The Curve

New Zealand votes on 7 November, and this election could change more about your money than you think. Soph admits she’s never read a policy in her life, so Vic walks her through what’s on the table. They cover what National and Labour each want to do with your KiwiSaver, who’d be paying more into it, Labour’s proposed capital gains tax on rental and investment property, and the change for new parents that both parties agree on. Plus, does the sharemarket actually do better under National or Labour? If you want to cut through the campaign noise before you vote, start here. Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM  Thanks to Xero for supporting this episode. Get 90% off your first six months of Xero, the all-in-one accounting software for small businesses: https://referrals.xero.com/curve Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in today’s episode … 00:00:37 Pathfinder x The Curve 00:01:02 What should you care about in this election? 00:11:53 National’s KiwiSaver policy 00:17:44 Labour’s KiwiSaver policy 00:21:11 Fixing the gender wealth gap 00:26:55 Will the stock market be impacted? 00:28:17 Oh god tax 00:31:09 Thanks for listening! 00:31:21 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Hannah Hart started saving for a house at 10 and built her first property by 21. Buying the home she lives in now took four to five months, four auctions and a lot of tears. She joins Soph to talk through what really happens when you buy at auction: why one building report stopped her taking on $400,000 of work, what to do when someone else brings an auction forward, and the bidding move her husband made as the hammer was coming down. Plus the three foundational learnings she wants every first-home buyer to know before they start looking.  We're proud to be partnering with BNZ, because no two journeys to home ownership are the same. BNZ's home loan experts are there to help you navigate the process with confidence – from search to signing.  👉 To learn more, head here: http://bnz.co.nz/home-loan-partners-spotify-ep18   BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply.   In case you missed Hannah’s priceless budgeting advice on IOU … https://open.spotify.com/episode/7flWRpTACIKVhaimc111dp   https://open.spotify.com/episode/5FDI0aPG5bzbriRooqXDWG   https://open.spotify.com/episode/2J07xaLGuXUAJcqUo4eZFU   Hannah’s Links:  https://www.instagram.com/hannahkoumakis/   Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:00:25 BNZ x The Curve 00:00:39 Catch up 00:02:59 Hannah’s hustle to two properties 00:08:59 The importance of equity 00:13:58 What Hannah thought she knew 00:16:03 Building your property team 00:20:11 BNZ x The Curve 00:20:38 The dangers of auctions 00:26:11 Wtf is bringing an auction forward? 00:31:32 Don’t play the odds, play the man 00:41:34 The ethical dilemma 00:44:31 Foundations 00:45:51 BNZ x The Curve 00:46:36 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Soph and Emma Louise-Boynton get into the ASOS hack, where hackers messaged customers directly through the app after the company wouldn’t pay up. We talk about how these digital ransoms work, why so many businesses quietly hand over the money, and the flaw hiding under 70% of the internet that nearly went very wrong. Plus, the cybersecurity stocks and insurers doing well out of it all. Then we turn to Victoria’s Secret, from Kylie Jenner’s $50 million bra to how the brand clawed its way back after years of decline. Not financial advice. Not sure how to incorporate AI into your business? Discover Out Source, our recommended AI automation partner … https://thecurve.out-sauce.ai/refer/out-sauce. Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Host: Sophie Hallwright & Vic Harris Producer: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:01:13 Generate x The Curve 00:01:28 Dream spending 00:03:47 What the ASOS hack means for cybersecurity? 00:29:18 Generate x The Curve 00:29:52 The rebirth of Victoria's Secret 00:49:39 Thanks for listening! Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

It’s reporting season, when listed companies hand in their report cards and share prices swing on the results. This week Soph and Vic dig into two of them. Netflix grew its profit by around 43%, yet its shares fell, so what were investors actually reacting to, and why is YouTube now the rival to watch? Then there’s a company you’ve probably bought from without realising: EssilorLuxottica, owner of Ray-Ban, Oakley and Sunglass Hut, whose shares just had their biggest one-day jump since 2008. Don’t miss Vic’s money story! https://www.youtube.com/watch?v=pTWLHI9Vjig&t=74s Still not sure about divesting? Read Pathfinder’s blog post … https://pathfinder.kiwi/insights/ethical-hotline-divesting/ Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM  Thanks to Xero for supporting this episode. Get 90% off your first six months of Xero, the all-in-one accounting software for small businesses: https://referrals.xero.com/curve Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in today’s episode … 00:01:07 Pathfinder x The Curve 00:01:29 Netflix fails to impress investors 00:15:55 Pathfinder x The Curve 00:16:33 Xero x The Curve 00:17:42 The sunglasses gugernaught 00:29:54 Ethical Hotline 00:37:10 Thanks for listening! 00:37:31 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Part two of Meet the Founders. After Soph shared her money story, the requests for Vic's kept coming, so our Producer, Emily, and Digital & Social Manager, Lucy, sat her down for the full version. Vic takes us from selling her sister's clothes on Trade Me as a kid to choosing a South America trip over a job offer at Goldman Sachs, then starting out answering phones at Milford Asset Management. She shares the employee share offer she nearly turned down and what it grew into, what she learned as one of the only women in the room, and how her salary went from $45k to over $400k. Then it's on to The Curve. She talks about the friends who wouldn't stop telling her to start it, what raising money from investors was really like, her lowest point with money, and why she launched The Curve Investments. She also answers your community questions and gives her advice for anyone on the edge of a big decision. Watch Soph’s money story if you haven’t already! https://youtu.be/6NrkbtrC_Qg?si=U4dTbKku2I3XUwF0 We're so proud to have created a fund shaped by you, The Curve community. To find out more, visit thecurveinvestments.co.nz. The Curve Investments Limited is the issuer and manager of The Curve Fund. The Product Disclosure Statement is available at thecurveinvestments.co.nz/pages/the-legal-stuff. The Curve Investments Limited is part of The Curve group, and the hosts of this podcast have an interest in it. This is general information only, not financial advice. Investing involves risk and returns aren't guaranteed. Credits: Hosts: Victoria Harris, Emily Rigby, and Lucy Munro Producer: Kate Callaghan Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this epsiode ... 00:01:02 Intro 00:04:02 Vic's relationship with money growin up 00:09:05 Turning down Goldman Sachs 00:14:55 Working as a woman in finance 00:30:00 Building The Curve 00:37:30 Your questions 00:45:30 Final advice 00:48:59 Thanks for listening! 00:49:19 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.!

Bumble was once worth US$14 billion. Now it’s being bought for US$1.3 billion and taken private, and the app built on women going first will be run by two men. Soph and Emma get into what went wrong, what happens to your shares when a company leaves the stock market, and why LVMH shares are down around 40% while Uniqlo keeps breaking records. Plus, is a Chanel bag ever really an investment? In case you missed our lab-grown vs natural diamonds episode … https://youtu.be/0qCN7Z1XFKM?si=KLlYJa-2hA5wu4Lt Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Host: Sophie Hallwright & Emma-Louise Boynton Producer: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:01:05 Generate x The Curve 00:01:22 Are we Karen’s now? 00:05:49 The Bumble Stumble 00:30:18 Generate x The Curve 00:30:54 Is Luxury dead? 00:47:52 Thanks for listening! 00:48:11 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

Vic is officially back in New Zealand with big news: The Curve Fund is now live on Sharesies. She explains why September is so often a rough month for markets, the best analogy you’ll hear all year for how AMD became a trillion-dollar company without making a single chip, and why the company everyone should be watching isn’t Nvidia. Plus, how Warner Bros.’ CEO walked away with US$606 million after losing his job, and why stock options are worth asking about next time you negotiate your pay. Can’t get your head around bonds? https://youtu.be/BVhMzrp9jo0?si=IJF7VYP2PyZjwGGH How to ride the peptide wave … https://youtu.be/cKoNDrtjp_U?si=fIOe6BzImsgkDSO7 We're so proud to have created a fund shaped by you, The Curve community. To find out more, visit thecurveinvestments.co.nz. The Curve Investments Limited is the issuer and manager of The Curve Fund. The Product Disclosure Statement is available at thecurveinvestments.co.nz/pages/the-legal-stuff. The Curve Investments Limited is part of The Curve group, and the hosts of this podcast have an interest in it. This is general information only, not financial advice. Investing involves risk and returns aren't guaranteed. Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM  Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:00:45 Pathfinder x The Curve 00:01:10 Vic’s back in NZ 00:08:35 The Fund announcement you’ve been waiting for!! 00:11:31 How to understand fund results 00:14:59 What’s the fund investing in 00:24:24 Pathfinder x The Curve 00:24:58 The $600m payout 00:36:15 Thanks for listening! 00:36:36 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Today we're talking lab grown versus natural diamonds, and by the end of it, neither of us landed exactly where we thought we would. Sophie sits down with Martha (@martha.stewish) to unpack where diamonds actually come from, why the cut matters more than the size, and how a 90-year-old marketing campaign convinced generations of women that a natural diamond equals real love. We get into resale value, the celebrity engagement rings we assumed were natural, and why some of the richest people you know are quietly choosing lab grown. Full community data in this week's Substack! https://thecurveplatform.substack.com/ This episode is proudly supported by Michael Hill. We've teamed up to give one of you a diamond tennis bracelet, details on Instagram! https://www.instagram.com/thecurveplatform/?hl=en Credits: Hosts: Sophie Hallwright & Victoria Harris Producer: Kate Callaghan Editor: Emilly Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:00:50 Michael Hill x The Curve 00:01:49 Soph and Martha’s initial thoughts 00:04:08 The history of diamonds 00:07:00 How the sausage is made 00:10:15 What gives a diamond value 00:18:23 Who's behind it all? 00:21:50 How much should you spend on a ring? 00:33:09 Diamonds as an investment 00:39:06 Michael Hill x The Curve 00:39:59 Celebrity engagement rings 00:44:53 Engagement rings generally 01:00:00 Thanks for listening! 01:00:43 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Emma Louise Boynton is back, filling in for Vic. Sydney Sweeney’s “just sports” ad caused a stir, but the bigger story is that she’s an investor in Novig, the prediction market now reportedly worth $2 billion. Soph breaks down how prediction markets work and whether they’re anything more than sports betting. Then Emma brings the story of Sarah Creal, the Victoria Beckham Beauty co-founder who’s just launched a brand in the UK for women over 40, the generation with the most money to spend and the fewest products made for them. Check out Emma’s book! https://geni.us/pleasureelboynton Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Host: Sophie Hallwright Guest: Emma-Louise Boynton Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:01:16 Generate x The Curve 00:01:30 Catch up 00:06:48 Sydney Sweeney is shaking up the prediction markets 00:24:13 Generate x The Curve 00:24:50 Discover this forgotten market 00:46:30 Thanks for listening! Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.k

UK mortgage rates have hit 6% for the first time since Liz Truss’s mini-budget, yet the Bank of England hasn’t raised rates. So who’s pushing them up, and why does it matter even if you don’t own a home? With Vic on her way home to New Zealand, our lead investor Nicole Bremner steps in alongside Soph to explain. Then, the race to turn weight-loss jabs like Ozempic into a pill. It could more than double the number of people using them, and Nicole shares how to invest in a trend like this without having to pick the one winning drug. Plus, a listener is losing money every month on a house she bought with her brother. Nicole has been in the same position with one of her own properties, and explains why so many of us hold on to bad investments for far too long. Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM  Credits: Hosts: Sophie Hallwright & Vic Harris Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:00:56 Pathfinder x The Curve 00:01:22 In the red or the green? 00:04:47 What’s happening to mortgage rates? 00:14:09 Community Question 00:22:40 Pathfinder x The Curve 00:23:16 How to ride the peptide boom? 00:36:46 Thanks for listening! 00:39:06 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

It’s time to talk about "looksmaxxing," the internet's term for optimising everything about your appearance, and why so many of us are quietly pouring hundreds (or thousands) of dollars every month into it. Soph is joined by Hanna Horvath, author of the money and culture Substack ‘Your Brain on Money’. Together they dig into why Love Island contestants are the extreme end of a spectrum we're all on and why the return on investment for looking good is way blurrier than we like to admit. We also get into the psychology of impulse beauty spending and how to actually start pulling yourself off the hot girl hamster wheel. Hanna’s links … Substack (https://yourbrainonmoney.substack.com/) Instagram (https://www.instagram.com/yourbrain_onmoney/?hl=en) TikTok (https://www.tiktok.com/@yourbrainonmoney) Credits: Hosts: Sophie Hallwright Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode … 00:01:02 Are we low-key Love Island contestants? 00:10:10 Hot girl hamster wheel 00:14:07 What's the ROI on tweakments? 00:23:04 Where did “looksmaxxing” come from 00:27:57 How to opt out 00:49:16 Thanks for watching 00:49:46 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

First up, Oura was about to go public. It was looking to raise $2.2 billion at a valuation of more than $15 billion, then pulled out at the last minute. We break down what an IPO actually is and why companies wait for a sunny market before they list. Plus, why Oura's subscription model could make it one to watch when it finally does go public. Then, Meta's new AI agent Muse can book, buy, and email on your behalf. We reveal how the Curve community is using AI, from budgeting to building apps. But with new MIT research finding ChatGPT users' brains were 55% less active, what are we losing when we outsource our thinking? We get into why your brain needs friction and how to use AI without losing your edge. Plus, Soph shares how The Curve uses AI to run a tiny team with a huge output. Not sure how to incorporate AI into your business? Discover Out Source, our recommended AI automation partner https://thecurve.out-sauce.ai/refer/out-sauce Look out for The Curve audience AI survey results on our Substack https://thecurveplatform.substack.com/ Emma's article rec: David Robinson's essay in The Atlantic on why he resigned from OpenAI's safety team https://www.theatlantic.com/technology/2026/10/openai-safety-team-resignation/688881/ Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Host: Sophie Hallwright & Vic Harris Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in today’s episode 00:00:54 Generate x The Curve 00:01:12 Where’s Soph in the world? 00:07:34 Oura’s IPO back step 00:28:30 Generate x The Curve 00:29:03 What Meta’s new drop means for AI 00:57:10 Thanks for listening! 00:57:47 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

We're back from our break, and we're kicking things off with not one but two personal updates. Soph opens with some very happy news, and Vic's comes right at the very end, so make sure you stick around. Trigger warning: this episode discusses the Cornell University sexual assault case. We look at who holds the power and the purse strings at elite universities, why donors could be the key to real change, and why this is exactly why we do what we do. Women do the work, men have the power, and money is a big part of that. Then, Nvidia writes the biggest cheque in US corporate history and makes it out to itself. We break down what a share buyback actually is and why Vic calls it the greenest flag of all time. Plus, its closest rival AMD becomes the first company led by a woman to hit US$1 trillion, and we look at what happens when a household name like Nike stops innovating. Interest in The Curve Investments? Read more info here: https://thecurveinvestments.co.nz/?srsltid=AU7gw4UndzAS-IYAxL0y4DggVR25nsl3fQyGTqIo_B6OK8_lhga1UROt Check out the scary AI consciousness article from The Economist: https://www.economist.com/interactive/briefing/2026/08/20/the-search-for-consciousness-inside-llms Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM  Credits: Hosts: Sophie Hallwright & Vic Harris Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in today’s episode 00:00:46 Pathfinder x The Curve 00:01:11 Soph’s got BIG news! 00:16:04 The financial repercussions for Cornell University 00:26:35 Pathfinder x The Curve 00:27:17 Heated chipmaker rivalry 00:42:15 Vic’s got BIG news 00:45:14 Thanks for listening 00:45:53 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

What is a share price, how is it actually set, and what makes it move up or down. This episode breaks the stock market down to its most basic level, buyers and sellers in a marketplace, and explains why getting emotionally attached to a stock (much like a bad relationship) is one of the easiest ways to make a bad decision. A great primer before you buy your first share. Credits: Hosts: Sophie Hallwright & Victoria Harris Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Welcome to The Curve Throwbacks 00:00:57 Soph’s intro 00:01:57 Beginners guide to stocks 00:24:56 Thanks for listening! 00:25:23 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Diversification is one of those words that sounds boring until it saves your portfolio. This episode breaks down what it actually means to spread your risk, why the stock market works like any other marketplace, and why falling in love with a single investment can be one of the most costly mistakes you make. Comes with a story about a company that no longer exists, and why that matters. Credits: Hosts: Sophie Hallwright & Victoria Harris Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Welcome to The Curve Throwbacks 00:00:57 Soph’s intro 00:06:30 Beginners guide to diversification 00:26:27 Thanks for listening! 00:26:55 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Risk is one of those words that sounds terrifying until you understand what it actually means. This episode walks through how to think about your own risk appetite, why investing and gambling are not the same thing, and why checking your investments constantly can do more harm than good. A solid one for anyone who feels anxious about the idea of investing before they've even started. Credits: Hosts: Sophie Hallwright & Victoria Harris Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Welcome to The Curve Throwbacks 00:00:57 Soph’s intro 00:07:36 The fundamentals of risk 00:30:32 Thanks for listening! 00:31:00 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

There are four main asset classes: cash, bonds, property and stocks, and this episode ranks them from safest to riskiest and explains why. Property in particular gets a reality check here, since it's the asset most people assume is "safe" without really questioning why. A useful one for understanding where your money is sitting and what that actually means for your risk. Credits: Hosts: Sophie Hallwright & Victoria Harris Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Welcome to The Curve Throwbacks 00:00:57 Soph’s intro 00:04:28 The four asset classes 00:20:58 Thanks for listening! 00:21:25 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Before anything else in investing makes sense, you need to understand return, volatility and why Einstein rated compound interest so highly. This episode breaks down what people actually mean when they talk about "the return" on an investment, and why different types of investments move up and down at different rates. If you've ever nodded along in a finance conversation without fully following, start here. Credits: Hosts: Sophie Hallwright & Victoria Harris Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Welcome to The Curve Throwbacks 00:00:57 Soph’s intro 00:07:57 Investing 101 00:27:34 Thanks for listening! 00:28:03 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

The Curve is pausing new episodes for the next couple of weeks. Soph's away and Vic is in the middle of moving back to New Zealand to run the fund, so rather than rush new episodes out, the feed is taking a breather. In its place, five of the very first episodes ever recorded are being re-released, the ones that cover the absolute fundamentals of investing. If you're new here or you want a refresher on the basics, this is the perfect entry point. Regular programming is back on 5 October. Credits: Hosts: Sophie Hallwright & Victoria Harris Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Holly's back in the studio (this time in person) for another round of Curveballs, real listeners’ submitted property stories sent in after her last two episodes went viral. Soph & Holly unpack a family vacation home at the centre of five and a half years of conflict, a couple who split renovation labour and income unevenly with nothing in writing, and two very different relationships where one partner brings significantly more wealth, inheritance or equity into the picture. Sophie also gets refreshingly honest about her own situation navigating an uneven income dynamic with her partner. If you want to hear some juicy property stories that might hit a little close to home, this one's for you. Listen to part one with Holly here: https://open.spotify.com/episode/1IlXIaBpV5gidULo4GxB4l?si=9b0fe5b041164b91 Listen to part two with Holly here: https://open.spotify.com/episode/0oHlPINatebG4R3dO8mRyf?si=Md-5eOF2QfmRGzfihRWQ9g Submit your anonymous property curveball story here: https://form.typeform.com/to/DQf0F07b Want to get your own affairs in order? Holly at Succession NZ can help with everything from wills to trusts. Use code THECURVE at checkout on Succession.nz for a special discount. Holly’s links Succession.nz Instagram (https://www.instagram.com/succession.nz/) TikTok (https://www.tiktok.com/@succession.nz) We’re proud to be partnering with BNZ, who know that home ownership isn’t a straight line. Sometimes life throws curveballs, and BNZ is all about supporting you through the hard stuff, not just the highlights. Whether you’re planning ahead or needing a bit more support right now, BNZ’s home loan experts have the tools and people ready to help you find a way. 👉 To learn more, head here: http://bnz.co.nz/home-loan-partners-spotify-ep14 BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply. Credits: Hosts: Sophie Hallwright Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:01:38 BNZ x The Curve 00:01:52 Catch up with Holly 00:15:06 Steph’s Curveball 00:20:15 Tash’s Curveball 00:24:18 BNZ x The Curve 00:24:40 Mia’s Curveball 00:35:18 Lucy’s Curveball 00:43:26 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Lululemon's founder is getting divorced after 20+ years of marriage, and there's no prenup on a fortune worth over $6 billion. We get into what that means for his wife (one of the company's first employees and founding designer), especially as Lululemon posts its second dire quarter in a row and its stock hits an eight-year low. Then, Kendall Jenner just bought a stake in TRIP, the British calming drinks brand, adding to her tequila empire, and we unpack why celebrities are increasingly choosing equity over a paycheck. Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Host: Sophie Hallwright & Vic Harris Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:00:50 Generate x The Curve 00:01:09 Lululemon’s founder’s divorce 00:15:57 Generate x The Curve 00:16:37 Kendall Jenner’s new business venture 00:28:18 Community question 00:31:25 Thanks for listening! 00:32:05 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

First up, government bond yields just hit levels not seen since the 2008 financial crisis, and the headlines are in full panic mode. Vic breaks down what a bond yield actually is, why investors are suddenly worried that governments around the world have overextended themselves, and why a "boring" corner of finance is about to hit your mortgage, your taxes, and your savings account. Then, Shein went public and lost $5 billion in value in its first week of trading, a brutal comedown from the $100 billion it was worth back in 2022. We unpack why the company's entire business model was built on a legal loophole, and the lesson every investor should take from watching that loophole finally close. Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:00:46 Pathfinder x The Curve 00:01:15 Quick update 00:04:48 Why boring bonds suddenly matter 00:21:33 Pathfinder x The Curve 00:22:30 Shien IPO 00:30:08 Ethical Hotline 00:37:11 Thanks for listening! 00:37:50 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Madi Stefanis started her business at 19 with one old film camera and a Facebook Marketplace listing. It sold for 5x the asking price, and that was the beginning of a side hustle that scaled to $70K a month from her bedroom floor, before turning into 35mm Co., a camera brand now sold in nearly every country in the world with over 100,000 units sold. This episode is a true side-hustle-to-global-business story: how Madi went from sourcing and reselling vintage cameras solo, to betting her entire house deposit on manufacturing her own product, to building an 8-figure company, all before turning 26. We get into the real mechanics of scaling a side hustle: how she decided when it was time to go all in, the financial risk that nearly didn't pay off, working with contractors across four countries, and the practical, unglamorous advice she'd give anyone thinking about starting their own thing on the side. Madi’s links 35mm Co Instagram (https://www.instagram.com/35mm_co/) 35mmco.com Madi’s Instagram (https://www.instagram.com/madistefanis/reels/) Check out IOU (The Practical Lessons) here: https://thecurveplatform.com/ We're proud to be partnering with BNZ. There's an art to starting something new, and like any art form, you need the right tools to make it work. Whether you're flatting, saving to travel, or making a career move, BNZ has the tools to help you master your money from the get-go. Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3)⁠⁠⁠ ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Chapters 00:00:00 Episode preview 00:01:02 The Curve x BNZ 00:01:29 Growing up: Madi's story 00:03:46 The first time money made an impression 00:08:04 Inside Madi's personal finances 00:12:54 A health scare that changed everything 00:18:25 From side hustle to full-blown business 00:29:31 The hard truths no one tells you 00:38:30 Building the business behind the scenes 00:39:58 Her best advice for aspiring founders 00:43:04 Extra credit 00:46:51 Thank you BNZ! 00:47:14 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

She's got 33 million followers and one of the most photographed families on the planet. It still took Victoria Beckham 18 years to turn a profit, and £66m in debt to get there. We break down what that says about the difference between revenue and profit, and why runway matters more than either. Plus, tech multimillionaire Bryan Johnson's girlfriend Kate Tolo is running her own 100-day biohacking experiment, tracking 14.8 million data points on her own menstrual cycle in the name of (underfunded) women's health research. And we remember Gloria Steinem. Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Host: Sophie Hallwright Guest: Emma-Louise Boynton Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in today’s episode … 00:01:23 Generate x The Curve 00:01:40 Weekly catchup 00:03:34 Gloria Steinem’s legacy 00:10:25 Victoria Beckham’s business turnaround 00:25:27 Generate x The Curve 00:26:11 Defying death with biohacking 00:45:39 Thank you for listening! 00:46:16 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

This week, Soph and Vic share the Curve Fund's very first monthly update and break down the biggest movers, including Estée Lauder's and AMD. They also get into Apple's new CEO John Ternus, only the seventh in the company's 50 year history, and what his $60 million pay package (mostly in stock) says about how the company rewards long-term thinking. Plus, natural disasters cost the world $450 billion last year, and insurance is quietly becoming unaffordable in the riskiest areas. Turns out, skipping cover might be the worst money decision you make. Chat to our friends at RP Insurance, no cost to talk, just clarity: https://thecurve.out-sauce.ai/refer/r-p-insurance Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode… 00:00:42 Pathfinder x The Curve 00:01:07 Weekly catchup 00:05:05 The Curve Fund’s First Update!!!! 00:22:28 Apple’s got a new girl in town 00:32:57 Pathfinder x The Curve 00:33:40 The rinsing cost of natural disasters 00:42:08 Community question 00:46:41 Thank you for listening! 00:47:18 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

This week, Soph is joined by The Curve’s angel investor, Nicole Bremner. At its peak, Nicole’s portfolio included stakes in over 110 properties. In this episode, the pair get honest about what's shifted in the property market over the last 15 years, and why the old rules of buying property no longer apply. They unpack the diversification blind spot most homeowners don't realise they have, and why an emotional purchase isn't a bad one. Plus Nicole reveals what the UK's Rich List actually shows about how wealthy people build and structure their money. Whether you already own property, are weighing up your next move, or are saving for your first home, this conversation will help you buy smarter and think more clearly about where property fits in your bigger financial picture. Episodes mentioned in this podcast… First episode with Nicole: (https://open.spotify.com/episode/4gbxyFomLKuLZ4uP8lXV9M?si=tfcP_NkYTt2J7H4x53s-AA) Why now is never the right time to invest: (https://open.spotify.com/episode/5hZgkak8soileERUsS8bF5?si=dlxbdweyQsid22Akp_4IMw) Nicole’s links Website (https://www.nicolebremner.com/) Podcast (https://www.nicolebremner.com/podcast) Credits: Hosts: Victoria Harris & Sophie Hallwright Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:00:56 Welcoming Nicole back! 00:01:54 Investing in startups (and The Curve) 00:06:00 Nicole’s property experience 00:15:11 A case study: Switzerland vs Romania 00:19:15 Should buying property be an emotional decision? 00:27:15 The rich list 00:32:54 Property vs stocks? 00:41:50 Thank you for listening! 00:42:21 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Soph and Emma pay tribute to Dolly Parton's legacy and the financial genius behind her career, from refusing to give Elvis half her songwriting credit to owning her entire catalog decades before artists like Taylor Swift and Dua Lipa followed suit. They also break down Meta's $18 billion legal settlement, why prosecutors have finally found a way to hold the platform accountable, and what it signals for big tech going forward. Plus, they get into the rise of men paying matchmakers tens of thousands of dollars to find themselves a traditional wife. Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Hosts: Sophie Hallwright Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:01:10 Generate x The Curve 00:01:27 Weekly catchup 00:03:09 Dolly Parton’s legacy 00:18:42 Generate x The Curve 00:19:18 The $18BN lawsuit 00:41:38 Why men are paying to find tradwives 00:58:04 Thank you for listening! 00:58:42 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

This week we're asking an uncomfortable question: can money literally buy you a longer life? We dig into the eyebrow-raising world of biohacking billionaires spending millions to reverse their biological age, the stark wealth gap in life expectancy (up to 15 years in some countries), and the rise of $50,000 genetic screening packages that let the ultra-wealthy select for IQ, height and health in their future children. Then we shift gears to sport as an investment - unpacking the $12.5B LA Lakers sale, why scarcity drives sports team valuations, and how to get exposure to the female sport boom without buying a whole team. Plus, two community questions: investing in The Curve Investments via direct debit vs. Sharesies, and how to negotiate a pay rise while on maternity leave. Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) WTF does that mean? A guide to all the jargony bits: Asset class — a category of thing you can invest in (property, stocks, sports teams...) Capital gains — profit from an asset going up in value Dividends — regular payouts just for holding an asset Margins — profit left after costs; high margins attract competitors ETF — a ready-made basket of investments you buy in one go Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:00:55 The Curve x Pathfinder 00:01:25 Catching up: our Lorde concert debrief 00:03:56 Can money buy you a longer life? 00:22:33 The Curve x Pathfinder 00:23:13 Sport, money & the $12.5B Lakers deal 00:36:53 Your questions, answered 00:47:52 That's a wrap! 00:48:30 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Before Pete West buys a single investment property, he runs through 7 questions - skip one, and it could cost you thousands. Soph sits down with Pete (the property investor she's worked with on two of her own investments) to break down exactly what he looks for before he buys anything. This isn't about finding your dream home, it's a practical framework for assessing an investment property before you buy. Pete shares the Google Maps trick he uses before even visiting a property, why "the best suburb you can afford" beats a bigger house in a worse one, and the expensive fixes that add zero value versus the ones that do. He also covers how to spot asbestos, dodgy foundations, and unconsented work before they become your problem, plus a real case study: $525k purchase, $70k renovation, $715k revaluation. If you're buying your first investment property, or just want to understand how the pros do it, this one gives you a checklist to take straight to your next viewing. Pete’s Links Instagram (https://www.instagram.com/peterwestproperty) Website (https://www.westpropertycoaching.co.nz/) We're proud to be partnering with BNZ, because no two journeys to home ownership are the same. BNZ's home loan experts are there to help you navigate the process with confidence – from search to signing 👉 To learn more, head here. Credits: Host: Sophie Hallwright Guest: Peter West Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website ⁠⁠Instagram ⁠YouTube⁠⁠ ⁠TikTok ⁠Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

"Emma Grede disease" is TikTok's new shorthand for our collective obsession with founder culture - the private jets, the polished business profile, the highlight reel version of building something from nothing. This week, Soph and Emma unpack where the term came from and whether it holds up, using Grede's Start With Yourself as the springboard for a wider conversation about what success in business actually requires: the trade-offs, the years of unseen graft, and why the aesthetic of success is so often mistaken for the substance of it. They cover the rise of the creator economy and Time's 100 Creators list, why personal brand has become a career asset in itself, the case for staying employed longer in your 20s to build skills before going out alone, and why women get punished for failing publicly in a way men rarely are. What do you think of these episodes? Take our survey here to tell us what you think: https://form.typeform.com/to/nAMRC7oj Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Hosts: Sophie Hallwright & Vic Harris Guest: Emma-Louise Boynton Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming Up In This Episode… 00:00:39 The Curve x Generate 00:00:57 Birthdays, Watches & Being In the Green (Quick Catch Up) 00:03:34 What We're Unpacking Today 00:05:33 What Is "Emma Grede Disease"? (The TikTok Term Explained) 00:16:51 Inside Time's 100 Creators List: Who's Actually Making Money 00:29:22 Take Our Listener Survey! 00:30:18 Do You Need a Personal Brand to Build a Successful Business? 00:38:23 The Curve x Generate 00:39:00 Your 20s vs 30s: Employed, Freelance or Founder? 00:47:00 The Last Taboo: Why We Can't Talk About Failure 00:56:44 Thank You For Listening 00:57:22 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

Samsonite just bought a chunk of Shay Mitchell's luggage brand Beis; a 116-year-old company getting cool by buying it rather than building it. We unpack why this "buy vs. build" move makes sense (and what it means for celebrity-backed brands generally). Then: Selena Gomez is being sued for fraud by Wondermind investors after 3 years of alleged radio silence, is this a case of where there's smoke, there's fire? And finally, Anthropic's revenue has gone from $9bn to $65bn in six months, putting it on track to be the largest tech IPO in history. We break down what that growth actually means, why valuing it is nearly impossible, and whether founders keeping outsized control post-IPO should worry everyday investors. Plus: our ethical hotline tackles whether it's ethical to invest in space, with Lily from Pathfinder. Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) WTF does that mean? A guide to all the jargony bits: Revenue Multiple — What a company sells for, priced as a multiple of its yearly sales. Annual Run Rate — One good month, times 12, dressed up as a yearly forecast. IPO — Going public: selling chunks of your company to literally anyone with a brokerage app. Public Benefit Corporation — A B Corp, but with a lawyer standing behind it. Short Report — A hedge fund trash-talking a stock it's secretly betting against. Cap Table — The receipt for who owns how much of the company. Outsized Voting Rights — Own 5%, control 100% - founder magic. Shareholders' Agreement — The paperwork that saves you from finding out the hard way. Angel Investor — One rich person, one big check, one leap of faith. Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming Up 00:00:55 Pathfinder x The Curve 00:01:21 Sophie's Birthday & Catch-Up 00:03:10 Samsonite Buys Shay Mitchell's Beis 00:18:49 Pathfinder x The Curve 00:19:38 Selena Gomez's Wondermind Lawsuit 00:27:54 Anthropic's Trillion-Dollar IPO 00:41:32 Ethical Hotline: Investing in Space 00:48:27 Thanks for Listening! 00:49:02 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Over 50% of US couples go into debt paying for their wedding, and 1 in 3 regret how much they spent. So what's actually driving the cost up, and what do people wish they'd spent their money on instead? Sophie sits down with Margie Riddiford, co-founder of wedding platform Veil, to unpack the results of The Curve's own audience survey alongside global spending data from New Zealand, Australia, the UK, and the US. They get into the "wedding tax," and why spending money on preserving memories is the one investment that pays off every time. Also, don’t miss the unspoken reality of family financial contributions and the strings that can come attached. Whether you have your special day coming up or love being nosey about wedding mishaps, this episode has you covered. Check out the Weddings Survey results here … https://thecurveplatform.substack.com/p/the-true-cost-of-weddings Margie’s links … Instagram (https://www.instagram.com/margieriddiford) Massive thanks to our sponsors for this episode; VEIL Magazine and Milkbooks. 🕊️ VEIL is this gorgeous print mag all about real romance, ritual and modern matrimony - definitely worth a browse at https://www.veil-magazine.com/ 📸 Milkbooks make photo albums you'll actually want to keep forever, not just shove in a drawer, check them out at https://www.milkbooks.com/ Credits: Host: Sophie Hallwright Guest: Margie Riddiford Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode … 00:01:03 An introduction to Margie & Veil 00:08:40 How did weddings get so expensive 00:13:36 The influence of social media 00:16:21 “The wedding tax” 00:19:20 Margie’s own wedding 00:23:03 What the community do and don’t value spending money on 00:38:55 Family contributions to weddings 00:41:45 The trade off between your wedding vs your future 00:46:09 Final thoughts 00:49:10 Thanks for listening! 00:49:38 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Congresswoman Alexandria Ocasio-Cortez is freezing her eggs and sharing every part of the process with her 6 million+ followers; the hormone injections, the bloating, the uncertainty, and it's got Soph and Emma asking what egg freezing actually costs. In this episode, we cover the real price of freezing your eggs (upfront costs plus the ongoing storage fees nobody mentions), why only 6% of women who freeze their eggs ever go on to use them, why 35-37 (not your 20s) is when most women can actually afford to do it, the booming $129 billion surrogacy industry sparked by the backlash to Cameron Diaz's third child, and why so many fertility decisions; whether to freeze eggs, use a surrogate, or have kids at all, come down to money rather than choice. Content warning: this episode contains strong language and discusses fertility struggles and reproductive health candidly. Read the full New York Times story on the global surrogacy industry in Ukraine, including how the war affected surrogate mothers: https://www.nytimes.com/2022/05/03/magazine/surrogates-ukraine.html Catch our full conversation with Deirdre from Hertility on fertility testing here: https://www.youtube.com/watch?v=Kmi_ba-58nQ Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:01:10 Generate x The Curve 00:01:29 Catching up: Edinburgh Fringe and financial confessions 00:06:57 AOC's public egg-freezing journey sparks a bigger question 00:12:37 The affordability of egg freezing 00:26:39 The real numbers 00:42:40 Generate x The Curve 00:43:18 Inside the booming surrogacy industry 01:00:00 The dating crisis, and why it changes everything 01:11:50 Thank you for listening! 01:12:30 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

Sophie and Vic get into why Alix Earle might be one of the smartest businesswomen on the internet right now, quietly building her own VC firm off the back of her TikTok reach. They put her playbook up against Alex Cooper's, whose media company Unwell just hit a $500 million valuation, and break down who's actually building the bigger empire. Plus, El Niño is compounding the global warming effects we’re already witnessing, and it's about to hit your coffee and chocolate. But first, Spotify could soon be revealing your favourite artist is secretly AI …  Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) WTF does that mean? A guide to all the jargony bits: VC (venture capital) Money invested in early-stage companies with high growth potential. Cap table The list of who owns what in a private company. Valuation What a business is worth on paper, not what's in the bank. Private equity Investment firms that buy stakes in more established companies. Return on investment What you get back compared to what you put in. Angel investing Early money from friends, family or individuals before VCs get involved. Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in today’s episode … 00:00:55 Pathfinder x The Curve 00:01:25 Vic has betrayed us 00:10:00 Spotify’s new AI badges 00:17:16 Alix Earle’s new VC firm 00:28:11 Alex Cooper’s media empire 00:34:00 Pathfinder x The Curve 00:35:01 El niño and Global warming 00:36:15 Community Question 00:50:35 Thanks for listening 00:51:45 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

When you look at a big financial goal, it’s easy to get overwhelmed before you even start. You know you need a buffer for when life goes wrong, and you know you want to save for the things that actually bring you joy, but staring at a massive target number can make you want to give up entirely. That’s when you need to change how you map out your money. Financial literacy powerhouse Hannah Hart (formerly Koumakis) is back on the mic, and this time she’s breaking down how to conquer short-term savings goals, build an airtight emergency fund, and find the sweet spot between protecting your present and investing in your future.  From the mindset shift of officially merging bank accounts after marriage to underestimating a home renovation budget, Hannah shares the exact strategies she uses to reverse-engineer her goals. Sophie and Hannah look at the numbers in granular detail, explaining how to split your accounts for "mini-goals" and why leaving too much cash on the sidelines can actually stall your long-term wealth. If you’ve ever felt stuck trying to balance the tension of saving for a holiday today versus growing your money for tomorrow, this episode is for you.  Don’t forget our last IOU (Side Hustler episode): https://open.spotify.com/episode/5FDI0aPG5bzbriRooqXDWG?si=W4U4J7jVS_KxQ6bMQGda5A  Hannah’s Links  Instagram (https://www.instagram.com/hannahkoumakis/)  TikTok (https://www.tiktok.com/@hannahkoumakis)  deartheseries.com  dearcommunity.co.nz  Seven Content & Dear Brides (http://sevencontentstudio.com)  Check out IOU (The Practical Lessons) here: https://thecurveplatform.com/  We're proud to be partnering with BNZ. There's an art to starting something new, and like any art form, you need the right tools to make it work. Whether you're flatting, saving to travel, or making a career move, BNZ has the tools to help you master your money from the get-go.  Credits: Hosts: Sophie Hallwright Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:01:21 BNZ x The Curve 00:01:48 Catch-up with Hannah 00:04:59 In the red or the green? 00:08:58 The importance of emergency funds 00:17:34 Saving for short term goals 00:22:20 The 50/30/20 rule 00:28:16 Going over budget 00:31:20 Visualising your financial goals 00:35:51 Cash and Burn 00:42:25 Extra Credit 00:44:45 Thank you for listening! 00:44:59 BNZ x The Curve 00:45:22 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Soph and Emma spring off the back of Margot's Got Money Troubles to unpack what's actually going on with OnlyFans. They investigate who's really making money on the platform, how the business model works, and why the numbers are nowhere near as glamorous as the headlines suggest. They also get into the darker side of the industry: the rise of exploitative "managers" who take control of creators' earnings, and why that's happening right under the platform's nose. Plus, why OnlyFans is one of the most profitable businesses but it's almost impossible for it to go public. The real story isn't how much you can make on OnlyFans, it's who ends up keeping it. Sign up to our Substack, we’ve got even more to say topic (https://thecurveplatform.substack.com/) Check out our episode with OnlyFans creator Grace Wears Lace (https://youtu.be/e7dVWOEBl5Y?si=TKZSyUjpEQapV8Pe) If you were intrigued by the ‘Revenge of the Simps’ article (https://www.thecut.com/article/cam-girls-webcam-pimp.html) Just in case you wanted to read the peer-reviewed paper (https://link.springer.com/article/10.1007/s12119-025-10389-2) Emma’s Links Instagram (https://www.instagram.com/emmalouiseboynton) Pleasure (https://geni.us/pleasureelboynton) Sex Talks (https://www.sextalks.co.uk) Substack: (https://emmalouiseboynton.substack.com/) WTF does that mean? A guide to all the jargony bits: Operating profit What's left after running costs. Before tax takes its cut. Valuation What a business is worth on paper. Not what's in the bank. IPO When a private company sells shares to the public for the first time. External capital Outside money brought in to help a business grow. Payment processing risk The chance your bank partners get cold feet and pull out. Revenue split The cut a platform or manager takes before you see a penny. Dividends Profit paid out to owners instead of reinvested in the business. Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Hosts: Sophie Hallwright Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in today’s episode … 00:01:04 Generate x The Curve 00:01:02 Weekly catch up 00:05:14 Margo’s got money troubles review 00:13:20 The non-sexual side to OnlyFans 00:19:50 How much can you actually earn? 00:34:04 Generate x The Curve 00:34:41 The dark side of OnlyFans 00:44:10 Behind the business model 00:59:10 Key takeaways 01:01:20 Thanks for listening 01:02:04 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

Vic is officially back in the studio after a month-long hibernation in New Zealand! Reunited with Soph, the dream team unpack how the cost of living crisis is rewiring the dating scene. Who should pay when the average date costs $189?  Alongside navigating the wild world of modern romance, the girls celebrate the official launch of The Curve Fund, break down whether Jeff Bezos selling $4 billion in Amazon stock is actually a massive red flag, discuss Reformation's iconic NYSE debut where fashion met finance, and take a quick look at SpaceX’s post-IPO reality check. Tune in for a punchy mix of finance, fashion, and real-talk on navigating love and money. We are so proud to have created a fund that has been designed essentially by you - The Curve Community. To find out more visit https://thecurveinvestments.co.nz/ The botox episode: https://youtu.be/FPGWvf0ef9o?si=PxHB8N_Y8ToNsL6r The botox Substack piece: https://substack.com/home/post/p-209764001 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) WTF does that mean? A guide to all the jargony bits: Credits: Hosts: Victoria Harris & Sophie Hallwright Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in the episode… 00:01:13 Pathfinder x The Curve 00:01:38 Vic's back! 00:07:26 Jeff Bezos sells $4bn of Amazon stock 00:12:50 Reformation lists on the NYSE 00:24:13 Pathfinder x The Curve 00:24:58 Is money changing how we date? 00:38:56 SpaceX comes back down to earth 00:42:50 Community question 00:45:55 Thank you for listening!! 00:46:33 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Hannah Mayfield swapped a career in fashion for financial coaching, and now teaches thousands of people how to build real financial freedom, not just save for the sake of it. In this episode, she and Sophie talk about why there's no single "right" way to manage your money, and how to invest ethically without it becoming all-consuming. They also unpack the "singles tax," the invisible financial gap women face after having kids, and why the healthiest relationship with money might be a fluid one rather than a rigid, rule-bound one. If you've ever felt like money is something to survive rather than something that buys you options, this conversation might just change that. Hannah’s links … Website (https://www.whatiswealth.io/) Instagram (https://www.instagram.com/hannahwhatiswealth/) LinkedIn (https://www.instagram.com/hannahwhatiswealth/) Credits: Hosts: Sophie Hallwright Editor: Kate Callaghan Producer: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode … 00:01:05 Hannah’s money journey 00:07:54 The UK property market 00:16:19 Analysing your attitude towards money 00:21:05 Demystifying ethical investing 00:29:26 Quickfire Questions 00:43:53 Thanks for listening 00:45:03 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

This week, Sophie and Emma finally have the conversation they've been avoiding for months (maybe years): what beauty spending actually costs women over a lifetime, and whether skipping it is a luxury anyone can afford. They get very honest about what they've personally spent on Botox, filler and laser, then run the numbers on what that money could be worth if invested instead. Plus they unpack why workplace ageism means looking young isn't just about vanity, and whether the "transparency era" of plastic surgery is helping women or just normalising more of it. At some point it stops being about beauty and starts being about tradeoffs; this episode just puts numbers on them. Sign up to our Substack, Soph's Botox confession is coming (https://thecurveplatform.substack.com/) Denise Richards' facelift recovery in Allure, warning, it's pretty graphic (https://www.allure.com/story/denise-richards-facelift-before-and-after) Emma’s Links Pleasure: https://geni.us/pleasureelboynton Sex Talks: https://www.sextalks.co.uk/ Instagram: / emmalouiseboynton (https://www.youtube.com/redirect?event=video_description&redir_token=QUM4Zm9rUkdXbE1pSV9FeUVqOTBqNEVXaUNkTXxBR3JiS2Fsa0k3aW1xSS1vTjlXajhSV2JKck82cjNlWmNwZDFjUTYyb2lrazZJeE9vMS1pV241eHpldzdhT09SVDZmeVRmcDVNd1h3S3YxZnJpOEhfUlhhSTc5X3RRNHFUVGU3&q=https%3A%2F%2Fwww.instagram.com%2Femmalouiseboynton&v=GF8IJCxAEgs) Substack: https://emmalouiseboynton.substack.com WTF does that mean? A guide to all the jargony bits: Compound interest Money making money, then that money making money too. Opportunity cost What you gave up by spending it on your face instead. ROI Return on investment, or "was it worth it" with a number attached. Motherhood penalty The pay cut nobody signs up for but most mums get anyway. Economic inactivity rate The percentage of people not working and not looking for it either. Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Hosts: Sophie Hallwright Guest: Emma Louise-Boynton Editor: Kate Callaghan Producer: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode … 00:01:20 The Curve x Generate 00:01:50 In the red or the green? 00:05:44 The pressure of beauty standards 00:18:22 How much Soph and Emma have spent 00:26:35 Is transparency helping us? 00:34:29 The financial cost of procedures 00:48:43 The Curve x Generate 00:49:29 The professional cost of staying natural 01:03:06 Thanks for listening! 01:05:01 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

Would you take a guaranteed 50k or flip a coin for a shot at 1 million? A new YouGov poll reveals a huge gender gap in who's willing to take the risk, and Sophie and Abi discuss whether it's really about risk appetite, or just financial education. Then: why billionaires are buying up land in New Zealand, and how a Kiwi rocket company just spent $8 billion trying to take on Elon Musk. Plus, an AI model "hacked its way out" of a locked test environment (yes, it's as creepy as it sounds), why Apple just became the world's most valuable company while the rest of the Magnificent 7 wobble, and how Dior single-handedly propped up LVMH's entire luxury empire. And in this week's listener question, Abi breaks down the UK's triple lock pension, and why she thinks it's quietly unsustainable. We are so proud to have created a fund that has been designed essentially by you - The Curve Community. To find out more visit https://thecurveinvestments.co.nz/ Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) Abi’s Links ⁠The Money Manual Book⁠: https://www.penguin.co.uk/books/46857... ⁠Instagram⁠: https://www.instagram.com/abigailrosefoster/ ⁠TikTok: https://www.tiktok.com/@abigailrosefoster ⁠YouTube: https://www.youtube.com/channel/UCmvbS2HZTs72pst13nBEmJw/videos Substack: https://elent.substack.com/ WTF does that mean? A guide to all the jargony bits: Expected value - Maths' posh way of saying "just flip the coin." Loss aversion - Why losing £20 hurts more than finding £20 feels good. Golden visa - Buy a big enough house, get a passport thrown in. Magnificent 7 - The 7 US tech giants worth more than whole countries. Sandbox testing - Letting an AI loose in a locked playpen to see what it breaks. Circular financing - Mates' companies paying each other and calling it growth. Triple lock - The state pension's built-in "always go up" button. Double lock - Triple lock's cheaper, less generous sibling. State pension - The government's weekly hand-me-down, currently ~£241. Workplace pension - The pot you and your employer actually build up. Universal Credit - The state pension's cousin, minus the good PR. Inflation eroding savings - Same money, shrinking spending power. Credits: Host: Sophie Hallwright Guest: Abi Foster Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:01:14 Pathfinder x The Curve 00:01:43 It's official: The Curve Fund has launched! 00:03:35 In the red or green? 00:04:11 Would you flip a coin for 1 million? 00:12:34 Why billionaires are buying up New Zealand 00:21:54 Pathfinder x The Curve 00:22:35 The AI model that hacked its way out 00:29:14 How Dior single-handedly saved LVMH 00:34:42 Your question: is the triple lock pension sustainable? 00:41:50 Thanks for listening! 00:42:27 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

The secret's finally out: The Curve Investments is FINALLY here. If you've been with us since the dusty, windowless studio days, this is the moment we've been building towards since episode one. If you're new here, welcome, you've picked a big week to join. In this episode, we sit down to unpack the biggest announcement The Curve has ever made: why it's taken years (and a lot of behind-the-scenes tears) to get here, what it actually means to invest alongside us, and why Vic left a career in funds management only to walk straight back into it, this time, on her own terms. Expect honesty about the hard bits plus all the detail on how the fund works, who it's for, and just how little you need to get started. This one's a big deal. Get comfy. We are so proud to have created a fund that has been designed essentially by you - The Curve Community. To find out more visit https://thecurveinvestments.co.nz/ ‘Why now is never the right time to invest.’ : https://youtu.be/mt6Q4-wRvIY?si=9ULFhcl4yjcrP424 Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 The announcement we've been sitting on 00:01:05 Fund vs fund manager: what's the difference? 00:07:53 Why Vic wanted a different route 00:13:12 Recording our very first episode 00:15:42 Raising capital + the investing club 00:25:09 How the fund actually works 00:35:05 Who can invest? 00:36:10 What the fund will invest in 00:39:16 Fund investing vs DIY investing 00:40:56 How Vic's feeling about it 00:49:06 Thank you for listening! 00:49:33 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. The Curve Investments Limited is the Manager and Issuer of The Curve Fund. Product Disclosure Statements are available at thecurveinvestments.co.nz.

Family disputes over wills and inheritance have risen by almost 130% in the last decade. We break down exactly why; from rising dementia rates to blended families and second marriages, to house price booms leaving families with tax bills they can't afford, and share practical ways to protect your family from becoming one of these statistics. Plus, is the Cartier Love bracelet the new Birkin? We look at whether it's actually a smart investment or just expensive peer pressure, and how the pre-owned Birkin market has returned 92% in a decade. And finally, the India exam scandal: how wealthy families have been paying $50,000 to buy medical exam papers in advance, and what it says about the widening wealth divide. WTF does that mean? A guide to all the jargony bits: Luxfluencer — Influencer, but only handbags and jewellery. Emerging market — Fast-growing economy, not quite superpower yet. GDP — The scoreboard for how much a country produces. Wealth tax — Tax on what you own, not what you earn. Still just talk. Probate — The legal admin after someone dies. Inheritance tax — The bill after death, with a tight deadline. Expression of wishes form — The pension form you filled in once and forgot. Power of attorney — Who legally decides for you if you can't. Abi’s Links ⁠The Money Manual Book⁠: https://www.penguin.co.uk/books/46857... ⁠Instagram⁠: https://www.instagram.com/abigailrosefoster/ ⁠TikTok: https://www.tiktok.com/@abigailrosefoster ⁠YouTube: https://www.youtube.com/channel/UCmvbS2HZTs72pst13nBEmJw/videos Substack: https://elent.substack.com/ Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Host: Sophie Hallwright Guest: Abi Foster Producer & Editor: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in the episode 00:01:12 Generate x The Curve 00:01:30 Red or green week? 00:05:59 Is Cartier the new Birkin? 00:14:52 Generate x The Curve 00:15:54 The exam scandal rocking India 00:24:23 Why families are suing each other over wills 00:37:34 Thank you for listening 00:38:12 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

A Chinese startup called Moonshot AI has released Kimi K3 - the world's largest open source AI model, and it's already rivaling the AI tools we all use every single day. It's cheaper, it's fast, and it's backed by the Chinese government. So why is this making investors panic? In today's episode we break down what Kimi K3 actually is, why "open source" AI could mean the end of paying for ChatGPT and Claude subscriptions and whether this is the moment the AI bubble finally pops Plus: the UK's political chaos and why the stock market has become impossible to invest in, the oil price spike driving up your grocery bill, and a Curve Hotline question from a listener on maternity leave asking how to keep investing on a reduced income. Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) WTF does that mean? A guide to all the jargony bits: Kimi K3 — Free, open-source Chinese AI model now rivalling Claude/ChatGPT. AI bubble — Fear that AI stock prices are overhyped and could crash. ETF — A bundle of many stocks in one investment — easy diversification. FTSE 100 — UK's top 100 listed companies (our S&P 500). Fiscal headroom — The gap between what govt earns vs. spends. 3 govt levers to close that gap: print money (→ inflation), raise taxes (VAT, National Insurance, GST), or borrow via bonds. Brent Crude — Global benchmark oil price. Credits: Hosts: Victoria Harris & Sophie Hallwright Editor: Kate Callaghan Producer: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:01:16 Pathfinder x The Curve 00:01:46 We’re British Podcast Awards finalists! 00:02:48 Abi and Soph’s weeks 00:04:56 Kimi K3 and What It Means for Your Portfolio 00:16:00 Pathfinder x The Curve 00:16:49 UK political instability knock-on effects 00:30:04 Oil prices jump again 00:33:42 The Curve Hotline 00:38:16 Thank you for listening! 00:39:58 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Pete has spent 10 years in the property game, helping people build their wealth, including Sophie! In this episode, they team up to unpack the crucial things most buyers quietly ignore: why your life partner is actually your most critical financial asset, the dangerous psychology behind property auctions, and why understanding the difference between a home and an investment property can help you make better financial decisions. If you're buying with a partner, considering your next property move, or just want to know how to spot a red flag before it costs you $40,000, this one is worth your full attention. Pete’s links: Instagram (https://www.instagram.com/peterwestproperty) Website (https://www.westpropertycoaching.co.nz/) We’re proud to be partnering with BNZ, who know that home ownership isn’t a straight line. Sometimes life throws curveballs, and BNZ is all about supporting you through the hard stuff, not just the highlights. Whether you’re planning ahead or needing a bit more support right now, BNZ’s home loan experts have the tools and people ready to help you find a way. 👉 To learn more, head here: http://bnz.co.nz/home-loan-partners-apple-ep15 BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply. Credits: Hosts: Sophie Hallwright Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

This week on The Curve Weekly, we are joined by writer, broadcaster, journalist and founder of Sex Talks, Emma Louise-Boynton. We dive into Belle Burton's ‘Strangers’, the memoir everyone has been talking about: a story about a husband who ups and leaves after 21 years of marriage with no warning, or explanation. Soph and Emma unpack why Strangers at the crux of it is a story about financial abuse, and how important it is to not hand over your financial identity. They also get into the rise of long-term relationship ghosting and why now more than ever we need to be protecting ourselves financially - even if we are in love. They talk about why prenups are actually romantic, and create a list of questions every couple should be asking each other to get on the same page financially.  Oh, and both hosts admit they're currently failing at practicing what they preach in their own relationships. A very honest conversation about why this stuff is so hard to do in practice, even when you know better. Emma’s Links Pleasure: https://geni.us/pleasureelboynton Sex Talks: https://www.sextalks.co.uk/ Instagram: https://www.instagram.com/emmalouiseboynton Substack: https://emmalouiseboynton.substack.com/about WTF does that mean? A guide to all the jargony bits: Prenup An agreement made before marriage on who gets what if it ends. De facto Legally recognized as a couple after living together for a set period, even if unmarried, with rights similar to marriage. Trust fund Assets held and managed on someone's behalf, often paid out at a set time or event. Pension gap The retirement shortfall women face from career breaks. Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Host: Sophie Hallwright Editor: Kate Callaghan Producer: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:01:27 Generate x The Curve 00:01:48 Introduction to Emma 00:09:49 In the red or the green? 00:14:40 Lessons from Strangers 00:31:50 Avoiding the finance talk with your partner 00:42:39 Generate x The Curve 00:43:18 Step 1: Know yourself and your financial situation 00:48:30 Step 2: Questions to get on the same page with your partner 00:54:13 It’s never too late to start 01:01:52 Thank you for listening! 01:03:02 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

This week Sophie's joined by chartered accountant, author and finance creator Abi Foster (filling in for Vic) to unpack the UK's brand-new Buy Now, Pay Later regulations - why they've come in, what they actually mean for your credit score, and how one woman ended up $50k in debt using it. Plus: should you be divesting from the US stock market right now, SpaceX's IPO wobble and Elon losing his trillionaire status, the $110bn Warner Bros/Paramount merger 12 US states are trying to block, and a genuinely lovely bonus story about a Costco cashier who built a $1m retirement pot on minimum wage. Abi’s Links ⁠The Money Manual Book⁠: https://www.penguin.co.uk/books/46857... ⁠Instagram⁠: https://www.instagram.com/abigailrosefoster/ ⁠TikTok: https://www.tiktok.com/@abigailrosefoster ⁠YouTube: https://www.youtube.com/channel/UCmvbS2HZTs72pst13nBEmJw/videos Substack: https://elent.substack.com/ Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) Lily’s guide to ethical investing template: https://pathfinder.kiwi/media/documents/Pathfinder_x_The_Curve_Mini_Ethical_Investment_Policy.pdf WTF does that mean? A guide to all the jargony bits: FCA The UK's finance regulator, now policing BNPL. Section 75 Your provider's on the hook if a purchase goes wrong. Soft check A background check that doesn't dent your credit score. Credit score The number lenders use to judge how risky you are. Earnings season Weeks when public companies report results. S&P 500 The top 500 US companies. Magnificent Seven The 7 tech giants dominating the US market. Divesting Selling investments to cut your exposure. Emerging markets Fast-growing but riskier economies. IPO A company's first share sale to the public. Monopoly One player controls the market, no competition. Credits: Host: Sophie Hallwright Guest: Abi Foster Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:01:12 Pathfinder x The Curve 00:01:42 Abi's back on the pod! 00:03:53 Buy now, pay later: the rules just changed 00:17:43 Should we be divesting from the US? 00:29:53 Pathfinder x The Curve 00:31:05 The $110bn media merger nobody saw coming 00:36:34 Soph's bonus story 00:39:25 The Ethical Hotline 00:45:05 Thank you for listening! 00:46:13 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

If you've ever felt behind on money, like everyone else somehow "gets it" and you missed the lesson, this episode is for you. Sophie sits down with finance creator Ciara Anne to break down, step by step, how she went from financially avoidant to having over £200,000 invested, without cutting out the things she enjoys: what compound growth actually means and why it's so hard to grasp at first, what dollar-cost averaging is and how Ciara adapted it into her own "curated" version (holding back a portion each month to invest more when the market dips), what an ETF actually is versus picking individual stocks, why a stocks and shares ISA is tax-free, what "risk appetite" really means, the idea of Coast FIRE and retirement as a financial state rather than an age, and why so many women were never taught any of this in the first place. Ciara is living proof that building wealth doesn't require depriving yourself, just consistency and the right foundations. Ciara’s links Instagram (https://www.instagram.com/ciara___anne/) TikTok (https://www.tiktok.com/@ciara__anne) Want to know your Coast FIRE number? Ciara breaks it down here: Coast FIRE explained (https://www.instagram.com/p/DX2WR6-qOXH/) Episodes mentioned in this podcast… Economist Bronwyn Taylor explains why 'Girl Math' is a toxic trend. (https://youtu.be/VEKpsJlReb8?si=tbit37Bn767tMDUk) Mia McGrath’s Frugal Chic Rules for Building Wealth. (https://youtu.be/nV74s4FoyUI?si=zVHVGU_9hvgrseM7) Credits: Host: Sophie Hallwright Guest: Ciara McMahon Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Episode Preview 00:01:04 Who is Ciara? 00:02:16 Why women don’t talk about money 00:11:49 Ciara’s financial journey 00:23:04 A conversation with Ciara’s sister 00:32:53 Ciara’s investing strategy 00:43:13 Ciara’s fav ETFs 00:44:34 Jealousy within friendship groups 00:49:52 Thank you for listening! 00:50:19 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Today we tackle one of the most controversial money topics out there: should billionaires pay more tax? With a wealth tax vote coming to California and France debating the same fight, Vic and Soph go head to head - one wants a minimum personal income threshold for the ultra-rich, the other says the real fix is corporate tax and preventing this level of wealth concentration in the first place. We also dig into the gender gap behind who's actually getting taxed (only 14% of billionaires are women), then switch gears to break down Taylor Swift and Travis Kelce's reported $20 million wedding - the Madison Square Garden price tag, the donation to NYC, and the prenup drawn up by Taylor's dad. Plus Dua Lipa and Callum Turner's wedding, and why more couples (led by women) are finally normalising prenups. PLEASE VOTE FOR US! The Curve has been nominated for best Education podcast at The British Podcast Awards 🏆 - if you've ever laughed, learned, or yelled at your phone during an episode, vote for us here: https://www.britishpodcastawards.com/voting Takes 10 seconds and would mean the world to us. Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode 00:00:55 Generate x The Curve 00:01:13 Quick catch up 00:04:15 Vote for us in the British Podcast Awards! 00:05:51 Should billionaires be taxed? 00:22:51 Generate x The Curve 00:23:36 Taylor Swift & Travis Kelce's $20M wedding 00:32:24 See you Friday! 00:34:57 Thanks for listening! 00:35:34 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

New data shows 53% of engaged or married Americans under 45 now have a prenup, up from 34% just a few years ago - and women are the driving force behind the shift. Sophie and Vic unpack what's behind the surge, what the "default" marriage contract looks like if you never write your own, and the question lawyers say you need to answer before you book one: what's your actual worst-case scenario. Plus: New Zealand, Australia and the UK just made three different interest rate calls off the same oil shock, and Amazon's $25B bond raise came in softer than expected, a possible early signal of AI fatigue. PSA! We've been nominated for a British Podcast Award! It takes 10 seconds to vote and would mean the world to us. Vote here: britishpodcastawards.com/voting Want to get in touch with our recommended prenup experts? Email us at hello@thecurveplatform.com (mailto:hello@thecurveplatform.com) Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) WTF does that mean? A guide to all the jargony bits: Prenup – The default contract you never signed, now with edits. De Facto – Married in the eyes of the law, minus the wedding. Bond – A very official "I'll pay you back, promise." Equity – Selling a slice of your company instead of your soul to debt. Interest Rates – The price tag on borrowed money. Fixed vs. Floating Mortgage – Locked-in rate vs. rollercoaster rate. Term Deposit – Your money, napping in the bank for interest. Stagflation – Prices up, economy down. No one wins. Diversification / Divest – Spread it around, or get it out. Credits: Hosts: Victoria Harris & Sophie Hallwright Editor: Kate Callaghan Producer: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 British Podcast Awards! 00:00:18 Coming up in this episode… 00:01:19 Pathfinder x The Curve 00:01:48 Welcome from the new office 00:06:30 The prenup boom 00:19:16 Vic’s exciting interest rates 00:25:53 Pathfinder x The Curve 00:26:36 Cracks in the AI bubble? 00:38:26 Thank you for listening! 00:40:14 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Sometimes budgeting can only get you so far. You can track every dollar, split your accounts perfectly, and still find there's nothing left over to invest in your future. That's when you need to shift your focus from saving what you have to earning more. Hannah Koumakis is back on the mic, and this time she's breaking down the side hustles that actually work, the ones that don't, and how to find the balance between hustling hard and burning out. From extras work on Netflix shows to mystery shopping, pet sitting, and even being someone's human alarm clock (yes, really), Hannah shares the unconventional ways she earned money while studying full time. She's also honest about the side hustles that made her zero dollars, the importance of not stretching yourself too thin, and why every experience, even the weird ones, shapes who you become. If you've ever felt stuck because your income just isn't enough, this episode is for you. Dimes Vintage: https://www.instagram.com/carpe_dimes/ Hannah’s Links Instagram (https://www.instagram.com/hannahkoumakis/) TikTok (https://www.tiktok.com/@hannahkoumakis) deartheseries.com dearcommunity.co.nz Seven Content & Dear Brides (http://sevencontentstudio.com) Check out IOU (The Practical Lessons) here: https://thecurveplatform.com/ We're proud to be partnering with BNZ. There's an art to starting something new, and like any art form, you need the right tools to make it work. Whether you're flatting, saving to travel, or making a career move, BNZ has the tools to help you master your money from the get-go. Credits: Host: Sophie Hallwright Guest: Hannah Koumakis Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3)⁠⁠⁠ ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Chapters 00:00:00 Welcome to IOU (Some Money Education)! 00:00:16 Coming up in this episode… 00:01:03 BNZ x The Curve 00:01:30 Welcoming Hannah back for part 2 00:04:06 What happens when you dont have much left after you've budgeted 00:06:24 In the red or in the green? 00:12:22 Deciding what gets cut 00:16:11 The art of visualisation 00:20:03 Enter: side hustles 00:22:47 Disclaimer: you actually have to do it 00:27:21 Side hustle idea #1 Extras work 00:32:12 Side hustle idea #2 Mystery shopper 00:33:07 Side hustle idea #3 Events work 00:34:30 Side hustle idea #4 Supermarket sampling 00:35:03 Side hustle idea #5 Pet sitting 00:40:36 Side hustle idea #6 Babysitting 00:41:16 Side hustles that just aren’t worth it 00:43:16 Cash & burn 00:46:01 The importance of not overdoing it 00:49:15 Extra Credit 00:50:28 Thank you for joining us for IOU (Some Money Education) 00:51:01 Thank you BNZ! 00:51:26 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

First up, a Wimbledon winner takes home £3 million, but a player ranked 150th can't even afford their own lunch? Vic breaks down the brutal economics of tennis, how Centre Court tickets became high-return investments, and what happens when live sports suddenly become a massive lifestyle trend. Then, a historic $124 trillion is about to change hands, and 70% of it is going straight to women. We unpack why the traditional finance industry is completely unprepared for this shift, why the majority of widows fire their male advisors within a year, and the awkward conversations we need to start having with our parents. Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Hosts: Victoria Harris & Sophie Hallwright Editor: Kate Callaghan Producer: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:01:03 Generate x The Curve 00:01:25 New episode schedule 00:05:32 Why Wimbledon tickets can be an investment 00:25:44 Generate x The Curve 00:26:21 The great wealth transfer 00:40:37 Thank you for listening! 00:42:36 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

Why haven't flight prices dropped even though oil prices have? Vic breaks down airline hedging and why we're stuck paying more for a while yet. Then, Nike just posted a $1 billion profit, sounds amazing, right? We dig into why the share price tells a very different story, and what it teaches us about reading past flashy headlines. Finally, a record-breaking $1 trillion has poured into ETFs in the first six months of the year alone. We unpack why the funds outperforming right now might not be the ones you'd expect, and why "diversified" doesn't always mean what you think it does. Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) WTF does that mean? A guide to all the jargony bits: Hedging – Locking in a price now so you're not stung later. Commodity – A raw material everyone needs, like oil or coffee. Tariff – A tax on stuff coming into a country. Market Cap – A company's total value based on its share price. Large Cap vs Small Cap – Big, established companies vs smaller, riskier ones. Dow Jones – Another stock market index, just older. Emerging Markets – Countries with growing economies, like Brazil or India. Share Price – What one share of a company costs. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:01:13 The Curve x Pathfinder 00:01:43 Quick catch up: dogs, Devon & moped man 00:06:26 Why flights aren't getting cheaper 00:17:26 Nike's billion dollar illusion 00:26:28 The Curve x Pathfinder 00:27:10 Are ETFs losing their charm? 00:41:01 See you on Wednesday! 00:42:15 Thank you for listening! 00:42:54 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

This one is for anyone who has looked at the state of the world lately and thought: maybe I'll just wait until things settle down... Vic and Soph recently spoke at The London Business School and someone in the crowd asked this question… “Given the state of the world - wars, oil, tariffs etc... do you really think it’s a good time to be investing?” And honestly? We know a lot of you are feeling the same way. In this episode we went through the five biggest market crashes of the last 30 years. What actually happened? How long it took to recover? And why when the world is chaotic (like right now), you should be ignoring your instincts when it comes to investing! Soph is joined by Fran (a returning fan-favourite guest). She is a chartered accountant and finance director - the two look at the biggest market crashes the stock market has ever seen, and how to stay the course when every instinct is telling you to not invest right now. Whether you're brand new to investing or deep in the markets and quietly panicking, this one's a reminder that boring, consistent, and long-term strategy always wins. Watch the first episode with Fran here. (https://www.youtube.com/watch?v=dlyVoMAasjI&t=407s) Fran’s links: Tiktok (https://www.tiktok.com/@martha30s) Instagram (https://www.instagram.com/martha.stewish/) Substack (https://marthastewish.substack.com/) YouTube (https://www.youtube.com/@martha.stewish) Thanks so much to Generate for making this episode possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: generatekiwisaver.co.nz/curve Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures.  Credits: Host: Sophie Hallwright Guest: Martha Stewish Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Welcome back, Fran! 00:02:59 The question from London Business School that started it all 00:04:04 Getting your investing mindset right (and why your time horizon is everything) 00:12:06 30 years of the stock market, by the numbers 00:16:31 What does a "crash" actually mean? 00:17:38 The dot-com bubble 00:20:32 The Global Financial Crisis 00:27:58 The COVID crash 00:29:41 The Ukraine war & inflation 00:35:33 Liberation Day & the tariffs 00:36:34 The best thing you can do? Absolutely nothing. 00:41:52 Fran's pension: £48k in, £115k out 00:46:09 On FOMO and why it's your biggest investing enemy 00:53:47 Final thoughts 00:55:45 Thank you for listening! 00:56:12 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

Argentina handed the US a list of 130,000 child support debtors and said: don't let them into the World Cup. Soph and Vic break down why this is so much bigger than football. They also get into 10 years of Brexit and what it's actually cost the average person in wages, housing, and political chaos. Plus, SpaceX has fallen 25% since it IPO'd and Vic didn't buy it. One day before trading, it received the lowest possible ESG rating, all because Elon Musk has almost full decision making control. And the community question this week: you've just got a pay rise. How much should actually go into investments? How to negotiate a payrise with Meggie Palmer: https://open.spotify.com/episode/2wU2as6IcT2g1Q3b8gZsoF?si=7933f108bbe0421e The Art of Asking for More (and Getting It), with Meggie Palmer: https://open.spotify.com/episode/4hEtjvU07tsIcXH16FX3GR?si=22a7b400665b4de4 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) Credits: Hosts: Victoria Harris & Sophie Hallwright Social & Digital Manager: Lucy Munro Editor: Isabella Reeve ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:01:18 Pathfinder x The Curve 00:01:44 The UK heatwave's billion-dollar economic impact 00:06:44 Brexit: 10 years on and the economic damage revealed 00:20:35 Pathfinder x The Curve 00:21:34 SpaceX IPO 00:30:48 Argentina's FIFA World Cup rule 00:36:18 Community question: What to do with a 40k pay rise 00:41:32 Thank you for listening! Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Buying property with a partner is one of the biggest financial decisions you'll ever make, but most couples spend more time choosing the kitchen tiles than figuring out what happens if things go wrong. Holly Egerton is a property lawyer who has bought (and navigated the aftermath of) two properties with two different partners. She brings both the personal experience and the legal knowledge, and the combination makes for one of the most honest conversations we've had on this podcast. This conversation is about what most couples never discuss: what happens to the house if the relationship ends, what a prenup actually is (and why you already have one whether you know it or not), and how property can quietly become the reason you stay in a relationship longer than you should. If you're buying with a partner, thinking about it, or just want to understand how to protect yourself financially, this one is worth your full attention. Listen to part one with Holly here: https://open.spotify.com/episode/1IlXIaBpV5gidULo4GxB4l?si=9b0fe5b041164b91 Submit your anonymous property curveball story here: https://form.typeform.com/to/DQf0F07b Want to get your own affairs in order? Holly at Succession NZ can help with everything from wills to trust formations. Use code THECURVE at checkout on Succession.nz for a special discount. Holly’s links Succession.nz Instagram TikTok We’re proud to be partnering with BNZ, who know that home ownership isn’t a straight line. Sometimes life throws curveballs, and BNZ is all about supporting you through the hard stuff, not just the highlights. Whether you’re planning ahead or needing a bit more support right now, BNZ’s home loan experts have the tools and people ready to help you find a way. 👉 To learn more, head here. BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply. Credits: Host: Sophie Hallwright Guest: Holly Egerton Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠ Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ (https://www.instagram.com/thecurveplatform/) ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3)⁠⁠⁠ (https://www.tiktok.com/@thecurveplatform) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

El Niño is back, and it is already happening. Last time a weather event this strong hit, the global economy lost nearly $6 trillion. This time it is arriving on top of post-war inflation, elevated energy costs, and supply chains that are still finding their feet. We break down what El Niño actually is, why the timing is brutal, and where Vic sees a genuinely interesting long-term investing opportunity sitting inside all of it. Plus: the biggest IPO in history just landed, Elon Musk is officially a trillionaire, and the UK has finally banned social media for under-16s. We get into the financial side of that too, including which platform is going to feel it most. 💍 Getting married, been married, or just been to a lot of weddings? We want to hear from you, fill in our anonymous wedding cost survey here (https://form.typeform.com/to/TUGcMgSC). Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) The views expressed by Pathfinder via the Ethical Hotline are of a general nature and are not specific to Pathfinder's product, to learn more about Pathfinder and what they do, please visit their website at www.pathfinder.kiwi Credits: Hosts: Victoria Harris & Sophie Hallwright Social & Digital Manager: Lucy Munro Editor: Isabella Reeve ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://the-curve-rkwjhw.myklpages.com/l/RkcXTd) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:01:30 Pathfinder x The Curve 00:07:22 Sneak Peak: Wedding Costs 00:09:04 SpaceX: The biggest IPO in history 00:18:14 The Tesla-SpaceX merger rumor 00:20:06 Middle East ceasefire and oil prices 00:21:57 UK bans social media for under 16s 00:28:02 Pathfinder x The Curve 00:29:04 El Niño is here and it's hitting your wallet 00:34:53 The investment opportunity in water infrastructure 00:38:36 Your community question answered 00:42:09 Exciting announcements and what's coming 00:42:55 Thank you for listening! 00:43:33 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

We've heard Sophie talk about money on this podcast hundreds of times. But this episode? This is different. For the first time, Emily (Podcast Producer) and Lucy (Social Media Manager) here at The Curve sat down with Soph to go deep, from stealing as a six-year-old, to blowing her dad's credit card after the Christchurch earthquake, to arriving in Italy with literally no money despite having 24k in investments. We also hear from Sophie's actual parents (yes, we went there), get the full story on her relationship with money inside a relationship, and land somewhere that honestly made us a little emotional. This one's for the long-time listeners and the brand new ones alike. We hope you love it! The episode with Vic & Soph’s dads: https://youtu.be/xS75WsX9huo?si=iSl7Q0G_bs4lLbQh Credits: Hosts: Emily Rigby & Lucy Munro Guest: Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Episode preview… 00:01:05 Welcoming our guest, Sophie Hallwright 00:02:22 How The Curve went from a fictional idea to a real business 00:06:50 Sophie's relationship with money today 00:09:40 The first money memories Sophie has never shared before 00:15:39 Her message from Soph's dad 00:19:28 The Christchurch earthquake, a credit card, and a spiral 00:23:59 How competitive gymnastics shaped everything that came after 00:26:43 A message from Soph's mum 00:28:03 The Italy story: 24k in investments and no money for a bus ticket 00:32:01 The moment everything finally clicked 00:35:08 How she bought two investment properties 00:36:28 Sophie's latest acquisition… a boyfriend 00:42:11 What she'd tell her younger self 00:42:49 Where to from here 00:49:12 Thank you for listening! 00:49:39 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

A Harvard study of 50,000 people across 25 countries has revealed something surprising about working mothers, and the data is hard to ignore. Soph and Vic unpack the findings, why they're still so relevant in 2025, and what it means for the way we think about work, family, and money. They also get into the lab-grown vs natural diamond debate (it's more divisive than you'd think), and break down the biggest IPO pipeline in history: SpaceX, Anthropic, and OpenAI are all going public within months of each other, adding a combined $3.6 trillion to the US stock market, and Vic gives her honest take on whether retail investors should pay attention or sit this one out. 💍 Getting married, been married, or just been to a lot of weddings? We want to hear from you, fill in our anonymous wedding cost survey here (https://form.typeform.com/to/TUGcMgSC). Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) The views expressed by Pathfinder via the Ethical Hotline are of a general nature and are not specific to Pathfinder's product, to learn more about Pathfinder and what they do, please visit their website at www.pathfinder.kiwi WTF does that mean? A guide to all the jargony bits: Valuation – What people agree a company is worth. Not always rational. NASDAQ – A US stock exchange. Where the big tech companies live. ASX – The Australian stock exchange. Retail Investor – Everyday people investing their own money. Hi, that's you. Capital – Money used to grow a business. When companies "raise capital," they need cash. Motherhood Penalty – The hit women take to their career and earnings after having kids. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:01:29 Pathfinder x The Curve 00:01:55 The lab-grown vs natural diamond debate 00:08:46 What a Harvard study revealed about working mothers 00:18:21 Why Chemist Warehouse wants to buy Boots 00:32:31 Pathfinder x The Curve 00:33:14 OpenAI's IPO - hype or opportunity? 00:49:42 Your ethical hotline question answered 00:56:48 On Raising The Curve this week… 00:59:14 Thank you for listening! 00:59:52 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

CONTENT WARNING This episode touches on fertility struggles and the emotional weight of balancing family planning with career ambitions. If this is a sensitive topic for you, please take care of yourself, it's okay to come back to this one when you're ready. What if the tension between your career and your personal life isn't a you problem, it's a system problem? In this episode, Soph sits down with Dr. Ellen Joan Ford: leadership expert, solo mum, army veteran, and author of Work School Hours. They get into the big, messy, deeply personal question of how we're supposed to build careers we care about while also having a life, and why the way we currently work is making it nearly impossible. From the motherhood penalty and egg freezing to output vs. hours and why your boss's 8:30am meeting might be ruining someone's morning, this one is full of honest conversation, real research, and genuinely actionable ideas. Whether you're a parent, thinking about becoming one, or just someone who's ever felt like work and life are constantly at war with each other, this episode is for you. Ellen's free resources + book: ellenjoanford.com Use code TODAY00 at checkout to get the e-book for free! Credits: Host: Sophie Hallwright Guest: Ellen Joan Ford Editor: Lana Byrne Producer: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Content Note 00:00:14 Leaving Yourself at the Door: Why "Being Professional" Got It Wrong 00:04:03 The Career vs. Family Dilemma Nobody Prepares You For 00:07:54 This Isn't a Personal Problem — It's a Collective One 00:11:12 Still Ambitious After Kids: Ellen's Story 00:13:11 The Three Uncomfortable Boxes Parents Get Pushed Into 00:16:42 What Egg Freezing Really Says About Your Company 00:21:02 The Motherhood Penalty, Explained 00:24:35 From the Army to Afghanistan to Changing How We Work 00:26:37 Why Investing in Your People Is Never a Waste of Time 00:33:12 Hours Don't Equal Output (And We Need to Stop Pretending They Do) 00:39:39 A Fairer Way to Think About Efficiency at Work 00:41:42 What #WorkSchoolHours Actually Means 00:47:55 Small Changes That Make a Big Difference 00:54:13 The One Thing That Will Make You Better at Work and Life 00:55:17 Where to Find Ellen 00:56:53 Thank you for listening to Raising The Curve! Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Everyone's talking about Anthropic (the AI company behind Claude), and it’s plans to go public at a valuation of nearly a trillion dollars. But is this the dawn of a new era, or are we living through dot-com déjà vu? We break down what Anthropic's IPO actually means for everyday investors, why a company that's only just turning profitable could be worth that much, and whether we should all be very, very nervous. We also dig into Warren Buffett's successor making his first big moves at Berkshire Hathaway, including a $10 billion bet on Alphabet (Google) and what that signals about AI's staying power. Plus, Jay Shetty has just signed a $100 million deal with both Spotify and Netflix simultaneously, and Sophie reports back from South by Southwest London on what it means for the future of podcasting. Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) WTF does that mean? A guide to all the jargony bits: Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:01:29 Pathfinder x The Curve 00:02:00 Did you see us on TV?! 00:03:56 The Trillion Dollar Anthropic IPO 00:26:26 Pathfinder x The Curve 00:27:19 Berkshire Hathaway’s making it rain! 00:36:47 Netflix & Spotify purchase a new podcast 00:43:56 This week on Raising The Curve... 00:45:37 Thank you for listening! 00:46:15 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Hannah Koumakis (aka the internet’s favourite budgeting girl) is joining us for the next three episodes of IOU (Some Money Education), taking over from Lucy Blakiston, and she’s about to change the way you think about money. We start with Hannah’s story, from learning how to manage money at just seven years old to nannying for billionaire families in London - an experience that completely shifted her perspective on wealth, spending, and what actually matters. Then we get into the good stuff: her step-by-step method for splitting your money across multiple bank accounts so budgeting finally feels clear, organised, and actually doable. You’ll learn how to set up your own categories, understand where your money is really going, and give every dollar a job, without feeling restricted. If you’ve ever avoided your banking app or felt like budgeting just isn’t your thing, this episode might be the one that finally makes it click. Hannah’s Links Instagram (https://www.instagram.com/hannahkoumakis/) TikTok (https://www.tiktok.com/@hannahkoumakis) deartheseries.com dearcommunity.co.nz Seven Content & Dear Brides (http://sevencontentstudio.com) Check out IOU (The Practical Lessons) here: https://thecurveplatform.com/ We’re proud to be partnering with BNZ. There’s an art to starting something new, and like any art form, you need the right tools to make it work. Whether you’re flatting, saving to travel, or making a career move, BNZ has the tools to help you master your money from the get-go. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer: Emily Rigby Editor: Isabella Reeve Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Welcome to IOU (Some Money Education)! 00:00:28 Coming up in this episode… 00:01:13 BNZ x The Curve 00:01:39 Welcoming Hannah 00:06:20 Hannah’s Money Story 00:14:10 When Hannah’s relationship with money changed 00:19:03 How to Unpack Your Relationship with Money 00:20:19 In the Red or the Green? 00:22:02 Why Budgeting Actually Matters 00:23:09 Hannah’s 16 Accounts Explained 00:26:00 How to Put This into Practice 00:30:08 What to Do with Extra Money 00:31:44 What to Do When You’ve Hit Your Limit 00:32:54 Managing Money Without a Card for Every Account 00:33:52 Cash and Burn 00:36:57 Extra Credit 00:39:45 Wrapping Up 00:40:26 Thank you for joining us for IOU (Some Money Education) 00:40:59 Thank you BNZ! 00:41:23 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Spotify's stock jumped 18% in one day and we're breaking down exactly why, plus what it means for artists, your playlist, and the music industry at large. We also get into why birth rates are falling globally and the one reason researchers are pointing to that nobody was expecting, Victoria's Secret's unlikely comeback (up 200% in a year and yes, there's a female CEO involved), and quick updates on the SpaceX IPO that could be the biggest in history, the Lululemon founder drama, and what's going on at BP. Oh, and we answer a listener question on capital gains tax that's probably simpler than you think! Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM WTF does that mean? A guide to all the jargony bits: IPO — when a private company sells shares to the public for the first time ETF — a basket of shares you buy as one thing instead of picking individual companies Index — a list of top companies grouped together, like the NASDAQ 100 Ticker symbol — a short code that identifies a company on the stock market Activist investor — someone who buys shares specifically to push for changes in a company Capital gains tax — tax on the profit you make when you sell an investment The glass cliff — when women or minorities are given leadership roles mainly during a crisis, when failure is most likely Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters 00:00:00 Coming up in this episode… 00:01:12 Pathfinder x The Curve 00:01:38 Quick catch up 00:05:42 A quick update on Space X IPO, Lululemon and BP 00:19:58 Spotify jumps 18% in one day 00:24:18 Pathfinder x The Curve 00:25:07 The new culprit of declining birthrates 00:36:10 VSXY 00:42:34 Community Question 00:45:08 Wrap Up Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Most money advice tells you to spend less and save more. But what if the real answer is just spending better? This week Sophie sits down with Fran (aka Martha Stewish), chartered accountant and personal finance creator you're going to want to follow, to talk through one of the most practical frameworks we've covered on the show. We dig into how to figure out your authentic spending code: the personal values that should be driving every financial decision you make, and why ignoring them is probably why you feel stuck. We also get into why deprivation always backfires, how she saves 35% of her salary without feeling restricted, and the simple habit shifts that actually move the needle, whatever you're earning. This one will make you look at your bank statement completely differently. Fran’s links: Tiktok (https://www.tiktok.com/@martha30s) Instagram (https://www.instagram.com/martha.stewish/) Substack (https://marthastewish.substack.com/) YouTube (https://www.youtube.com/@martha.stewish) Credits: Host: Sophie Hallwright Guest: Martha Stewish Producer: Emily Rigby Editor: Isabella Reeve Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Intro & Who is Fran (aka Martha)? 00:00:52 The Gap in Personal Finance Content 00:03:47 How Fran Thinks About Building Wealth 00:05:12 Growing Up With Frugal Fraser 00:06:24 What Is Your Authentic Spending Code? 00:08:49 Fran's Four Spending Pillars 00:12:44 Emotional Spending & Money Guilt 00:17:58 How Fran Balances Saving & Living 00:20:27 Blocking Out the Noise & The Rich Girl Wish List 00:27:34 Where Do You Start? 00:32:02 Quick Fire Questions 00:38:00 Thank You For Listening 00:38:24 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

This week Vic's flying solo (miss you Soph!!), and she's brought the big stories. SpaceX has officially filed to go public, and it could be the largest IPO in history at a $2 trillion valuation. But is the hype justified? Vic breaks down what SpaceX actually is, what you'd be buying, and how everyday investors can get involved. Plus, Elon Musk's lawsuit against OpenAI gets thrown out of court in under two hours, and the reason why is more embarrassing than the loss itself. Shakira just won a €55 million tax battle with the Spanish government, and there are some surprisingly practical takeaways for anyone who spends time across different countries. And finally, the latest US jobs data tells a more complicated story than the headlines suggest, and what it really means for your career in the age of AI.  Back to regular programming next week! We're hiring a junior podcast editor based in London, if that's you (or someone you know), check out the full job description here. (https://www.linkedin.com/posts/thecur...) Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: (https://form.typeform.com/to/BZHujjGM) WTF does that mean? A guide to all the jargony bits: NASDAQ – A US stock exchange. Basically where all the big tech companies live. Retail Investors – Everyday investors. You and me. Valuation – What people think a company is worth. Revenue – Money coming in. Not the same as profit. Statute of Limitations – Waited too long to sue? Case dismissed. Tax Resident – The country that gets to tax you. Dividends – Getting paid just for owning shares. The 4% Rule – Withdraw 4% a year in retirement and your money should last 30 years. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode... 00:01:05 Pathfinder x The Curve 00:01:35 The Space X IPO 00:12:06 Musk's lawsuit against OpenAI: case closed 00:15:29 Pathfinder x The Curve 00:16:28 How Shakira beat a €55 million tax bill 00:20:19 Is AI actually killing jobs? The truth is complicated 00:25:39 Community question: Can you really retire on dividends alone? 00:28:27 Thank you for listening! 00:29:06 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

This episode is, quite frankly, unhinged. Sophie sits down with Holly to hear one of the wildest relationship-and-money stories we’ve ever had on the podcast, involving property, trust, legal drama, a cancelled wedding, and the kind of plot twists that make you want to scream into a cushion. Without giving too much away, it’s a story about what can happen when love, money and home ownership get tangled together… and why protecting yourself financially isn’t unromantic, it’s essential. Juicy? Extremely. Educational? Absolutely. Please keep snacks nearby. We’re proud to be partnering with BNZ, who know that home ownership isn’t a straight line. Sometimes life throws curveballs, and BNZ is all about supporting you through the hard stuff, not just the highlights. Whether you’re planning ahead or needing a bit more support right now, BNZ’s home loan experts have the tools and people ready to help you find a way. 👉 To learn more, head here. BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply. Credits: Host: Sophie Hallwright Guest: Holly Egerton Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Lime is everywhere. A billion rides across 29 countries and 230 cities, and yet they're about to go public not because they're crushing it, but because they need the money. We break down what's really going on under the hood, what it means for investors, and whether this is a business worth backing. We also cover: - GameStop vs eBay: the board said no, but the CEO is going directly to shareholders. Is this actually going to happen? - Oil & Inflation: the numbers are starting to come through and they're not pretty. What the latest figures mean for your cost of living. - Prediction Markets: the fastest growing space in finance right now. From hair dryers near airport sensors to a US soldier using classified intel to win $400k, the stories are wild. Plus, is this gambling or investing? - Australia's Capital Gains Tax Change: a major shift that every investor needs to understand, whether you're based in Australia or not. We break it down simply and compare it to the UK and New Zealand. - Community Question: hedged vs unhedged ETFs. What does it actually mean and should you even care? 👗 The wardrobe app we mentioned: Whering (https://whering.co) 🗳️ Should we do a full episode on hedged vs unhedged ETFs?Let us know here (https://form.typeform.com/to/jrwHNDPu) Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline:https://form.typeform.com/to/BZHujjGM WTF does that mean? A guide to all the jargony bits: Capital Gains Tax — Tax on profit you make from an investment. Free Cash Flow — Money a business has left after paying its bills. Hedged ETF — Protected from currency swings. Unhedged? You take what comes. Prediction Markets — Betting on whether something will happen. Like gambling but make it finance. Meme Stock — A stock driven by viral hype, not actual performance. Shareholder Meeting — When investors get together to make big company decisions. Stake — How much of a company you own. Commodity — Raw materials like oil or gold that are traded on markets. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode... 00:01:05 Pathfinder x The Curve 00:01:31 Soph's confession and Vic's new app 00:05:24 GameStop vs eBay: the takeover that won't die 00:09:05 Oil crisis: the numbers are in and they're not pretty 00:11:29 Prediction markets: genius, wild, and barely legal 00:16:48 Lime IPO: the business that looks like it's killing it 00:27:10 Pathfinder x The Curve 00:27:54 Australia's budget: the tax change every investor needs to know 00:39:57 Hedged vs unhedged ETFs: what does it actually mean? 00:46:42 Episode preview: The Property Breakup From Hell 00:48:53 Thank you for listening! 00:49:31 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

We recorded an episode this week, edited it, and were ready to publish, then realised we hadn't done the topic justice. This is a short explanation of why we paused, and an open invitation to share your experience so we can cover this topic properly. If you'd like to share your experience or perspective, please feel free to leave a comment wherever youre listening or watching, you can email us at hello@thecurveplatform.com (mailto:hello@thecurveplatform.com), leave a voice note on the Curve Hotline (https://thecurveplatform.com/pages/the-curve-hotline?srsltid=AfmBOopCf5wEepE-DTLGLkXkjbftJnk4kAfWjqM8BwMJV2KGhPeDEEoq), or DM us on any of our socials. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Over 300,000 jobs have gone in the US alone in the first four months of 2026, up 30% on last year. The people losing them are disproportionately women in white collar roles. The people profiting? Anyone with money in the stock market. This week we get into the real AI story: not just who's at risk, but how AI is quietly making the wealth divide wider. Plus: fuel reserves in Australia and New Zealand are down to about 38 days - what actually happens if we run out? A meme stock just made a $60 billion hostile bid to buy eBay at four times its own size. And Uber quietly reported results that show it's becoming so much more than a taxi app… We mentioned this episode from Shameless Media on AI and why you can't afford to ignore it, click to listen. (https://open.spotify.com/episode/0uxRRZHvLgX2pRRx9wgnUR?si=bcd4a9cfc6a443da) We're hiring a junior podcast editor based in London, if that's you (or someone you know), check out the full job description here. (https://www.linkedin.com/posts/thecurveplatform_job-description-activity-7458168667277733888-GW2Z?utm_source=share&utm_medium=member_desktop&rcm=ACoAADhXtnMBLOOxJqfuLwCDBajV9VKw09qFvkc) Want to know exactly how much you should have in your emergency fund and where to put it? We did a whole episode on it, listen here. (https://youtu.be/aVKxGY3DeUw?si=sijFE23CtGuJYTNE) Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM WTF does that mean? A guide to all the jargony bits: Hostile Takeover - When one company tries to buy another without asking nicely first. Very awkward. Very public. Meme Stock - A share that goes viral on the internet, not because the company is doing well, but because people collectively decide to make it go up. Short Selling - Betting a share price will go down and making money when it does. The hedge funds doing this to GameStop got burned badly. Market Cap - The total value of a company. GameStop's is $12 billion. eBay's is $45 billion. One of these is trying to buy the other. Reporting Season - When companies publicly share how much money they made or lost. Like a school report card, but the whole world is watching. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in the episode... 00:00:00 Pathfinder x The Curve 00:01:23 We're running out of fuel. Seriously. 00:12:38 The meme stock trying to buy eBay 00:27:19 Pathfinder x The Curve 00:28:01 The richer you are, the more you love AI 00:41:18 Uber is becoming the app for everything 00:50:01 "Should I move my emergency fund?" 00:54:09 Thanks for being here! 00:54:47 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

This week, Soph sits down with Lily from Pathfinder (https://pathfinder.kiwi/) to untangle the delightfully messy world of ethical investing aka, what happens when your money wants to grow, but your conscience would also like a word. Lily shares her own money story, from growing up in a household where “ordinary” was basically a swear word, to becoming the main earner in her family, to realising that financial independence is about so much more than just having cash in the bank. Together, they unpack why women are so drawn to values-led investing, why “good” and “profitable” don’t have to be mortal enemies, and how to think critically about tricky investing dilemmas like Tesla, tech companies, weapons, climate, conflict and greenwashing. It’s thoughtful, nuanced, occasionally existential, and proof that money and morals can sit at the same table, even if they argue over the bill. 👉 Got a money-and-morals dilemma? Submit your ethical investing question to our Ethical Hotline for Lily to unpack (https://form.typeform.com/to/BZHujjGM). Credits: Host: Sophie Hallwright Guest: Lily Richards Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Introduction to the episode 00:01:51 Meet Lily from Pathfinder 00:05:37 Lily’s personal money story 00:12:31 Lily’s career journey 00:16:31 The moment things clicked 00:20:54 What financial independence really means 00:23:14 Lily’s unique family setup 00:27:37 How ethics shaped Lily’s life 00:30:26 Why ethical investing feels so complicated 00:36:19 When an investment no longer feels right 00:39:30 Primary vs secondary markets, explained 00:42:42 How to decide if an investment aligns with your values 00:47:48 Simple ways to reflect on your values 00:52:33 Submit your money and morals questions 00:57:07 Thank you for listening! 00:57:32 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

This week, we’re doing what any normal finance podcast would do after seeing Olivia Dean live: immediately investigating her business model. From billion-stream hits to sold-out O2 shows, merch, brand deals and the very juicy question of who actually makes the money behind your favourite artist, we unpack how pop stardom turns into serious cash. We also look at the London Marathon’s massive boost to the UK economy, why the UK’s financial glow-up is looking… less glow-y, what reporting season is telling us about AI, Amazon, Google and Microsoft, and the Lululemon boardroom drama that proves even leggings can come with corporate chaos. Plus, we answer a community question on what to do when you want to start investing but your bank account is giving “absolutely not x”. 👉 Want us to do a deeper dive on the economics of having fewer babies? Vote in the poll. (https://form.typeform.com/to/MaWNoNfz) WTF does that mean? A guide to all the jargony bits: Royalties – Money paid when music gets used. Tiny stream, tiny coin. Streaming revenue – Money made from Spotify, Apple Music etc. Billions of plays = actual cash. Record label – The company behind an artist’s music, marketing and distribution. Also: slice-taker. Endorsements – When brands pay famous people to make us want stuff. Shareholder – Someone who owns a bit of a company. Stock / Share – A tiny piece of company ownership. Fiscal drag – A sneaky tax rise via frozen tax brackets. Tax bracket – The income bucket that decides your tax rate. National Insurance – A UK tax for things like pensions and public services. Reporting season – Company report card time. B2B – Businesses selling to other businesses. Market cap – What the stock market thinks a company is worth. S&P 500 – 500 big US companies. FTSE 100 – 100 big UK companies. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode… 00:01:38 The business of Olivia Dean 00:13:23 Is the UK in a death spiral? 00:29:17 Big Tech’s report card 00:37:13 Lululemon’s identity crisis 00:44:36 The economics of having fewer babies 00:47:26 How to start investing when money feels tight 00:52:55 Thank you for listening! 00:53:33 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

In this episode of IOU (Some Money Education), we’re talking all about emergency funds - what they are, why they matter, and how much you might want to have set aside. Lucy, Soph and Vic unpack the role an emergency fund can play when life throws something unexpected your way, whether that’s a sudden medical bill, needing to leave a living situation quickly, or covering an essential expense without relying on debt. They also chat through where to keep your emergency fund, how to start building one, and why having that financial buffer can make you feel more in control. Along the way, there are also some memorable listener stories that show just how unpredictable “emergencies” can be. Check out IOU (The Practical Lessons) here: https://thecurveplatform.com/ We’re proud to be partnering with BNZ. There’s an art to starting something new, and like any art form, you need the right tools to make it work. Whether you’re flatting, saving to travel, or making a career move, BNZ has the tools to help you master your money from the get-go. Credits: Hosts: Victoria Harris & Sophie Hallwright Guest: Lucy Blakiston Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Welcome to IOU (Some Money Education)! 00:00:40 Coming up in this episode… 00:01:42 BNZ x The Curve 00:02:09 In the Red or Green? 00:09:59 What is an emergency fund & how much do you need? 00:13:36 Where you should keep your emergency fund? 00:14:36 IOU an Answer 00:23:09 Cash & Burn 00:33:37 Extra Credit 00:37:59 Thank you for joining us for IOU (Some Money Education) 00:38:22 Thank you BNZ! 00:38:52 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Claude Design just disrupted an entire industry, and markets reacted instantly. We break down what this AI launch actually means, why companies like Adobe and Figma took a hit, and where the opportunity could be for investors as money starts shifting fast. But first… The Curve has had a full rebrand (yes, we’re obsessed, yes we read every comment). Then we get into the oil situation that’s quietly escalating, prices doubling, supply uncertainty, and why this could tip the global economy toward a recession (and what that means for your portfolio). Next: Apple. Tim Cook is stepping down after 15 years, so what happens to one of the world’s most valuable companies now? Is this a risk moment for investors, or the start of a new growth phase? We also unpack why Primark is being spun off into its own company (and how that can unlock value for investors), before ending on Vic’s chaotic comedy night story… which proves not all risks are financial (but equally painful). WTF does that mean? A guide to all the jargony bits: Whipsaw Market – Prices going up and down fast. Chaotic energy. Global Recession – When the whole world’s economy slows down. Not ideal. Commodity – Raw stuff like oil or gold that gets traded globally. Supply Chain – How things get made and delivered. When it breaks = delays + higher prices. Share Price – The cost of owning a piece of a company. Market Cap – Total value of a company. Big number = big company. IPO – When a company hits the stock market for the first time. Valuation – What a company is believed to be worth. Spin-Off – When a company splits into two separate businesses. Subsidy – Government help to lower costs (you pay for it later in taxes). Recurring Revenue – Money a company earns on repeat (subscriptions etc). Investors = obsessed. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Frances Cook knows a ridiculous amount about money, but in this episode, she proves that knowing the rules and living them perfectly are two very different things. We get into the real stuff: the money habits shaped by childhood, the scarcity mindset that lingers long after your bank balance changes, why financial independence matters so much in relationships, and how she actually manages her money behind the scenes. There’s talk of KiwiSaver revelations, index funds, business risks, “enough” numbers, and the fact that sometimes even the finance gurus are just out here winging it with a direct debit and a dream. If you’ve ever felt like you should be better with money by now, this is the reset: it’s not about perfection, it’s about direction. Frances’ Links Instagram (https://www.instagram.com/francescooknz/) Website (https://www.francescook.co.nz/) YouTube (https://www.youtube.com/@MakingCentsPod/videos) Spotify (https://open.spotify.com/show/2xL5BpCt2pKJDlPN0SgbCc) TikTok (https://www.tiktok.com/@francescooknz) Substack (https://substack.com/@francescooknz) Credits: Host: Sophie Hallwright Guest: Frances Cook Editor: Lana Byrne Producer: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode… 00:00:56 Welcoming Frances 00:03:21 Frances’ money story 00:11:11 The moment pay rises stopped feeling enough 00:13:28 The KiwiSaver switch that changed everything 00:17:13 Why money mindset matters more than people think 00:20:00 How Frances thinks about splitting her money 00:24:32 How she manages money with her husband 00:32:16 Frances’ investing strategy explained 00:39:29 Why she avoids crypto 00:43:19 What “enough” looks like for Frances 00:50:51 The reality of building a business with her husband 00:54:28 Frances’ quick-fire money advice 00:55:13 Where to follow Frances 00:55:27 Thank you for listening 00:55:52 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

This week, we kick things off with a 9am tequila shot for Lucy’s probation pass (completely normal workplace behaviour, obviously), before diving headfirst into the business of Coachella, where Justin Bieber’s payday, festival profits, and the money machine behind live music all get unpacked. We also get into the truly bizarre Allbirds plot twist as the struggling sneaker brand pivots into AI, plus what the rise in women-owned businesses says about work, wealth, and why more women are deciding to back themselves instead. WTF does that mean? A guide to all the jargony bits: Monopoly – One company dominates the market. Convertible Loan – A loan that can turn into shares. Share Price – Cost of one share. Market Cap – Total value of a company. Sell-Off – Lots of people selling shares fast. Scalping – Buying tickets to resell for more. Monetisation – How a business makes money. Equity – Ownership in a company. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode… 00:00:56 A 9am tequila shot 00:07:29 Bieberchella and the business of Coachella 00:25:04 Allbirds’ wild pivot to AI 00:34:54 Why more women are backing themselves 00:43:20 A listener call-out (and our response) 00:52:09 Thank you for listening! 00:52:47 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Soph is back with property guru, Peter West to break down the story behind her second investment property, and how she managed to buy it without putting down a brand-new deposit. In this episode, they walk through what actually happened after the first renovation: how the house was revalued, how equity can be released through refinancing, and how that money can be used to help fund the next property. They also unpack key concepts like gross yield, cash flow, and why buying well in the first place makes such a big difference to the outcome of a project. Along the way, Soph shares what surprised her most about going again so quickly, why the second renovation was a little more complicated than the first, and how the numbers ended up stacking up in the end. Peter also explains how they evaluate locations, what they look for in a property with renovation potential, and why buying in the right market at the right time can create opportunities to repeat the process again. If you’ve ever wondered how investors climb the property ladder, how equity actually works in practice, or what it takes to turn one property into two, this episode breaks down the process step by step. Interested in working with Peter? If you’d like to explore investing in property with Pete’s help, email us at hello@thecurveplatform.com and our team will point you in the right direction. Watch the first episode with Peter West (https://www.youtube.com/watch?v=ZzO2l0TCHj0&utm_source=chatgpt.com) Watch part two of the conversation (https://www.youtube.com/watch?v=wFSjDzI1Tmw&utm_source=chatgpt.com) We’ve partnered with BNZ because buying a home isn’t the same for everyone. Their Home Loan Partners can help you understand your options, including the TotalMoney home loan – which lets you use money in connected BNZ TotalMoney transactional accounts (parents can even link their own TotalMoney accounts to their children’s loan) to offset your mortgage and help you get mortgage free faster, while still keeping your money accessible. Whether you’ve got extra help or you’re going it alone, BNZ’s team is there to guide you from search to settlement.   👉 To learn more, head here. (https://www.bnz.co.nz/personal-banking/home-loans/mobile-mortgage-managers?utm_source=podcast&utm_medium=spotify&utm_campaign=thecurve&utm_content=ep12) Account opening and lending criteria (including minimum equity requirements), terms and fees apply. A low equity premium and an establishment fee of up to $150 may apply. BNZ standard and TotalMoney T&Cs apply to TotalMoney transaction accounts. Details of our fees can be found in our Personal account, service, and facility fees brochure. You can connect up to 50 TotalMoney transaction accounts to one group. Credits: Host: Sophie Hallwright Guest: Peter West Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode… 00:02:59 BNZ x The Curve 00:03:55 Recap: The First Property 00:15:10 How Refinancing Works 00:22:10 Buying Again: The Second Property 00:28:26 The Pros and Cons of Property Two 00:38:20 The Numbers Explained 00:41:28 Could There Be a Third Property? 00:45:14 Real Stories from Pete’s Clients 00:48:46 Your Questions Answered 00:52:31 Final Thoughts 00:53:53 Thank you for listening to The Property Podcast! 00:55:31 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

We start this episode with a public apology… and that’s all we’re saying on that for now. Once we’ve addressed the situation, Vic and Soph get into what’s actually moving markets this week: oil prices swinging wildly as ceasefire hopes creep in, why airline stocks are suddenly perking up, and the slightly chaotic world of prediction markets (aka: investing or betting… still unclear). They also break down why Universal Music is catching takeover attention (turns out owning Taylor Swift’s back catalogue is a pretty nice business), how weight loss pills could send the GLP-1 trend into overdrive (and boost a whole bunch of unexpected industries along the way), and why Elon Musk vs OpenAI is shaping up to be the courtroom drama no one asked for but everyone will watch…. strap on in! WTF does that mean? A guide to all the jargony bits: Stagflation – High prices + low growth. Economy = struggling. Prediction Markets – Betting (sorry… “investing”) on future outcomes. Insider Trading – Making money from secret info. Very illegal. Takeover – One company buying another. Big money moves. Shareholder – Someone who owns a piece of a company. Royalty Revenue – Earn money every time something’s used (like a song). Hedge Fund – High-risk investing aiming for big returns. Long / Short – Long = wins if it goes up. Short = wins if it goes down. GLP-1 Drugs – Weight loss drugs turned investing trend. Forward-Looking Markets – Markets move on future expectations, not now. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode... 00:01:12 We Need to Apologise… 00:04:14 Watch us on YouTube! 00:06:01 War, Oil & What It Means for Markets 00:20:22 Why Universal Music Is in Play 00:33:05 The GLP-1 Boom Just Got Bigger 00:40:13 Musk vs OpenAI Begins 00:43:51 We’ve Decided the New Schedule! 00:45:05 Thanks for Listening! 00:45:43 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

If you’ve ever thought “I should probably understand crypto… but I have no idea where to start”, this episode is for you.  Sophie sits down with Danielle Lukins, founder of Crush Circle (https://crushcircle.com/applynow?utm_source=Substack) and a trusted crypto educator and expert to break everything down in a way that actually makes sense, even if you’re a total beginner. They cover what crypto is (in plain English), the difference between Bitcoin and other coins like Ethereum, Solana and XRP, and why people are starting to see this as a serious investment. Danielle explains how crypto works, what blockchain actually means, and the real-life ways it could change things like banking, payments, and moving money globally (this part = slightly mind-blowing). They also get into how crypto goes up and down, why it moves in cycles, and why some people think now could be an interesting time to start learning (and potentially investing) while prices are lower. Plus: where to start, how to keep it simple, common beginner mistakes, and how to build confidence without going all in. Danielle’s Links Instagram (https://www.instagram.com/cryptocrushshow/) CrushCircle.com (https://crushcircle.com/applynow?utm_source=Substack) LinkedIn (https://www.linkedin.com/in/danielle-lukins-944137234/) YouTube (https://www.youtube.com/@CRYPTOCRUSHSHOW) Credits: Host: Sophie Hallwright Guest: Danielle Lukins Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Episode Introduction 00:02:49 Meet Danielle Lukins & Crush Circle 00:07:06 Crypto vs Bitcoin Explained 00:07:53 Danielle’s First Bitcoin Investment at 17 00:14:05 Why Crypto Is Male-Dominated 00:16:44 What Crypto Actually Is (and How It Works) 00:19:35 Understanding Different Cryptocurrencies 00:21:52 Borrowing Money Using Crypto 00:26:24 The Future of Crypto 00:30:39 How to Start Investing in Crypto 00:33:47 The Role of Bitcoin 00:35:26 Why Bitcoin Is So Volatile 00:39:32 Danielle’s Outlook on Bitcoin 00:48:18 How Danielle Buys and Sells Crypto 00:50:14 Where to Buy Crypto 00:51:51 Common Beginner Mistakes 00:53:24 Why Danielle Focuses on Education 00:54:33 How to Stay Up to Date 00:56:31 Thank You For Listening! 00:56:56 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Markets are back, headlines are chaotic, and somehow Donald Trump is still moving investor sentiment with a sentence and a spray tan. Vic and Sophie unpack what’s going on, one year after the tariffs shook everyone up, and why short-term market drama can make investing feel a bit too much like gambling. They also dig into the spectacular collapse of Allbirds, from sustainability darling to a 99% wipeout, and the very real lesson in “diworsification” when a brand strays too far from what made it work in the first place. Plus, the upcoming SpaceX IPO that could become one of the biggest companies in the world overnight, why fitness tracker brand Whoop is booming, what the wearable tech space says about where health investing is headed, and why the most boring investing strategy is still annoyingly one of the best. 🗳️ CAST YOUR VOTE (https://form.typeform.com/to/FRD3BIcS) on our new episode schedule and help us decide what works best for you: https://form.typeform.com/to/FRD3BIcS WTF does that mean? A guide to all the jargony bits: Tariffs – Tax on imports to make foreign goods pricier. Dead Cat Bounce – A fake recovery before markets drop again. GDP – Total value of a country’s economy. IPO Hype – The buzz (and chaos) when a company first goes public. Market Cap – What a company’s worth on the stock market. Diworsification – Expanding… but making things worse. Commodities – Raw stuff like gold, oil, wheat. Volatility – How wildly prices swing up and down. Forward-Looking Markets – Markets reacting to the future, not now. Wearables – Tech you wear that tracks your body. Diversification – Spreading your money to reduce risk. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode... 00:01:34 We accidentally sound drunk… 00:03:43 Markets are back (but why?) 00:08:26 BP’s new CEO moment 00:13:09 1 year since the tariffs! 00:26:25 Allbirds: rise and fall 00:38:12 Whoop and the IPO buzz 00:44:08 The SpaceX IPO is coming... 00:48:34 Your investing question answered 00:54:16 We need your help! 00:56:52 Thanks for listening 00:57:30 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

What does “enough” actually look like when it comes to money and why is it so weirdly hard to answer? In this episode, Sophie sits down with Friends That Invest (https://friendsthatinvest.com/) founder Simran Kaur to talk about growing up with a scarcity mindset, how our childhood shapes the way we spend and save, and why having more money doesn’t magically fix your relationship with it. Simran also breaks down how she built a seven-figure portfolio before 30, what’s actually in it, and the simple formula she uses to figure out her “enough number. Expect an honest conversation about money shame, investing, identity, the financial habits we inherit from our parents, and practical advice that might finally help you put a number on what “enough” looks like. Sim’s links: friendsthatinvest.com Instagram (https://www.instagram.com/friendsthatinvest/) YouTube (https://www.youtube.com/@ms.simrankaur) Apple Podcasts (https://podcasts.apple.com/gb/podcast/friends-that-invest/id1529887342) Spotify (https://open.spotify.com/show/4jWkbLYqVv93FjLkAcvZ1y?si=e044232efa4c424b) Credits: Host: Sophie Hallwright Guest: Simran Kaur Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Episode preview 00:01:05 Meet Simran Kaur 00:02:46 From optometry to building a business 00:06:22 How Sim got into investing 00:09:45 The start of Friends That Invest 00:12:29 Understanding your relationship with money 00:14:56 Sim’s earliest money memory 00:17:43 Moving from India to New Zealand 00:21:26 How Sim’s money mindset changed 00:25:02 What being “rich” really means to Sim 00:28:12 Sim’s first investment 00:29:33 Inside Sim’s investment portfolio 00:33:49 Private investing, angel deals and property 00:34:50 What does “enough” actually look like? 00:38:46 How to figure out your own “enough” number 00:41:56 Sophie calculates her number 00:44:22 Thank you for listening! 00:00:00 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Vic and Soph are both back in London and straight into the chaos - because the markets are wobbling, oil prices are rising, and everyone’s asking the same question: should you be panicking? They break down what’s actually going on with inflation, why pulling your money out of the market might do more harm than good, and what’s really driving all this uncertainty. They also dive into a major social media lawsuit that could change the industry, unpack the rise (and risks) of private credit, and debate whether prediction markets are investing… or just gambling in a blazer. Plus, why your skincare obsession might secretly be an investing opportunity, and a listener question that shows just how switched on (and seriously impressive) this community is when it comes to building wealth. Check out the B416 campaign here. (https://b416.co.nz/) We’re thinking about rebranding The Curve Weekly, drop your ideas in the comments or DM us, we’d love your input!! 💭 WTF does that mean? A guide to all the jargony bits: Inflation – Prices go up, your money buys less. Interest Rates – What you earn on savings or pay on debt. Market Dip – Prices fall for a bit. Normal, even if it feels scary. Timing the Market – Trying to buy low, sell high perfectly. Good luck. Forward-Looking Market – Prices move on expectations, not current news. Private Credit – Loans from non-banks. Higher risk, higher return. Liquidity – How quickly you can get your money out. Defaulting – When a borrower can’t pay back a loan. Prediction Markets – Betting on outcomes dressed up as investing. Renewable Energy – Power from wind, solar, etc. Big future focus. Dollar Cost Averaging – Investing little and often. Return – What you make (or lose) on an investment. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in the episode... 00:01:12 We're back in London! 00:08:34 Oil, inflation and the market dip 00:22:43 The social media lawsuit everyone’s talking about 00:31:24 Why the beauty industry is booming 00:37:45 Private credit (and why people are worried) 00:47:35 A message on The Curve Hotline! 00:54:30 We need your help 👀 00:55:28 Thank you for listening to The Curve Weekly! 00:56:06 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

What happens when you’ve spent years building wealth and property alongside a partner, and then find yourself needing to untangle those assets and start again? In this episode, Sophie sits down with BNZ’s Sarah to talk about navigating shared finances when life takes an unexpected turn. They discuss the emotional side of separating assets, why making decisions sooner rather than later can help you regain financial control, and how leaning on your network can make the process far less overwhelming. The conversation also dives into practical property insights, from what first-home buyers often overlook (insurance, maintenance, and the real cost of home ownership) to what makes a strong investment property and the common pitfalls to watch for. Plus, Sarah shares how she’s rethinking her own wealth strategy, why she’s started diversifying into shares, and explains the concept of offset mortgages in a refreshingly simple way. And to wrap it all up, we end with a powerful poem that beautifully brings the episode full circle, reminding us that our financial choices are ultimately about how we choose to live our one wild and precious life. We’re proud to be partnering with BNZ, who know that home ownership isn’t a straight line. Sometimes life throws curveballs, and BNZ is all about supporting you through the hard stuff, not just the highlights. Whether you’re planning ahead or needing a bit more support right now, BNZ’s home loan experts have the tools and people ready to help you find a way. 👉 To learn more, head here. (https://www.bnz.co.nz/personal-banking/home-loans/mobile-mortgage-managers?utm_source=podcast&utm_medium=spotify&utm_campaign=thecurve&utm_content=ep11) BNZ home loans are subject to our lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply. This podcast contains general information only – not financial or professional advice. Opinions expressed are those of the speakers and not necessarily BNZ. BNZ is not liable for any losses resulting from the content Credits: Host: Sophie Hallwright Guest: Sarah Falanitule Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in the episode... 00:03:01 BNZ x The Curve 00:04:03 Meet Sarah & what we’re diving into 00:05:20 The career moment that changed everything 00:09:16 Untangling property and assets with a partner 00:23:45 Rebuilding wealth on your own 00:26:21 Investing beyond property 00:42:00 Confidence knocks & rethinking your money strategy (plus Sarah’s mortgage setup) 00:46:31 First home vs investment property: what to know 00:48:06 Property mistakes Sarah wouldn’t make again 00:49:23 Tips for buying property right now 00:51:28 Setting yourself up for the life you actually want 00:54:09 A poem to bring it all together 00:56:45 Thank you for listening to The Property Podcast 00:58:19 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Sophie’s away this week, so Vic is joined by the brilliant India Leishman, and honestly, she’s making a very convincing case for a permanent seat at the mic. Together they tackle the very un-sexy reality of rising oil prices and what that could mean for flights, groceries, inflation, and basically the cost of existing, before getting into Gap’s unexpected comeback story, the Jo Malone name-drama that sounds too wild to be true, and why Unilever seems to be betting big on beauty and wellness over your pantry staples. There’s also a helpful breakdown of stagflation for anyone who’s heard the word and nodded politely, plus some solid career advice for getting into finance. A slightly chaotic, very informative catch-up on what’s moving markets right now, and what it might mean for you. WTF does that mean? A guide to all the jargony bits: Stagflation – Slow economy + rising prices. Not a fun combo. Central Bank – Sets interest rates. Runs the money system. Interest Rates – Cost of borrowing. Higher = more expensive. Inflation – Prices go up, your money goes less far. Reporting Season – When companies reveal their results. Revenue – Money a company makes before costs. Share Price – What one share in a company costs. Stock Market – Where shares are bought and sold. Diversification – Spreading your money across investments. Spin-off – A company splitting off part of its business. Non-compete – Stops you starting a similar business. Renewable Energy – Energy that won’t run out (like wind/solar). Credits: Hosts: Victoria Harris & India Leishman Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Welcome India! 00:03:56 Oil prices surge 00:20:41 Gap rebounds 00:27:14 Jo Malone vs Jo Malone 00:32:44 Unilever is side-eyeing its food business 00:39:36 Community Question 00:00:00 Thank you for listening to The Curve Weekly! 00:00:00 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Budgeting… stay with us 😅 This month on IOU (Some Money Education), Soph and Vic drag Lucy (lovingly) into the world of budgets, aka figuring out where your money goes before it disappears like your Apple charges. You’ll learn the simple “needs, wants, surplus” split, why planning ahead is basically a money superpower, and how having a clear setup can actually reduce money stress (even if you’re allergic to checking your bank account). Plus: we introduce our newest cast member, Reese Witherspoon the piggy bank, play “spending bingo,” and read out the most unhinged “non-negotiable” splurges: think $100 candles, Sims gaming PCs, and “I bought veneers for copywriting” - yes you read that right. If you’ve ever avoided budgeting because it felt restrictive or overwhelming, this is the episode that will change your mind. Check out IOU (The Practical Lessons) here: https://thecurveplatform.com/ We’re proud to be partnering with BNZ. There’s an art to starting something new, and like any art form, you need the right tools to make it work. Whether you’re flatting, saving to travel, or making a career move, BNZ has the tools to help you master your money from the get-go. Credits: Hosts: Victoria Harris & Sophie Hallwright Guest: Lucy Blakiston Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Welcome to IOU (Some Money Education)! 00:00:40 Coming up in this episode… 00:01:26 BNZ x The Curve 00:01:53 In the Red or Green? 00:03:26 Is property still a good investment? 00:09:11 How Lucy budgets 00:18:56 How to craft a budget: needs, wants, surplus 00:23:19 IOU an answer 00:30:57 Cash and Burn 00:36:12 Extra Credit 00:40:58 Thank you for joining us for IOU (Some Money Education) 00:41:20 Thank you BNZ! 00:41:50 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

This week we  get stuck into the rise of prediction markets: the internet’s latest obsession where people are literally putting money on future events and calling it “forecasting.” So… clever investing tool or just gambling in a blazer? 👉 CLICK HERE TO VOTE IN OUR POLL! (https://form.typeform.com/to/fQQYthvs) They also unpack why oil prices are shooting up, what that means for petrol, flights, inflation and basically everything else we spend money on, plus a surprisingly fascinating chat about loneliness as an economic trend and why solo living, solo dining and solo travel are becoming big business. Want to co-host next week’s Curve Weekly with Vic? Apply via the Curve Hotline (https://thecurveplatform.com/pages/the-curve-hotline) and tell us why you’d be a great fit (and where you’re based). Interested in working with Pete? Email us at hello@thecurveplatform.com and we’ll put you in touch! WTF does that mean? A guide to all the jargony bits: Prediction Markets – Platforms where people put money on whether future events will happen. Think betting… but on real-world outcomes. Commodities – Raw materials like oil, gold, or wheat that are traded globally. S&P 500 – An index tracking the 500 biggest companies in the US stock market. Analyst – Someone who studies economic data and companies to predict what might happen next. Insider Trading – Using secret, non-public information to make money in markets. Very illegal. ETF (Exchange Traded Fund) – A bundle of different investments you can buy in one go. Diversification – Spreading your money across different investments to reduce risk. Inflation – When prices go up and your money buys less. Renewable Energy – Energy from sources that don’t run out, like wind or solar. Defense Stocks – Companies that make military equipment or services governments buy. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 What’s coming up this week… 00:01:12 Want to co-host The Curve Weekly? 00:03:38 Prediction markets: investing or gambling? 00:22:32 Why oil prices are suddenly surging 00:34:14 The surprising economics of loneliness 00:40:37 Questions from the Curve Community 00:44:00 Thank you for listening! 00:44:38 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Tanya Taylor’s story is the kind that makes you want to immediately check your savings account and maybe your insurance policy too. She moved from rural Jamaica to the US at 16 with just $100, built an incredible career, grew a seven-figure investment portfolio, and did everything “right” financially, only for one devastating accident to turn her world upside down. In this episode, Tanya shares how budgeting, goal-setting, and long-term investing helped her build wealth from scratch, why emergency funds matter far more than most of us think, and what she learned after being forced to start again. It’s part money masterclass, part resilience lesson, and part gentle-but-firm reminder to stop treating your emergency fund like it’s there for cheeky little treats. And if this conversation gets you thinking about protecting your income too, we mentioned our insurance episode in the chat, you can listen to that here. (https://open.spotify.com/episode/5rBV0ZoDcNFjVaLhoQAjTk?si=fe362e2a5eaf4d55) Tanya’s links: Grow Your Wealth (https://growyourwealth10x.com/) Instagram (https://www.instagram.com/growyourwealth10x/) LinkedIn (https://www.linkedin.com/in/tanya-taylor-cpa-mba-growyourwealth) Credits: Host: Sophie Hallwright Guest: Tanya Taylor Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Introducing Tanya’s Story 00:02:24 Growing Up in Rural Jamaica 00:05:12 A New Perspective on Wealth 00:08:05 Moving to the US with $100 00:11:06 The Money Habits That Changed Everything 00:15:09 Milestones on the Path to Wealth 00:16:26 The Day Everything Changed 00:21:11 Emergency Funds and Preparing for the Unexpected 00:29:40 Teaching the Next Generation About Money 00:36:03 Thanks for Listening 00:36:28 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

This episode is a bit of a hidden gem. It was recorded in New York last January and somehow ended up sitting quietly in the archives… until we recently rediscovered it and realised how good it was. Safe to say, we couldn’t keep it hidden any longer. In this conversation, Sophie sits down with Rachel Beider, founder of Press Modern Massage, (https://www.pressmodernmassage.com/) the business she built and scaled from the ground up, before going on to launch a second venture: The Canopy (https://www.thecanopynyc.com/), an indoor play space for babies and toddlers in New York. We talk about Rachel’s journey into becoming a massage therapist, the early days of building her business, the biggest challenges she faced as it grew, and the lessons she learned scaling in a competitive industry. The conversation also dives into leadership, including her approach to servant-style management, as well as the personal side of entrepreneurship: financial freedom, how she manages her personal finances, and how her priorities evolved as she moved from business owner to mother. Credits: Host: Sophie Hallwright Guest: Rachel Beider Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode… 00:03:09 How Rachel became a massage therapist (and the unexpected path into business) 00:10:44 The key milestones in building her business 00:12:47 The biggest challenges she faced as a founder 00:19:08 What it took to scale to a million-dollar business 00:20:53 The leadership style that shaped her company culture 00:25:57 Advice for starting a business in a competitive industry 00:28:20 The upside of entrepreneurship and financial freedom 00:32:05 How Rachel approaches her personal finances 00:34:48 Navigating the shift from business owner to mother 00:37:16 Thank you for listening! 00:37:41 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

One woman gave away $7 billion in a single year, while most of the richest people in America have donated less than 5% of their wealth. We unpack the billionaire giving gap, why some tech titans are looking a little stingy, and how one woman is quietly raising the bar for what extreme wealth could actually do in the world. Before we got there though, we covered a lot. We dive into Trump’s tariffs being ruled illegal (and the refund chaos that could follow), the cringey US men’s hockey White House moment that sidelined the women’s gold medal team, the Netflix vs Paramount vs Warner Bros takeover drama, and rumours that Stripe might snap up PayPal. We then zoom out to the bigger picture: the cost of being a woman. New data shows women are disproportionately seeking debt advice in the UK, and we talk childcare, pay gaps, and why financial pressure isn’t evenly distributed. And finally, we wrap with a community question on where to invest savings outside KiwiSaver. Billionaires, boardroom battles, misogyny and money, all in one episode. Strap on in… WTF does that mean? A guide to all the jargony bits: Tariffs – A tax on imports. Businesses pay… you usually feel it. Supreme Court – The highest court. Final legal say. Volatility – Markets going up and down. Fast. Takeover / Acquisition – One company buying another. Corporate hunger games. Shareholder – Someone who owns a slice of a company. Divest – Selling off part of a business. Market Share – How much of an industry a company controls. Fintech – Financial tech. Think Stripe, PayPal, investing apps. Philanthropy – Donating money. Usually when you’re very rich. Net Worth – What you own minus what you owe. Managed Fund – Your money invested alongside others, run by professionals. KiwiSaver – NZ retirement fund. Mostly locked till 65. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Quick catch up & almost-accidents 00:05:35 Trump’s tariffs ruled illegal 00:16:00 The US hockey White House fallout 00:21:21 Netflix vs Paramount vs Warner Bros 00:27:10 Stripe circling PayPal 00:32:06 The billionaire giving gap 00:40:56 The cost of being a woman 00:49:16 Community questions 00:51:55 Thank you for listening! 00:52:33 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Content note: this episode discusses fertility challenges. In this episode, Soph sits down with Deirdre (co-founder of Hertility (https://hertilityhealth.com/?utm_source=google&utm_medium=cpc&utm_content=brand&tw_source=google&tw_adid=788546525883&tw_campaign=23369905571&tw_kwdid=kwd-1597074458376&gad_source=1&gad_campaignid=23369905571&gbraid=0AAAAAC5LxzjrikgRGf5W9LD4_oDrGMDof&gclid=Cj0KCQiA49XMBhDRARIsAOOKJHZY2-9bCyWIFg-x8fRpVEgljQIDoygOyDEdZvbgAZ0QhxvTmcWiNA0aAmgFEALw_wcB)) to unpack what “investing in your fertility” actually means, medically and financially, at a time when many women feel pressure to make big life decisions without clear information. They explore the gap between being told to “just freeze your eggs” and actually understanding your hormone profile, why testing one number (AMH) isn’t the full story, and how tracking your fertility over time can give you far more control than panic-driven decisions. The episode dives into the economics of fertility too: the rising cost of IVF, companies offering egg freezing as a workplace perk, and whether paying for treatment instead of prevention is missing the point entirely. Along the way, they tackle biological clocks, career timelines, societal pressure, medical gaslighting, and the emotional weight of not knowing. This is a candid, thought-provoking discussion about autonomy, trade-offs, and why information, medical and financial, is often the most powerful investment you can make. 🌟 Exclusive for The Curve listeners: use code CURVE15 to get 15% off Hertility’s Advanced Tests. (https://hertilityhealth.com/?utm_source=google&utm_medium=cpc&utm_content=brand&tw_source=google&tw_adid=788546525883&tw_campaign=23369905571&tw_kwdid=kwd-1597074458376&gad_source=1&gad_campaignid=23369905571&gbraid=0AAAAAC5LxzjrikgRGf5W9LD4_oDrGMDof&gclid=Cj0KCQiA49XMBhDRARIsAOOKJHZY2-9bCyWIFg-x8fRpVEgljQIDoygOyDEdZvbgAZ0QhxvTmcWiNA0aAmgFEALw_wcB) Credits: Host: Sophie Hallwright Guest: Deirdre O’Neill Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Episode Preview 00:01:03 Quick Disclaimer 00:01:16 What Hertility Does (And Why It’s Needed) 00:11:25 The Founder Story 00:17:19 What Testing Actually Tells You 00:21:00 Get 15% off a Hertility Test! 00:21:36 Investing in Fertility 00:42:01 Thoughts on IVF 00:47:39 How to Decide What’s Right for You 00:54:40 Where to Learn More 00:55:52 Thank you for Listening! 00:56:17 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

In this week’s Curve Weekly, Vic and Soph unpack the AI chip crisis and why soaring demand could mean pricier tech (no, not the potato kind), plus the recent market wobble and why it’s not a cue to panic. They dive into the ongoing Netflix vs Warner Bros vs Paramount drama, reveal the scary stat about people not knowing where their retirement fund is (and how that could cost up to $1 million long term), and explain why groceries in the Southern Hemisphere feel criminally expensive. Add in a quick emergency-fund reality check and the rise of burnout feminism: goodbye girlbossing, hello boundaries! 👉 Answer our 10-second retirement poll (https://forms.gle/4ZTRbchUYYgqVmt16) WTF does that mean? A guide to all the jargony bits: Bond – An IOU. You lend money, they pay you interest. 100-Year Bond – You get paid back in a literal century. Wild. AI Inference – The “thinking” part when AI answers you. Data Centre – Massive computer warehouses powering the internet. Market Wobble – A small dip. Not a meltdown. Sell-Off – Lots of people selling at once. AI Cannibalisation – AI replacing parts of an industry. Rebalancing – Adjusting your portfolio back to your original plan. Default Fund – Where your retirement money goes if you don’t choose. High-Growth Fund – Higher risk, higher long-term potential. Currency Losses – Exchange rates messing with your returns. Duopoly – When two companies dominate a market. Market Share – How much of the market a company controls. Burnout Feminism – Less hustle, more boundaries. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode... 00:01:32 Life updates: events & emergency funds 00:09:18 AI chips, tech hype & the rise of AI girlfriends 00:30:35 Netflix vs Warner Bros vs Paramount update 00:33:44 The $1m retirement wake-up call 00:37:26 Why your groceries are so expensive 00:42:13 Goodbye girlbossing, hello burnout feminism 00:48:03 Community questions 00:55:09 Thanks for listening 00:55:46 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Money isn’t just numbers in a spreadsheet: it’s childhood memories, anxiety, guilt, confidence, and the occasional unhinged purchase you defend forever. In this first episode of IOU (Some Money Education), Soph, Vic and Lucy Blakiston from Shit You Should Care About get honest about their own relationships with money, from how they grew up, to why they spend, save, or stress the way they do now. Expect family voice notes that expose everything, a few rogue spending confessions, and a reminder that if budgeting hasn’t worked for you before, it might not be the spreadsheet, it might be the mindset. Think of this as finance, but with a bit of self-reflection (and no judgement). Check out IOU (The Practical Lessons) here: (INSERT LINK) We’re proud to be partnering with BNZ. There’s an art to starting something new, and like any art form, you need the right tools to make it work. Whether you’re flatting, saving to travel, or making a career move, BNZ has the tools to help you master your money from the get-go. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Welcome to IOU (Some Money Education) 00:00:40 Coming up in this episode…. 00:01:25 BNZ X The Curve 00:01:51 The idea behind this series 00:04:32 Who is Lucy + Shit You Should Care About? 00:13:13 In the Red or in the Green? 00:19:20 Lucy’s relationship with money 00:28:58 Soph’s relationship with money 00:36:09 Vic’s relationship with money 00:42:48 Some messages from Lucy’s family... 00:51:11 Cash and Burn 00:57:34 Extra Credit 00:59:57 Thank you for joining us for IOU (Some Money Education)! 01:00:21 Thank you BNZ! 01:00:51 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

The Day COVID Split Australia’s Wealth - and the numbers are honestly jaw-dropping. We unpack the sharp divide between those who bought property BC (Before COVID) and AC (After COVID), why some younger homeowners saw their wealth jump 63% in five years, and why others are still feeling the interest-rate squeeze. It’s a timely reminder that timing helps… but overstretching isn’t the answer. Plus, Soph is officially back in New Zealand and we’re reunited in the studio (finally!), just in time to cover the Netflix vs Paramount bidding war over Warner Bros (hello $2.8B breakup fee), Pepsi quietly notching its 54th consecutive dividend raise, Nike’s Converse headache, and Google raising $32B through a 100-year AI bond. There’s lots we covered this week so let’s get into it… WTF does that mean? A guide to all the jargony bits: Dividend – A share of a company’s profits paid to shareholders. Dividend King – A company that’s raised its dividend for 50+ years straight. Elite behaviour. Breakup Fee – A penalty paid if a takeover deal collapses. Shareholder – Someone who owns part of a company (aka shares). Market Share – How much of a market a company controls. Defensive Stock – A steady company that holds up when the economy wobbles. Net Worth – What you own minus what you owe. Interest Rates – The cost of borrowing money. Tariffs – Taxes on imported goods. Higher tariffs = higher costs. Bond – A loan you give to a company or government in exchange for interest. 100-Year Bond – A loan that won’t be repaid for 100 years. Yes, actually. Dilution – When new shares are issued, reducing the value of existing ones. Liquidity – How quickly you can turn an investment into cash. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode… 00:01:29 New NZ studio reveal! 00:11:29 The Warner Bros saga continues 00:19:58 Pepsi’s 54-year dividend streak 00:25:26 BC vs AC property gap in Australia 00:35:09 Nike and Converse struggles 00:40:28 Google’s 100-year AI bond 00:48:21 Community investing question 00:54:58 Thanks for listening to The Curve Weekly! 00:55:37 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

If your income doesn’t come in a neat little monthly payslip because you freelance, contract, run a business, or your earnings are just a bit… chaotic - this one’s for you. In this month’s property podcast, we look at five key things to keep in mind when you go to apply for a mortgage when your money is “lumpy,” including what banks actually care about (stability and proof, not perfection), the paperwork that makes lenders take you seriously (income + tax records, accounts, contracts and future work), how to keep business and personal spending clean, what deposit expectations can look like, and how to boost your chances with simple moves like paying yourself regularly and cleaning up high-interest debt. Most importantly: this episode is here to kill the myth that getting a mortgage without a traditional salary is impossible, because it’s not. It’s just a slightly wiggly path, and you can absolutely prepare for it. Watch our episode with Gabby: ‘A Property Story Gone Wrong’: https://www.youtube.com/watch?v=raE9rKH-Duo&t=1315s We’re proud to be partnering with BNZ, who know that getting a mortgage isn’t always straightforward, especially if you don’t have the “standard” payslip setup. If you’re self-employed, contracting, freelancing, earning commission, or your income changes month to month, BNZ’s Home Loan Partners can help you understand what you might be able to borrow and what steps to take next. With the right tools and expert support, you can navigate the process with more clarity and confidence - from first search to settlement. 👉 To learn more, head here: BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode... 00:00:20 BNZ x The Curve 00:01:48 What even is a mortgage? 00:10:12 Soph’s mortgage story 00:21:00 5 things to keep in mind if you work for yourself & you’re trying to get a mortgage 00:24:09 1: Why it feels harder when you work for yourself 00:27:38 2: What banks actually need to see 00:36:51 3: The actual paperwork the bank requires 00:42:43 4: What deposit is needed? 00:47:02 5: What will help you get approved? 00:51:42 Final thoughts 00:54:41 Thank you for listening to the property podcast! 00:56:16 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

This week on The Curve Weekly, we’re serving finance news with a side of pop culture mess: the Beckham family feud is officially giving royalty-level drama, complete with billionaire in-laws and a casual $1 million-a-month allowance (just… imagine). We also break down why silver went absolutely feral, shooting up, then dropping hard, plus the big investing lesson: if you’re buying because everyone’s screaming about it, you’re probably late (sorry, Polly 😭). Then, the genuinely groundbreaking bit: a hormone-free male contraceptive pill is in the works, and we unpack whether this could become the next big investing trend (and whether men will actually take it…). And finally, Elon Musk is back doing Elon Musk things: SpaceX + xAI rumours, IPO chatter, and the slightly terrifying possibility of the world’s first trillionaire. Love the finance chat? Help two girlies out by giving the show a rating (only a good one pls) or sending this episode to a friend! 💖 WTF does that mean? A guide to all the jargony bits: FOMO – Buying because everyone else is. Dangerous energy. Safe Haven – The “world is scary” investment. Like gold. Commodity – A tradable raw thing (gold, silver, oil). On-paper gains – Profit that isn’t real until you sell. Central banks – The boss banks that control money + rates. Volatility – How rollercoaster-y the price is. Correction – A price drop after things got too hyped. IPO – When a company hits the stock market for the first time. Private company – A company you can’t buy shares in (yet). GLP-1s – Weight-loss meds like Ozempic (big economic ripple effects). Hormone-free – Works without messing with your hormones. Ownership – Building wealth by owning a slice of a business. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode... 00:01:13 Quick catch up 00:07:17 The Beckham Peltz Saga 00:18:20 The cost of being a woman 00:26:05 Why airlines are about to save $600 million on fuel a year... 00:27:57 What's going on with gold and silver? 00:34:55 Other quick updates... 00:39:40 SpaceX and xAI merger 00:48:08 Wrap up 00:49:55 Thank you for listening! 00:50:33 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Today’s episode is a little bonus drop: we’re releasing the unedited, uncut version of the cost of loneliness conversation that we shared a snippet of in Monday’s Curve Weekly, because honestly… it was too good (and too real) to leave on the cutting-room floor. Before we get into it, Soph gives you a quick sneak peek of Episode 1 of IOU (Some Money Education), our brand new money podcast + course launching next week, featuring Lucy Blakiston from Shit You Should Care About. Then we’re straight into the main event with Abi Foster: why loneliness isn’t just a sad-girl side quest but something businesses are quietly paying for in disengagement, burnout, and brain fog; how modern work (hello hybrid life) can make us feel weirdly isolated; and why you can feel lonely even when you’re surrounded by people. They get into the pressure women face around relationships, kids, careers, and the general state of the world, plus some genuinely helpful, very doable antidotes, like nurturing friendships, slowing down, and becoming the kind of person who tells strangers you’re amazing and means it. Want to be the first to know when IOU launches? Sign up to the newsletter here. (https://thecurveplatform.com/pages/sign-up-to-the-curve-weekly) Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Alone again 😫 00:00:33 IOU (Some Money Education) Episode 1 Preview... 00:02:13 The Cost of Lonliness (uncut) 00:29:22 Thank you for listening! Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Silver had been quietly minding its business… and then suddenly decided to go absolutely bananas… This week on The Curve Weekly, Soph’s joined by a very special guest filling in for Vic: chartered accountant + finance creator  Abi Foster (https://www.instagram.com/abigailrosefoster/) (aka that finance girl with the hair), and together they’re breaking down what’s actually driving silver’s surge, why geopolitical chaos tends to send people stampeding toward “safe” assets, and how rising silver prices could make everyday things like AI tech and solar panels more expensive. Plus: Netflix is having a wobble (down ~40% 👀), but is it truly flopping, or just behaving like the world’s biggest startup while it tries to keep up with YouTube and the chaos of modern attention spans? And then, as all good finance chats do, we take a slightly-too-relatable detour into the loneliness epidemic (apparently costing US businesses $154 BILLION a year??), with a side of that Diary of a CEO episode discourse, friendship-as-therapy, and tiny habits that make life feel less like an emotional buffering screen. WTF does that mean? A guide to all the jargony bits: Commodities – Tradeable raw materials (gold, silver, oil). Safe Haven – Where money hides when the world feels chaotic. Bubble – Price goes way too high… then pops. Shares – Tiny slices of a company you can buy. Share Price – What one slice costs right now. Acquisition – When one company buys another. Ad Revenue – Money made from ads interrupting your show. TAM (Total Addressable Market) – The biggest possible audience a company could reach. Fiscal Drag – You pay more tax over time without feeling richer. Rude. Tax Threshold – The point where a higher tax rate kicks in. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode… 00:01:30 Guest alert: Abi Foster joins the pod! 00:05:29 Silver’s surging: what’s driving the hype? 00:16:36 Netflix is down… 00:29:21 The $154B loneliness problem (and why it matters) 00:47:54 Final thoughts 00:50:51 Thanks for listening (see you next week!) 00:51:30 Thank you for listening! Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Vic’s dealing with a family emergency, so today it’s a short solo update from Soph today, sharing an honest money moment she didn’t expect to be talking about - having to borrow from family after a run of unexpected costs, and why it matters more than we realise when we compare our financial “progress” to other people’s. You’ll also hear a first listen to IOU, our new monthly money-education podcast (plus a practical course) dropping mid-Feb, built to help you get the basics sorted without jargon or judgement. Want to be the first to know when IOU launches? Sign up to the newsletter here: (https://thecurveplatform.com/pages/sign-up-to-the-curve-weekly) We’ll be back on Monday with The Curve Weekly and a very special guest, Abi Foster (@abigailrosefoster) See you then!! Listen to the Eliza Filby ep here: https://youtu.be/PC3IfHIDB9o?si=jFUHJ_7XvCCiuepu Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Before we get into the absolute avalanche of finance and investing news, Soph cracks open a margarita for moral support and the girls have a quick catch-up on nerves, public speaking and… boyfriends. Then it’s straight into the investing news: are billionaires selling shares actually a market crash warning, or just rich people doing rich people things? They break down Buffett’s cash pile, founder stock sales, and the ethics of investing in companies whose leaders are getting a bit too cosy with politics. Plus: the Australian Open pay dispute, China’s record trade surplus and what it could mean for global trade, and a quick check-in on luxury stocks. We also introduce our new “techspert” segment with Nat, explaining the tech behind major events and why AI research (especially China’s) is a bigger deal than most people realise. And to finish: Elon Musk suing OpenAI and Microsoft for $134B, and Soho House’s latest financial wobble. Watch our previous episode with Natalie Piucco: https://youtu.be/kQ3dKKSFbWI?si=mHObEuOvfYK6JlGc WTF does that mean? A guide to all the jargony bits: Founder Stock Sale – A founder cashing out some shares. Not necessarily drama. Market Crash – Shares drop hard, everyone screams. Trade Surplus – Country sells more than it buys. Trade Deficit – Country buys more than it sells. Tariffs – Extra tax on imports. Price goes up. Ethical Investing – Investing, but with a conscience. Revenue Share – Who gets what cut of the money. Prize Pool – Total winnings up for grabs. AI Research – The nerdy work that powers AI. Not-For-Profit – Made for the mission, not profit. For-Profit – Made to make money (and returns). Going Private – Company leaves the stock market spotlight. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode... 00:01:49 Boyfriend catch-up + margaritas 00:08:14 Billionaires selling: should we worry? 00:20:19 Australian Open pay dispute 00:28:31 Our BRAND NEW series: IOU 00:31:15 China’s record trade surplus 00:46:16 Techspert Nat: AI + event tech 00:50:20 Elon sues OpenAI 00:54:32 Soho House update 00:57:47 Wrapping up 00:58:24 Thank you for listening! 00:59:00 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Mortgage rate changes can bring new considerations for homeowners. In this episode, Vic shares her experience from 2023, when her mortgage rate nearly tripled, offering a real-world example many homeowners can relate to. In this episode, we break down what actually happened, why rate changes can feel challenging, and what history shows us about mortgage cycles so you’re better prepared for future changes. You’ll come away with five practical, actionable steps to take if you’re feeling mortgage stress right now, including how to assess your numbers, when to speak to your bank, where to find flexibility, and who can help you explore better options. This episode is designed to help you feel calmer, more informed, and more in control of your mortgage - even when interest rates are moving fast. We’re proud to be partnering with BNZ, who know that home ownership isn’t a straight line. Sometimes life throws curveballs, and BNZ is all about supporting you through the hard stuff, not just the highlights. Whether you’re planning ahead or needing a bit more support right now, BNZ’s home loan experts have the tools and people ready to help you find a way. To learn more, head here: https://www.bnz.co.nz/personal-banking/home-loans/mobile-mortgage-managers?utm_source=podcast&utm_medium=spotify&utm_campaign=thecurve&utm_content=ep9 BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode... 00:01:31 BNZ x The Curve 00:02:31 Vic’s mortgage story 00:28:04 A history of mortgage rates 00:42:22 Steps to take if you feel overwhelmed 00:51:51 Thank you BNZ! 00:53:26 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Money chats are awkward enough… but money you didn’t earn? That’s next-level uncomfortable. In this episode, Soph sits down with Dr Eliza Filby, author of Inheritocracy, to unpack the Bank of Mum & Dad and how it’s quietly reshaping everything from the housing market to our friendship groups. We dig into why “inheritocracy” makes people squirm, how Eliza defines it (starting with her own story), and the less obvious privileges that come with family support: free rent, childcare, career safety nets, and the ability to take risks without everything collapsing. We also talk about why you can’t always spot who has family money, what a financial backstop does to your choices, when help can become too much (strings, guilt, and guardrails), plus Eliza’s take on raising resilient kids, what Gen Alpha is up against, why entrepreneurship is the new rock’n’roll, and her best advice for building financial independence, whatever your starting line. Eliza’s book: Inheritocracy: It’s Time to Talk About the Bank of Mum and Dad (https://www.penguin.co.uk/books/476298/inheritocracy-by-filby-eliza/9780753561904) Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Investing Club⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Episode preview 00:00:56 Meet Dr Eliza Filby 00:01:35 Why “inheritocracy” makes everyone squirm 00:05:53 Eliza’s story + what “inheritocracy” actually means 00:12:05 The quiet perks: childcare, free rent, safety nets 00:15:00 You can’t always “tell” who has family money 00:17:51 The power of a financial backstop 00:23:19 When help becomes harmful: money, guilt, and guardrails 00:26:51 Parenting with privilege (and how to not spoil them) 00:29:09 Gen Alpha’s future: resilience in a chaotic world 00:30:44 Why entrepreneurship is the new rock star dream 00:34:18 Eliza’s advice for building financial independence 00:39:27 Thank you for listening to Raising The Curve! 00:39:52 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.