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English Podcast for Easy English Conversation | Learn English in Daily Life | Save Money Or Enjoy? — Transcript

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0:00English Leap Podcast
0:02>> from Speak English with Claus. [music]
0:05Hey English learners, welcome back to
0:08the English Leap Podcast. Your cozy
0:10place to learn easy English through real
0:13conversations and improve your life at
0:15the same time. I am Anna
0:18>> and I am Jake. Okay, quick question
0:20before we become wise and emotionally
0:22deep today. [laughter]
0:24>> Oh no, that usually means trouble.
0:27>> It does. All right, everyone listening,
0:29imagine this. You get paid today. Salary
0:33comes in, phone in hand, bank app open.
0:37What do you do in the first 5 minutes?
0:40>> Ooh, that is good.
0:42>> Option one, transfer money to savings
0:45immediately. Option two, open a shopping
0:48app. Option three, check travel deals
0:51like you are suddenly a mysterious rich
0:53person. Option four, pretend to be
0:56responsible and then order expensive
0:58food.
1:00>> Why is option four so specific?
1:03>> Because we are here to tell the truth.
1:07>> Okay. Honestly, I think a lot of people
1:10listening just got exposed.
1:12>> Exactly. And that is why today is going
1:14to be fun because this topic is not
1:16theoretical. It lives in our bank
1:19accounts, our habits, our guilt and our
1:21late night decisions.
1:23>> Yes. Today we are talking about a
1:25question almost everyone struggles with
1:27whether they admit it or not.
1:30>> Save money or enjoy life now.
1:34>> Right. The question that can start as a
1:36simple conversation and somehow become a
1:39full identity crisis. [laughter]
1:41>> Yes. Because it sounds like a money
1:43question but it is really also a life
1:46question.
1:47>> Right. It's about security and freedom,
1:51responsibility and pleasure. future
1:53goals and present happiness
1:55[laughter and gasps]
1:56>> and guilt. A lot of guilt.
1:59>> So much guilt. The guilt after spending,
2:02the guilt after not spending. Sometimes
2:04people cannot win.
2:06>> Exactly. You buy something and think
2:08that was irresponsible. You do not buy
2:10it and think, "Am I even enjoying my
2:13life?"
2:13>> And maybe some of you listening know
2:15that feeling very well.
2:17>> Right? If you do, you are definitely not
2:20alone. Also, I already know Jake and I
2:22will not agree on everything in this
2:24episode.
2:25>> Excuse me. I am a very balanced person.
2:29>> You are balanced in the sense that you
2:30save money and then somehow spend it in
2:33a very meaningful way. [laughter]
2:36>> That is not spending. That is strategic
2:39joy.
2:41>> See, this is what I mean.
2:42>> But honestly, this is such a useful
2:45topic for English learners because this
2:47is real conversation English. You can
2:49use this with friends, co-workers,
2:52family, classmates, and yes, also in
2:54your own head.
2:55>> And today we are not only sharing
2:57opinions, we are going to help you talk
3:00about priorities, spending habits,
3:03financial pressure, and life choices in
3:05more natural English.
3:07>> H this is a B2 level episode, so the
3:10conversation will stay clear and easy to
3:12follow, but we will also add some
3:14stronger vocabulary naturally as we go.
3:17And do not worry if you do not catch
3:19every single word the first time. Stay
3:22with the conversation, listen for the
3:24big ideas, and enjoy the flow.
3:26>> And if you are a strong B1 listener, you
3:29can absolutely stay with us, too. Some
3:32parts may challenge you, but that is a
3:34good thing. Listen again later and you
3:36will catch more.
3:37>> Also, we prepared a really strong word
3:40tour for this episode.
3:42>> Yes, and not the usual money, bank, buy,
3:44save package. We have better stuff
3:47today.
3:47>> We do. And later in the episode, we will
3:50slow it down and walk through the key
3:52words and expressions from today. So,
3:54you can actually use them when you talk
3:57about money, priorities, and everyday
3:59choices.
3:59>> And just like always, when one of these
4:01words appears for the first time in the
4:03conversation, one of us will quickly
4:06explain it in simple language so you can
4:08keep listening without getting lost.
4:10>> And before we go deeper, one small
4:13request. If you enjoy learning and
4:16thinking with us, please like this
4:17episode, subscribe to the channel, and
4:20share it with one friend who is either a
4:22saver, a spender, or a very creative I
4:26deserve this expert.
4:28>> Every like, comment, and share helps
4:30more learners find the English Leap
4:32podcast and tells YouTube, "This kind of
4:35real English conversation is useful,
4:37>> and we really love reading your
4:39comments."
4:40>> So, here's our question for you today.
4:42In the comments, write two things.
4:44Number one, are you more of a saver, a
4:47spender, or a balanced person?
4:49>> And number two, what is one thing you
4:52never regret spending money on?
4:54>> For example, balanced person. I never
4:57regret spending money on books. Or
4:59saver, I only splurge on travel. Or
5:03spender, working on it. [laughter]
5:06>> Spender, working on it is going to be
5:08very popular.
5:09>> Ooh, you sound seen. very seen and still
5:13choosing honesty
5:14>> and that honesty is exactly why this
5:16episode is going to be fun. So let us
5:19begin with the real trigger payday. The
5:22money arrives and suddenly one part of
5:24you wants to save while the other wants
5:26to celebrate. Why do we split like that?
5:29>> Because money is never only money. It is
5:32reward, stress, plans and emotion all
5:36arriving at the same time.
5:38>> M that is good. And when all that
5:40arrives together, your brain does what
5:42brains do. It starts negotiating.
5:46>> Yes. One side is the accountant, the
5:49other side is the party planner.
5:51>> Exactly. And somehow both sound
5:53completely reasonable.
5:55>> M the accountant says, "Think about your
5:58future." The party planner says, "Relax.
6:01You worked hard. You deserve joy."
6:03>> Yes. And the party planner always has
6:06better marketing.
6:07>> Better timing, too. Especially on
6:09payday.
6:10>> Yeah. For 10 minutes after salary day,
6:13people become a little delusional.
6:15>> A little
6:16>> fine. Very delusional. New budget, new
6:19habits, new life, new version of me.
6:22>> Like this month, I am disciplined,
6:25healthy, and financially wise.
6:28>> And by Friday, she had ordered sushi
6:30twice and bought a lamp.
6:32>> Stop. Why is the lamp always in these
6:35stories? Because random home items
6:37appear when emotions are driving.
6:39>> H that is too real.
6:42>> And that is usually when an impulse
6:44purchase happens.
6:45>> Right. An impulse purchase is when you
6:47buy something suddenly without planning
6:49it just because the feeling is strong in
6:51that moment.
6:52>> Exactly. And payday feelings are very
6:55persuasive.
6:56>> Okay. So if we all know this feeling,
6:59why do smart people still do it? Why is
7:01this so hard even when you know better?
7:04Such a good question and honestly
7:07because being smart does not stop you
7:10from being tired.
7:11>> Yes, that line alone explains half of
7:14adult life.
7:16>> It really does. A lot of money choices
7:18are not happening when we are calm and
7:21fresh. They happen when we are stressed,
7:24busy, or emotionally done.
7:27>> Exactly. Sometimes you are not buying a
7:30thing. You're buying relief.
7:32>> Yes. like I had a horrible day. Let me
7:34feel better for 10 minutes.
7:36>> And then future you wakes up and says,
7:39"Why did we do that?"
7:41>> Present you and future you are always in
7:44a toxic relationship.
7:46>> That is so accurate.
7:48>> And this is where delayed gratification
7:50becomes difficult.
7:52>> Yes, delayed gratification basically
7:55means waiting for a better reward later
7:58instead of taking a smaller reward now.
8:01like not buying the shoes this week
8:03because you were saving for a trip next
8:05month.
8:06>> And present you says future me is asking
8:09for too much.
8:12>> Present you always has a speech ready.
8:15>> True. And people do something else too.
8:17They buy first then they try to justify
8:20an expense after.
8:22>> Yes. Exactly. To justify an expense
8:25means you create a smart sounding reason
8:28after you already decided emotionally.
8:31>> Like I did not buy this expensive coffee
8:34machine for fun. I bought it for
8:36productivity.
8:37>> Yes. This jacket is not fashion. It is
8:41networking.
8:42>> This dessert is not dessert. It is
8:45emotional recovery.
8:47>> Yeah, that one has been used many times
8:50>> by you. Yes, I choose honesty.
8:53>> Fair. So yes, emotions make this hard.
8:57But now let us be fair to the saving
8:59side too because saving is not always
9:02fear. Sometimes saving is wisdom.
9:05>> Yes, and I am glad you said that. Saving
9:08can look boring from the outside, but it
9:10can feel like oxygen when life gets
9:12messy.
9:13>> Oxygen is a strong metaphor.
9:16>> It is because I learned that the hard
9:18way.
9:18>> Ooh, story time.
9:20A few years ago, I had one of those
9:22months where life sent me problems in a
9:25bundle. A payment arrived late. I had a
9:28repair bill and then a family expense
9:30came up.
9:31>> Ah, yes. The premium stress package.
9:34>> Exactly. And in that moment, I finally
9:37understood why people talk about a
9:39financial cushion.
9:41>> Right. A financial cushion is money you
9:44keep aside for unexpected situations so
9:46you have breathing room instead of
9:48panic.
9:49>> Yes. And that cushion is not just about
9:51money. It protects your brain. You think
9:54better when you're not in survival mode.
9:57>> That is so true. Also, many people grow
9:59up hearing save for a rainy day.
10:02>> Yes. And that phrase means save money
10:04for difficult times in the future
10:06because problems do not send a calendar
10:09invite.
10:10>> They really do not.
10:12>> And another useful idea here is live
10:14within your means. It sounds strict, but
10:17it's actually healthy. Yes. In normal
10:20human language, it means your lifestyle
10:22matches what you can actually afford,
10:25>> not what social media says you should
10:27afford.
10:28>> Exactly. Social media is like, "Here's
10:30my morning routine. Meanwhile, it costs
10:32more than your rent."
10:34>> Right. And then normal people feel
10:36behind for no reason.
10:38>> So saving for me is not about being
10:41boring. It's about peace. It's about not
10:44feeling scared every time something
10:45unexpected happens. Yes, saving can be
10:48peace of mind, not punishment.
10:50>> But okay, let me challenge the saving
10:52team a little now because some people
10:55save and save and save and forget to
10:57actually live.
10:58>> Yes, this is the part many people are
11:01scared to talk about.
11:02>> I think so because if we only save and
11:05never enjoy, life starts to feel like
11:08waiting, waiting for later, waiting for
11:10one day
11:11>> and later can keep moving. Yes, that is
11:15why we need to talk about balance.
11:17Enjoying life now does not mean we are
11:19irresponsible. Sometimes it means
11:22choosing rest, connection and
11:24experiences that make your life feel
11:26meaningful.
11:27>> Fair. And this is where the conversation
11:29gets more mature. Not all spending is
11:32equal.
11:32>> Yes, some spending is just noise, but
11:36some spending really adds value.
11:38>> That is where discretionary spending
11:41comes in. It means money you spend on
11:43non-essential things like hobbies,
11:45eating out, entertainment or travel.
11:48>> So not rent, not bills, not groceries.
11:52More like the choices you make after the
11:54basics are covered.
11:56>> H this is the money that feels more
11:58free. It's like your personal fun zone.
12:01>> And in your case, I think it is mostly
12:03the suspiciously frequent coffee zone.
12:07>> Hey, that is not waste. That is very
12:10serious coffee research.
12:12>> Sure, we believe you.
12:14>> But seriously, I think it's okay to
12:16splurge on something occasionally if it
12:18really matters to you.
12:20>> Yes, splurge on means spending more than
12:23usual on something you really want, like
12:25a special trip, a good meal, or a gift,
12:29>> right? I don't splurge often, but when I
12:31do, I prefer experiences. I still
12:34remember one short trip I almost
12:36cancelled because I wanted to be
12:38sensible. I went anyway and months later
12:41I was still talking about it.
12:43>> I love that because that's the part
12:44people forget. Some purchases disappear
12:47fast but some become memories.
12:50>> Exactly. And many people don't get into
12:52trouble because they choose one side.
12:54They get into trouble because they jump
12:56between two extremes.
12:58>> Yes. Let us talk about that. What do you
13:01mean by extremes? I mean weeks or months
13:04where people say from now on I will not
13:07spend anything extra. They are super
13:10strict.
13:10>> Yes. They stop going out, stop ordering
13:13food, stop buying small treats.
13:16Everything is no.
13:18>> Then after some time they feel tired and
13:20upset and suddenly they say you know
13:23what I deserve something and they spend
13:26a lot in one weekend.
13:28>> Yes, I think many people listening know
13:30this feeling. H this is a classic swing
13:33from one extreme to the other.
13:35>> First too much control then too much
13:38reaction.
13:39>> So it is not just a money problem. It's
13:41a pattern problem.
13:43>> And that is why we need a simple way to
13:46make better choices without going crazy
13:48and without feeling guilty every time.
13:51>> Exactly. So let us build a small easy
13:55framework for balance.
13:57>> Good. Let us make this practical for
14:00people.
14:01>> All right. Before a bigger purchase,
14:03first step is very simple. Pause.
14:06>> Yes, even a 5second pause can change a
14:10decision.
14:11>> And in that pause, ask yourself, what
14:13does this choice support in my life?
14:16What is the real reason I want this?
14:19>> That question alone can show you a lot.
14:22>> Then you can weigh the pros and cons. To
14:25weigh the pros and cons means to think
14:27about the good side and the bad side
14:29before you decide.
14:31>> Yeah. Good side. This will make my daily
14:34life easier. Bad side. This will make
14:37this month more stressful.
14:39>> And when you see both sides, you can
14:41choose more calmly.
14:43>> And here is another idea that helps.
14:45Opportunity cost.
14:47>> Opportunity cost means what you lose
14:50when you choose one thing instead of
14:52another thing. For example, if you spend
14:54a lot of money on random online shopping
14:56this month, the opportunity cost might
14:59be that you cannot go on a trip later or
15:01you cannot join a course you wanted.
15:04>> Yes. So the question becomes, what am I
15:07saying no to if I say yes to this?
15:11>> Exactly. It's not about feeling shame.
15:13It's about understanding the trade.
15:16>> So we can say do not let your mood make
15:20all the decisions. Give your brain a
15:22little time to think,
15:24>> right? Even a short pause now can save
15:27you from a long month of stress later.
15:29>> Okay, so let's test that in real life.
15:32Not in theory, but in the places where
15:35this debate really lives. Coffee,
15:38phones, clothes, travel, and all those
15:41tiny expenses that become big when they
15:44join together.
15:46>> Ah, yes. The tiny expenses that travel
15:49in groups. Exactly. Okay. Rapid fire
15:53round. Daily coffee from a cafe. Worth
15:56it or waste?
15:57>> Depends. I know that is annoying, but it
15:59depends. If it is your only joy and it
16:02fits your budget, fine. If it is five
16:05coffees a day plus random snacks plus
16:08delivery, now we need a meeting.
16:10>> Now we need a meeting is so good
16:12>> because one coffee is not the issue.
16:15Patterns are the issue,
16:17>> right? And patterns are where
16:19discretionary spending can quietly grow
16:21without us noticing.
16:23>> Especially when we are just comparing
16:26prices and somehow a package arrives 2
16:28days later.
16:30>> M this episode is turning into your
16:32confession.
16:33>> I am being honest so our listeners can
16:36learn from my mistakes.
16:38>> We thank you for your sacrifice. Okay,
16:41next one. Buying a better phone when
16:44your current phone still works. Fair
16:46question. I would ask, is it a tool
16:49upgrade or a mood upgrade?
16:52>> Ooh, that is good.
16:54>> If your phone affects your work, safety
16:56or productivity, maybe you can justify
16:58the expense. If you just feel bored and
17:01want a new identity, maybe wait a week.
17:04>> Yes, that one pause is powerful. It
17:08separates desire from impulse. Also, if
17:11after 7 days you still want it, at least
17:14the decision is less dramatic.
17:16>> True. Okay, next one. Travel.
17:19>> I am biased, but I think it can be worth
17:21a splurge if it is meaningful and
17:24planned,
17:25>> right? And I agree if it does not
17:27destroy your next 3 months financially.
17:30>> Fair. Memories should not become monthly
17:32suffering. [laughter]
17:34>> I like that. Please put that on a
17:36poster.
17:37>> I like it, too. And I also think
17:39spending on learning can be underrated.
17:42A course, coaching, or something that
17:44improves your skills can really change
17:46your future.
17:48>> Yes. And that's a great example of
17:49values-based spending. It may look
17:52expensive now, but the opportunity cost
17:54of not learning could be bigger later.
17:57>> So, yes, practical tools help, but
17:59there's one more important layer here,
18:02and it changes the whole debate. Not
18:04everybody is choosing between save for
18:07travel and buy the shoes.
18:09>> Yes, thank you for bringing that in. For
18:12some people, the conversation is not
18:14about lifestyle optimization. It is
18:16about survival,
18:17>> right? And when someone is trying to
18:19make ends meet, this debate feels
18:22completely different.
18:23>> Yes, make ends meet means having just
18:26enough money to cover basic living costs
18:29with very little extra. In that
18:31situation, enjoy life now may look like
18:34one small treat after a very hard week.
18:37And save money may mean putting aside a
18:40tiny amount and feeling proud of it.
18:42>> And that matters. A small saving is
18:45still progress. A small joy is still
18:48human.
18:49>> So this conversation should never become
18:51judgment. It should become awareness.
18:54>> Yes. awareness of your reality, your
18:57values, your patterns, and your
18:59priorities.
19:00>> Because the goal is not to copy someone
19:02else's money style. The goal is to build
19:05a life where your money choices support
19:07both stability and joy.
19:09>> Beautifully said. So maybe the answer to
19:12save money or enjoy life now is not one
19:16side winning. Maybe it is learning how
19:18to protect your future without
19:20abandoning your present. That is the
19:23kind of balance I can respect
19:25>> even as an honest spender.
19:27>> Especially as an honest spender.
19:30[laughter]
19:31>> Fair enough. And now that we have
19:33unpacked the ideas, the emotions, and
19:35the real life choices behind this
19:37debate, let us slow down and go into our
19:40word tour so you can use this language
19:42in your own conversations.
19:44>> Yes. Because you are not just listening
19:46to a money debate today. You are
19:48building the English to talk about
19:50tradeoffs, priorities, guilt, value, and
19:54peace of mind in a much more natural
19:56way.
19:57>> So, grab your tea, coffee, or your very
20:00carefully budgeted snack and let us do
20:02the word tour.
20:04>> We will go slowly. Listen, repeat and
20:06think about your own life while you
20:08learn these phrases. First phrase,
20:11impulse purchase. An impulse purchase is
20:14when you buy something suddenly without
20:16planning just because the feeling is
20:19strong in that moment.
20:20>> For example, I went to the mall to walk
20:23and my new shoes were an impulse
20:26purchase.
20:27>> Or I am trying to control my impulse
20:30purchases, especially late at night.
20:32>> You can repeat Impulse purchase.
20:35>> Impulse purchase.
20:37>> Take your time. Impulse purchase. Next
20:41phrase is delayed gratification.
20:44>> Delayed gratification means saying no to
20:47a small pleasure now so you can get a
20:50bigger or better result later.
20:52>> For example, saving money for a trip is
20:55a kind of delayed gratification.
20:57>> Or strong habits often need delayed
21:00gratification, not quick rewards.
21:03Repeat. Delayed gratification.
21:06>> Delayed gratification.
21:09>> Slowly. delayed gratification.
21:13Another useful phrase is justify an
21:16expense.
21:17>> To justify an expense means to give a
21:20reason why your spending was a good
21:22idea, often after you already spent the
21:25money.
21:25>> For example, he tried to justify the
21:28expense by saying the new phone was for
21:31work.
21:31>> Or I don't need to justify every
21:34expense, but I want to be honest with
21:36myself. You can repeat. Justify an
21:39expense.
21:40>> Justify an expense.
21:42>> Piece by piece. Justify
21:46an expense.
21:48>> Here is a safety phrase. Financial
21:50cushion.
21:51>> A financial cushion is extra money you
21:54keep aside, like a safety pillow, for
21:57emergencies or surprises.
21:59>> For example, having a financial cushion
22:01helped her stay calm when her car broke
22:04down. or even a small financial cushion
22:07can make your life feel less stressful.
22:09Repeat financial cushion.
22:12>> Financial cushion.
22:13>> Slowly. Financial cushion. Now a more
22:18technical one. Discretionary spending.
22:22>> Discretionary spending is money you
22:25spend on non-essential things like
22:27hobbies, eating out, entertainment, or
22:30travel. For example, most of my
22:33discretionary spending goes to movies
22:35and coffee.
22:37>> Or when money is tight, discretionary
22:39spending is the first place I check.
22:42>> You can repeat discretionary spending.
22:45>> Discretionary spending.
22:48>> Step by step. Discretionary
22:51spending.
22:52>> This next phrase can really change
22:55stress levels. Live within your means.
22:58To live within your means means your
23:00lifestyle matches your real income. You
23:04are not spending more than you earn.
23:06>> For example, she started to live within
23:09her means and finally felt less stress.
23:11>> Or living within your means does not
23:14mean no fun. It means smart choices.
23:17Repeat. Live within your means.
23:21>> Live within your means.
23:23>> Slowly. Live within your means. Now,
23:29something more fun. Splurge on.
23:32>> To splurge on something means to spend
23:34more than usual on a special thing you
23:37really want.
23:38>> For example, we decided to splurge on a
23:41nice dinner for our anniversary.
23:44>> Or, I do not splurge on clothes, but I
23:47like to splurge on travel.
23:48>> You can repeat. Splurge on. Splurge on
23:53>> slowly. Splurge on.
23:57>> Now, a good decision phrase. Weigh the
24:00pros and cons.
24:01>> To weigh the pros and cons means to
24:04think about the good side and the bad
24:07side before you decide.
24:09>> For example, before changing jobs, she
24:12weighed the pros and cons carefully.
24:14>> Or we should weigh the pros and cons
24:17before buying something expensive.
24:20Repeat. Weigh the pros and cons.
24:23>> Weigh the pros and cons.
24:26>> Take your time. Weigh the pros and cons.
24:31Another important idea is opportunity
24:34cost.
24:35>> Opportunity cost is what you lose or
24:38miss when you choose one thing instead
24:40of another.
24:41>> For example, if you spend all your money
24:44on small treats, the opportunity cost
24:47might be a future trip. Or the
24:50opportunity cost of saying yes to
24:52everything is often your time and
24:55energy.
24:56>> You can repeat opportunity cost.
24:59>> Opportunity cost
25:01>> slowly.
25:02Opportunity
25:04cost.
25:06>> And our last phrase for today, make ends
25:09meet.
25:10>> To make ends meet means to have just
25:12enough money to pay for your basic needs
25:15with very little extra. For example,
25:18when I first started working, it was
25:21hard to make ends meet.
25:23>> Or some families can make ends meet, but
25:26they cannot save much. Repeat, make ends
25:30meet.
25:31>> Make ends meet.
25:32>> Slowly, make ends meet. So, that was our
25:38word tour for today.
25:40>> M. You can always come back to this part
25:42and listen again until these phrases
25:44feel natural for you. And next time you
25:47think about saving or enjoying, try
25:50using some of this vocabulary in your
25:52own English.
25:53>> Right? And if this episode helped you,
25:56feel free to share it with a friend who
25:58also fights with money decisions.
26:00>> H take care of your money and your mind
26:03and we will see you in the next episode.
26:06>> This is Anna
26:08>> and this is Jake
26:09>> and you have been listening to the
26:11English Leap podcast. Bye.
26:15>> [music]
26:17>> Your progress doesn't end here. To
26:19continue advancing [music] your English
26:21skills, click on the next video or
26:23explore the additional videos we've
26:24thoughtfully [music] selected for you.

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