The Curve

Episodi

• The Money Lessons We Were Never Taught (And How to Catch Up in Your 20s and 30s). 16.07.2026 50min

  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 McMahon 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.
• Should Billionaires Be Taxed? + Taylor Swift & Travis Kelce's $20M Wedding. 14.07.2026 36min

  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.
• The prenup boom, explained. 12.07.2026 40min

  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.
• Ways to Earn More When Budgeting Isn't Enough. 09.07.2026 51min

  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.
• Why Women Will Inherit Most of the $124 Trillion Wealth Transfer. 07.07.2026 43min

  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 Flights Are Still Expensive, What Nike's Hiding & Are ETFs Losing Their Charm? 05.07.2026 43min

  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.
• Why now is never the right time to invest. 01.07.2026 56min

  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.
• The Fifa World Cup has a new rule. It's called pay your child support. 28.06.2026 42min

  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.
• The Honest Truth About Buying Property With Someone You Love. 24.06.2026 44min

  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 Here. And it's about to hit your wallet. 21.06.2026 44min

  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.
• Meet The Founder: Sophie's Full Money Story. 17.06.2026 50min

  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.
• What your mum did for work is probably affecting your salary right now. 14.06.2026 1h

  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.
• The Leadership Expert Rethinking How We Work, Parent & Show Up, with Dr Ellen Joan Ford. 10.06.2026 57min

  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.
• We need to talk about Anthropic's trillion-dollar IPO. 07.06.2026 46min

  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.
• How to Set Up Multiple Bank Accounts for Better Budgeting. 03.06.2026 41min

  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.
• The reason Spotify's stock price jumped 18% in one day. 31.05.2026 48min

  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.
• Find Your Spending Pillars and Never Feel Guilty About Money Again. 27.05.2026 38min

  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.
• SpaceX Is Set to Be the Biggest IPO in History. 24.05.2026 29min

  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.
• The Property Breakup From Hell. 20.05.2026 54min

  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.
• The Green Bike Empire That Can't Pay Its Bills. 17.05.2026 50min

  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.