Real, everyday American English — The Bank, Bills and Rent. You hear 40 phrases Americans actually use, each spoken clearly with a natural-speed repeat, the stressed syllable marked, and a short note on when to use it. Then take the matching quiz on word stress. Phrases in this episode (CAPITALS = the beat): The line is long. [thuh LYN z LAWNG.] Give me a receipt. [GIV mee uh ree-SEET.] I missed a payment. [eye MIST uh PAY-munt.] The payment failed. [thuh PAY-munt FAYLD.] I’ll pay it online. [eyel PAY it ahn-LYN.] What’s the salary? [wuts thuh SA-luh-ree?] Where’s the manager? [wairz thuh MA-nuh-jur?] Send me a screenshot. [SEND mee uh SKREEN-shaht.] How much is the rent? [HOW MUHCH iz thuh RENT?] How much do you need? [HOW MUHCH duh yoo NEED?] When do I get paid? [WEN duh-yuh GET PAYD?] It’s for the wedding. [its fur thuh WEH-ding.] Is there an ATM around here? [iz thair un AY-tee-EM uh-ROWND HEER?] I’ll scan the QR code. [eyel SKAN thuh KYOO-AHR KOHD.] The water bill is low. [thuh WAH-dur BIL z LOH.] I don’t want interest. [eye dohnt WAHNT IN-trust.] I feel ashamed to ask. [eye feel uh-SHAYMD tuh ASK.] Are we getting a bonus this year? [ar wee GEH-ding uh BOH-nus this YEER?] Tax has been deducted. [TAKS haz bin dee-DUK-tud.] A guarantor is needed. [uh GAIR-un-tor z NEE-dud.] I’ve forgotten the PIN. [eyev fur-GAH-tun thuh PIN.] Just check the balance. [jist CHEK thuh BAL-unts.] I need to cash a check. [eye need tuh KASH uh CHEK.] Can I pay in cash? [kin eye PAY in KASH?] The landlord had called. [thuh LAND-lord had KAWLD.] Keep the bill copy safe. [KEEP thuh BIL KAH-pee SAYF.] I'm broke. [eyem BROHK.] Expenses have to be cut. [ik-SPEN-suz hav tuh bee KUT.] Does it have a hallmark? [duz it hav uh HAWL-mark?] I need to pawn the gold. [eye need tuh PAWN thuh GOHLD.] I need to withdraw money. [eye NEED tuh with-DRAW MUH-nee.] The card is stuck inside. [thuh KARD iz STUK in-SYD.] …and more in the episode