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An 8-minute guide to retiring rich

Video vocabulary

afford

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US / ə'fɔ:d /

UK / əˈfɔrd, əˈford /

A2
  • verb
  • To make available, to provide
  • To have enough money to pay for something

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

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

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

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

feel

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US / fi:l /

UK / fil /

A1
  • verb
  • To be aware of or experience an emotion, sensation
  • To sense through direct contact; touch

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  • No longer current or new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

too

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US / tu: /

UK / tu /

A1
  • adverb
  • In addition, also; with emphasis
  • Say that something is more than you want

union

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US / 'ju:nɪən /

UK / ˈjunjən /

A2
  • noun
  • Act of joining two or more things into one
  • Marriage
  • Organization of workers to look after their needs

debt

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US / det /

UK / dɛt /

A2
  • noun
  • Sum of money owed to someone that is not yet paid

either

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US / ˈaɪðə(r) /

UK / ˈiðɚ, ˈaɪðɚ /

A1
  • adjecitve
  • One of two (used when there is a choice of two)
  • adverb
  • (After negative statements) likewise, in addition
  • conjunction
  • Used as the first of two connected things
  • determiner
  • Used as the first of two connected things
  • pronoun
  • The one or the other

here

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US / hɪə(r) /

UK / hɪr /

A1
  • adverb
  • In this place; at this location, position or time

meaning

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US / ˈmi:nɪŋ /

UK / ˈminɪŋ /

A1
  • noun
  • Idea or thing represented by words or sentences
  • verb
  • To express a particular idea or thought
  • To intend to do something in particular
  • To have a particular intention or value

new

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US / nju: /

UK / nu, nju /

A1
  • adjecitve
  • Not old, recently born, built or made
  • Being or doing something for the first time
  • Not felt, seen or known previously
  • Having been recently bought or obtained

quick

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US / kwɪk /

UK / kwɪk /

A1
  • adjecitve
  • Using very little time; moving far in little time
  • Learning and understanding rapidly and easily

always

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US / 'ɔ:lweɪz /

UK / ˈɔlwez,-wɪz,-wiz /

A1
  • adverb
  • For a very long time
  • At all times; in every situation
  • For ever

after

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US / 'ɑ:ftə(r) /

UK / ˈæftɚ /

A1
  • adverb
  • Later than another time, or behind something
  • conjunction
  • Following something before
  • preposition
  • When an event happened or time has passed

broker

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US / 'brəʊkə(r) /

UK / ˈbrokɚ /

B1
  • noun
  • Person who acts to buy or sell shares in companies
  • verb
  • To negotiate a business deal

already

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US / ɔ:lˈredi /

UK / ɔlˈrɛdi /

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

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

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

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

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

originate

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US / ə'rɪdʒɪneɪt /

UK / əˈrɪdʒəˌnet /

A2
  • verb
  • To first come into existence
  • To create or start something

should

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US / ʃʊd /

UK / ʃʊd /

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

utilize

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US / ˈju:təlaɪz /

UK / ˈjutlˌaɪz /

B1
  • verb
  • To use something for a particular purpose

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

million

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US / ˈmɪljən /

UK / ˈmɪljən /

A1
  • number
  • 1,000,000

once

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US / wʌns /

UK / wʌns /

A1
  • adverb
  • One time; one instance
  • At a time in the past
  • conjunction
  • When; as soon as

wait

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US / weɪt /

UK / wet /

A1
  • verb
  • To delay or not do something until later
  • To spend time until an expected thing happens
  • To remain in a place until a thing happens

also

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US / 'ɔ:lsəʊ /

UK / ˈɔlso /

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

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)

live

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US / lɪv /

UK / liv /

A1
  • adjecitve
  • Being broadcast as events happen, not recorded
  • Carrying electric current; able to give a shock
  • Glowing because burning; hot
  • Not yet killed (for food)
  • adverb
  • (Music, drama) as it is performed
  • verb
  • To be alive
  • To experience a particular type of life
  • To make your home in a house or town

therefore

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US / ˈðeəfɔ:(r) /

UK / ˈðerfɔ:(r) /

A1
  • adverb
  • And so; for that reason

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

you

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US / jʊ /

UK / ju /

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

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

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

little

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US / 'lɪtl /

UK / ˈlɪtl /

A1
  • adjecitve
  • Being short in length of time
  • Not great in size, amount, or degree; small
  • Being very young or younger than others
  • adverb
  • By an amount or degree that is not very much
  • Not often; rarely
  • noun
  • A person's name

millennial

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US / mɪ'lenɪəl /

UK / mɪ'lenɪrl /

B2
  • adjecitve
  • Concerning a millennium (a thousand years)

person

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US / 'pɜ:sn /

UK / 'pɜ:rsn /

A1
  • noun
  • Man, woman or child

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

entire

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US / ɪn'taɪə(r) /

UK / ɛnˈtaɪr /

A2
  • adjecitve
  • Complete or full; with no part left out; whole

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

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

open

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US / 'əʊpən /

UK / ˈopən /

A1
  • adjecitve
  • Available for use; accessible
  • Not being hidden; available for others to see
  • Being available for customers to enter or use
  • Allowing everyone to use or take part in
  • Not secret anymore
  • Not closed or shut
  • Willing to accept new ideas and thoughts
  • noun
  • Name for a tennis or golf competition
  • verb
  • To make accessible or able to be used, e.g. road
  • To start the activities or services of a business
  • To make a space or hole appear in something
  • To move or change so that it is no longer closed
  • To start something, e.g. a new business

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

than

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US / ðən /

UK / ðən /

A1
  • conjunction
  • Used to compare two things that are not equal

versus

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US / ˈvə:səs /

UK / ˈvɚsəs, -səz /

A2
  • preposition
  • Used to show that two things are competing

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

paycheck

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US / 'peɪtʃek /

UK / ˈpeˌtʃɛk /

A1
  • noun
  • Check issued in payment of wages or salary

school

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US / sku:l /

UK / skul /

A1
  • adjecitve
  • Being to do with schools and education
  • noun
  • Large group of fish that swim together
  • Education of a child
  • Building where you learn in classes with a teacher
  • A particular belief or idea about something
  • verb
  • To teach or train someone to know or do something

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

word

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US / wɜ:d /

UK / wɚd /

A1
  • noun
  • Unit of language that has a meaning
  • Promise
  • Short remark or piece of information
  • verb
  • To express something by choosing particular words

half

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US / hɑ:f /

UK / hæf, hɑf /

A1
  • adjecitve
  • Not complete
  • adverb
  • Partly; somewhat
  • noun
  • One of two equal periods of game time in a sport
  • The part you get when one is divided into two;

teach

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US / ti:tʃ /

UK / titʃ /

A1
  • verb
  • To help someone learn or do something

advance

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US / əd'vɑ:ns /

UK / ædˈvæns /

A2
  • noun
  • Forward movement by an army
  • An attempt to seduce someone
  • verb
  • (Of an army) to move forward
  • To change or improve
  • To increase in price or value
  • To move forward in a certain direction
  • To try to seduce someone

able

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US / 'eɪbl /

UK / ˈebəl /

A2
  • adjecitve
  • Skilled; good at something
  • Having the ability to do something

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

bismarck

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US / ˈbizmɑ:k /

UK / ˈbɪzˌmɑrk /

A1
  • proper noun
  • The capital of North Dakota, in the south central part of the state, on the Missouri River; populati

although

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US / ɔ:lˈðəu /

UK / ɔlˈðo /

A1
  • conjunction
  • Despite the fact that; however

valuable

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US / ˈvæljuəbl /

UK / ˈvæljuəbəl, ˈvæljə- /

B1
  • adjecitve
  • Being useful or important
  • Being worth a lot of money

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

bank

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US / bæŋk /

UK / bæŋk /

A1
  • noun
  • A financial institution that keeps or lends money
  • The side of a river
  • A row of things in lines (e.g. computers)
  • verb
  • To put or keep your money in a bank
  • To turn a plane when flying; (of a plane) to turn

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

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

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

counterpart

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US / ˈkaʊntəpɑ:t /

UK / ˈkaʊntərpɑ:rt /

B2
  • noun
  • Person/thing having same function/characteristics

hopefully

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US / ˈhəʊpfəli /

UK / ˈhopfəli /

A2
  • adverb
  • In a manner wishing something to happen

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

money

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US / 'mʌnɪ /

UK / ˈmʌni /

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

propose

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US / prə'pəʊz /

UK / prəˈpoz /

A2
  • verb
  • To make an offer of marriage
  • To offer or put forward an idea for consideration

until

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US / ənˈtɪl /

UK / ʌnˈtɪl /

A1
  • conjunction
  • Up to; to a time when something happens
  • preposition
  • Before (a specific time)

trajectory

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US / trə'dʒektərɪ /

UK / trəˈdʒɛktəri /

B2
  • noun
  • The path followed by a flying object

any

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US / 'enɪ /

UK / ˈɛni /

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

chancellor

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US / 'tʃɑ:nsələ(r) /

UK / ˈtʃænsəlɚ, -slɚ /

B2
  • noun
  • High government official

come

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US / kʌm /

UK / kʌm /

A1
  • verb
  • To arrive at a place
  • (Of mail) to be delivered
  • To move toward someone; go with someone
  • To reach a certain point or state

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

german

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US / ˈdʒɜːmən /

UK / ˈdʒɜːrmən /

A1
  • adjecitve
  • Concerning the culture and people of Germany
  • noun
  • Person from Germany

game

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US / ɡeɪm /

UK / ɡem /

A1
  • noun
  • Activity with rules that people play to have fun
  • Birds and animals people hunt to kill and eat
  • Match between two teams

taxation

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US / tækˈseɪʃn /

UK / tækˈseʃən /

A2
  • noun
  • System of charging and collecting taxes

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

blackrock

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US / ˈblæˌkrɑk /

UK / /

A1

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

magic

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US / 'mædʒɪk /

UK / ˈmædʒɪk /

A2
  • adjecitve
  • Concerning or involving tricks for entertainment
  • Being able to produce good results or success
  • noun
  • Attractive, appealing, and exciting quality
  • Performance of tricks for entertainment
  • Special ability or skill that causes success
  • Use of the supernatural to make things happen

most

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US / məʊst /

UK / most /

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

permanently

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US / 'pɜ:mənəntlɪ /

UK / ˈpəmənəntlɪ /

B1
  • adverb
  • For a long time; always

rest

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US / rest /

UK / rɛst /

A1
  • noun
  • Time when one relaxes, sleeps, or is inactive
  • State in which there is a lack of motion
  • Part of something remaining after some was used
  • verb
  • To stop working or avoid activity to recover
  • (Of dead person) to lie in a grave
  • To lean, support or place something against
  • To not be tired because you had enough sleep

reduction

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US / rɪ'dʌkʃn /

UK / rɪˈdʌkʃən /

B1
  • noun
  • Act of making something smaller
  • Amount that a price is decreased by

college

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US / 'kɒlɪdʒ /

UK / 'kɑːlɪdʒ /

A2
  • noun
  • School or educational institution for adults

prepare

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US / prɪˈpeə(r) /

UK / prɪˈper /

A1
  • verb
  • To make something ready for use

call

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US / kɔ:l /

UK / kɔl /

A1
  • noun
  • A order or request for action
  • The sound an animal makes, often when in danger
  • A correct prediction, e.g. a decision in a game
  • A short visit to a place or person
  • A decision by a referee or umpire in a game
  • verb
  • To make a request or order for action
  • (Animal) to make sounds to warn of danger
  • To announce the date of an election
  • To make a judgment about something
  • To give someone or something a name
  • To guess in advance the result or outcome
  • To visit a place or person for a short time
  • To phone someone
  • To speak, announce or shout in a loud voice

double

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US / 'dʌbl /

UK / ˈdʌbəl /

A2
  • adjecitve
  • Concerning or intended for use by two people
  • Two times the amount or degree; twice
  • Made of two parts that are the same, similar
  • noun
  • Person that is exactly like someone else
  • verb
  • To be used for two functions at the same time
  • To make or become twice as much

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

far

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US / fɑ:(r) /

UK / fɑr /

A1
  • adjecitve
  • A long way away
  • Being a long way away
  • adverb
  • To a large degree or extent

where

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US / hwɛə /

UK / hwɛr, wɛr /

A1
  • conjunction
  • At or in the place which
  • In whatever place
  • pronoun
  • Word you use to ask the location of something

rather

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US / 'rɑ:ðə(r) /

UK / ˈræðɚ, ˈrɑðɚ /

A1
  • adverb
  • Somewhat; fairly; not that much

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

concept

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US / 'kɒnsept /

UK / ˈkɑnˌsɛpt /

A2
  • noun
  • Abstract idea of something or how it works

from

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US / frəm /

UK / frʌm, frɑm,frəm /

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

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

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

resource

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US / riˈsɔ:s /

UK / ˈriˌsɔrs, -ˌsors, -ˌzɔrs, -ˌzors, rɪˈsɔrs, -ˈsors, /

A2
  • noun
  • Something that can be used profitably; asset
  • An essential supply of something
  • Resourcefulness; ability to deal with problems
  • verb
  • To obtain (e.g. oil, gas) from its source

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

shore

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US / ʃɔ:(r) /

UK / ʃɔr, ʃor /

B1
  • noun
  • Land along the edge of a sea, lake or river

barbara

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US / ˈbɑːb(ə)rə /

UK / ˈbɑrbərə /

A1

finance

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US / ˈfaɪnæns /

UK / fəˈnæns, faɪ-, ˈfaɪˌnæns /

A2
  • adjecitve
  • Concerned with money
  • noun
  • Control of money a person, business has access to
  • verb
  • To support someone or something financially

join

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US / dʒɔɪn /

UK / dʒɔɪn /

A1
  • verb
  • To bring something close to another, to become one
  • To become a member of
  • To participate in an activity with others

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

two

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US / tu: /

UK / tu /

A1
  • number
  • 2

boomer

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US / 'bu:mə(r) /

UK / 'bu:mər /

C1
  • noun
  • Member of the baby boom generation in the 1950s

government

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US / ˈgʌvənmənt /

UK / ˈɡʌvənmənt /

A1
  • noun
  • Group of people and system that rule a nation

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)

social

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US / ˈsəuʃəl /

UK / ˈsoʃəl /

A1
  • adjecitve
  • Involving activity with people, e.g. in free time
  • Liking being with other people; friendly
  • Living together and depending on each other

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

bliss

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US / blɪs /

UK / blɪs /

B2
  • noun
  • Great joy or happiness

challenge

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US / 'tʃælɪndʒ /

UK / ˈtʃæləndʒ /

A2
  • noun
  • An activity you wish to try that may be hard to do
  • Act of formally inviting someone to compete
  • A question to determine correctness of something
  • verb
  • To formally invite someone to compete at something
  • To question the correctness of something

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

history

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US / 'hɪstrɪ /

UK / ˈhɪstəri /

A2
  • noun
  • Established pattern or record
  • Study of past events as an academic subject

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

decade

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US / ˈdekeɪd /

UK / ˈdɛkˌed, dɛˈked /

B1
  • noun
  • Period of 10 years

pure

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US / pjʊə(r) /

UK / pjʊr /

A2
  • adjecitve
  • Not mixed with anything else
  • Being morally good

behind

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US / bɪˈhaɪnd /

UK / bɪˈhaɪnd /

A1
  • adjecitve
  • Concerning a later or slower time than expected
  • Being in a losing position in a sporting event
  • Being in the past; old fashioned
  • adverb
  • Remaining
  • noun
  • The part of the body that one sits on
  • preposition
  • At or toward the back of someone or something
  • Supporting or helping someone

could

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US / kəd /

UK / kʊd /

A1
  • other
  • Past form of 'can' to mean have ability
  • Used to ask for something politely, or to offer

elderly

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US / ˈeldəli /

UK / ˈeldərli /

A2
  • adjecitve
  • Being very old

enjoy

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US / ɪnˈdʒɔɪ /

UK / ɛnˈdʒɔɪ /

A1
  • verb
  • To take pleasure in something

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

almost

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US / 'ɔ:lməʊst /

UK / ˈɔlˌmost, ɔlˈmost /

A1
  • adverb
  • Only a little less than, nearly, not quite

century

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US / 'sentʃərɪ /

UK / ˈsɛntʃəri /

A1
  • noun
  • Period of 100 years

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

plan

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US / plæn /

UK / plæn /

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

part

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US / pɑ:t /

UK / pɑ:rt /

A1
  • adjecitve
  • To some degree; half; not fully
  • noun
  • Division of a book
  • Ratio of something, e.g. 3 of gin, 1 of tonic
  • A line in a person's hair, made with a comb
  • Character an actor plays on stage, movie, or TV
  • Some, but not all of a specific thing
  • Role in causing something to happen
  • verb
  • To make a line in a person's hair, by using a comb
  • To move two things apart creating a space
  • To leave someone, or to break off a relationship

accord

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US / ə'kɔ:d /

UK / əˈkɔ:rd /

B1
  • noun
  • Agreement or harmony
  • An agreement or treaty between countries
  • verb
  • To be in harmony or agreement; consent
  • To give (someone) the respect due to them

active

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US / ˈæktɪv /

UK / ˈæktɪv /

A1
  • adjecitve
  • Moving around a lot or doing many things

attar

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US / ˈætə(r) /

UK / ˈætər /

A1
  • noun
  • Essential oil or perfume obtained from flowers

choice

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US / tʃɔɪs /

UK / tʃɔɪs /

A1
  • adjecitve
  • Of good quality or taste; desirable
  • noun
  • Decision between two or more possibilities

magically

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US / 'mædʒɪklɪ /

UK / 'mædʒɪklɪ /

B1
  • adverb
  • In a manner that uses or involves magic

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)

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

month

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US / mʌnθ /

UK / mʌnθ /

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

world

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US / wɜ:ld /

UK / wɜrld /

A1
  • noun
  • All the humans, events, activities on the earth
  • Political division due to some kind of similarity

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

hand

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US / hænd /

UK / hænd /

A1
  • noun
  • Cards given to a player in a card game
  • Piece of a clock that points to the time
  • Someone who performs physical tasks or work
  • Body part at the end of a person's arm
  • Help for someone performing a particular action
  • Condition of having power or influence
  • Member of the crew of a ship
  • verb
  • To give something to someone personally

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

diy

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US / ˌdiː aɪ ˈwaɪ /

UK / ˌdiː aɪ ˈwaɪ /

A1
  • abbreviation
  • An acronym for Do it Yourself

interest

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US / 'ɪntrəst /

UK / ˈɪntrɪst, -tərɪst, -ˌtrɛst /

A1
  • noun
  • Best or most advantageous thing for someone
  • Activity or subject one enjoys doing or learning
  • Fee for borrowing money
  • verb
  • To make someone want to know about something
  • To persuade to do, become involved with something

lifestyle

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US / ˈlaɪfstaɪl /

UK / ˈlaɪfˌstaɪl /

B1
  • noun
  • The type of life that you have; the way you live

fall

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US / fɔ:l /

UK / fɔl /

A1
  • noun
  • Season after summer and before winter; Autumn
  • A drop in amount; decrease
  • Dropping from a standing position to the ground
  • verb
  • To drop in amount; to decrease
  • To come down from a higher position suddenly
  • To go from standing to the ground, by accident

own

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US / əʊn /

UK / on /

A1
  • adjecitve
  • Belong to oneself
  • determiner
  • Yours, his, hers, etc.; not belonging to another
  • pronoun
  • (Something) belong to myself
  • verb
  • To have something as your property

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

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

baby

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US / ˈbeɪbi /

UK / ˈbeɪbi /

A2
  • adjecitve
  • Small in size; smaller than usual
  • noun
  • A very young child, who cannot yet speak
  • verb
  • To treat someone as if they were newly born

fun

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US / fʌn /

UK / fʌn /

A1
  • adjecitve
  • Amusing and enjoyable
  • noun
  • Enjoyable or amusing quality or feeling

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

select

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US / sɪ'lekt /

UK / sɪˈlɛkt /

A2
  • verb
  • To choose a suitable thing from a group

anymore

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US / 'enɪmɔ: /

UK / ˌɛniˈmɔr, -ˈmor /

A2
  • adverb
  • No longer; no more

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

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

barely

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US / ˈbɛəli /

UK / ˈbɛrli /

A2
  • adverb
  • Only just; just possible

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

gander

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US / 'ɡændə(r) /

UK / ˈɡændɚ /

A1
  • other
  • Mature male goose

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

find

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US / faɪnd /

UK / faɪnd /

A1
  • noun
  • Object discovered by chance
  • Things that have been discovered from searching
  • verb
  • To become aware of something that is happening
  • To discover or meet by chance
  • To decide if someone is guilty of a crime, or not
  • To learn through study, research, or effort
  • To discover something by looking for it

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

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

sustain

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US / sə'steɪn /

UK / səˈsten /

B2
  • verb
  • To lengthen or continue to do something
  • To support or maintain someone or something
  • To suffer something damaging or bad

type

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US / taɪp /

UK / taɪp /

A1
  • noun
  • Printed letters or blocks used for printing them
  • Group of things or people sharing common features
  • verb
  • To identify something belonging to a group
  • To write by touching keys on a keyboard

snack

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US / snæk /

UK / snæk /

B2
  • noun
  • Small amount of food eaten between meals
  • verb
  • To eat a small amount outside of regular meal time

total

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US / ˈtəʊtl /

UK / ˈtoʊtl /

A1
  • adjecitve
  • Complete
  • noun
  • Whole number or amount of something
  • verb
  • To damage a car beyond repair

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)

even

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US / 'i:vn /

UK / ˈivən /

A1
  • adjecitve
  • Being equal in influence, power, possibility etc.
  • Being divided equally or fairly
  • (Of teams/contest) with similar chances of success
  • Smooth, level, or regular
  • Can be divided by 2; ending in 2, 4, 6, 8, or 0
  • At a regular, equally steady manner
  • Remaining steady and unchanging
  • adverb
  • (When this is surprising) as well; too
  • (Used to compare two things/stress the difference)
  • verb
  • To make something level; to flatten
  • To make something equal

impact

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US / 'ɪmpækt /

UK / ˈɪmˌpækt /

A2
  • noun
  • A striking effect or result to hit with force
  • Very strong influence
  • Act or force of one thing hitting something else
  • verb
  • To hit or strike someone or something with force

ira

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US / ˌaɪ ɑːr ˈeɪ /

UK / ˌaɪ ɑːr ˈeɪ /

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

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

people

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US / 'pi:pl /

UK / ˈpipəl /

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

different

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US / ˈdɪfrənt /

UK / ˈdɪfrənt /

A1
  • adjecitve
  • Not of the same kind; unlike other things

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’

sit

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US / sɪt /

UK / sɪt /

A1
  • verb
  • To take an exam
  • To be in a resting position on a chair
  • To provide seating for people
  • To remain in a still position while being painted

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

align

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US / əˈlaɪn /

UK / əˈlaɪn /

B2
  • verb
  • To arrange (e.g. objects) in line with one another

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

happen

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US / 'hæpən /

UK / ˈhæpən /

A1
  • verb
  • To take place or occur

example

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US / ɪgˈzɑ:mpl /

UK / ɪɡˈzæmpəl /

A1
  • noun
  • Thing, person which represents a category

percentage

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US / pəˈsentɪdʒ /

UK / pərˈsentɪdʒ /

B1
  • noun
  • Part of a whole divided into hundredths

portion

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US / 'pɔ:ʃn /

UK / ˈpɔrʃən, ˈpor- /

B1
  • noun
  • Serving of food that is intended for one person
  • Part of something shared that belongs to a whole
  • verb
  • To separate something to divide among people

yeah

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US / jeə /

UK / ˈjɛə, ˈjæə, jɛ- /

A1
  • exclamation
  • Another way of saying 'yes'

track

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US / træk /

UK / træk /

A2
  • noun
  • A circular course for running
  • Course or way someone takes, e.g. in education
  • Path in a field or a forest made by walkers
  • Often circular course laid out for car racing
  • One of multiple musical recordings on an album
  • Band surrounding the wheels of a tank
  • Metal lines that trains ride on
  • verb
  • To use marks to follow a wild animal
  • To move a certain way/follow a particular course
  • To record and examine the progress of something

their

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US / ðɛː /

UK / ðer /

A1
  • determiner
  • Belonging to them

yes

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US / jes /

UK / jɛs /

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

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

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

comfortable

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US / ˈkʌmftəbl /

UK / ˈkʌmfətəbəl, ˈkʌmftəbəl /

A2
  • adjecitve
  • Having more than enough e.g. money for your needs
  • Being relaxed, warm or happy

super

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US / ˈsu:pə(r) /

UK / ˈsupɚ /

A2
  • adjecitve
  • Of the highest quality; great; marvelous

who

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US / hu: /

UK / hu /

A1
  • pronoun
  • Which person
  • Used to introduce information about people

worker

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US / ˈwɜ:kə(r) /

UK / ˈwɜ:rkə(r) /

A1
  • noun
  • Person who works

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

medicine

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US / ˈmedsn /

UK / ˈmɛdɪsɪn /

A2
  • noun
  • Something used in treating illness or pain
  • Science of preventing, treating, or curing disease

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

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

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

workforce

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US / ˈwɜ:kˌfɔ:s /

UK / ˈwə:kˌfɔrs /

B1
  • noun
  • The total number of working people

worry

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US / ˈwʌri /

UK / ˈwɜ:ri /

A1
  • noun
  • Something that causes trouble or concern
  • verb
  • To cause concern or trouble over something

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

expectancy

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US / ɪkˈspektənsi /

UK / ɪkˈspɛktənsi /

B1
  • noun
  • Excited feeling that something is will happen soon

honestly

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US / ˈɒnɪstli /

UK / ˈɑnɪstli /

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

payroll

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US / ˈpeɪrəʊl /

UK / ˈpeɪroʊl /

B2
  • noun
  • Money needed to pay those working for a company
  • List of people working for a company

main

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US / meɪn /

UK / men /

A1
  • adjecitve
  • Most important; most often used

pretty

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US / 'prɪtɪ /

UK / ˈprɪti /

A1
  • adjecitve
  • Being attractive to the eye in a simple way
  • adverb
  • Very; to a great degree

act

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US / ækt /

UK / ækt /

A1
  • noun
  • What someone did; action; behavior
  • A law or rule passed by a government we must obey
  • One of the parts that a stage play is divided into
  • verb
  • To behave in a certain way
  • To perform on a stage or in a movie

bit

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US / bɪt /

UK / bɪt /

A1
  • noun
  • Device put in a horse's mouth to control it
  • Small piece of something
  • verb
  • (E.g. of fish) to take bait and be caught

gen

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US / dʒen /

UK / dʒen /

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

look

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US / lʊk /

UK / lʊk /

A1
  • noun
  • Person's beauty or physical attractiveness
  • Particular style of dress, clothes, or appearance
  • The way someone, something appears to be
  • Act of searching for or examining something
  • verb
  • To appear to be; seem

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

thank

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US / θæŋk /

UK / θæŋk /

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

everything

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US / 'evrɪθɪŋ /

UK / ˈɛvriˌθɪŋ /

A1
  • pronoun
  • All of the things mentioned

dollar

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US / ˈdɒlə(r) /

UK / ˈdɑ:lə(r) /

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

they

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US / ðeɪ /

UK / ðe /

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

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

penny

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US / ˈpeni /

UK / ˈpɛni /

B1
  • noun
  • Person's name
  • Small coin worth 1/100th of a pound
  • A small amount of British money

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

succeed

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US / sək'si:d /

UK / səkˈsid /

A2
  • verb
  • To have achieved what you were trying to achieve
  • To take over position of one who has died or left
  • To come after or replace in a series

experience

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US / ɪk'spɪərɪəns /

UK / ɪkˈspɪriəns /

A1
  • noun
  • Thing a person has done or that happened to them
  • An event at which you learned something
  • Knowledge gained by living life, doing new things
  • verb
  • To gain knowledge by doing things

now

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US / naʊ /

UK / naʊ /

A1
  • adverb
  • At the present time or moment
  • Right away or in the next possible moment
  • Used to refer to something that just happened
  • Time between the present and a moment in the past
  • conjunction
  • Resulting from or because of something

credit

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US / 'kredɪt /

UK / ˈkrɛdɪt /

A2
  • adjecitve
  • Having a positive amount of money
  • noun
  • System to buy something and pay for it later
  • Points earned instead of money
  • Quality of having a good reputation for a reason
  • Points earned towards a university degree
  • verb
  • To add a certain amount of money to a total
  • To recognize someone's achievements or help

cloud

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US / klaʊd /

UK / klaʊd /

A1
  • noun
  • A mass of smoke or mist hanging in the air
  • verb
  • To confuse the mind/judgment of a person
  • (Of the sky) to get darker and fill with clouds
  • To make (glass, etc.) difficult to see through
  • To make an activity less pleasant or enjoyable
  • (Of person's face, etc.) to show worry/anger

intentional

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US / ɪnˈtenʃənl /

UK / ɪnˈtɛnʃənəl /

B1
  • adjecitve
  • Done with a deliberate plan to do or achieve

round

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US / raʊnd /

UK / raʊnd /

A1
  • adjecitve
  • Being in the shape of a circle or ball
  • Consisting of curved and not straight lines
  • Somewhat fat or curved in physical appearance
  • Being a whole number, not a fraction, decimal
  • adverb
  • From beginning to end (e.g. of the year)
  • noun
  • One of the three-minute periods in boxing
  • Drinks bought by one person for a group
  • Series regular visits, routes, or stops at places
  • Single shot or bullet fired from a gun
  • An object with a circular shape
  • One stage in a series of games, e.g. football
  • One's turn in a game such as cards
  • preposition
  • Going around
  • verb
  • To cause or make a circular or curved shape
  • To go or pass around the bend or corner
  • To change from a fraction to nearest whole number

support

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US / səˈpɔ:t /

UK / səˈpɔrt, -ˈport /

A1
  • noun
  • Assistance or advice given to someone
  • Evidence that helps prove something is true
  • A thing to hold up or prevent from falling down
  • verb
  • To give assistance or advice to someone
  • To help prove or show that something is true
  • To hold up or prevent from falling down

can

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US / kæn /

UK / kən,kæn /

A1
  • noun
  • A metal container for storing food
  • other
  • Able to; have the skill to; have the time to
  • verb
  • To have permission to
  • To be possible to do
  • To preserve food by sealing it in a metal container

income

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US / ˈɪnkʌm /

UK / ˈɪnˌkʌm /

A1
  • noun
  • Earned money from work, investments or business

planner

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US / ˈplænə(r) /

UK / 'plænər /

B1
  • noun
  • Notebook for recording appointments/things to do
  • Person involved in planning something, e.g. a city

record

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US / 'rekɔ:d /

UK / ˈrekərd /

A1
  • noun
  • Highest or most extreme level achieved
  • Round plastic disc on which music has been stored
  • History of a person's past actions or achievements
  • verb
  • To indicate a temperature, speed, etc.; register
  • To write down or say what happened
  • To put music, sounds onto a device to store it

towards

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US / tə'wɔ:dz /

UK / 'təuədz, twɔ:dz /

A1
  • preposition
  • In the direction of someone or something

von

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US / ɪk /

UK / ɪk /

A1

minute

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US / 'mɪnɪt /

UK / ˈmɪnɪt /

A1
  • adjecitve
  • Very very small
  • noun
  • Notes taken at a meeting to record what was said
  • Short period of time
  • Unit of time equal to 60 seconds
  • verb
  • To record in writing what is said at a meeting

not

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US / nɒt /

UK / nɑt /

A1
  • adverb
  • Word indicating the negative
  • (Used to form the negative of verbs)

our

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US / 'aʊə(r) /

UK / aʊr /

A1
  • determiner
  • Belonging to us

cash

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US / kæʃ /

UK / kæʃ /

A2
  • noun
  • Physical money (not credit card or digital)
  • verb
  • To sell or give something to get money

online

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US / ˌɒnˈlaɪn /

UK / ˌɑ:nˈlaɪn /

B1
  • adjecitve
  • Connected to the internet

yet

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US / jet /

UK / jɛt /

A1
  • adverb
  • At a later time (used after ‘not’)
  • (Used to emphasize that thing is, will be greater)
  • Eventually; at a future time
  • Until now; up to the present
  • conjunction
  • Adding to what has been said, often as a contrast

want

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US / wɔnt /

UK / wɑnt, wɔnt /

A1
  • noun
  • Something you desire or wish for
  • State or condition of poverty
  • verb
  • To desire or wish for something; hope for a thing

compare

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US / kəm'peə(r) /

UK / kəmˈpɛr /

A1
  • verb
  • To consider how similar and different things are

concerned

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US / kənˈsɜ:nd /

UK / kənˈsə:nd /

A2
  • adjecitve
  • Worried or anxious
  • verb
  • To be about a particular topic
  • To have a direct impact on someone
  • To be responsible or mixed up in; to be involved
  • To feel worry or anxiety

habit

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US / 'hæbɪt /

UK / ˈhæbɪt /

A2
  • noun
  • Loose clothing like a cloak, worn by monks, nuns
  • Usual way of behaving; something often repeated

fruition

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US / fruˈɪʃn /

UK / fruˈɪʃən /

C1
  • noun
  • Successful result of a plan, process or activity

really

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US / ˈri:əli /

UK / ˈriəˌli, ˈrili /

A1
  • adverb
  • Used to stress something that is said; definitely
  • In a true or accurate manner
  • Very

pick

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US / pɪk /

UK / pɪk /

A1
  • noun
  • Sharp tool used for breaking the ground
  • Item selected from a group of choices
  • verb
  • To take fruit or vegetables from a plant or tree
  • To decide on a thing from various choices; select
  • To remove (flower, etc.) with your fingers

understand

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US / ˌʌndə'stænd /

UK / ˌʌndɚˈstænd /

A1
  • verb
  • To know the meaning of language, what someone says

would

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US / wʊd /

UK / wʊd /

A1
  • other
  • Used to indicate something imagined
  • Used to ask or request something politely
  • Verb used to indicate possibility, request etc.
  • Used to indicate a preference
  • Used to indicate a reaction
  • Indicates something that occurred repeatedly
  • Used to indicate willingness or ability to do

opportunity

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US / ˌɒpə'tju:nətɪ /

UK / ˌɑpɚˈtunɪti, -ˈtju- /

A2
  • noun
  • Time, situation when a thing might be done; chance

same

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US / seɪm /

UK / sem /

A1
  • adjecitve
  • Being equal in quality and amount
  • Identical; not different
  • Not changing; constant

save

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US / seɪv /

UK / sev /

A1
  • noun
  • Preventing a player in a game from scoring a goal
  • preposition
  • Except; not including
  • verb
  • To make your computer keep a file
  • To keep for future use
  • To make something unnecessary; prevent
  • To keep money so that you will have it later
  • To keep something for future use, such as money
  • To keep or rescue someone or something from harm
  • To prevent a player in a game from scoring a goal
  • To avoid the unnecessary waste of energy, etc.

pack

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US / pæk /

UK / pæk /

A1
  • noun
  • Bag carried on the back of donkey, etc.
  • Group of people, animals, or objects
  • verb
  • To put things in a suitcase to go on a trip
  • To crowd a place with a large amount of things
  • To put something into a container to store it

ability

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US / ə'bɪlətɪ /

UK / əˈbɪlɪti /

A2
  • noun
  • The power, resources or skill to do something

but

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US / bət /

UK / bʌt,bət /

A1
  • conjunction
  • Used before you say something different, opposite

give

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US / ɡɪv /

UK / ɡɪv /

A1
  • noun
  • Degree of flexibility in something, a material
  • verb
  • To hand over or present something to someone
  • To cause someone to have or experience something

good

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US / ɡʊd /

UK / ɡʊd /

A1
  • adjecitve
  • Proper, appropriate or right
  • (Of an amount) enough; plenty
  • Excellent; high quality
  • Acting well or properly; of moral character
  • In a positive or happy emotional state
  • noun
  • Advantage or benefit

life

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US / laɪf /

UK / laɪf /

A1
  • noun
  • All the living things e.g. animals, plants, humans
  • Period of time things live, from birth to death

ooh

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US / u: /

UK / u /

A1
  • exclamation
  • Sound people make when they make a mistake

research

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US / rɪ'sɜ:tʃ /

UK / rɪˈsɚtʃ, ˈriˌsɚtʃ /

A2
  • noun
  • Study done to discover new ideas and facts
  • Work done to find or discover knowledge
  • verb
  • To study in order to discover new ideas and facts

security

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US / sɪ'kjʊərətɪ /

UK / sɪˈkjʊrɪtisə'kjurətɪ /

A2
  • noun
  • Department in a company in charge of protection
  • Financial document, like stocks, bonds and notes
  • Person paid to protect property and people
  • Things done to protect people, buildings etc.
  • Condition of being safe from danger or harm

single

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US / 'sɪŋɡl /

UK / ˈsɪŋɡəl /

A1
  • adjecitve
  • Being one only, without others
  • Only; merely
  • Not married or in a relationship
  • noun
  • One run in cricket or a hit baseball
  • An individual song from a CD or album
  • Person who is not married or in a relationship

capable

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US / 'keɪpəbl /

UK / ˈkepəbəl /

A2
  • adjecitve
  • Being able to do something very well; proficient

few

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US / fju: /

UK / fju /

A1
  • pronoun
  • Not many, a small number

financial

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US / faɪˈnænʃl /

UK / faɪˈnænʃ(ə)l /

A2
  • adjecitve
  • Involving money

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

system

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US / 'sɪstəm /

UK / ˈsɪstəm /

A1
  • adjecitve
  • Working in an organized, logical way
  • noun
  • Set of organized, planned ideas that work together

job

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US / dʒɒb /

UK / dʒɑ:b /

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

soon

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US / su:n /

UK / sun /

A1
  • adverb
  • At a time not long from now

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)

modern

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US / ˈmɔdən /

UK / ˈmɑdən /

A1
  • adjecitve
  • Of the present time; up to date; contemporary

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

technology

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US / tek'nɒlədʒɪ /

UK / tɛkˈnɑlədʒi /

A2
  • noun
  • Use or knowledge of science in industry etc.

die

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US / daɪ /

UK / daɪ /

A1
  • noun
  • Cube with dots numbering 1-6 on it used in games
  • verb
  • To cease to function or work
  • (Of a thing) to stop being used or done
  • (Of a person) to stop living

roth

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US / rəʊt /

UK / rot /

A1

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

yourself

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US / jɔ:ˈself /

UK / jʊrˈsɛlf, jɔr-, jor-, jə- /

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

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

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

wonder

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US / 'wʌndə(r) /

UK / ˈwʌndɚ /

A1
  • noun
  • Surprise caused by experiencing something amazing
  • verb
  • To feel curious about something
  • To think or consider about something over time

amount

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US / ə'maʊnt /

UK / əˈmaʊnt /

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

benefit

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US / 'benɪfɪt /

UK / ˈbɛnəfɪt /

A2
  • noun
  • Good result or effect, something advantageous
  • verb
  • To have a good effect or be helpful

breakdown

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US / 'breɪkdaʊn /

UK / ˈbrekˌdaʊn /

B1
  • noun
  • When normal activity or behavior stops

head

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US / hed /

UK / hɛd /

A1
  • noun
  • Counter for the number of cattle
  • Natural mental ability or intelligence
  • Leader or person with the greatest authority
  • Mind; mental ability; mental state
  • Side of a coin with a head on it
  • Top part of your body with eyes and a mouth
  • Starting point of something, e.g. a river
  • verb
  • To hit a ball with your head in a game
  • To be first or at the front or top (e.g. a list)
  • To travel or move toward a particular place; To go in a particular direction
  • To become the leader of something
  • To lead or be responsible for something

determine

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US / dɪ'tɜ:mɪn /

UK / dɪˈtɚmɪn /

A2
  • verb
  • To control exactly how something will be or act
  • To establish the facts about; discover

never

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US / 'nevə(r) /

UK / ˈnɛvɚ /

A1
  • adverb
  • Not ever; not at any time

period

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US / ˈpɪəriəd /

UK / ˈpɪriəd /

A1
  • noun
  • Set amount of time during which events take place
  • A way to emphasize what you will say
  • A full stop (.), marking the end of a sentence
  • A menstrual cycle
  • A set time for a class to be held

traditional

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US / trəˈdɪʃənl /

UK / trəˈdɪʃənəl /

A2
  • adjecitve
  • Involved in a custom or event common to a people

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

hello

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US / hə'ləʊ /

UK / hɛˈlo, hə- /

A1
  • exclamation
  • What you say when you meet someone

for

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US / fə(r) /

UK / fɔr,fə /

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

through

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US / θru: /

UK / θru /

A2
  • adjecitve
  • having finished using or doing something
  • adverb
  • From the beginning of something until the end
  • preposition
  • Over, in, across an entire thing or place
  • Allowing you to pass between, or to
  • By a particular way or process; by the use of

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

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)

define

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US / dɪ'faɪn /

UK / dɪˈfaɪn /

A2
  • verb
  • To explain the meaning of words
  • To set or mark the limits of something

generation

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US / ˌdʒenəˈreɪʃn /

UK / ˌdʒɛnəˈreʃən /

A2
  • noun
  • Act or process of producing or causing something
  • People born and living at about the same time

myself

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US / maɪˈself /

UK / maɪˈsɛlf /

A1
  • pronoun
  • The same person who did the action mentioned
  • My regular, usual, or healthy self

those

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US / ðəʊz /

UK / ðoz /

A1
  • determiner
  • The people or things we are talking about
  • pronoun
  • The objects far from the speaker
  • Subtitles section
  • What do people think about when they hear the word retirement?
  • I think about the beach, waking up every single morning, packing some snacks, and heading to the shore.
  • Not a cloud in the sky, not a worry in the world, just pure bliss.
  • But what if you can't afford to retire?
  • According to new research from BlackRock, Generation Z workers are saving away on average 14% of income for retirement.
  • That compares with 12% for their older counterparts, Millennials, Gen Xers, and Baby Boomers.
  • Research shows that at the same time, the total share of Americans who think they are on track with their retirement savings has fallen to 63% from 68% in 2021.
  • Do you think at all about retirement, or is that something that seems super far off?
  • I mean...
  • Ooh, um, well, that's a good question.
  • Are you saving for it at all, or not yet?
  • Not at the minute, no.
  • No. I have a 401k.
  • Yeah, I mean, I pay taxes, so I have social security.
  • No, not yet.
  • Not capable of doing that at the minute, no.
  • I don't really think about it, although I feel like I should.
  • This is your World on Money.
  • According to Investopedia, retirement refers to the time of life when one chooses to permanently leave the workforce behind.
  • Or in simpler terms, after you graduate high school or college and you start working, retirement is the ability to no longer work and continue your lifestyle, or hopefully have an even more fun one.
  • So how does one do that?
  • Well, with retirement planning.
  • You may be wondering, how am I going to save so much money to sustain me?
  • I can barely save enough money now.
  • That's a great question.
  • But for now, let's take a quick gander into when retirement originated.
  • The earliest record of our modern concept of retirement comes from the late 19th century.
  • German Chancellor Otto von Bismarck proposed the idea of the government providing financial support for older people, because up until that point, you pretty much worked until you died or couldn't work anymore.
  • It took a few years to come into fruition, but the German government created a retirement system and provided for elderly people over the age of 70. It just so happened that the retirement age aligned with the life expectancy in Germany at the time.
  • No one first saw the advances in technology and medicine that would allow people to live way past 70. Okay, that's a lot of history.
  • You get the point.
  • But why does this matter today?
  • Hello, Barbara.
  • Thank you so much for joining us here today.
  • Sure.
  • Thank you for having me.
  • All right.
  • Well, talking about future and finance, could you define for me what retirement is?
  • Retirement is the point in life where you're no longer active in the workforce, so you're no longer being paid.
  • So the act of planning for retirement is saving money so that you're able to leave the workforce and sustain yourself on your own savings.
  • So can you tell me what are the different ways of saving for retirement?
  • So the first way to get started on your own is to either look at doing, I call it the DIY, either the traditional IRA or the Roth IRA.
  • If you're doing it through work, most likely it's going to be a 401k.
  • So then your choice is, how do you want to save?
  • Before tax or after tax?
  • That's it.
  • Those are your two choices.
  • So the before tax would be your traditional 401k, the after tax would be your Roth 401k.
  • That's really the breakdown.
  • You either do it through work or you don't do it through work.
  • And if you don't do it through work, you do it yourself, which would be a traditional IRA, pre-tax, or an after tax Roth IRA.
  • So we have a pre-tax money type, and then over here we have a post-tax money.
  • So one meaning you're going to put your money into retirement savings, either before you pay tax, so you get the tax savings today, and then you pay tax when you take it out.
  • Or the other one, which is you pay taxes on it today, and then you don't pay on it when you take it out.
  • So those are the two main types of taxation for saving for retirement.
  • For most people who have a job, who are on payroll, who are getting a paycheck, they're already contributing to retirement.
  • And once you start working, you contribute a portion to Social Security, and Social Security is a retirement benefit that you also get from the government.
  • Okay, so as a young person, retirement seems super far away.
  • So why should people my age even be concerned with retirement?
  • The great part about being young is that you have so much time.
  • And the more time you have, the more likely you will succeed with saving for retirement because you can't get that time back.
  • And that time is so valuable, and it can change the entire trajectory of your life if you understand compounding of interest.
  • Compound interest is basically where your money makes money.
  • So to give you a quick example that I use when I teach classes, would you rather have a million dollars right now and hand you a million dollars, or would you rather have a penny double every day for a month?
  • I would say penny because I feel like long-term is better.
  • Yeah, it's almost $11 million.
  • What?
  • By waiting one month.
  • Yes, it's not a million and a half, it's not two, it's 10.7 million, which if you round it up is very close to 11. Oh my god.
  • And honestly, the sooner you understand compounding of interest, the better off you'll be.
  • So what happens to the money that you put into a retirement account?
  • How does it magically start increasing?
  • So that's the key.
  • The money that you put into the retirement account, you need to make sure that you've selected investment.
  • It is something that I see people make mistakes on, they forget to pick the investment.
  • So you want to make sure that it doesn't just sit there in cash because then there's no magic, no magic at all.
  • So what is a good percentage that I should be putting towards my retirement each paycheck?
  • A good percentage to be putting towards your retirement could be 10%, but any amount that you can do would be great.
  • So just getting in the retirement game is key.
  • To give you an example, so if you wanted to have a million dollars at retirement at 65, as a 25 year old, you just need to save 209 a month, which right works out to be like 140 basically every pay period,
  • Versus if you start at 35. So if you wait till you're about my age, I'm a little bit older than that, you need 670 a month.
  • You're going to need to save more for your own retirement because Social Security is not enough to sustain your lifestyle.
  • You want to have more than just Social Security to have a comfortable lifestyle and to be able to enjoy yourself.
  • Your habits that you determine in your 20s for your finances, so saving retirement, debt reduction, really impact the rest of the next decades, the 30s.
  • It's not that you have to sacrifice everything, you just need to be intentional.
  • You want to utilize the time that you have.
  • And so therefore, I would challenge you to find any little bit that you can to get started on retirement because you'll never get the time back.
  • Thank you so much, Barbara.
  • This was great to talk to you and a very eye-opening experience for myself of me needing to start to save for retirement.
  • Yeah, never start too young.
  • The
  • Most important thing about retirement is you have to prepare for it.
  • Take a look at the benefits your employer offers and what resources they offer.
  • If you're self-employed, look into starting an IRA.
  • You can open an IRA at most banks and credit unions as well as through online brokers and investment companies.
  • And if you have the opportunity or the money, you can always talk to a financial planner.