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To be counted towards the one hundred Berachot, must one personally recite the Beracha, or is it sufficient to respond amen to another person’s Beracha?
It depends on the Beracha.
If the Beracha is obligatory (such as Kiddush or HaMotzi) and a person fulfills the requirement to recite the Beracha by hearing it from another, the Beracha can be included in a person’s daily tally of the one hundred Berachot obligation.
If a Beracha is non-obligatory and a person hears the Beracha from another and answers Amen (such as a Beracha on an apple that another party is reciting), it does not count towards the one hundred Berachot.