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

Americans pronounce surfer as SUR-fer (/ˈsɜrfər/). Stress falls on the first syllable — keep everything else short and quick. You'll hear it in sentences like "The surfer caught a huge wave and rode it to the shore".
Record yourself saying "surfer" and play it back. The mic stays on your device — nothing's uploaded.
2 syllables, 4 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 SUR — keep everything else short and quick.
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.