Raise the back of your tongue to touch the soft palate (velum). Stop the air, then release.

Americans pronounce concern as kuhn-SURN (/kənˈsɜrn/). Stress falls on the second syllable — keep everything else short and quick. You'll hear it in sentences like "Affordable housing is a pressing concern in many urban areas" or "Energy prices have been a major concern for economists lately" — more examples below.
Record yourself saying "concern" and play it back. The mic stays on your device — nothing's uploaded.
2 syllables, 6 sounds. Tap a syllable to jump to its row, then explore each sound's mouth shape and how it's made.
Raise the back of your tongue to touch the soft palate (velum). Stop the air, then release.

Relax your lips, jaw, and tongue completely. Drop your jaw slightly and keep the tongue neutral.
Touch the tip or front edge of your tongue to the roof of your mouth behind your teeth. Air flows through your nose.

Place your tongue tip near the roof of your mouth behind your top teeth. Push air through the narrow gap. No voicing.

Flare your lips and push them away from the face. Lift the middle of your tongue toward the roof of the mouth.

Touch the tip or front edge of your tongue to the roof of your mouth behind your teeth. Air flows through your nose.

Click any sentence to see the full breakdown — every link, every reduction, every flap-T.
The textbook way isn't wrong — it's just not how anyone actually says it.
Stress falls on the second syllable, not the others. Stretch SURN — keep everything else short and quick.
Don't pronounce the first syllable too fully. The unstressed syllable reduces to a schwa — the lazy "uh" sound — in casual speech.
Americans use a relaxed retroflex R — the tongue curls back rather than rolling. The R is one continuous sound with the vowel before it, not two separate sounds.