The Curve

Epizódok

• 
  A $6BN Divorce With No Prenup + Kendall Jenner's Investing Playbook 15.09.2026 32p

  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.
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  The Weekly: Worst Interest Rates Since 2008 & Shein Loses $5bn in a week. 13.09.2026 38p

  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.
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  A Side Hustle From Her Bedroom Floor Became an 8-Figure Business. 10.09.2026 47p

  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.
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  Hundreds of millions in the bank. Still took 18 years to turn a profit. 08.09.2026 46p

  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.
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  First fund update, Apple's new CEO, & the billion-dollar cost of climate change. 06.09.2026 47p

  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.
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  The property millionaire who says stop buying. 03.09.2026 42p

  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.
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  Meta's $18 billion problem. 01.09.2026 59p

  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.
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  Designer Babies, Anti-Aging & the $12.5B Lakers Deal. 30.08.2026 48p

  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.
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  7 Questions to Ask Before You Buy an Investment Property. 27.08.2026 42p

  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.
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  Do you have "Emma Grede Disease"? Unpacking founder culture's biggest myth. 25.08.2026 57p

  "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.
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  Samsonite buys BÉIS, Selena Gomez gets sued & Anthropic's $1 trillion IPO 23.08.2026 49p

  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.
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  Is your wedding for you, or for Instagram? 20.08.2026 50p

  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.
• 
  What AOC's public egg freezing journey reveals about the cost of fertility. 19.08.2026 1ó 12p

  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.
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  Alix Earle vs Alex Cooper: the tea is in the balance sheets. 16.08.2026 52p

  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.
• 
  The holiday hangover nobody talks about: your bank account. 13.08.2026 45p

  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.
• 
  OnlyFans: exploitation dressed up as empowerment. 11.08.2026 1ó 2p

  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.
• 
  Is being chronically single the new savings hack? 09.08.2026 47p

  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.
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  Money buys freedom, not things: a financial coach explains. 06.08.2026 45p

  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.
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  Can women afford to not botox? 04.08.2026 1ó 5p

  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.
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  50k guaranteed or flip for a million? (The answer says a lot about you). 02.08.2026 42p

  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.