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How To Be Rich At EVERY AGE (Starting at 18)

Video vocabulary

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

correctly

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US / kə'rektlɪ /

UK / kəˈrɛktlɪ /

A2
  • adverb
  • In an accurate or correct manner

chance

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US / tʃɑ:ns /

UK / tʃæns /

A1
  • adjecitve
  • Happening by luck; not planned
  • Taking a risk to try something
  • noun
  • The way something happens without planning
  • An opportunity; favorable circumstances, situation
  • The possibility that something will happen
  • verb
  • To occur just through luck; happen
  • To take a risk to try something

common

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US / 'kɒmən /

UK / ˈkɑmən /

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

engine

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US / 'endʒɪn /

UK / ˈɛndʒɪn /

A2
  • noun
  • Machine that changes energy into mechanical motion
  • The part of a train that pulls railway cars

fast

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US / fɑ:st /

UK / fæst /

A1
  • adjecitve
  • In a way that is difficult to move or change
  • Moving or able to move quickly
  • Showing time that is later than the actual time
  • adverb
  • With a great deal of speed
  • noun
  • Period of time when a person chooses not to eat
  • verb
  • To refuse food for a long time

its

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US / ɪts /

UK / ɪts /

A1
  • adjecitve
  • Referring to or belonging to ‘it’
  • determiner
  • Of something; belonging or related to something
  • other
  • Possessive form of “it”

return

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US / rɪ'tɜ:n /

UK / rɪ'tɜ:rn /

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

who

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US / hu: /

UK / hu /

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

top

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US / tɒp /

UK / tɑp /

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

bet

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US / bet /

UK / bet /

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

figure

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US / ˈfiɡə /

UK / ˈfɪɡjɚ /

A1
  • noun
  • Your body shape
  • Numbers in a calculation
  • Doll-like thing meant to represent a person
  • Picture or diagram giving information in a text
  • Person who is very important or famous
  • Shape of a person seen indistinctly or in outline
  • Amount that is expressed in numbers
  • verb
  • To appear in a game, play or event
  • To calculate how much something will cost
  • To understand after thinking; work out

due

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US / dju: /

UK / du, dju /

A1
  • adjecitve
  • When something is required or expected
  • Owed to a person as a right
  • noun
  • Something you deserve; something you can expect

huge

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US / hju:dʒ /

UK / hjudʒ /

A2
  • adjecitve
  • Very very large

milestone

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US / ˈmaɪlstəʊn /

UK / ˈmaɪlstoʊn /

C2
  • noun
  • Significant event in your life (or in a project)

their

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US / ðɛː /

UK / ðer /

A1
  • determiner
  • Belonging to them

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

build

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US / bɪld /

UK / bɪld /

A1
  • noun
  • Your physical shape; physique
  • verb
  • To establish e.g. a reputation, over time
  • To construct a house, office, factory

building

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US / ˈbɪldɪŋ /

UK / ˈbɪldɪŋ /

A1
  • noun
  • A structure with a roof and walls, e.g. a house
  • verb
  • To establish e.g. a reputation, over time
  • To construct a house, office, factory

fourth

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US / fɔ:θ /

UK / fɔ:rθ /

A1
  • noun
  • 4th

heavy

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US / 'hevɪ /

UK / ˈhɛvi /

A1
  • adjecitve
  • Greater in amount, degree, or severity than usual
  • Involving serious or strong emotions
  • Having a lot of weight

option

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US / 'ɒpʃn /

UK / ˈɑpʃən /

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

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

add

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US / æd /

UK / æd /

A1
  • verb
  • To include as well
  • To put two things or numbers together, e.g. 2+2

delusional

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US / dɪ'lu:ʒnəl /

UK / dɪ'lu:ʒnəl /

B2
  • adjecitve
  • Suffering false beliefs based on little evidence

brokerage

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US / 'brəʊkərɪdʒ /

UK / ˈbrokərɪdʒ /

B1
  • noun
  • Stock broker's business

bring

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US / brɪŋ /

UK / brɪŋ /

A1
  • verb
  • To take or go with someone to a place

link

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US / lɪŋk /

UK / lɪŋk /

A2
  • noun
  • Any one of the rings that are part of a chain
  • Connection between two or more things or people
  • Webpage item you click to go to another webpage
  • verb
  • To join or connect together

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

son

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US / sʌn /

UK / sʌn /

A1
  • noun
  • Male child; friendly way of addressing a boy

wealth

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US / welθ /

UK / wɛlθ /

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

between

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US / bɪˈtwi:n /

UK / bɪˈtwin /

A1
  • preposition
  • From one person, thing, or place, to another
  • In the space that separates two objects
  • Among two or more people who share something

everything

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US / 'evrɪθɪŋ /

UK / ˈɛvriˌθɪŋ /

A1
  • pronoun
  • All of the things mentioned

error

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US / ˈerə(r) /

UK / ˈɛrɚ /

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

intimidate

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US / ɪnˈtɪmɪdeɪt /

UK / ɪnˈtɪmɪˌdet /

B2
  • verb
  • To make someone feel afraid

otherwise

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US / ˈʌðəwaiz /

UK / ˈʌðɚˌwaɪz /

A2
  • adverb
  • In an additional or different way
  • Unless; or

risk

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US / rɪsk /

UK / rɪsk /

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

pursue

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US / pə'sju: /

UK / pɚˈsu /

B1
  • verb
  • To follow and try to catch, or to reach a goal
  • To try to achieve or get something over time

sleep

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US / sli:p /

UK / slip /

A1
  • noun
  • Substance in a person's eyes after waking up
  • Period of time during which a person is asleep
  • verb
  • To have enough beds for
  • To rest your body in bed, as at night time

shoulder

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US / ˈʃəʊldə(r) /

UK / ˈʃoldɚ /

A2
  • noun
  • Part of the body where an arm attaches or joins
  • Meat that comes from an animal's upper front leg
  • Part of a shirt or coat that covers the shoulders
  • verb
  • To carry something around your neck
  • To push something using the top part of your arm
  • To accept a job or responsibility

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

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

approve

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US / əˈpru:v /

UK / əˈpruv /

A2
  • verb
  • To formally accept something or grant permission
  • To have a positive opinion of someone or something

customer

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US / ˈkʌstəmə(r) /

UK / ˈkʌstəmɚ /

A2
  • noun
  • Someone who buys goods or services from a business

human

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US / 'hju:mən /

UK / ˈhjumən /

A1
  • adjecitve
  • Concerning or characteristic of people
  • noun
  • A person; a man, woman or child

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

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

both

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US / bəuθ /

UK / boθ /

A1
  • determiner
  • Used to refer to two things at the same time
  • pronoun
  • Used to refer to two things at the same time

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

hold

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US / həʊld /

UK / hold /

A1
  • noun
  • Section of a ship or plane used for storing things
  • Influence or power held over someone
  • Place of support for hands or feet when climbing
  • verb
  • To agree to keep something for someone
  • To have the capacity to support/contain something
  • To control an area and protect it from attack
  • To not allow someone to leave a place
  • To cause an event to happen at a place or time
  • To use hands or arms to carry or keep something
  • To have a specific quality or property
  • To keep an image, belief or feeling in your mind
  • To have or own something
  • To wait before being able to talk on the phone
  • To limit the movement of someone in a sport

liability

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US / ˌlaɪəˈbɪləti /

UK / ˌlaɪəˈbɪlɪti /

B1
  • noun
  • Something that is owed to someone else, e.g. debt
  • Person, thing that causes problems for someone

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

travel

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US / ˈtrævl /

UK / ˈtrævəl /

A1
  • noun
  • Going to other places, esp. distant places
  • verb
  • To go to a place that is far away

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

asset

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US / 'æset /

UK / ˈæsˌɛt /

A2
  • noun
  • Thing that has value to you

dry

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US / draɪ /

UK / draɪ /

A1
  • adjecitve
  • (Of humor) clever, but not obvious; ironic
  • Without water; not wet
  • (Of wine, etc.) not sweet
  • Without butter or jam
  • verb
  • To remove liquid or water from something

honestly

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US / ˈɒnɪstli /

UK / ˈɑnɪstli /

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

main

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US / meɪn /

UK / men /

A1
  • adjecitve
  • Most important; most often used

big

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US / bɪɡ /

UK / bɪɡ /

A1
  • adjecitve
  • Popular
  • Serious
  • Large

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

earner

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US / ˈɜ:nə(r) /

UK / ˈɜ:rnə(r) /

A2
  • noun
  • Someone who earn wages in return for their labor

easily

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US / ˈi:zəli /

UK / ˈizəli /

A1
  • adverb
  • Clearly; without doubt; certainly
  • Without difficulty

lead

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US / li:d /

UK / lid /

A1
  • adjecitve
  • Being the main part in movies or plays
  • noun
  • Wire for electricity, computer, etc.; cable
  • Information that could help to solve a crime
  • Main part in a play or movie
  • Heavy, gray metal element
  • Rope used to tie something to stop it escaping
  • Act of being at the front in a race or game
  • verb
  • To show the way or guide others
  • To be at the front of a race or game
  • To travel in front of; go in advance of others

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

might

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US / maɪt /

UK / maɪt /

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

mention

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US / 'menʃn /

UK / ˈmɛnʃən /

A2
  • noun
  • Act of referring to or talking about something
  • verb
  • To refer to or talk or write about something

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

rate

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US / reɪt /

UK / ret /

A1
  • noun
  • Current price or cost of something
  • Speed or frequency of events over time
  • verb
  • To assess something or consider its qualities

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

bleed

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US / bli:d /

UK / blid /

A2
  • verb
  • To allow a liquid or gas to escape
  • To drain something such as water from a source
  • To flow out of something
  • (Of a wound, cut knee, etc.) to flow with blood
  • To take money from someone a little at a time

also

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US / 'ɔ:lsəʊ /

UK / ˈɔlso /

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

five

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US / faɪv /

UK / faɪv /

A1
  • number
  • 5

kind

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US / kaɪnd /

UK / kaɪnd /

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

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)

payment

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US / ˈpeɪmənt /

UK / ˈpemənt /

A2
  • noun
  • Amount of money that is paid for something

rent

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US / rent /

UK / rɛnt /

A2
  • verb
  • To give the use of something in return for payment
  • To cut a piece of cloth by tearing it

responsibly

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US / rɪˈspɒnsəbli /

UK / rɪˈspɑ:nsəbli /

A1
  • adverb
  • In a responsible way; sensibly

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

sixth

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US / sɪksθ /

UK / sɪksθ /

A1
  • noun
  • 6th

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

therefore

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US / ˈðeəfɔ:(r) /

UK / ˈðerfɔ:(r) /

A1
  • adverb
  • And so; for that reason

discuss

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US / dɪˈskʌs /

UK / dɪˈskʌs /

A1
  • verb
  • To talk about seriously or in great detail

free

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US / fri: /

UK / fri /

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

happy

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US / ˈhæpi /

UK / ˈhæpi /

A1
  • adjecitve
  • Feeling pleasure or joy; glad

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

nightmare

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US / ˈnaɪtmeə(r) /

UK / ˈnaɪtˌmɛr /

A2
  • noun
  • Frightening, difficult or displeasing experience
  • Frightening or upsetting dream while sleeping

play

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US / pleɪ /

UK / pleɪ /

A1
  • noun
  • Loose, free movement between two objects
  • Single action in a sports game
  • Performance in which people act in a theater
  • verb
  • To act as a character in a movie, or on stage
  • To perform music on an instrument
  • To use a device, e.g. a video game
  • To do something for enjoyment and fun
  • To do or perform a game or sport

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

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

below

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US / bɪ'ləʊ /

UK / bɪˈlo /

A1
  • preposition
  • In a lower position, place, or level

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

run

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US / rʌn /

UK / rʌn /

A1
  • noun
  • Journey between two places made by ship or car
  • Series of similar things or successes and failures
  • Act of running; exercise of running
  • verb
  • To depart or travel according to a schedule
  • To cause an animal to move in a certain direction
  • (Of an engine) to be operating
  • To start or use a computer program
  • To flow in a certain direction, like a liquid
  • To manage or operate a business
  • To operate or drive something
  • (Of a road) to go from one place to another
  • To move your legs faster than walking

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

wage

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US / weɪdʒ /

UK / wedʒ /

A2
  • noun
  • Money paid to a worker for the hours they worked
  • verb
  • To start (war, etc.) to achieve a particular goal

click

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US / klɪk /

UK / klɪk /

A1
  • noun
  • The sound a computer mouse makes when you press it
  • A short, slight, and sharp sound
  • verb
  • To work well with someone or something
  • To press a computer mouse
  • To make a short, slight, and sharp sound

follow

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US / ˈfɔləu /

UK / ˈfɑlo /

A1
  • verb
  • To come after someone; be guided by someone
  • To support someone, e.g. singer or comedian
  • To be the logical result of something
  • To happen after something else happens
  • To believe a set of values or a moral teacher
  • To understand something happening or being said

goal

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US / ɡəʊl /

UK / ɡol /

A2
  • noun
  • Something you try to do or achieve; an aim
  • (Sports) net into which you put a ball to score
  • (Sports) act of scoring by putting a ball in a net

specific

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US / spəˈsɪfɪk /

UK / spɪˈsɪfɪk /

A2
  • adjecitve
  • Precise; particular; just about that thing
  • Concerning one particular thing or kind of thing

wish

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US / wɪʃ /

UK / wɪʃ /

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

bad

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US / bæd /

UK / bæd /

A1
  • adjecitve
  • Not good; wrong
  • Lacking in good morals; evil
  • No longer fresh; spoiled

term

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US / tɜ:m /

UK / tɚm /

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

three

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US / θri: /

UK / θri /

A1
  • number
  • Number 3

dare

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US / deə(r) /

UK / der /

A2
  • noun
  • A dangerous or risky act people are afraid to do
  • verb
  • To challenge someone to do something that is risky
  • To have enough courage to do something

capital

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US / 'kæpɪtl /

UK / ˈkæpɪtl /

A2
  • adjecitve
  • Main, or major
  • noun
  • Writing the first letter of a word in big letters
  • Official main city of a country, province or state
  • Collective name for money, shares, and assets
  • Money that is used for a business

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

maximize

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US / ˈmæksɪmaɪz /

UK / ˈmæksəˌmaɪz /

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

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

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

than

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US / ðən /

UK / ðən /

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

accept

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US / ək'sept /

UK / ækˈsɛpt /

A1
  • verb
  • To agree to receive or take something offered
  • To admit that something is true or correct

level

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US / 'levl /

UK / ˈlɛvəl /

A2
  • adjecitve
  • (Sports) equal to another
  • Being steady and determined (e.g. a voice)
  • noun
  • Specific height of something
  • Amount of ability you have compared to others
  • Floor or deck within a building
  • Tool used to determine if something is lying flat
  • verb
  • To aim a gun at someone
  • To destroy a building; flatten an area completely
  • To make things flat or even
  • To make a score equal to another, in sports

parent

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US / 'peərənt /

UK / ˈpɛrənt, ˈpær- /

A1
  • noun
  • Person's, animal's mother or father
  • Something creating other things of the same kind

advantage

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US / əd'vɑ:ntɪdʒ /

UK / ædˈvæntɪdʒ /

A2
  • noun
  • Thing making the chance of success higher
  • A positive point about something

business

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US / ˈbɪznəs /

UK / ˈbɪznɪs /

A1
  • noun
  • A company formed for making profit
  • Matter that has to be dealt with; task; situation
  • Activity of working to make a profit

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

scale

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US / skeɪl /

UK / skel /

A2
  • noun
  • Size, level, or amount when compared
  • Small hard plates that cover the body of fish
  • Device that is used to weigh a person or thing
  • Range of numbers from the lowest to the highest
  • Dimensions or size of something
  • verb
  • To change the size of but keep the proportions
  • To climb something large (e.g. a mountain)
  • To remove the scales of a fish

surprise

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US / səˈpraɪz /

UK / sərˈpraɪz /

A1
  • adjecitve
  • That surprises you; not expected
  • noun
  • Something unexpected that slightly shocks you
  • verb
  • To do something that another person didn't expect

whether

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US / ˈweðə(r) /

UK / ˈhwɛðɚ, ˈwɛð- /

A1
  • conjunction
  • If something will happen or not

against

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US / əˈgenst /

UK / əˈɡenst /

A1
  • preposition
  • In physical contact with, as for support; next to
  • In opposition to; disagreeing with

ceo

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US / ˌsiː iː ˈəʊ /

UK / ˌsiː iː ˈoʊ /

C2
  • abbreviation
  • CEO for Chief Operating Officer

host

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US / həʊst /

UK / host /

A2
  • noun
  • Mass; a great number
  • Person who entertains guests
  • Plant or animal on or in which parasites live
  • Presenter on a television or radio program
  • verb
  • To be the sponsor of an event, e.g. the Olympics
  • To lead or start a party, program, or other event
  • To lead a TV or radio show as the announcer

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

portfolio

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US / pɔ:t'fəʊlɪəʊ /

UK / pɔrtˈfoliˌo, port- /

B1
  • noun
  • A list of the financial assets held by someone
  • List of work submitted to a teacher/for approval

substantial

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US / səbˈstænʃl /

UK / səbˈstænʃəl /

C2
  • adjecitve
  • (Of a meal) able to satisfy your hunger; filling
  • Being large in degree, quantity, or size
  • Being strongly and firmly made or built

taxman

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US / ˈtæksmæn /

UK / ˈtæksˌmæn /

C2
  • noun
  • Tax officials who collect tax for a country

survey

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US / 'sɜ:veɪ /

UK / ˈsɜː(r)veɪ /

A2
  • noun
  • Broad view or general description of something
  • Act of measuring land or property to make a map
  • Set of questions used to ask people about a topic
  • verb
  • To offer a broad view or general description
  • To measure an area of land to make a map of it
  • To ask people a question about a particular topic

fix

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US / fɪks /

UK / fɪks /

A2
  • noun
  • Answer to a problem
  • verb
  • To arrange or prepare something
  • To attach something so it will not move or change
  • To dishonestly arrange the result of a game
  • To make an animal unable to produce young
  • To make something whole or able to work again

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

loan

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US / ləʊn /

UK / lon /

A2
  • noun
  • Act of allowing someone to borrow something
  • verb
  • To give money, etc. that must be paid back

quite

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US / kwaɪt /

UK / kwaɪt /

A1
  • adverb
  • Not very; fairly
  • Very; In a complete or total manner

but

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US / bət /

UK / bʌt,bət /

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

trap

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US / træp /

UK / træp /

A2
  • noun
  • Device used for catching animals
  • Vehicle pulled by a single horse
  • Area or hazard on a golf course
  • Someone's mouth
  • Uncomfortable event that is hard to escape
  • verb
  • To use a device to catch animals or people
  • To hold, e.g. a nerve, so that it cannot move
  • To catch or prevent someone from escaping
  • To trick someone
  • To put into a situation you can't escape from

explode

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US / ɪk'spləʊd /

UK / ɪkˈsplod /

B1
  • verb
  • To express an emotion in a sudden and loud way
  • To increase in number or amount very quickly
  • To burst or cause to burst into pieces

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

fact

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US / fækt /

UK / fækt /

A1
  • noun
  • Something that is known or proved to be true

emergency

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US / ɪ'mɜ:dʒənsɪ /

UK / ɪˈmɚdʒənsi /

A2
  • noun
  • Sudden event needing an immediate action

hobby

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US / ˈhɒbi /

UK / ˈhɑ:bi /

A1
  • noun
  • Regular activity done in free time, for pleasure

individual

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US / ˌɪndɪˈvɪdʒuəl /

UK / ˌɪndəˈvɪdʒuəl /

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

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

standard

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US / 'stændəd /

UK / ˈstændəd /

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

under

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US / ˈʌndə(r) /

UK / ˈʌndɚ /

A1
  • adjecitve
  • In the same place as another thing, but lower
  • adverb
  • In a lower quantity or price than expected
  • preposition
  • According to the terms of an agreement or law
  • Managed or controlled by the authority of
  • Being of a lesser quality or amount than expected
  • Influenced or affected by something or someone
  • Less or lower in age, amount, size or number

ask

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US / ɑ:sk /

UK / æsk /

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

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

grow

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US / ɡrəʊ /

UK / ɡro /

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

mortgage

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US / 'mɔ:ɡɪdʒ /

UK / ˈmɔrɡɪdʒ /

B1
  • noun
  • Long-term loan from a bank for buying property

roth

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US / rəʊt /

UK / rot /

A1

lower

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US / 'ləʊə(r) /

UK / ˈlaʊɚ, laʊr /

A2
  • adjecitve
  • In a position more near the bottom
  • verb
  • To move something downward to the ground

set

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US / set /

UK / sɛt /

A1
  • adjecitve
  • Prepared for something; ready
  • noun
  • Complete group of something
  • Place where a television show or movie is filmed
  • Group of games in a tennis match
  • Device that receives radio or television signals
  • verb
  • To make a clock state or ring at a particular time
  • To decide upon or choose something
  • To make something ready for use (e.g. table)
  • To decide on a price for something
  • To become hard (of glue, concrete etc.)
  • To be located in a specific place or time
  • To put (e.g. a vase) down carefully in a place
  • To put someone in a certain condition or state
  • (Of the sun) to go lower than the horizon

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

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

control

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US / kən'trəʊl /

UK / kənˈtrol /

A1
  • noun
  • A device designed to operate a machine
  • Participant in experiment that is left untouched
  • Act to dominate or command; make manageable
  • A law limiting the growth or spread of something
  • A place which overseas or manages e.g. a factory
  • verb
  • To direct or influence the behavior of something

though

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US / ðəu /

UK / ðo /

A1
  • adverb
  • Although, despite the fact that

circumstance

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US / 'sɜ:kəmstəns /

UK / ˈsɚkəmˌstæns /

A2
  • noun
  • Condition or fact that affects a situation

for

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US / fə(r) /

UK / fɔr,fə /

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

nowadays

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US / ˈnaʊədeɪz /

UK / ˈnaʊəˌdez /

A2
  • adverb
  • At the present time; now

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)

worth

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US / wɜ:θ /

UK / wɚθ /

A2
  • other
  • the financial, practical or moral value of somebody/something
  • having a particular value, especially in money

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

website

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US / ˈwebsaɪt /

UK / 'websaɪt /

A1
  • noun
  • Collection of webpages in one location

such

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US / sʌtʃ /

UK / sʌtʃ /

A1
  • determiner
  • Being similar to
  • (Thing) as previously stated or referred to
  • adverb
  • (Used to emphasize the quality of an adjective)

relax

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US / rɪˈlæks /

UK / rɪˈlæks /

A1
  • verb
  • To calm or quiet yourself, or stop worrying
  • To release the tightness in muscles
  • To make a rule or law less strict

sound

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US / saʊnd /

UK / saʊnd /

A1
  • adjecitve
  • Sensible, dependable and reliable
  • Unbroken or undisturbed, as of sleep
  • Firm or solid in structure
  • Sane; not mentally ill
  • Clearly reasoned; involving sense, good judgment
  • noun
  • Unique quality that characterizes a style of music
  • Waves traveling in air or water that can be heard
  • verb
  • To seem or appear to be, from what was said
  • To say in a clear deliberate manner
  • To make a noise, e.g. to ring a bell

rich

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US / rɪtʃ /

UK / rɪtʃ /

A1
  • adjecitve
  • Having a lot of money or valuable possessions
  • Containing a lot of exciting events or experiences and therefore very interesting
  • (of a color, sound, smell, etc.) Pleasantly deep or strong
  • If food is rich, it contains a large amount of oil, butter, eggs, or cream.

overall

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US / ˌəʊvər'ɔ:l /

UK / ˈovɚˌrɔl /

A2
  • adjecitve
  • Viewed as a whole; in general, not as details

per

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US / pə(r) /

UK / pɚ /

A2
  • preposition
  • In the manner directed or suggested
  • For each; during each

nicely

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US / ˈnaɪsli /

UK / 'naɪslɪ /

A2
  • adverb
  • In a pleasing way; in a polite way

job

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US / dʒɒb /

UK / dʒɑ:b /

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

definitely

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US / ˈdefɪnətli /

UK / ˈdefɪnətli /

A2
  • adverb
  • Without question; beyond doubt

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

reduce

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US / rɪ'dju:s /

UK / rɪˈdus, -ˈdjus /

A2
  • verb
  • To try to decrease, e.g. your weight if overweight
  • To boil a liquid until it has decreased in amount
  • To make something smaller in size, amount, level

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

approximately

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US / əˈprɒksɪmətli /

UK / əˈprɑksəmɪtlɪ /

A2
  • adverb
  • Around; nearly; almost; about (a number)

skewed

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US / skjuːd /

UK / skjuːd /

C2
  • adjecitve
  • Not accurate or correct; biased
  • verb
  • To affect data making them incorrect or inaccurate
  • To affect ideas/thoughts making them incorrect

most

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US / məʊst /

UK / most /

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

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

kid

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US / kɪd /

UK / kɪd /

A2
  • adjecitve
  • Made from young goat skin
  • noun
  • Child or young person
  • Young goat
  • verb
  • To make fun of someone in a gentle way; to tease

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

maintain

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US / meɪn'teɪn /

UK / menˈten /

A2
  • verb
  • To keep saying something a certain way
  • To keep (machine) working by checking, repairing
  • To keep, exist or continue without changing

keep

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US / ki:p /

UK / kip /

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

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

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

median

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US / ˈmi:diən /

UK / ˈmidiən /

B2
  • adjecitve
  • Being in the middle or average
  • noun
  • Middle of an ordered set of numbers

from

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US / frəm /

UK / frʌm, frɑm,frəm /

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

anything

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US / ˈeniθɪŋ /

UK / ˈɛniˌθɪŋ /

A1
  • pronoun
  • A thing of any kind

two

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US / tu: /

UK / tu /

A1
  • number
  • 2

only

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US / ˈəunli /

UK / ˈonli /

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

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

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

completely

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US / kəmˈpli:tli /

UK / kəmˈpliːtli /

A1
  • adverb
  • In every way or as much as possible

affect

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US / ə'fekt /

UK / əˈfɛkt /

A2
  • verb
  • To cause a change in something else

sometimes

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US / ˈsʌmtaɪmz /

UK / ˈsʌmˌtaɪmz /

A1
  • adverb
  • Only at certain times; occasionally

real

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US / rɪəl /

UK / ˈriəl, ril /

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

guide

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US / ɡaɪd /

UK / ɡaɪd /

A2
  • noun
  • Book or a magazine containing information/advice
  • Person leading others visiting an unknown place
  • verb
  • To help or advise someone about something
  • To control missile to hit a target by radio signal
  • To lead people visiting a new or unknown place

another

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US / əˈnʌðə(r) /

UK / əˈnʌðɚ /

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

teen

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US / ti:n /

UK / tin /

B1
  • noun
  • Teenager

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

poor

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US / pʊə(r) /

UK / pʊr /

A1
  • adjecitve
  • Inferior; below the normal standard
  • Deserving of pity or sympathy
  • Without money; not rich

hopefully

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US / ˈhəʊpfəli /

UK / ˈhopfəli /

A2
  • adverb
  • In a manner wishing something to happen

happily

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US / ˈhæpɪli /

UK / ˈhæpɪli /

A2
  • adverb
  • In a fortunate, lucky, or timely manner

estate

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US / ɪˈsteɪt /

UK / ɪˈstet /

A2
  • noun
  • A large piece of land, usually with a large house
  • Group of houses all built at the same time

back

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US / bæk /

UK / bæk /

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

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

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

marry

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US / 'mærɪ /

UK / ˈmæri /

A1
  • verb
  • To become the husband or wife of someone
  • To perform a marriage ceremony

help

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US / help /

UK / hɛlp /

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

decide

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US / dɪ'saɪd /

UK / dɪˈsaɪd /

A2
  • verb
  • To make a choice or choose after thinking about it
  • To make a legal judgment in court
  • to affect the result of something

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

any

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US / 'enɪ /

UK / ˈɛni /

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

aim

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US / eɪm /

UK / em /

A2
  • noun
  • Act of pointing something at a target
  • Purpose or goal
  • verb
  • To point something at a target
  • To intend to get a thing or for a thing to happen

weight

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US / weɪt /

UK / wet /

A2
  • noun
  • How heavy something is
  • Metal object to measure how heavy something is
  • Importance, power, and influence person, thing has
  • A source of worry, sadness, or emotional stress

video

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US / 'vɪdɪəʊ /

UK / ˈvɪdiˌo /

A2
  • adjecitve
  • Of a moving film, with sound
  • noun
  • Recording capturing action with sound
  • verb
  • To make a moving film of, with sound

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

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

safety

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US / ˈseɪfti /

UK / ˈsefti /

A1
  • noun
  • Device on a gun to prevent accidental shooting
  • State of being free from harm or danger

seven

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US / ˈsevn /

UK / ˈsɛvən /

A1
  • number
  • Number 7

online

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US / ˌɒnˈlaɪn /

UK / ˌɑ:nˈlaɪn /

B1
  • adjecitve
  • Connected to the internet

hustle

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US / ˈhʌsl /

UK / ˈhʌsəl /

B2
  • verb
  • To make someone move quickly by pushing them

diversify

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US / daɪˈvɜ:sɪfaɪ /

UK / daɪˈvɜ:rsɪfaɪ /

B2
  • verb
  • To make or become more varied
  • To change something and make it more varied
  • To add more, different businesses to your main one

expect

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US / ɪk'spekt /

UK / ɪkˈspɛkt /

A1
  • verb
  • To believe something is probably going to happen

avoid

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US / ə'vɔɪd /

UK / əˈvɔɪd /

A2
  • verb
  • To prevent from happening
  • To stay away from

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

towards

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US / tə'wɔ:dz /

UK / 'təuədz, twɔ:dz /

A1
  • preposition
  • In the direction of someone or something

silly

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US / 'sɪlɪ /

UK / ˈsɪli /

A2
  • adjecitve
  • Careless
  • Acting funny or playfully
  • Not being serious or important

ramp

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US / ræmp /

UK / ræmp /

B2
  • noun
  • Path that increases in height as you walk up it
  • verb

income

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US / ˈɪnkʌm /

UK / ˈɪnˌkʌm /

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

financially

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US / fə'nænʃəlɪ /

UK / faɪˈnænʃəlɪ /

A2
  • adverb
  • From a financial point of view

fifth

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US / fɪfθ /

UK / fɪfθ /

A1
  • noun
  • 5th

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

decision

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US / dɪ'sɪʒn /

UK / dɪˈsɪʒən /

A1
  • noun
  • Choice made after thinking; final judgment
  • Ability to make quick and confident choices

breeze

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US / bri:z /

UK / briz /

B1
  • noun
  • Soft movement of air
  • verb
  • To act in a confident way; walk, enter confidently
  • To complete something easily; find success

achieve

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US / ə'tʃi:v /

UK / əˈtʃiv /

A2
  • verb
  • To succeed in doing good, usually by working hard

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

stock

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US / stɒk /

UK / stɑk /

B2
  • adjecitve
  • (E.g. of a response) standard; usual; not original
  • noun
  • Animals such as cattle kept for breeding
  • Tasty liquid added to stews, soups etc.
  • Merchandise; goods kept by a business for sale
  • Piece of a business, bought in the form of shares
  • verb
  • To keep some of, as items for sale

understand

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US / ˌʌndə'stænd /

UK / ˌʌndɚˈstænd /

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

study

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US / 'stʌdɪ /

UK / ˈstʌdi /

A1
  • noun
  • Room that a person studies or reads in
  • Piece of research
  • Topic or subject you research or learn about
  • verb
  • To focus on learning something usually at school

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

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

necessary

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US / 'nesəsərɪ /

UK / ˈnɛsɪˌsɛri /

A1
  • adjecitve
  • Needed or required; unavoidable

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

interested

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US / ˈɪntrəstɪd /

UK / ˈɪntrɪstɪd, -tərɪstɪd, -təˌrɛstɪd /

A1
  • adjecitve
  • Having had your attention taken; curious
  • verb
  • To make someone want to know about something
  • To persuade to do, become involved with something

compare

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US / kəm'peə(r) /

UK / kəmˈpɛr /

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

award

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US / ə'wɔ:d /

UK / əˈwɔrd /

A2
  • noun
  • Prize given to you because you did something well
  • verb
  • To give a prize for doing something well

tolerance

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US / ˈtɒlərəns /

UK / ˈtɑ:lərəns /

B1
  • noun
  • Ability to adjust to changes, your environment etc.
  • The space between metal objects e.g. in engines
  • Ability to survive in a difficult environment
  • Willingness to let others think or do as they wish

wise

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US / waɪz /

UK / waɪz /

A2
  • adjecitve
  • Knowledgeable about life; having good judgment

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.

subscribe

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US / səb'skraɪb /

UK / səbˈskraɪb /

B1
  • verb
  • To regularly pay to receive a service

same

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US / seɪm /

UK / sem /

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

carry

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US / ˈkæri /

UK / ˈkæri /

A1
  • verb
  • To have a child, be pregnant
  • To have a disease you might give to others
  • (Of stores) to sell a particular product
  • To hold something and move it to another place
  • To travel a long distance (sound)
  • To support the weight or burden of something

become

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US / bɪ'kʌm /

UK / bɪˈkʌm /

A1
  • verb
  • To begin to be; grow to be; develop into
  • To be suitable for a particular job or role

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

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

especially

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US / ɪˈspeʃəli /

UK / ɛˈspɛʃəli, ɪˈspɛʃ- /

A1
  • adverb
  • More than usual; extremely

amount

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US / ə'maʊnt /

UK / əˈmaʊnt /

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

curtis

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US / ˈkɜːtis /

UK / ˈkɜːrtɪs /

A1

leverage

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US / 'li:vərɪdʒ /

UK / ˈlɛvərɪdʒ, ˈlivə- /

B2
  • noun
  • An advantage which gives you influence or power
  • verb
  • To use an advantage which gives you influence

personal

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US / ˈpɜ:sənl /

UK / ˈpɚsənəl /

A2
  • adjecitve
  • Done by or to a particular person; individual
  • Concerning a person's private life or feelings

success

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US / sək'ses /

UK / səkˈsɛs /

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

score

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US / skɔ:(r) /

UK / skɔr, skor /

A2
  • noun
  • A sharp mark or cut in the surface of something
  • Current number of points given in a game, contest
  • The written notes and parts of a piece of music
  • An achievement of success
  • Number of points on a test
  • verb
  • To mark or cut something with a sharp object
  • To get or give points in a game, contest, or test
  • To achieve success with something
  • To get points in a test

consumer

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US / kənˈsju:mə(r) /

UK / kənˈsumɚ /

A2
  • noun
  • Person who buys goods or services

card

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US / kɑ:d /

UK / kɑ:rd /

A1
  • noun
  • One of 54 pieces of paper used in a game of cards
  • Small piece of paper or plastic used as ID
  • verb
  • (Golf) to record how many hits you took

fully

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US / 'fʊlɪ /

UK / ˈfʊli /

A1
  • adverb
  • Completely or entirely

insurance

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US / ɪnˈʃʊərəns /

UK / ɪnˈʃʊrəns /

A2
  • noun
  • Protection against loss/injury/death you pay for

home

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US / həʊm /

UK / hom /

A1
  • adjecitve
  • A sports team's own field or place of play
  • adverb
  • Into the correct or intended position
  • noun
  • House, apartment or building to be rented or sold
  • Institution for sick or elderly people
  • Place where a person or a family lives
  • Country where a person lives or was born
  • Region that is native to peoples, plant or animals
  • verb
  • To move towards a particular target location

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)

purpose

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US / 'pɜ:pəs /

UK / ˈpɚpəs /

A2
  • noun
  • Reason for which something is done; aim; goal

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

depend

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US / dɪˈpend /

UK / dɪˈpend /

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

foundation

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US / faunˈdeiʃən /

UK / faʊnˈdeʃən /

C1
  • noun
  • Base or important starting point
  • Underground base on which building is constructed
  • Institution supported by a private fund
  • First cosmetic used when putting on makeup
  • Action of establishing an organization

news

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US / nju:z /

UK / nu:z /

A1
  • noun
  • Broadcast on radio or TV about recent events
  • Information about recent events

difficulty

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US / ˈdɪfɪkəlti /

UK / ˈdɪfɪˌkʌlti, -kəl- /

A1
  • noun
  • Something that is hard to do

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

firm

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US / fɜ:m /

UK / fɚm /

A2
  • adjecitve
  • Fairly hard or solid, not soft
  • Unchanging and strong
  • noun
  • Company that sells goods or services
  • verb
  • To make something become more solid or durable

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

crypto

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US / 'krɪptəʊ /

UK / 'krɪptoʊ /

A1
  • noun
  • One who covertly supports a certain doctrine, group, or party.

hard

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US / hɑ:d /

UK / hɑː(r)d /

A1
  • adjecitve
  • Difficult to do; difficult to understand
  • (Of facts) not able to be misunderstood; clear
  • (Of alcohol) strong
  • Involving or requiring lots of work, effort, care
  • Being full of pain, trouble, and problems
  • Strong
  • (Of edge) clear; sharp
  • Difficult to bend, break or cut; solid
  • adverb
  • With lots of force, power, or impact

serious

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US / ˈsɪəriəs /

UK / ˈsɪriəs /

A1
  • adjecitve
  • Giving something great energy or sincerity
  • Needing thought or concentration; important; grave
  • Being sincere about something; not joking

second

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US / 'sekənd /

UK / ˈsɛkənd /

A1
  • adjecitve
  • 2nd; the one following first
  • noun
  • Unit of time; one sixtieth of a minute
  • Short period of time that you wait for someone
  • (Do) soon
  • verb
  • To agree to support a proposal at a meeting

cause

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US / kɔ:z /

UK / kɔz /

A2
  • noun
  • Belief, goal or organization that people support
  • Reason for
  • verb
  • To make something happen; create effect or result

favourable

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US / ˈfeɪvərəbl /

UK / ˈfeɪvərəbl /

B2
  • adjecitve
  • When a good result or positive outcome is likely

fund

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US / fʌnd /

UK / fʌnd /

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

place

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US / pleɪs /

UK / ples /

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

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

understanding

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US / ˌʌndəˈstændɪŋ /

UK / ˌʌndərˈstændɪŋ /

A1
  • adjecitve
  • Being sympathetic
  • noun
  • When you get the meaning correctly; comprehension
  • Knowledge about something or someone
  • verb
  • To know the meaning of language, what someone says

access

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US / 'ækses /

UK / ˈæksɛs /

A2
  • noun
  • Way to enter a place, e.g. a station or stadium
  • verb
  • To be able to use or have permission to use

family

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US / 'fæməlɪ /

UK / ˈfæmli /

A1
  • noun
  • Close group of people or organizations
  • A group of people who are related through blood
  • Group of related plants or animals

down

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US / daʊn /

UK / daʊn /

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

during

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US / ˈdjʊərɪŋ /

UK / ˈdʊrɪŋ, ˈdjʊr- /

A1
  • preposition
  • At some point in the course of an event or thing

student

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US / ˈstju:dnt /

UK / ˈstudnt, ˈstjud- /

A1
  • noun
  • Person studying at school

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

happen

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US / 'hæpən /

UK / ˈhæpən /

A1
  • verb
  • To take place or occur

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

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

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

care

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US / keə(r) /

UK / kɛr /

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

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

independent

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US / ˌɪndɪˈpendənt /

UK / ˌɪndɪˈpɛndənt /

A2
  • adjecitve
  • Making your own decisions; acting by yourself
  • noun
  • A person not connected to a political party

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

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

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’

annual

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US / ˈænjuəl /

UK / ˈænjuəl /

A2
  • adjecitve
  • Happening once a year, or every year
  • noun
  • Book (in a series) released each year

absolutely

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US / ˈæbsəlu:tli /

UK / ˈæbsəˌlutli, ˌæbsəˈlutli /

A2
  • adverb
  • Completely; totally; very

case

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US / keɪs /

UK / kes /

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

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

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

energy

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US / 'enədʒɪ /

UK / ˈɛnədʒi /

A2
  • noun
  • Physical or mental strength

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

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

priority

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US / praɪ'ɒrətɪ /

UK / praɪˈɔrɪti, -ˈɑr- /

B1
  • noun
  • Thing that is more important/urgent than others

require

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US / rɪ'kwaɪə(r) /

UK / rɪˈkwaɪr /

A2
  • verb
  • To demand that someone does something
  • To need to do something, to make it necessary

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

watch

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US / wɒtʃ /

UK / wɑtʃ /

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

fatal

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US / ˈfeɪtl /

UK / ˈfetl /

B1
  • adjecitve
  • Causing death; having very bad consequences
  • Causing negative results

monthly

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US / ˈmʌnθli /

UK / ˈmʌnθli /

A2
  • adverb
  • Occurring about once every 4 weeks

house

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US / haʊs /

UK / haʊs /

A1
  • noun
  • Place where a specific activity or business occurs
  • Building in which a family, person lives
  • verb
  • To give someone a place to live
  • To contain or store something

least

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US / li:st /

UK / list /

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

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

value

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US / 'vælju: /

UK / ˈvælju /

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

bill

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US / bɪl /

UK / bɪl /

A2
  • noun
  • Plan for a new law being discussed by a government
  • Sign or poster advertising something
  • Paper money; a bank note
  • Piece of paper showing what you have to pay
  • Hard, often pointed part of a bird's mouth
  • Person's name
  • verb
  • To request payment by handing over an invoice

hit

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US / hɪt /

UK / hɪt /

A1
  • noun
  • A planned killing, usually for money
  • Song, movie etc. that is successful
  • When someone strikes someone or something
  • Time when a player makes contact with the ball
  • Time when a website is accessed
  • verb
  • To have a negative impact on a person/place/thing
  • To press something, such as a button or switch
  • To suddenly realize the importance of something
  • To move your hand, a bat, etc. against with force
  • To fight, attack or damage something or someone
  • To arrive at a specific place, level, or goal
  • To make contact with the ball in a game or sport

shy

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US / ʃaɪ /

UK / ʃaɪ /

A2
  • adjecitve
  • Afraid of meeting people; lacking self-confidence
  • Being less than the full or expected amount
  • verb
  • To move away due to nervousness

stay

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US / steɪ /

UK / ste /

A1
  • noun
  • Legal order to stop or delay an action
  • Strong rope or wire that supports a ship's mast
  • Period of time spent living in or visiting a place
  • verb
  • To keep trying without giving up
  • To remain in the same place and not move away
  • To spend time visiting a place or someone's home

feed

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US / fi:d /

UK / fid /

A2
  • noun
  • Food given to animals
  • verb
  • To give food, e.g. to animals or a baby
  • To push something through an opening
  • To provide necessary supplies to

full

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US / fʊl /

UK / fʊl /

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

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

accelerate

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US / əkˈseləreɪt /

UK / ækˈsɛləˌret /

B1
  • verb
  • To cause to occur earlier than expected
  • To increase the speed or rate of something

desirable

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US / dɪˈzaɪərəbl /

UK / dɪˈzaɪrəbəl /

A2
  • adjecitve
  • Being wanted; worth try to get
  • (Sexually) pleasing; attractive

dangerous

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US / ˈdeɪndʒərəs /

UK / ˈdendʒərəs /

A1
  • adjecitve
  • Involving the chance of hurt or damage; risky

datum

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US / ˈdeɪtəm /

UK / ˈdetəm, ˈdætəm, ˈdɑtəm /

B1
  • noun
  • Item of factual information

downgrade

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US / ˌdaʊnˈgreɪd /

UK / ˈdaʊnˌɡred /

C2
  • verb
  • To rate lower; to lower in value or esteem

his

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US / hɪz /

UK / hɪz /

A1
  • pronoun
  • Something belonging to a male person

honest

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US / ˈɒnɪst /

UK / ˈɑnɪst /

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

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)

spending

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US / ˈspendɪŋ /

UK / ˈspɛndɪŋ /

A2
  • verb
  • To use money to pay for something
  • To use time in order to do something
  • To use up something completely

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

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

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

last

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US / lɑ:st /

UK / læst /

A1
  • adjecitve
  • Most recent; the latest
  • The one before
  • adverb
  • Final; with nothing following; after all others
  • Most recent; the latest
  • determiner
  • The one at the end
  • verb
  • To remain or continue for a certain period of time

legally

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US / 'li:ɡəlɪ /

UK / ˈliɡl:ɪ /

A2
  • adverb
  • In a way that is allowed by or related to laws

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

six

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US / sɪks /

UK / sɪks /

A1
  • number
  • 6

end

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US / end /

UK / ɛnd /

A1
  • noun
  • The point where a process or activity stops
  • A point that marks the limit of something; finish
  • Goal or desired result
  • The tip, edge or limit of something
  • verb
  • To be the last part of something

focus

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US / 'fəʊkəs /

UK / ˈfokəs /

A2
  • noun
  • Main purpose or center of interest or activity
  • verb
  • To see clearly by adjusting your eyes or a camera
  • To keep your attention, concentration on one thing

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

manage

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US / ˈmænɪdʒ /

UK / ˈmænɪdʒ /

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

clear

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US / klɪə(r) /

UK / klɪr /

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

mind

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US / maɪnd /

UK / maɪnd /

A1
  • noun
  • One's opinion or way of thinking about something
  • Part of humans that allows us to think or feel
  • verb
  • To be bothered or upset by something
  • To take care of someone e.g. as a bodyguard

raise

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US / reɪz /

UK / rez /

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

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

federal

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US / 'fedərəl /

UK / ˈfɛdərəl, ˈfɛdrəl /

B1
  • adjecitve
  • Consisting of several united states

month

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US / mʌnθ /

UK / mʌnθ /

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

unexpected

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US / ˌʌnɪkˈspektɪd /

UK / ˌʌnɪkˈspektɪd /

B2
  • adjecitve
  • Surprising because it was not expected

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

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

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

competition

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US / ˌkɒmpəˈtɪʃn /

UK / ˌkɑmpɪˈtɪʃən /

A2
  • noun
  • Fighting against others to win something

know

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US / nəʊ /

UK / noʊ /

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

willing

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US / 'wɪlɪŋ /

UK / ˈwɪlɪŋ /

A2
  • adjecitve
  • Act of making a choice
  • verb
  • To leave property to someone after your death
  • To use mental effort to make something happen
  • To influence someone to do something
  • To make something happen by strongly wanting it

wear

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US / weə(r) /

UK / wer /

A1
  • noun
  • Clothing designed for a purpose e.g. skiing
  • Damage from continual use over a long period
  • verb
  • To have clothes, glasses, shoes etc. on your body
  • To display an expression or emotion on the face
  • To become weaker or damaged from continued use

trust

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US / trʌst /

UK / trʌst /

A2
  • noun
  • Wealth or property held by one person for another
  • The belief that someone is honest
  • Care or responsibility of a person
  • verb
  • To expect confidently
  • To have confidence or faith
  • To be confident someone is honest and reliable
  • To believe someone to be honest and reliable

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

car

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US / kɑ:(r) /

UK / kɑr /

A1
  • noun
  • A vehicle with wheels and engine to carry people

low

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US / ləʊ /

UK / lo /

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

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)

area

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US / 'eərɪə /

UK / ˈɛriə /

A1
  • noun
  • Amount of measured space
  • A specific section or space; part of a region
  • A subject or field of study

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

flick

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US / flɪk /

UK / flɪk /

B1
  • noun
  • Hitting something with your finger to move it
  • verb
  • To hit something with your finger to move it
  • To move a button, switch from on, off positions

knowledge

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US / ˈnɒlɪdʒ /

UK / ˈnɑlɪdʒ /

A1
  • noun
  • Information, understanding, or skill

market

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US / ˈmɑ:kɪt /

UK / ˈmɑ:rkɪt /

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

plus

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US / plʌs /

UK / plʌs /

A2
  • noun
  • A benefit or advantage
  • preposition
  • In addition; add
  • In addition to; Indicates a number above
  • Having a value greater than zero

side

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US / saɪd /

UK / saɪd /

A1
  • adjecitve
  • In addition to the central or most important thing
  • Next to, or very close to, the right or left of
  • noun
  • Position or opinion that is opposite to another
  • Right or left part of a person's body
  • Feature of someone's personality
  • Straight edge of an object
  • One of two or more groups fighting each other
  • verb
  • To decide to agree with one point, not the other

ste

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US / ˈstætʃu:t /

UK / ˈstætʃut /

A1

too

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US / tu: /

UK / tu /

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

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

develop

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US / dɪ'veləp /

UK / dɪˈvɛləp /

A1
  • verb
  • To explain something in steps and in detail
  • To create or think of something
  • To grow bigger, more complex, or more advanced
  • To make a photograph from film

ever

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US / 'evə(r) /

UK / ˈɛvɚ /

A1
  • adverb
  • At any time; at all times in the future

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

heavily

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US / ˈhevɪli /

UK / hɛvəli /

A2
  • adverb
  • In a slow, loud manner
  • A lot or to a great degree
  • With great effort or force

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

skill

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US / skɪl /

UK / skɪl /

A2
  • noun
  • Ability to do something well

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

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

third

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US / θɜ:d /

UK / θɜ:rd /

A1
  • adjecitve
  • 3rd: Number after second

discount

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US / ˈdɪskaʊnt /

UK / ˈdɪsˌkaʊnt /

A2
  • noun
  • A decrease in the price of something
  • verb
  • To consider to be not important or not true
  • To decrease the price of something
  • To refuse to accept an idea, suggestion as valid

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

isa

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US / ˈaɪsə , ˌaɪ es ˈeɪ /

UK / ˈaɪsə , ˌaɪ es ˈeɪ /

A1
  • abbreviation
  • Industry standard architecture, a standard for connecting computers and their peripherals.
  • noun
  • (in the UK) an individual savings account, a program allowing individuals to hold cash, shares, and

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

small

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US / smɔ:l /

UK / smɔl /

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

tool

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US / tu:l /

UK / tul /

A2
  • noun
  • Device used to make things, e.g. a hammer
  • verb
  • To provide a workshop with the right equipment

try

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US / traɪ /

UK / traɪ /

A1
  • noun
  • Act of putting the ball over the rugby goal line
  • verb
  • To make an effort, to attempt to do something
  • To examine someone or something in a court of law
  • To test to see if it is good or you like it
  • To make a person go through hardship; test
  • To examine something to see if it works

four

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US / fɔ:(r) /

UK / fɔr, for /

A1
  • number
  • 4

passive

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US / ˈpæsɪv /

UK / ˈpæsɪv /

B1
  • adjecitve
  • Allowing things to happen with quiet acceptance
  • With sentence's subject being what verb acts on

probably

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US / ˈprɒbəbli /

UK / ˈprɑbəbli /

A1
  • adverb
  • That is likely to happen or be true

while

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US / waɪl /

UK / hwaɪl, waɪl /

A1
  • conjunction
  • In spite of the fact that; although
  • During the time that; at the same time
  • noun
  • Short amount of time

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

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

exactly

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US / ɪgˈzæktli /

UK / ɪɡˈzæktli /

A1
  • adverb
  • No more and no less than; precisely

exit

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US / ˈeksɪt /

UK / ˈɛɡzɪt, ˈɛksɪt /

A2
  • noun
  • A door that you go through to leave a place
  • Act of leaving a place
  • verb
  • To leave a certain place
  • To stop a computer program after using it

balance

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US / ˈbæləns /

UK / ˈbæləns /

A2
  • noun
  • Instrument for weighing things
  • Being stable; having equal weight on both sides
  • Money remaining after paying costs
  • verb
  • To be steady by having equal weight on both sides
  • To make two or more things equal

massive

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US / ˈmæsɪv /

UK / ˈmæsɪv /

B1
  • adjecitve
  • Very big; large; too big

should

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US / ʃʊd /

UK / ʃʊd /

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

actually

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US / ˈæktʃuəli /

UK / ˈæktʃuəli /

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

bracket

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US / ˈbrækɪt /

UK / ˈbrækɪt /

B2
  • noun
  • Placement of a word or words within ( ) [ or ]
  • Category including a range of people/things
  • 90ツー piece of metal used to support a shelf, etc.
  • verb
  • To place a word or words within ( ) [ or ]
  • To put into the same category or range together

sell

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US / sel /

UK / sɛl /

A1
  • verb
  • To exchange something for money
  • To persuade people to do, like or agree

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

consider

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US / kən'sɪdə(r) /

UK / kənˈsɪdər /

A1
  • verb
  • To think carefully about something

debt

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US / det /

UK / dɛt /

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

true

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US / tru: /

UK / tru: /

A1
  • adjecitve
  • Agreeing with the facts; not false; real or actual

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

expense

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US / ɪk'spens /

UK / ɪkˈspɛns /

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

itself

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US / ɪtˈself /

UK / ɪtˈsɛlf /

A1
  • pronoun
  • Referring to it

many

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US / 'menɪ /

UK / ˈmɛni /

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

net

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US / net /

UK / nɛt /

A2
  • adjecitve
  • Remaining amount after something is taken away
  • noun
  • Internet
  • Crossed rope, fibers with partly open pattern
  • Crossed ropes that make up the back of a goal
  • verb
  • To catch or cover something in a mesh, often fish
  • To gain or earn a certain amount of money
  • To hit a ball into a goal during a sports event

liquid

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US / ˈlɪkwɪd /

UK / ˈlɪkwɪd /

A2
  • adjecitve
  • (Of wealth) being able to be spent as cash
  • In a state of being uncertain
  • Moving in a flowing manner, like water or oil
  • noun
  • Something that is similar to the state of water

reward

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US / rɪ'wɔ:d /

UK / rɪˈwɔrd /

A2
  • noun
  • Money given for information about criminals
  • verb
  • To give something because of someone's good work
  • To give someone money for helping the police
  • To give someone satisfaction for what they did

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
  • Subtitles section
  • If you aren't where you want to be in life, don't worry, because you really shouldn't be comparing yourself to other people.
  • That's downright delusional, but it's probably the kind of thing you thought I'd say.
  • This kind of thinking has led to schools giving out awards for just taking part.
  • But I've got news for you.
  • In life, you only get rewarded if you put in the hard work, and whether you like it or not, we're all in a massive competition.
  • So if you aren't interested in playing, go and watch a MrBeast video instead.
  • Age 18 to 24 years old.
  • According to the survey of consumer finance conducted by the Federal Reserve, the average net worth of 18 to 24-year-olds is approximately $28,707.
  • However, this figure is heavily skewed upwards, as the top 10% hold 70% of the wealth, and the top 50% hold 98%.
  • In fact, the median net worth of 18 to 24-year-olds is only about $8,216.
  • For the purpose of this video, we'll define rich as having a net worth 20% higher than the average.
  • Therefore, if you want to be considered rich in this age bracket, you need a net worth of $34,448 or more.
  • This doesn't mean that you need to have this amount of money sitting in your bank account.
  • Instead, it comes from adding up all of your assets and taking away your liabilities.
  • So here are some targets I think you should hit if you're serious about reaching this figure.
  • First, you should create an emergency fund.
  • Life is full of unexpected surprises.
  • I know in my late teens, my car engine exploded, which was a nightmare.
  • That's why it's important to have three to six months worth of spending saved up in an emergency fund.
  • This will give you a bit of peace of mind and a financial safety net in case you ever need it.
  • Second, try to avoid bad debt.
  • Of course, I understand student loans can sometimes be necessary if the job you're pursuing requires a degree.
  • So this all depends on your individual circumstances.
  • Third, get a credit card.
  • A credit card can be a great tool for building your credit score and avoiding high interest rates, but it can also be a dangerous trap.
  • Use it responsibly by paying off the balance in full each month.
  • Fourth, invest in yourself.
  • Your human capital is your greatest asset.
  • Invest in yourself by developing your skills and knowledge.
  • This will increase your earning potential, make you far more desirable in the workforce, and give you a better chance at success if you decide to start your own business.
  • And fifth, learn about the stock market.
  • The stock market can seem intimidating, but it's actually a great way to build wealth over time.
  • Open a brokerage account and start learning about investing.
  • Many brokerage firms offer free stocks to new customers.
  • The best I've found is Moomoo, who have given away 15 free stocks, each worth between three and $2,000.
  • So take advantage of these offers to start building your portfolio.
  • I'll leave some links down below where you can pick some up, depending on where you are in the world.
  • So overall, I'd rate this a three out of five on the difficulty scale.
  • At this point, it's all about setting a great foundation for your life.
  • I honestly feel that great financial habits are made during this age bracket.
  • If you haven't done these things yet, then it's not too late, but it can be harder to get back on track.
  • 25 to 29-year-olds.
  • If we go back to the same study by the Federal Reserve, the average net worth of a 25 to 29-year-old is $49,388, and the median is even further behind at $7,512.
  • This median net worth is actually lower than in the last age bracket.
  • This could be due to many early 20-year-olds not understanding their finances and managing them correctly, causing the gap between the rich and the poor to grow.
  • If you want to be considered rich between 25 and 29 years old, then you need to have a net worth of $59,265 or over by hitting the following milestones.
  • First, save up one year's worth of your spending.
  • This should be easy to access in the case of an emergency, but it doesn't have to all be in cash.
  • My son Curtis likes to put some of his money into watches as he can wear them when he wishes.
  • These can easily be sold if he ever needs the cash.
  • Second, if you have any student loans, pay them off.
  • In fact, if you ended up getting into any bad debt, then make sure this is all paid off.
  • This will be a huge weight off your shoulders as these loans just bleed you dry.
  • Third, you should have a credit score of 750 or higher.
  • A good credit score is important for getting approved for loans and credit cards with favorable terms.
  • This is very easy to do over the course of about three years if you use your credit card correctly by paying your bills on time and keeping your credit utilization low.
  • Fourth, you need to start making good money.
  • I don't mind how you do it.
  • It could be from a high paid job, a side hustle, or a business.
  • I mean, nowadays it's so easy to set up a simple website and start making passive income online.
  • Hosting are great and give you everything you need for under $3 per month.
  • You can even get a free domain with their annual plans.
  • I'll leave a link below with a 10% discount.
  • Fifth, you should be investing 10 to 15% of your income.
  • This could be in absolutely anything, such as stocks, real estate, watches, businesses, or dare I say it, crypto.
  • You just have to pick the area you understand the most and run with it.
  • Early on, don't try to be too diversified.
  • While you're young, you can afford to take more risk.
  • So find your specific area of interest and learn as much as you can about it.
  • Sixth, you should be completely financially independent from your parents.
  • I'm a big believer in staying at home for as long as you can, but you can only do this for so long.
  • So overall, our rate is a five out of five on a difficulty scale.
  • At this point, it's all about increasing your income and taking a few risks.
  • This can be hard for a lot of people to do.
  • They're either too shy to ask for a raise or start their own business, but this is the time to do it.
  • The fatal error people make is they're focusing too much on saving and not enough on earning.
  • I mean, you can save your way to being rich on a low wage, but you won't get there very fast.
  • 30-year-olds.
  • According to the study, the average net worth of 30-year-olds is $198,406, and the median is $45,315.
  • This is when things really start ramping up.
  • So if we use the 20% rule, then if you wanna be rich, you should be aiming for a net worth of $238,087 or more.
  • I know this sounds like quite a lot.
  • However, if you can just focus on hitting these milestones, then it should take care of itself.
  • First, save up four years worth of your spending.
  • As I said before, this doesn't have to be all held in cash.
  • To be honest, this would be a bit silly.
  • You want it invested in liquid assets.
  • Second, consider buying a house for yourself.
  • I'm quite against buying a personal property in the early days, but there is something to having your own house and not having to pay rent every month.
  • It'll also hopefully go up in value, which will add to your net worth over time.
  • Third, maximize your tax-free savings.
  • Take advantage of tax-free savings accounts such as 401ks, Roth IRAs, and ISAs in the UK. These accounts allow you to save money on taxes, which trust me, really start to sting when you get into the higher earner brackets.
  • So make sure you save as much as you can from the taxman.
  • Fourth, invest 20% of your income.
  • Now might be the time to become a little bit more diversified.
  • It all depends on your risk tolerance.
  • I know during my 30s, I was happy to accept a smaller return on my money as I had a family and I didn't wanna risk their good standard of living.
  • I could happily sleep on my mate's couches, but I couldn't expect my wife and kid to do that.
  • I'd rate this a three out of five on the difficulty scale.
  • At this point, everything is in place and it's just down to how you manage it.
  • The biggest risk here is letting changes in your life like getting married and having kids affect your progress.
  • 40 to 49-year-olds.
  • Looking at the data, the average net worth of 40-year-olds
  • Is $692,597 and the median is $145,771.
  • These years should be some of your highest earning.
  • Your value is at its highest it's ever been and your investment should be starting to pay off nicely.
  • If you wanna be rich, then you should aim to have a net worth of over $831,116 and hit these milestones.
  • First, you should have at least 10 years worth of spending saved in liquid investments.
  • The 25X rule is a common way to figure out exactly how much you'll need to retire and maintain the same standard of living.
  • So it's definitely worth hitting this target.
  • Otherwise, when it comes to retire, you might have to downgrade your lifestyle.
  • Second, get your mortgage fully paid off on your home.
  • Now, I'm all for leveraging debt, but when it comes to your personal residence, it's well worth getting it paid off and always knowing you won't have to worry about making payments during your retirement.
  • Third, start investing 30% of your income.
  • As I mentioned, you're now in the golden years of making money, so you can afford to put a little bit more away.
  • This will help accelerate you towards your retirement goal.
  • Fourth, if you own a business, it's a good idea to plan for an exit towards the end of your 40s.
  • This will provide you with a substantial amount of money to invest.
  • If you wait too long, that money may not have enough time to grow before you retire.
  • Another option is to bring on a new CEO to run your business and guide it with your help.
  • As you get older, you may not have the same level of energy, so this can be a wise decision for both you and the business.
  • I'd rate this a two out of five on the difficulty scale.
  • By this point, you could be married with kids, so I can't see there being too many lifestyle changes that will impact your financial goals.
  • 50 years old plus.
  • The Fed found that the average net worth of people in their 50s is $1,031,570.
  • The median is $182,454.
  • This is where you can start to really relax because if you've hit all the milestones I've discussed, at this point, your money will be doing most of the work for you.
  • In this age bracket, you should be aiming for a net worth of $1,237,884 or more if you wanna be considered rich.
  • When you're this age, you should have at least 25 years' worth of spending saved in liquid assets.
  • If you have this, then retirement should be a breeze.
  • Second, aim to clear all debt, and I do mean all debt.
  • Even though good debt, such as low-interest mortgages, can help you build wealth earlier in life, it can become a burden in later years when you have a fixed income.
  • Paying off debt reduces your monthly expenses, and it frees up cashflow for other priorities, such as travel and hobbies.
  • It also provides peace of mind knowing that you don't have to worry about making monthly payments during retirement.
  • Third, make sure to have a will.
  • You legally don't need to have one, but if you've watched this far, then I'm willing to bet you'll want some control over what happens to the money and property you've worked so hard to achieve.
  • Fourth, get life insurance.
  • This is especially true if you're the main earner.
  • It's worth getting some kind of life insurance to carry your family through if you die.
  • Look, I know we don't like to talk about these things, but that's exactly why we should consider it.
  • I'd rate this a one out of five on a difficulty scale.
  • You've done all the hard work at this stage, and now it's down to your investments to do the heavy lifting.
  • If you wanna know the seven things you shouldn't buy if you wanna be rich, then I'm gonna leave that video right up there, but don't click on it just yet.
  • Make sure to subscribe if you wanna grow your wealth.
  • Okay, I'll see you over there.