Ch is - in any dialect - an affricate. It's a combination of the stop t and the fricative sh. (This isn't IPA, just bear with me here.) With me so far?
When saying words like train and tree, it's easier if you... oh, I forget the word. If you insert a sound between the t and the r, because they're made in different parts of the mouth. The sound easiest to put there is a sh. Ch-ree. People do that all the time. When it comes to tr-, though, most people don't "hear" it, in the same way that they don't hear that the ay in say is actually a diphthong.
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Ch is - in any dialect - an affricate. It's a combination of the stop t and the fricative sh. (This isn't IPA, just bear with me here.) With me so far?
When saying words like train and tree, it's easier if you... oh, I forget the word. If you insert a sound between the t and the r, because they're made in different parts of the mouth. The sound easiest to put there is a sh. Ch-ree. People do that all the time. When it comes to tr-, though, most people don't "hear" it, in the same way that they don't hear that the ay in say is actually a diphthong.