There is a lot of pain in earning money and protecting it. 
ðɛɹ ɪz ʌ lɑt ʌv peɪn ɪn ɜ˞nɪŋ mʌni ʌnd pɹʌtɛktɪŋ ɪt. 
 Indian's speech is very clear and delivered in a monotone tone, with a very close-sounding proximity.