This is an all English podcast episode, 1505 Phrasal Verbs for money that really pay off.

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Today's phrasal verbs are perfect for a conversation about saving and spending money. Listen in for details on how to use them to connect over this often loaded topic.

Hey, Aubrey, how's it going? Hi, Lindsey, I'm all right, how are you? Oh, my gosh, I'm excited to have you on the show back in the Phrasal Verb series. But yeah, other than that, I'm good.

Feeling good. I know it's a new year.

It's exciting. And I've really loved this phrasal verb series. I'm kind of kind of miss it. But we were talking about doing a fun. So this is the last one where we're actually teaching, you know, new phrasal verbs. And then our last installment in the series, we're going to do a fun review for you guys. So look for that. Very definitely.

Yeah. Check bags, you know, hit subscribe guys, if you have not subscribed, we know that 90 percent of you are subscribed, but there's that remaining five to 10 percent that still need to subscribe. Go ahead and subscribe, guys. Yes, very cool.

OK, so what is the topic then today for phrasal verbs, for listening to talk about phrasal verbs that you might use when you're talking about money with friends? And this is kind of interesting because I don't know about other cultures, but in the United States, we're a little hesitant to talk about money. Are you the same lindsy?

Oh, yeah. It's definitely a taboo topic. Yeah, right.

Well, especially I think there are some aspects of money that might be OK, but obviously like how much money do you have a very or how much have you spent on specific things like noce.

Yeah, very taibu. Oh my gosh. It's so true. Really interesting topic though. I do wonder are their cultures. Yeah I know right.

You guys leave a comment and let us know if it's similar there. If there are things that you wouldn't ask people as far as maybe their salary or what they spend on certain things, I'd be curious. Yeah, I'd be curious to. Guys, come back to the blog. This is episode fifteen or five. Leave a comment. Let us know what is the attitude towards talking about money in your culture.

So cool.

Yeah, but the phrasal verbs we're going to talk about today, these are things that in the United States at least we would talk about. These are things related to money that that we do that we are very comfortable chatting about.

So this will be good. It's the last one in our series. And it's funny, I always have this a list of one of the verbs that we're going to teach all the particles that could go with it. And this might be the longest one.

It's oh my gosh. But overall, we do want to read it over.

OK, here we go, guys. Don't worry. We're not going to learn all these today. This is just the worst case scenario I put out. Put off, put on, put over, put up, put back, put aside, put down, but across and put up with so many.

It could be so overwhelming if you have that list of all the different phrasal verbs with the word put and you're like, OK, now I need to learn. And you realize they all have totally different meanings used in totally different context that would be so overwhelming.

So guys don't do that, don't do it, don't do it right.

Instead, like do like today where we're choosing one situation where you might be chatting with a friend about some things related to money and learn all the phrasal verbs that are related to that one topic. And then when you find yourself in that conversation, in that situation, you'll be able to use them all and speak very negatively about money.

Exactly. Exactly.

And speaking of things that we should do and shouldn't do, you guys should go over and definitely follow our Instagram channel, right? Obree. I mean, what cool stuff are we doing over there these days?

It's gotten really fun, right? We've started posting videos which I love and are so interesting and a lot of good content and also stories which are so fun.

All of us post stories. So you got to make sure we're following all your English on Instagram. Absolutely.

We'll see you guys over there. OK, now it is time to roll up our sleeves aubury and dig in to these phrasal verbs about money. Well, yes, exactly.

OK, so the first one we're going to talk about is just save up, which just means to avoid spending your money or trying to save it for something specific.

So I think this is really interesting because why do we need the app here? I mean, you know, it's one of those where I kind of feel like the app is just optional. Yeah, maybe. Right.

Because so, for example, if you say I'm saving up for a vacation, you could say I'm saving for a vacation. But maybe I feel like when you say saving up it, it means it's bigger. It means that something that you're going to have to save for longer, more money.

Right. I'm saving up means quite a bit of money for something that's going to be quite expensive. Interesting.

OK, yeah. Yeah. So you could get away with just dropping that up and just saying saving.

But again, I also think in addition to what Aubrey said, it gives it a little more personality, a little more connection with your listener guys when you try something new and different, OK, not just textbook English.

So it just does sound more native. If I say, oh, I'm saving for a vacation, we just don't say that. Right. We always say saving up. At least I do. What about you, Lindsey? I always say save up.

Yes, I actually think I say saving, but. But I have. But people do say save up a lot for sure.

I was just having a conversation with a friend on the phone on Sunday and she used the word you might have to save up. Right. Save up for something. Are you saving up for any big. Vacations, any trips, aubury, that you want to take? Oh, that's a good question. Not really. I feel like with a covid, we're kind of restricted in how much we can travel. I know I have I have never been to and my husband and I have always talked about going to Fiji, which is kind of random.

But so I guess we've always kind of been saving up for that trip, though.

It could be several years, though.

Well, what about you? Are you saving up for anything? Oh, my gosh. Well, I'm not spending a lot of money these days because I'm not going anywhere. So I guess in a sense I am saving up. But we're not eating out at restaurants because it's too cold to eat outside.

Right before we were eating outside at restaurants. But we can't do that. So I'm just dying to travel again. I feel like a part of my life is gone gray because I can't travel.

You know, I feel like you really hit on there the difference between saving and saving up because where you're just kind of saving money in general, but not for something specific, you would just say, I'm saving, I'm saving money. But if it's for something specific, a vacation or something you want to buy, that's what I would say. I'm saving up for this specific thing.

That's really good. That's a good idea, because when I first asked you that question, I thought, oh, we don't need the app. It doesn't. But when I think about it more, I think that is the difference. Right. That's the difference. If it's for something specific, you say I'm saving up for this because that would be we would just be like, I'm saving up. The person would be like, what are you saving up for?

Right.

I love how we just all we have to do is listen to ourselves speak and then interpret it for our listeners, like, you know what I mean, to understand the differences that. So it's like a natural roleplay. Pretty natural. Pretty natural. OK, so that's really good guys. Right, that difference down, because that is going to make the difference for you between being an intermediate level speaker and a high level fluent speaker, right?

Exactly. All right. Our next one guy is is put aside, which is similar to save up.

It means you're saving money, but it definitely indicates a regular basis, like they are putting money aside each month for their retirement. Yeah, exactly.

And I also don't know if we have this one later, but I would just add a bonus here. Just set aside is also kind of mean the same thing, right?

I agree. Yeah. It's the same meaning to say set aside or put aside. Definitely just saving up on a pretty regular basis. Exactly. Exactly.

Now this one next one is fun because so this is good. So do to rip off. I mean usually this is used more in the passive form.

Right. So I got ripped off. Right.

Or I guess as a noun that's a rip off. What does it mean. Yeah, exactly right. So there are it just means to, to charge too much money. And we do use that as a verb to say, oh, I got ripped off if I felt like I was charged too much money for something. But we will sometimes say, like, oh, these prices are so high, I feel like I'm getting ripped off in the present continuous, right?

Yes, I like that. So it's so natural. I mean, there's no way that we can learn this in a classroom, that's for sure. No. A lot of times with traveling. Yeah.

You know, it's funny because you go to a place where the expectation is to bargain. Yes.

But the praise might start really high for you as a tourist.

So if you don't bargain, you might get ripped off and you still might get ripped off even if you do bargain, because you know.

That's right.

But you made an interesting point that we also use it as a noun for anything that is overpriced.

We can call it a rip off, which is a rip off. Yeah, that's a rip off. Oh, what a rip off. What a rip off. Yeah, that's really natural. Really natural. OK, and then pay off. So this makes me think of like student loans. Of course. Yes. I think we could do another episode on like the social aspects of all this.

You know, student loans are a huge problem right now. Student loan debt is a huge issue in our country right now.

We actually ended up talking about that on one of our group conversations recently. And it was such an interesting conversation, right? Mm hmm. Yes.

Yeah, I'm just talking about in other countries, it's so different. Some in some countries education is free, but in the United States, it's very expensive for tuition.

And we often end up paying off our student loans for years.

Oh, that's for sure. So to pay off. Okay, the phrasal verb brazo. Here's another example. He hopes to pay off his student loans within the next five years. It's just amazing.

It just means, yeah. Finishing payment that is owed for something. And there's a similar one our next year, which is pay back. The difference for this is this is giving someone money that was borrowed. And so often it's like you said, we associate pay off more with loans, things that take us a long time to pay off. Right. Right, right.

Whereas payback would be often more immediate. Like I borrowed twenty bucks for my daughter. I need to pay her back. Exactly. So it's more small scale. It's more personal. Right. Person to person usually. Right.

I mean I guess you could say pay back your loan now you can't you can't really say pay back your loans. It really is more personal.

Yeah. That is such a nuance. You know that personal. More immediate. Yeah. And if you guys can get these nuances, oh, man, we're going up three levels through the roof, what are your skills here? Exactly right.

I know it just sounds so native and natural when you're able to use these in the right context, like you said, with the right nuance. So definitely practiced these you guys get the transcripts so that you can see how they're used. Come back to the blog. You can see all these example sentences.

Yeah, but do we have one more? And this one would not be found anywhere except for on this podcast.

Pretty much, you know.

So this is fork out or fork over, which just means to spend money, but definitely has a connotation of of spending money unwillingly.

So I might one day have to fork out a lot of money for my kid's tuition, college tuition maybe for to use this fork out or fork over.

I grew up Sainath to fork it over. I think I've used a lot of times like cough, cough it up, cough. Oh interesting. Not cough over, cough up. Come on cough up the money. It's less common but it means a similar thing. Yes. Similar mania for sure. Right. Cough it up. Yeah. Also unwillingly have to give them money.

Exactly. Exactly.

I grew up saying this my we would say this all the time. There's an idiom just to say fork it over as if you're asking someone to give something that they're reluctant to give you be like fork it over.

Interesting.

I can see you like your siblings being like, oh yes. Oh me. Ten bugs you. I want to get over. Come on.

Yeah, yeah. This is like you said, you can't find that in any class, in any textbook because it's slang. You know, it's an interesting phrasal verb but yeah. It's an idea. Yeah.

And the cool thing is we do have a web class coming up soon. We don't know the link yet. So just stay tuned guys for that for the title of everything. But we're going to be talking about slang, right?

Obree a little bit in that class coming up. Yes, I'm excited for this one. Michelle and I are going to do it and it's going to be really interesting. We're going to teach you some very native slang phrases that natives use all the time. And when you're able to throw these into your conversation, it really ups your level as far as just speaking so much more natively.

Oh, that is going to be fantastic. So, guys, tune in over the next week or so. You'll get the link. You'll find out how to sign up. You don't want to miss the first Web class of the year.

OK, so guess the free live webcast, the first one of the year is coming up soon. Don't miss this chance to hang out, live with Michelle and Aubrey and learn slang that makes you sound like a native and natural. Go way beyond the textbook in this live web class. Sign up at all is English dot com forward slash slang and spots are limited. So grab your seat now. All ears. English dot com fortgang.

All right, let's do a role play, Aubrey. Here we go. OK, OK. All right. Hey, I heard your daughter's headed off to college. Hopefully the tuition is reasonable. Some schools really rip people off.

Seriously, we have been saving up for a while and putting aside some money every month. So I think we'll be able to manage it.

It's crazy how many people I know are still paying off their student loans. Same here.

It gets so expensive, we're going to have to fork out a pretty penny. Our daughter actually offered to pay us back, but we told her she doesn't have to as long as she keeps her grades up.

Tell her if she feels any qualms. If she feels any questions, she'll have to pay you back with interest.

That's funny. I meant different classes if she feels like that, because any questions on every test?

Yeah, she fills any classes. That makes sense. That makes sense. Yes. She'll have to pay you back with interest. Oh my God. That's tricky. Yeah, I know.

Can you imagine if you, you know, help someone pay for a class or something and then said, well, as long as you keep your grades or you have to pay back with interest, meaning an additional charge over and above, like student loans are bad enough. You made like a personal loan to someone and then charged interest. It's like Ebenezer Scrooge on a Christmas Carol.

I know. I can imagine it. I would be very nervous for the final exam because in college, a lot of times, you know, the only thing that makes up your grade is really like maybe midterm, the midterm exam and the final exam. Right. A lot of times that can be very stressful. Yeah.

Yes, right. Exactly. OK, let's go over some of these that we used here. OK, so first you just said some schools really rip people off, which in the United States at least. Yeah, many of us believe that the tuition is so high that people are being ripped off.

Yep, for sure. And then you said we've been saving up for a while and putting aside some money. So those are the two ones we learned, OK?

Yes. And this is interesting where you could say we've been saving for a while, but because it's implied that we're saving up for something specific for our kids tuition, then you'd be saving up. We've been saving up for a while yet. And then that next one putting aside money every month, meaning I'm saving out of, you know, salaries, out of income, some money each month regularly.

Yeah, perfect. And then I said, it's crazy how many people I know are still paying off their student loans. And that's true. Even now, I've games in my late 30s, maybe 40 soon or definitely 40 soon. And people are still paying off their student loans.

I love how you said maybe if maybe maybe maybe it maybe 40, hopefully. And admit to that little too.

I know a lot of people my age. I'm in my 40s, I'll admit, and still paying off student loans. It's rough when especially if someone goes to an Ivy League school with a very expensive tuition. It takes a long time to pay that off.

It really does. People are just saddled with debt. You know, that's a good bonus for that. We'll talk about later another day. Yes, right. OK, OK.

And then I said we're going to have to fork out a pretty penny. This is a fun idiom, you guys. That just means a lot of money. Do you use this one to say a pretty penny for yet another good slang?

Oh, my gosh. They are everywhere today. Slang is every right. A pretty penny. Really good.

It just means a good quite a bit of money, quite a bit of money. Yeah.

It's funny because an actual penny is the smallest amount of money. So what a funny idea. Yes. It's pretty. Somehow it's worth more.

I don't know. I know it makes no sense but that's what it means. Yeah. Yeah.

And then you said our daughter actually offered to pay us back but we told her she doesn't have to.

Yeah. That would mean like if we've loaned her money and she's going to return exactly that same amount of money she would offer to pay us back. Yes, I love it.

And then finally I said, tell her if she feels any classes, she'll have to pay you back with interest. Yeah. Same one, right.

That she have to pay back not only what she what we loaned her, but interest fees above and beyond that be a good motivation to get her to pass all over classes. Yeah.

A good learning experience for a kid that's for sure.

I would never do that though if like you said, there's already so much pressure on exams. You don't mean that it.

Oh, my gosh. Could you imagine on the whole, I know that. All right. This has been good. So what's our takeaway for our listeners then? Yes, I loved this series. It's been really awesome to choose these six situations that you guys will will use often. You're going to be in these scenarios for sure. Right. And to pick the phrasal verbs that you're most likely to encounter in each of those situations. This is such a great way to learn phrasal verbs.

Yeah, I love how for this series Alber, you picked broad situations, right? Brought like work money so everyone can relate to these.

Like you said, everyone will eventually, sooner or later be in one of these situations. Now the key guys is step in there and try one of these phrasal verbs. Right. It's never going to do you any good. Right, Obery.

If we're just sitting back, we're not using them, right. Exactly right. Practice so that you're ready and then jump into those conversations. Don't sit back and hesitate. Right next time you're with a couple. People in there talking about money or work or education, any of these jump in and practice using these phrasal verbs, you'll sounds so native, so good. I love it.

I love it. And we'll be back hopefully next week or the week after to do a little fun little wrap up summery episode.

OK, so yes, I'm excited for that. All right.

All right. I'll talk to you very soon. Thanks for hanging out by Lindsay. Take care of.

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