access
US /ˈæksɛs/
UK /'ækses/
- Noun (Countable/Uncountable)
- Way to enter a place, e.g. a station or stadium
- The opportunity or right to use something or to see someone.
- Transitive Verb
- To be able to use or have permission to use
A2TOEICMoreafford
US /əˈfɔrd, əˈford/
UK /ə'fɔ:d/
- Transitive Verb
- To make available, to provide
- To have enough money to pay for something
A2TOEICMoreas soon as
US /æz sun æz/
UK /æz su:n æz/
- Phrase
- In a short time after (something happens)
- Without any delay; immediately
- Conjunction
- At the moment that, or immediately after.
A1Moreas well as
US /æz wɛl æz/
UK /æz wel æz/
- Adverb
- Also; in addition to
- Preposition
- In addition to; and also.
A1Moreat least
US /æt list/
UK /æt li:st/
- Adverb
- As a minimum
- Not less than
- Phrase
- No less than; at the minimum
- Used to indicate that something is positive in a bad situation.
C2Moreat the end of the day
US
UK
- Phrase
- Ultimately; when everything else is considered.
- After a day's work or activities.
A1Moreback then
US
UK
- Phrase
- At that time in the past.
A1Morebasically
US /ˈbesɪkəli,-kli/
UK /ˈbeɪsɪkli/
- Adverb
- Used before you explain something simply, clearly
- In essence; when you consider the most important aspects of something.
A2Morecall up
US
UK
- Phrasal Verb
- To require someone to join the army
- To bring to your memory
A1Morecare of
US /kɛr ʌv/
UK /kɛə ɔv/
- Preposition
- Used in an address to indicate the person who will receive the mail for someone else.
A2Morecategory
US /ˈkætɪˌɡɔri, -ˌɡori/
UK /ˈkætəgəri/
- Noun
- Groups of things that are similar in some way
B1Morechannel
US /ˈtʃænəl/
UK /'tʃænl/
- Noun (Countable/Uncountable)
- Long hole dug in the ground, e.g. to move water
- TV or radio station or its programs
- Transitive Verb
- To dig a long hole for carrying water
- To send (e.g. money) to a certain place or person
B1Moreclarity
US /ˈklærɪti/
UK /'klærətɪ/
- Uncountable Noun
- Being easy to be seen through, heard or understood
- The quality of an image being sharp and clear
B1Morecognitive
US /ˈkɑɡnɪtɪv/
UK /ˈkɒgnətɪv/
- Adjective
- The process of knowing and remembering
- Relating to the ability to think and reason.
C1Morecome full circle
US /kʌm fʊl ˈsɚkəl/
UK /kʌm ful ˈsə:kl/
- Intransitive Verb
- To return to the original state or situation.
A2Morecomment
US /ˈkɑmɛnt/
UK /'kɒment/
- Noun (Countable/Uncountable)
- Something you say, giving an opinion; remark
- An explanatory note in a computer program.
- Verb (Transitive/Intransitive)
- To say something that gives your opinion
- To add explanatory notes to a computer program.
A2Moredebt
US /dɛt/
UK /det/
- Noun (Countable/Uncountable)
- Sum of money owed to someone that is not yet paid
- A moral or social obligation.
A2TOEICMoredrop by
US /drɑp baɪ/
UK /drɔp bai/
- Phrasal Verb
- To visit someone or some place for a short time
A1Moreduplex
US /ˈdu:pleks/
UK /ˈdju:pleks/
- Noun
- Home divided into two separate living units
C1Moreentire
US /ɛnˈtaɪr/
UK /ɪn'taɪə(r)/
- Adjective
- Complete or full; with no part left out; whole
- Undivided; not shared or distributed.
A2TOEICMoreevery trick in the book
US /ˈɛvri trɪk ɪn ðə bʊk/
UK /ˈevri trɪk ɪn ðə bʊk/
- other
- All possible methods to achieve something.
B2Moreextra
US /'ekstrə/
UK /'ekstrə/
- Adjective
- More than necessary; additional
- Of especially good quality or grade.
- Noun (Countable/Uncountable)
- Items more than you need; additional items
- Person who has a small part in a movie
A2Morefactor in
US /ˈfæktɚ ɪn/
UK /ˈfæktə in/
- Phrasal Verb
- To include something as an important element when making a decision or calculation.
B2Morefeel like
US
UK
- Intransitive Verb
- To have a desire or inclination for something.
- To have a particular quality or sensation; resemble.
A1Morefinancial
US /faɪˈnænʃ(ə)l/
UK /faɪˈnænʃl/
- Adjective
- Involving money
- Relating to investments.
- Countable Noun
- A person who provides advice on financial matters.
A2TOEICMorefor example
US
UK
- Phrase
- As an illustration or instance.
for free
US /fɔr fri/
UK /fɔ: fri:/
- Phrase
- Without charge; at no cost.
- Adjective
- Available without payment.
A2Morefor instance
US /fɔr ˈɪnstəns/
UK /fɔ: ˈinstəns/
- Adverb
- As an example.
- Phrase
- As an example.
- As an illustration or case in point
B1Morefor myself
US /fɚ maɪˈsɛlf/
UK /fə maɪˈself/
- other
- Done for one's own benefit or use.
A1Morefor some reason
US /fɔr sʌm ˈrizən/
UK /fɔ: sʌm ˈri:zən/
- Phrase
- For a reason that is not known or not easily explained.
A1Morefull picture
US
UK
- Noun
- A complete and comprehensive understanding of a situation or issue.
- A detailed and comprehensive view or representation of something.
genius
US /ˈdʒinjəs/
UK /'dʒi:nɪəs/
- Noun (Countable/Uncountable)
- Person displaying a high level of intelligence
- The characteristic spirit of a nation, people, or place.
B2Moreget back to
US /ɡɛt bæk tu/
UK /ɡet bæk tu:/
- Phrasal Verb
- To get in contact with someone again
- To return to someone or something; to respond at a later time.
A1Moregive up
US /ɡɪv ʌp/
UK /ɡiv ʌp/
- Phrasal Verb
- To lose hope or admit defeat
- To decide to not start to try solving a problem
- Verb Phrase
- to surrender an item; hand over an item
A1Moregoing on
US /ˈɡoɪŋ ɑn/
UK /ˈgəʊɪŋ ɔn/
- Phrasal Verb
- To continue doing something
- To happen (usually negative)
A1Moregot to
US /ɡɑt tu/
UK /gɔt tu:/
- Verb (Transitive/Intransitive)
- To arrive at some place
- To have the opportunity or permission to do something
- Phrasal Verb
- To appeal to the emotions of; move
- To finally begin to start something after a delay
A1Morehands down
US
UK
- Phrasal Verb
- To give (clothes, etc.) to someone younger
- Adverb
- Without a doubt; easily and decisively.
A1Morehave to
US /hæv tu/
UK /ˈhæv tə/
- Auxiliary Verb
- Must do
A1Morein fact
US /ɪn fækt/
UK /in fækt/
- Adverb
- Used to emphasize the truth of a statement, especially one that contrasts with or contradicts something else.
- Used to introduce a more detailed or surprising piece of information.
- Phrase
- Used to emphasize the truth of a statement, especially one that is surprising or contrary to what might be expected.
C1Morein reality
US /ɪn riˈælɪti/
UK /in riˈæliti/
- Phrase
- Actually; in fact; truly.
B2Morein terms of
US
UK
- Phrase
- With regard to; concerning a particular aspect.
A1Morein the future
US /ɪn ði ˈfjutʃɚ/
UK /in ðə ˈfju:tʃə/
- Phrase
- At a later time; in times to come.
A1Moreinstead of
US /ɪnˈstɛd ʌv/
UK /inˈsted ɔv/
- Preposition
- When one thing is replaced by another
- Adverb
- As a substitute or alternative.
A1Morelike anything
US /laɪk ˈɛniθɪŋ/
UK /laɪk ˈeniθɪŋ/
- other
- Used to emphasize strong intensity or effort.
B2Morelook at
US /lʊk æt/
UK /luk æt/
- Phrasal Verb
- To use your eyes to focus on something
- To focus your eyes on something carefully
A1Morelook to
US
UK
- Phrasal Verb
- Be looking to. be planning to (do something)
- To expect someone to do something for you; rely on
A1Moremaximize
US /ˈmæksəˌmaɪz/
UK /ˈmæksɪmaɪz/
- Transitive Verb
- To make as large or great as possible
B1Moremental
US /ˈmɛntl/
UK /ˈmentl/
- Adjective
- Concerning the mind
A2TOEICMoremortgage
US /ˈmɔrɡɪdʒ/
UK /'mɔ:ɡɪdʒ/
- Noun (Countable/Uncountable)
- Long-term loan from a bank for buying property
- A legal agreement in which you borrow money in order to buy a house using the house as a guarantee
- Transitive Verb
- To borrow money to buy a house, giving the lender the right to take ownership of the property if you cannot pay the debt
B1TOEICMoremortgage payments
US
UK
- Noun
- Regular installments paid towards the repayment of a mortgage loan.
no matter
US
UK
- Conjunction
- Regardless of; it does not matter.
- Adverb
- Regardless of; it is not important
A1Moreof course
US /ʌv kɔː(r)s/
UK /ɔv kɔː(r)s/
- Adverb
- Sure ; Certainly
- Phrase
- For sure; certainly
A2Moreon hand
US /ɑn hænd/
UK /ɔn hænd/
- Adverb
- Present and available; in attendance.
- Phrase
- Available; readily accessible.
A1Moreon paper
US /ɑn ˈpeɪpər/
UK /ɔn ˈpeipə/
- Phrase
- In theory or as a plan, but not necessarily in reality.
- Recorded in writing; documented.
A1Moreon top of that
US
UK
- Phrase
- In addition to something already mentioned; furthermore.
A1Moreone of those things
US /wʌn əv ðoʊz θɪŋz/
UK /wʌn əv ðəuz θɪŋz/
- other
- An unfortunate but unavoidable event.
B2Moreopening up
US
UK
- Phrasal Verb
- Revealing one's thoughts and feelings; becoming more communicative.
- Creating new opportunities or possibilities.
B2Moreoptimization
US /ˌɑptəmɪˈzeʃən/
UK /ˌɒptɪmaɪ'zeɪʃən/
- Uncountable Noun
- Efforts to make as effective as possible
B2Moreoutright
US /ˈaʊtˈraɪt, -ˌraɪt/
UK /ˈaʊtraɪt/
- Adjective
- In a complete manner; totally
- Open and direct; not concealed.
- Adverb
- In a clear and direct manner
B2Moreover to
US
UK
- Preposition
- Used to hand over to someone else to speak
- The responsibility is now yours
paid off
US
UK
- Phrasal Verb
- To give money to get person to do something; bribe
- To give money to settle a debt
- Transitive Verb
- To have bribed someone.
- To have paid a debt in full.
A1Morepay down
US /pe daʊn/
UK /pei daun/
- Phrasal Verb
- To reduce the amount of money needing to be paid
A1Morepay off
US /pe ɔf/
UK /pei ɔf/
- Phrasal Verb
- To give money to get person to do something; bribe
- To give money to settle a debt
- Transitive Verb
- To bribe someone.
- To pay a debt in full.
A1Morepaying off
US
UK
- Phrasal Verb
- To give money to get person to do something; bribe
- To give money to settle a debt
- Verb (Transitive/Intransitive)
- To bribe someone.
- To result in success; to be worthwhile.
A1Morepositive
US /ˈpɑzɪtɪv/
UK /ˈpɒzətɪv/
- Adjective
- Showing agreement or support for something
- Being sure about something; knowing the truth
- Noun
- A photograph in which light areas are light and dark areas are dark
A2Morepractically
US /ˈpræktɪkli/
UK /ˈpræktɪkli/
- Adverb
- Nearly, almost, or in effect
- In a practical manner; realistically.
C1Moreproperty
US /ˈprɑpəti/
UK /'prɒpətɪ/
- Noun (Countable/Uncountable)
- Particular quality that someone or something has
- Buildings or piece of land owned by someone
A2TOEICMoreput off
US /pʊt ɔf/
UK /put ɔf/
- Phrasal Verb
- To take off, e.g. clothing
- To delay until a later date
A1Moreregardless of
US /rɪˈɡɑrdlɪs ʌv/
UK /riˈɡɑ:dlis ɔv/
- Phrase
- Preposition
- Without being affected or influenced by something; despite.
A2Moreresearch
US /rɪˈsɚtʃ, ˈriˌsɚtʃ/
UK /rɪ'sɜ:tʃ/
- Verb (Transitive/Intransitive)
- To study in order to discover new ideas and facts
- To study the market relating to marketing products and services.
- Noun (Countable/Uncountable)
- Study done to discover new ideas and facts
- A particular area or topic of study.
A2TOEICMorerid
US /rɪd/
UK /rɪd/
- Transitive Verb
- To cause to no longer have (pest, problem)
- Adjective
- Freed or delivered from something.
A2Morespread
US /sprɛd/
UK /spred/
- Noun (Countable/Uncountable)
- A big meal, often laid out as a buffet
- The distance between two things
- Verb (Transitive/Intransitive)
- To place over a large area; to cover a large area
- (Of ideas, gossip) to pass to and affect others
A2TOEICMorestress
US / strɛs/
UK /stres/
- Transitive Verb
- To emphasize one or more parts of a word, sentence
- To put pressure on something or someone
- Noun (Countable/Uncountable)
- Emphasis on part of a word or sentence
- Pressure on something or someone
A2TOEICMorethink about
US /θɪŋk əˈbaʊt/
UK /θiŋk əˈbaut/
- Phrasal Verb
- To consider something carefully.
- To remember or call to mind.
A1Moreto do with
US
UK
- Phrasal Verb
- To be about something; concern
A1Moreused to
US /juzd tu/
UK /ˈju:st tə/
- Adjective
- Did regularly before, but don't do now
- Auxiliary Verb
- Have done before, but do not do now
A1Morewith it
US /wɪð ɪt/
UK /wið it/
- Adjective
- Intelligent, alert, and up-to-date.
- Understanding and knowledgeable about current trends or information.
A1More
Vocabulary
- paying off: To give money to get person to do something; bribe
- in terms of
- pay off: To give money to get person to do something; bribe
- think about: To consider something carefully.
- pay down: To reduce the amount of money needing to be paid
- paid off: To give money to get person to do something; bribe
- got to: To arrive at some place
- with it: Intelligent, alert, and up-to-date.
- to do with: To be about something; concern
- instead of: When one thing is replaced by another
- for free: Without charge; at no cost.
- over to: Used to hand over to someone else to speak
- in fact: Used to emphasize the truth of a statement, especially one that contrasts with or contradicts something else.
- one of those things: An unfortunate but unavoidable event.
- have to: Must do
- as soon as: In a short time after (something happens)
- come full circle: To return to the original state or situation.
- back then: At that time in the past.
- like anything: Used to emphasize strong intensity or effort.
- for myself: Done for one's own benefit or use.
- opening up: Revealing one's thoughts and feelings; becoming more communicative.
- every trick in the book: All possible methods to achieve something.
- for example: As an illustration or instance.
- used to: Did regularly before, but don't do now
- at the end of the day: Ultimately; when everything else is considered.
- care of: Used in an address to indicate the person who will receive the mail for someone else.
- on top of that: In addition to something already mentioned; furthermore.
- put off: To take off, e.g. clothing
- get back to: To get in contact with someone again
- on paper: In theory or as a plan, but not necessarily in reality.
- for instance: As an example.
- factor in: To include something as an important element when making a decision or calculation.
- drop by: To visit someone or some place for a short time
- mortgage payments: Regular installments paid towards the repayment of a mortgage loan.
- for some reason: For a reason that is not known or not easily explained.
- feel like: To have a desire or inclination for something.
- give up: To lose hope or admit defeat
- going on: To continue doing something
- regardless of
- look to: Be looking to. be planning to (do something)
- look at: To use your eyes to focus on something
- hands down: To give (clothes, etc.) to someone younger
- full picture: A complete and comprehensive understanding of a situation or issue.
- in reality: Actually; in fact; truly.
- on hand: Present and available; in attendance.
- call up: To require someone to join the army
- no matter: Regardless of; it does not matter.
- at least: As a minimum
- in the future: At a later time; in times to come.
- of course: Sure ; Certainly
- as well as: Also; in addition to
- cognitive: The process of knowing and remembering
- entire: Complete or full; with no part left out; whole
- mental: Concerning the mind
- access: Way to enter a place, e.g. a station or stadium
- basically: Used before you explain something simply, clearly
- positive: Showing agreement or support for something
- sense: Certain mental feeling or emotion
- rid: To cause to no longer have (pest, problem)
- category: Groups of things that are similar in some way
- stress: To emphasize one or more parts of a word, sentence
- research: To study in order to discover new ideas and facts
- spread: A big meal, often laid out as a buffet
- comment: Something you say, giving an opinion; remark
- property: Particular quality that someone or something has
- mortgage: Long-term loan from a bank for buying property
- exist: To be present, alive or real
- financial: Involving money
- debt: Sum of money owed to someone that is not yet paid
- afford: To make available, to provide
- practically: Nearly, almost, or in effect
- extra: More than necessary; additional
- account: An advantage
- compare: To consider how similar and different things are
- rest: Time when one relaxes, sleeps, or is inactive
- interest: Best or most advantageous thing for someone
- rate: To assess something or consider its qualities
- clarity: Being easy to be seen through, heard or understood
- outright: In a complete manner; totally
- mind: To be bothered or upset by something
- leave: To go away from; depart
- totally: In a complete way; completely; absolutely
- genius: Person displaying a high level of intelligence
- lot: What happens to a person in life from chance; fate
- channel: Long hole dug in the ground, e.g. to move water
- important: Having power or authority
- single: One run in cricket or a hit baseball
- kind: In a caring and helpful manner
- fact: Something that is known or proved to be true
- maximize: To make as large or great as possible
- optimization: Efforts to make as effective as possible
- duplex: Home divided into two separate living units
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01:03
She took a brave step forward, leaving behind her comfort zone to chase her dreams.
Vocabulary
- brave
adj. Having courage
- comfort zone
phr. A familiar situation where one feels safe
Explanation
a brave step is a noun phrase, where brave is an adjective modifying the noun step, meaning "a courageous step".
forward is an adverb modifying step, meaning "ahead".
The whole phrase serves as the object, answering the "what" of took (verb) — she took a brave step forward.
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brave
US/brev/
UK/breɪv/
adj.Brave
v.t.To bravely face
A2 Elementary
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80
I Paid Off My 2.875% Mortgage…Dave Ramsey Was Right
0
林宜悉 posted on 2026/09/10Ever wondered if paying off your mortgage early is always the best financial move? This video dives into a surprising personal experience that challenges conventional wisdom, exploring the psychological benefits of being debt-free alongside the mathematical arguments. You'll discover why many people don't regret paying off low-interest debt and gain a fresh perspective on managing your finances.
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