a mistake

all

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US / ɔ:l /

UK / ɔl /

A1
  • adverb
  • Completely; totally
  • determiner
  • Being every one of something
  • pronoun
  • 100% of something; the complete amount

reckless

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US / 'rekləs /

UK / ˈrɛklɪs /

B2
  • adjecitve
  • Being dangerous and not caring about the results

they

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US / ðeɪ /

UK / ðe /

A1
  • pronoun
  • Two or more people, animals, or things

dollar

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US / ˈdɒlə(r) /

UK / ˈdɑ:lə(r) /

A1
  • noun
  • A basic unit of money equal to 100 cent

change

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US / tʃeɪndʒ /

UK / tʃendʒ /

A1
  • noun
  • Exchange of one set of clothes for another
  • Money in the form of coins instead of paper
  • Money returned after giving too much
  • Act of making or becoming something else
  • verb
  • To exchange one set of clothes for another
  • To exchange one kind of money for another
  • To replace something with another thing
  • To make or become something else
  • To go from one train, bus, etc. and go to another

approach

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US / ə'prəʊtʃ /

UK / əˈprəʊtʃ /

A2
  • noun
  • Means of reaching a place, often a road or path
  • Request of someone with a specific goal in mind
  • Specific way to handle a project, task, problem
  • verb
  • To get close to reaching something or somewhere
  • To request someone to do something specific

awesome

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US / 'ɔ:səm /

UK / ˈɔsəm /

B2
  • adjecitve
  • Great; wonderful; stupendous

situation

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US / ˌsɪtʃuˈeɪʃn /

UK / ˌsɪtʃuˈeʃən /

A1
  • noun
  • Place, position or area that something is in
  • Circumstance or condition surrounding an event
  • An unexpected problem or difficulty

start

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US / stɑ:t /

UK / stɑrt /

A1
  • noun
  • First time or place that a thing exists; beginning
  • First opportunity to achieve something, e.g. a job
  • Sudden action or movement because you are scared
  • other
  • Beginning of something in place or time
  • verb
  • To do, be or happen for the first time; begin
  • To turn something on

individual

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US / ˌɪndɪˈvɪdʒuəl /

UK / ˌɪndəˈvɪdʒuəl /

A2
  • adjecitve
  • Made for use by one single person
  • Having a distinct manner different from others
  • noun
  • Single person, looked at separately from others

clarification

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US / ˌklærəfɪ'keɪʃn /

UK / ˌklærəfəˈkeʃən /

B1
  • noun
  • Act or process of making a liquid clear
  • Act of explaining to make it easier to understand

standard

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US / 'stændəd /

UK / ˈstændəd /

A2
  • adjecitve
  • Being the accepted normal level of quality
  • (Of a language) being the most accepted in a place
  • noun
  • Official unit of measuring something
  • Principle of behaving in a moral way

talk

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US / tɔ:k /

UK / tɔk /

A1
  • noun
  • Style of speaking
  • Discussion between two countries
  • Giving information in front of people; lecture
  • Saying things or ideas to someone with words
  • verb
  • To make a formal speech about something
  • To say things or ideas to someone with words

well

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US / wel /

UK / wɛl /

A1
  • adjecitve
  • Being in a fortunate, good condition or state
  • Healthy and in good condition
  • adverb
  • In an acceptable, proper, or successful manner
  • In a complete, total, or full manner
  • A great and considerable degree
  • In a successful way, in a good or satisfactory way
  • exclamation
  • Used to begin or continue a particular statement
  • Used to show you want to start saying something
  • Used to express that you are waiting for a reply
  • You say this to change the topic of a conversation
  • Used to indicate you are making a final remark
  • noun
  • Long deep hole in the ground to get water
  • verb
  • To cause your eyes to fill with tears

consequence

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US / ˈkɔnsikwəns /

UK / ˈkɑnsɪˌkwɛns,-kwəns /

A2
  • noun
  • Importance of a person or thing
  • Outcome of an event; result

special

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US / 'speʃl /

UK / ˈspɛʃəl /

A1
  • adjecitve
  • Being additional or extra
  • Different, better or greater than normal
  • noun
  • Heavily discounted sales item

objective

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US / əbˈdʒektɪv /

UK / əbˈdʒɛktɪv /

A2
  • adjecitve
  • Being real, rather than simply being an idea
  • noun
  • Something you decide you want to do; goal

luxury

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US / ˈlʌkʃəri /

UK / ˈlʌɡʒəri, ˈlʌkʃə- /

A2
  • noun
  • Something expensive bought for pleasure
  • Something that gives great comfort and pleasure
  • Something useful, helpful but not always available

yourself

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US / jɔ:ˈself /

UK / jʊrˈsɛlf, jɔr-, jor-, jə- /

A1
  • pronoun
  • Reflexive form of 'you', used for an emphasis

amount

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US / ə'maʊnt /

UK / əˈmaʊnt /

A1
  • noun
  • Quantity of something
  • verb
  • To add up to a certain figure

highly

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US / ˈhaɪli /

UK / 'haɪlɪ /

A1
  • adverb
  • In a manner that shows approval
  • More than usual; to a great degree

summarize

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US / ˈsʌməraɪz /

UK / ˈsʌməˌraɪz /

A2
  • verb
  • To state the main or most important ideas

commodity

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US / kə'mɒdətɪ /

UK / kəˈmɑdɪti /

B1
  • noun
  • Something useful or valuable, usually for sale

job

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US / dʒɒb /

UK / dʒɑ:b /

A1
  • noun
  • Something that must be done
  • Regular work at which you earn money

limit

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US / 'lɪmɪt /

UK / ˈlɪmɪt /

A2
  • noun
  • Point beyond which it is not possible to go
  • verb
  • To stop or prevent an increase past a point

career

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US / kə'rɪə(r) /

UK / kəˈrɪr /

A2
  • noun
  • Particular occupation in professional life
  • verb
  • To move forward very fast and without control

within

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US / wɪˈðɪn /

UK / wɪðˈɪn, wɪθ- /

A1
  • adverb
  • Inside the limits of an area, time or range
  • preposition
  • From the inside of something

line

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US / laɪn /

UK / laɪn /

A1
  • noun
  • Border that divides two places or regions
  • Long crease in the skin, often from age
  • Mark that is long, straight and very thin
  • Row of words, letters or numbers that are written
  • Telephone connection
  • People waiting one behind the other; queue
  • Long thin wire, e.g. for electrical signal
  • verb
  • To put material along the inside of something

financial

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US / faɪˈnænʃl /

UK / faɪˈnænʃ(ə)l /

A2
  • adjecitve
  • Involving money

why

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US / waɪ /

UK / hwaɪ, waɪ /

A1
  • adverb
  • Question word to ask for a reason
  • exclamation
  • (Used to express surprise or approval)

much

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US / mʌtʃ /

UK / mʌtʃ /

A1
  • adjecitve
  • Very; to a high level or degree
  • adverb
  • A lot; large amount; a high degree of
  • Nearly; basically
  • On many occasions; often
  • noun
  • A large amount; a great quantity

roth

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US / rəʊt /

UK / rot /

A1

setback

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US / 'setbæk /

UK / ˈsɛtˌbæk /

C1
  • noun
  • Unfortunate happening that hinders or frustrates

opinion

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US / əˈpɪnjən /

UK / əˈpɪnjən /

A2
  • noun
  • Court judge's statement why a decision was made
  • A person's thoughts on a topic

reminder

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US / rɪˈmaɪndə(r) /

UK / rɪˈmaɪndər /

A2
  • noun
  • Something that causes one to remember something

for

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US / fə(r) /

UK / fɔr,fə /

A1
  • preposition
  • Used to show the purpose, or need of something

depend

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US / dɪˈpend /

UK / dɪˈpend /

B1
  • verb
  • Be controlled or determined by (someone/something)

compound

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US / 'kɒmpaʊnd /

UK / kɑmˈpaUnd /

B1
  • adjecitve
  • (Of a term) created by combining two or more words
  • noun
  • Series of buildings that are walled or fenced off
  • Chemical made up of several others
  • Closed walled area, as in a prison
  • Something formed by combining elements/parts
  • Term created by using two or more words together
  • verb
  • To pay interest on a loan including the interest
  • To make something from various parts or components
  • To make a mistake or problem worse

question

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US / 'kwestʃən /

UK / ˈkwɛstʃən /

A1
  • noun
  • Issue or problems you are dealing with
  • What you ask about; issue
  • verb
  • To ask for or try to get information
  • To have or express concerns or uncertainty

just

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US / dʒʌst /

UK / dʒʌst /

A1
  • adjecitve
  • Proper or appropriate; as is deserved
  • Doing or being what is right or fair
  • Legally correct; having enough evidence
  • adverb
  • Almost; nearly
  • Exactly at the time of
  • Exactly (the same as, like)

eight

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US / eɪt /

UK / et /

A1
  • number
  • 8

ask

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US / ɑ:sk /

UK / æsk /

A1
  • verb
  • To say to someone that you want something

grow

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US / ɡrəʊ /

UK / ɡro /

A1
  • verb
  • To get bigger and more mature; make plants do this
  • To improve; to develop better skills over time
  • To develop and become bigger or taller over time

difference

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US / 'dɪfrəns /

UK / ˈdɪfərəns, ˈdɪfrəns /

A1
  • noun
  • A thing or issue that people do not agree about
  • Not of the same kind; unlike other things

time

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US / taɪm /

UK / taɪm /

A1
  • noun
  • Speed at which music is played; tempo
  • Point as shown on a clock, e.g. 3 p.m
  • Number of hours, minutes needed to do something
  • Occasion when something happens
  • Period or occasion that something occurred
  • Period in history or the past
  • Something measured in minutes, hours, days, etc.
  • How long an event takes; duration
  • verb
  • To check speed at which music is performed
  • To choose a specific moment to do something
  • To measure how long an event takes, e.g. a race
  • To schedule something to occur at a specific moment

charge

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US / tʃɑ:dʒ /

UK / tʃɑrdʒ /

A2
  • noun
  • An attack by running quickly toward someone
  • A price for a service or goods
  • When a battery has a certain amount of electricity
  • Amount of money you pay for a service
  • verb
  • To run quickly toward someone to attack them
  • To ask for money as a price for a service or goods
  • To put electricity in a battery
  • To give responsibility to take care of or manage
  • To state that someone has committed a crime

graph

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US / græf /

UK / ɡræf /

A2
  • noun
  • Image expressing numerical data in lines or shapes
  • verb
  • To show data using images

math

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US / mæθ /

UK / mæθ /

A2
  • noun
  • Study or science of numbers and shapes

success

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US / sək'ses /

UK / səkˈsɛs /

A2
  • noun
  • Achievement of a desired purpose or goal
  • A successful person; one who achieved their aims

happy

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US / ˈhæpi /

UK / ˈhæpi /

A1
  • adjecitve
  • Feeling pleasure or joy; glad

big

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US / bɪɡ /

UK / bɪɡ /

A1
  • adjecitve
  • Popular
  • Serious
  • Large

less

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US / les /

UK / lɛs /

A1
  • adjecitve
  • Smaller in amount or degree
  • adverb
  • To a smaller degree
  • noun
  • A smaller amount
  • preposition
  • With the subtraction of

term

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US / tɜ:m /

UK / tɚm /

A1
  • noun
  • Conditions applying to an agreement, contract
  • Length of time something is expected to happen
  • Fixed period of weeks for learning at school
  • The (precise) name given to something
  • verb
  • To call; give a name to

three

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US / θri: /

UK / θri /

A1
  • number
  • Number 3

you

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US / jʊ /

UK / ju /

A1
  • pronoun
  • Person someone is speaking or writing to
  • Person or people in general

might

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US / maɪt /

UK / maɪt /

A1
  • other
  • Used to politely request an action
  • Used to express that something could happen
  • Power, strength, force or influence

maximize

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US / ˈmæksɪmaɪz /

UK / ˈmæksəˌmaɪz /

B1
  • verb
  • To make as large or great as possible

budget

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US / 'bʌdʒɪt /

UK / ˈbʌdʒɪt /

A2
  • adjecitve
  • Low cost; inexpensive
  • noun
  • Amount of money planned to be spent
  • verb
  • To make a plan for how to spend your money

also

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US / 'ɔ:lsəʊ /

UK / ˈɔlso /

A1
  • adverb
  • In addition; too; in a similar way

other

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US / 'ʌðə(r) /

UK / ˈʌðər /

A1
  • adjecitve
  • A thing different from that mentioned
  • determiner
  • (Something) else; not the first (one)
  • pronoun
  • Being the one and only thing of that category

safely

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US / ˈseɪfli /

UK / ˈseflɪ /

A1
  • adverb
  • Out of danger

investment

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US / ɪnˈvestmənt /

UK / ɪnˈvɛstmənt /

A2
  • noun
  • Something purchased hoping its value will increase
  • Act of giving time, energy to see a future reward

foro

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US / ˌfɔ:nɪ'keɪʃn /

UK / ˌfɔrnɪˈkeʃən /

A1

the

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US / ðə /

UK / ðə /

A1
  • article
  • Used to refer to something already mentioned
  • Used to show there is only one of something
  • determiner
  • Used to describe all of a family

how

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US / haʊ /

UK / haʊ /

A1
  • adjecitve
  • To what degree? in what amount?
  • adverb
  • (Used to explain the way to do something)
  • exclamation
  • For what purpose or reason?
  • (Used to ask someone or something's condition)

five

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US / faɪv /

UK / faɪv /

A1
  • number
  • 5

this

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US / ðɪs /

UK / ðɪs /

A1
  • adjecitve
  • Used to indicate something already been discussed
  • Used to indicate something happening around now
  • adverb
  • An indication by a physical motion or gesture
  • A specific amount of
  • determiner
  • Person, thing, or idea near you
  • pronoun
  • Person, thing that has already been discussed

receive

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US / rɪ'si:v /

UK / rɪˈsiv /

A1
  • verb
  • To get something someone has given or sent to you
  • To allow someone to become a member (of a club)
  • To welcome someone as a guest into your home
  • To respond to (e.g. news) in a particular way

realistic

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US / ˌri:əˈlɪstɪk /

UK / ˌriəˈlɪstɪk /

A2
  • adjecitve
  • Looks or appears real; like things really are

answer

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US / 'ɑ:nsə(r) /

UK / ˈænsɚ /

A1
  • noun
  • Reply to a question someone asks
  • Solution to a problem or test question
  • verb
  • To reply to a question someone asks
  • To solve a test question or a problem

stress

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US / stres /

UK / strɛs /

A2
  • noun
  • Emphasis on part of a word or sentence
  • Pressure on something or someone
  • A state of mental tension, worry due to problems
  • verb
  • To emphasize one or more parts of a word, sentence
  • To put pressure on something or someone
  • To say your opinion strongly
  • To be in a state of mental tension due to problems

teach

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US / ti:tʃ /

UK / titʃ /

A1
  • verb
  • To help someone learn or do something

average

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US / 'ævərɪdʒ /

UK / ˈævərɪdʒ, ˈævrɪdʒ /

A2
  • adjecitve
  • Typical or normal; usual; ordinary
  • noun
  • Total of numbers divided by the number of items
  • verb
  • To add numbers then divide by the number of items

year

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US / jə: /

UK / jɪr /

A1
  • noun
  • Unit of time equal to 12 months or 365 or 366 days
  • Used to refer to the age of a person

let

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US / let /

UK / lɛt /

A1
  • verb
  • To allow someone to do something
  • Introducing a suggestion to do something together
  • To rent a house, etc. to others

free

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US / fri: /

UK / fri /

A1
  • adjecitve
  • Living, happening without being controlled
  • Costing no money
  • Not working; not busy
  • verb
  • To release (e.g. bird) from a cage or prison

wish

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US / wɪʃ /

UK / wɪʃ /

A1
  • noun
  • Expression of a hope for something in the future
  • verb
  • To want something to happen or to become true

may

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US / meɪ /

UK / me /

A1
  • noun
  • 5th month of the year
  • other
  • Used to express a desire
  • Expresses permission, possibility or probability
  • Used to show that a thing could be true

one

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US / wʌn /

UK / wʌn /

A1
  • pronoun
  • You; we; people in general; someone
  • The thing or person previously referred to
  • adjecitve
  • Used to refer to people generally
  • Being a strong example of (something mentioned)
  • number
  • Number 1

multiple

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US / ˈmʌltɪpl /

UK / ˈmʌltəpəl /

B1
  • adjecitve
  • Having or involving more than one of something
  • noun
  • Number produced by multiplying a smaller number
  • Shop with many branches

kind

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US / kaɪnd /

UK / kaɪnd /

A1
  • adjecitve
  • In a caring and helpful manner
  • friendly and considerate
  • noun
  • One type of thing

into

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US / 'ɪntə /

UK / ˈɪntu /

A1
  • preposition
  • Moving or going inside something
  • In the same direction as; in the direction of
  • So as to become; taking the state of

exponential

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US / ˌekspəˈnenʃl /

UK / ˌɛkspəˈnɛnʃəl /

C1
  • adjecitve
  • (Of an increase) at a faster and faster rate

root

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US / ru:t /

UK / rut, rʊt /

A2
  • noun
  • Emotional connection with a place, history etc.
  • The origin or starting place of something
  • A number that is multiplied by itself
  • Part of plant growing underground, as to get water
  • Part of tooth, hair etc. from which the rest grows
  • Base part of a word to which affixes can be added
  • verb
  • To cause a plant to develop or grow roots
  • (Animals) to search for e.g. food in earth
  • To stop someone moving, as through fear

make

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US / meɪk /

UK / mek /

A1
  • noun
  • Product made by a particular company; brand
  • verb
  • To arrange or prepare something e.g. dinner
  • To get to (a place) on time
  • To gain the status of (teacher, lawyer, etc.)
  • To create something by putting things together
  • To earn a certain amount of money at a job
  • To cause or force a person to do something
  • To cause something to happen or be formed

day

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US / deɪ /

UK / de /

A1
  • noun
  • A period of 24 hours beginning at midnight
  • The period of time when it is light outside
  • Person's name

bond

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US / bɒnd /

UK / bɑnd /

A2
  • noun
  • Rope, chain or other thing used to tie someone up
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switch

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US / swɪtʃ /

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A2
  • noun
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here

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listen

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  • verb
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domestic

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new

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support

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accumulate

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want

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become

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generally

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loan

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give

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seventy

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seven

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really

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would

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can

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  • Subtitles section
  • In today's video, I'm happy to teach you how to use a For One K properly to maximize your wealth and retire early.
  • Before we start, I want to warn you with two things.
  • The first thing is we're going to keep things simple in this video.
  • And the second thing is that I refuse to give you generic advice.
  • So this is your retirement money on the line.
  • I'm not going to give you some crap advice.
  • I'm going to give you the truth because I actually want to help you out.
  • Now, with that being said, I want to address these very important for one K questions that most people need clarification on.
  • When should you start your four or one K?
  • What is the optimal amounts to fund your four or one K each year?
  • What is the best way to invest your money within your four or one K?
  • What should you do with your For One K accounts when you change jobs?
  • What are the most common errors that will cost you a lot of your retirement money?
  • So let's start with this one.
  • When should you start?
  • I'm going to keep it real with you.
  • You know the answer.
  • I know that you know.
  • You should start as early as possible.
  • If you're in your thirties or your forties, you already know this.
  • Let me emphasize this to people in their twenties.
  • If you're in your thirties or beyond, please back me up in the comments.
  • Let's make this very clear to Gen Z. Now, let me show you the math.
  • And here are the variables.
  • The average Foro and K return is five percent to eight percent a year.
  • So let's work with seven percent.
  • And we're using the standard employer match.
  • So this is nothing special.
  • So let's say that you put a hundred dollars a month into your Foro and K.
  • If you start at the age of thirty five, when you become sixty five years old, you will have one hundred seventy thousand twenty nine dollars.
  • If you start at the age of thirty, when you become sixty five, you will have two hundred forty eight thousand eight hundred twenty six dollars.
  • Now, if you start at the age of twenty five, when you become sixty five years old, you will have three hundred and fifty nine thousand, three hundred and forty three dollars.
  • So as you can see from the graphs, the difference becomes exponential.
  • And that's because of compounding.
  • The earlier that you get started, the more time that you'll give your money to compound and to accumulate.
  • So you just witnessed the numbers.
  • The earlier that you get started, the better.
  • Next question.
  • How much should you put into your four one K each year?
  • I would say that you should fund up to at least the company match because this is free money.
  • So I want to explain this.
  • It is common that your employer offers you a match.
  • So for example, if you put one hundred dollars into your For a One K, then your company will put in an extra fifty dollars into your For a One K. So you can think of this as a perk to keep you happy.
  • So this example is a fifty percent match.
  • You put in one hundred dollars and they put in a matching fifty percent.
  • Some companies are generous.
  • They'll give you a one hundred percent match.
  • If that's the case, if you put in one hundred dollars, then your company will put in an additional one hundred dollars, which is awesome.
  • That's a great deal.
  • Some companies may be stingy and offer you only a twenty five percent match or they might not match at all.
  • Now, this is very important.
  • There is a limit on how much your company will match you.
  • So their generosity has limitations.
  • It is common for a company to limit the match to six percent of your pay.
  • So let me explain this.
  • So if you make a hundred thousand dollars, then six percent of your pay is six thousand dollars, right?
  • In this example, your company will match you up to six thousand dollars.
  • If you put in any additional money into your four one K past that point, past six thousand dollars, then your company will stop matching you for the year.
  • So in this example, the terms would be a fifty percent match on six percent of your pay.
  • So how much money should you put into your for one K each year?
  • At least up to the company match, because again, that is free money.
  • If your company offers you a fifty percent match, then that's like getting a fifty percent return on your investments immediately.
  • So take advantage of that offer.
  • Now, if you take full advantage of the company match and you still have additional money to put away for retirement, then here are your best options.
  • So number one, you can continue to fund your for a one K. There's nothing wrong with this option.
  • And this is if you have the luxury to do so with your budgets.
  • Option number two is to consider other retirement accounts.
  • So I personally really liked the Roth IRA for flexibility in investment options, as well as tax advantages.
  • Your option number three is to consider other tax advantaged accounts.
  • So we're talking about the HSA or a five twenty nine plan.
  • It depends on your situation.
  • So the standard guideline is that you should put away ten to fifteen percent of your pay for retirements or savings.
  • Now let's talk about how you should invest your money within your for one K.
  • So you will have the option to invest in stocks, bonds, commodities, conservative funds, aggressive funds, value funds, growth funds, domestic, international.
  • There's going to be so many to choose from, what do you do, right?
  • Now, I want to ask you, what is the typical advice that you'll receive about this?
  • All these advisors, they're gonna tell you that you should invest your money within your For a One K based on your financial objectives, your risk tolerance, your age, right?
  • In my opinion, that is stupid advice.
  • There's no need to complicate this.
  • Let's start with financial objectives.
  • What are these experts talking about?
  • The financial objective of your For a One K money is to grow it safely.
  • That's how I would summarize it.
  • So they're gonna ask, well, what's the financial objective?
  • Is it early retirements, better retirements, for your child's wedding, for a brighter future?
  • You know, what's the difference?
  • It all boils down to the same thing, growing your money.
  • That's the financial objective.
  • Again, let's keep it simple.
  • Let's not complicate this.
  • Now, how should you invest your money?
  • Well, it depends on your risk tolerance.
  • No, that's just stupid also.
  • Again, let's not complicate this.
  • Your risk tolerance for your retirement money should be low, regardless of your age.
  • So I don't know what kind of stupid question this is.
  • Your for one K money.
  • I bet again, this is for retirement.
  • You are depending on this money.
  • You don't mess around with this money.
  • Your risk tolerance should be low.
  • Now with that being said, you're going to want to diversify your money within your four Oh one K. So you're going to hear financial advisors saying that if you're younger, you want to allocate more of your money into aggressive funds and more towards stocks, right?
  • So listen there,
  • There's no need to get fancy.
  • Spread your money out, do some stocks, bonds, cash instruments, domestic, international, small caps, large caps, conservative, aggressive, just spread your money out and diversify.
  • And I would say this if you're in your twenties or if you're in your fifties.
  • Let's be realistic.
  • If you're in your twenties, are you supposed to YOLO all of your money in your retirement account to put everything into aggressive small cap stock funds?
  • No.
  • Well, at least I wouldn't do that.
  • Or if you're approaching retirement, are you supposed to put everything into bond funds and take the risk that something terrible happens in the bond market?
  • No.
  • Why would you be reckless with your retirement money?
  • Spread your money out, diversify.
  • It doesn't matter what your age is.
  • Just keep it simple.
  • Now, let's talk about what to do with your old For One K accounts.
  • About fifty million Americans quit their jobs each year.
  • When you do this, what should you do with your For One K accounts?
  • You're going to have four options.
  • Option number one is to do nothing.
  • You can leave it with your old employer.
  • Your option number two is to transfer your for one K money to your new employer.
  • Option number three is to transfer your four one K money to your individual retirement account, your IRA.
  • And your fourth option is to cash it out.
  • You know, you can have a great time with that money, but suffer the consequences of taxes and early withdrawal penalties.
  • So I would highly recommend that you do not choose option number four of option number one, two, and three, to be honest,
  • it's not going to make a big difference.
  • Do whatever is most convenient for you.
  • So it's not like, oh, there's a clear advantage to option number two.
  • You'd be a fool not to do option number two.
  • No, it's not like that.
  • If you've switched jobs multiple times and you've got four one K's all over the place with multiple employers, then yes, for your convenience,
  • You may want to consolidate them, but if it doesn't bother you, then honestly, it's no big deal.
  • Personally, I would transfer it to my new employer's for one K. That's just my preference because that way I can keep a better eye on my money.
  • But again, that's just me.
  • Now, let me tell you about the most common for one K errors.
  • So please don't do these and hurt yourself.
  • I am rooting for you.
  • So it pains me to see these things happen.
  • Please watch the fees.
  • I cannot stress this enough.
  • When you're investing your money in your for one key, choose the funds with lower expense ratios.
  • High fees, they're gonna leave you with significantly less money, I swear to you.
  • I'm not exaggerating.
  • Over the course of your career, we're talking about hundreds of thousands of dollars in fees.
  • So this is so important.
  • I wanna see you keep more of your money.
  • Now, please do not borrow money from your Foro One K. Your Foro One K may allow you to take a loan from it, but just because you can, doesn't mean that you should.
  • It's not ideal.
  • Borrowing money from your Four Oh One K is a setback because money that is borrowed is money that's not growing.
  • Now please, avoid early withdrawals.
  • Cashing out your Four Oh One K before your retirement age will trigger not just taxes, but penalties as well.
  • So the penalty is ten percent right off the top.
  • So if you take out ten thousand dollars, then one thousand dollars goes straight to penalty.
  • And then you have to pay taxes on the full ten thousand dollars.
  • Now, here's another common error.
  • It's not increasing your contributions over time.
  • So as you get pay raises over the years, you should increase the amount that you're putting into your four one K. So I know that this seems straightforward, but this is just a friendly reminder.
  • Now, I have to tell you about this one.
  • Hiring a financial advisor is a big waste of money, in my opinion, in most cases.
  • Many financial advisors will charge you a percentage of all your assets that they manage.
  • It's generally around two percent of your assets.
  • So if you hypothetically have a million dollars, they're going to charge you twenty thousand dollars a year to manage your money.
  • But honest question, what's there to manage when you're investing your money in mutual funds?
  • You know, not much.
  • So it seems like a ripoff to me.
  • Now, if you've enjoyed this video, please give this video a like.
  • I'd appreciate it very much.
  • And also share this with someone that you care about, because
  • You're going to be doing them a big favor, because this is your retirement money on the line.
  • And you want to make sure that you or someone else that you care about is optimizing their for one K for success.
  • Please subscribe.
  • Thank you so much for all the support.
  • And I wish you a very nice day.
  • Take care.