With or without "t"
The British teacher who used to teach me English showed how they pronounce "wa if" as "what if" and "wo a" as "water". I tried to say them, but it was hard to do because there were two vowels back to back. I wondered why it was easier for native British English speakers to say like that. But without knowing that, I would never understand what they say now.
That's why you don't understand it, for example!