Press your lips together. Air flows through your nose. Vocal cords vibrate.

Americans pronounce mutual as MYOO-choo-uhl (/ˈmjutʃuəl/). Stress falls on the first syllable — keep everything else short and quick.
Record yourself saying "mutual" and play it back. The mic stays on your device — nothing's uploaded.
3 syllables, 6 sounds. Tap a syllable to jump to its row, then explore each sound's mouth shape and how it's made.
The textbook way isn't wrong — it's just not how anyone actually says it.
Stress falls on the first syllable, not the others. Stretch MYOO — keep everything else short and quick.
Don't pronounce the second syllable too fully. The unstressed syllable reduces to a schwa — the lazy "uh" sound — in casual speech.