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How to give a speech without preparation
Tell a story you know well.
Speeches don't have to be invented from scratch. Telling a personal story is a great way to come up with something quickly: since you already know what happened, you'll know what to say.
For example : At a wedding, you could tell a funny story about growing up with the bride or groom. At a funeral, you could tell a story about how kind or generous the deceased was, or about how they influenced you.