"The water is dirty."

Translation: Das Wasser ist schmutzig.

[Nandul1]

How do you pronounce schmutzig

[Kerrier]

It sounds like shmuh-tsich, with the uh sound further back in the mouth and ig as ich, here an unstressed i followed by a soft german ch.

Forvo has an example:

https://forvo.com/word/schmutzig/#de

[903.zf0msIgGxtZ+]

So that's where the word schmutz comes from... all this time I thought dad made it up lol