The Curve

The Curve Platform

The Curve is a platform to learn more about money. To change the stereotype that these conversations are typically boring, and only for men in suits. Victoria has worked in the finance and investing world for 13 years, and Sophie is a total novice. Learn alongside her as she asks all the questions you're thinking, but might feel a little embarrassed to ask. This podcast will give you all the tools and knowledge to achieve financial freedom, as well as (hopefully) having a laugh along the way.

New episodes every Monday and Thursday!

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

Subscribe Listen in podnod RSS feed Show website

409 episodes
Updated Sunday

Episodes409

Newest first

March 29 · 56 min
Navigating the Market Dip.
Vic and Soph are both back in London and straight into the chaos - because the markets are wobbling, oil prices are rising, and everyone’s asking the same question: should you be panicking? They break down what’s actually going on with inflation, why pulling your money out of the market might do more harm than good, and what’s really driving all this uncertainty. They also dive into a major social media lawsuit that could change the industry, unpack the rise (and risks) of private credit, and debate whether prediction markets are investing… or just gambling in a blazer. Plus, why your skincare obsession might secretly be an investing opportunity, and a listener question that shows just how switched on (and seriously impressive) this community is when it comes to building wealth. Check out the B416 campaign here. (https://b416.co.nz/) We’re thinking about rebranding The Curve Weekly, drop your ideas in the comments or DM us, we’d love your input!! 💭 WTF does that mean? A guide to all the jargony bits: Inflation – Prices go up, your money buys less. Interest Rates – What you earn on savings or pay on debt. Market Dip – Prices fall for a bit. Normal, even if it feels scary. Timing the Market – Trying to buy low, sell high perfectly. Good luck. Forward-Looking Market – Prices move on expectations, not current news. Private Credit – Loans from non-banks. Higher risk, higher return. Liquidity – How quickly you can get your money out. Defaulting – When a borrower can’t pay back a loan. Prediction Markets – Betting on outcomes dressed up as investing. Renewable Energy – Power from wind, solar, etc. Big future focus. Dollar Cost Averaging – Investing little and often. Return – What you make (or lose) on an investment. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in the episode... 00:01:12 We're back in London! 00:08:34 Oil, inflation and the market dip 00:22:43 The social media lawsuit everyone’s talking about 00:31:24 Why the beauty industry is booming 00:37:45 Private credit (and why people are worried) 00:47:35 A message on The Curve Hotline! 00:54:30 We need your help 👀 00:55:28 Thank you for listening to The Curve Weekly! 00:56:06 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
March 25 · 58 min
Untangling Shared Property & Wealth After a Relationship, with Sarah Falanitule.
What happens when you’ve spent years building wealth and property alongside a partner, and then find yourself needing to untangle those assets and start again? In this episode, Sophie sits down with BNZ’s Sarah to talk about navigating shared finances when life takes an unexpected turn. They discuss the emotional side of separating assets, why making decisions sooner rather than later can help you regain financial control, and how leaning on your network can make the process far less overwhelming. The conversation also dives into practical property insights, from what first-home buyers often overlook (insurance, maintenance, and the real cost of home ownership) to what makes a strong investment property and the common pitfalls to watch for. Plus, Sarah shares how she’s rethinking her own wealth strategy, why she’s started diversifying into shares, and explains the concept of offset mortgages in a refreshingly simple way. And to wrap it all up, we end with a powerful poem that beautifully brings the episode full circle, reminding us that our financial choices are ultimately about how we choose to live our one wild and precious life. We’re proud to be partnering with BNZ, who know that home ownership isn’t a straight line. Sometimes life throws curveballs, and BNZ is all about supporting you through the hard stuff, not just the highlights. Whether you’re planning ahead or needing a bit more support right now, BNZ’s home loan experts have the tools and people ready to help you find a way. 👉 To learn more, head here. (https://www.bnz.co.nz/personal-banking/home-loans/mobile-mortgage-managers?utm_source=podcast&utm_medium=spotify&utm_campaign=thecurve&utm_content=ep11) BNZ home loans are subject to our lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply. This podcast contains general information only – not financial or professional advice. Opinions expressed are those of the speakers and not necessarily BNZ. BNZ is not liable for any losses resulting from the content Credits: Host: Sophie Hallwright Guest: Sarah Falanitule Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in the episode... 00:03:01 BNZ x The Curve 00:04:03 Meet Sarah & what we’re diving into 00:05:20 The career moment that changed everything 00:09:16 Untangling property and assets with a partner 00:23:45 Rebuilding wealth on your own 00:26:21 Investing beyond property 00:42:00 Confidence knocks & rethinking your money strategy (plus Sarah’s mortgage setup) 00:46:31 First home vs investment property: what to know 00:48:06 Property mistakes Sarah wouldn’t make again 00:49:23 Tips for buying property right now 00:51:28 Setting yourself up for the life you actually want 00:54:09 A poem to bring it all together 00:56:45 Thank you for listening to The Property Podcast 00:58:19 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
March 22 · 47 min
The brand no one saw coming back.
Sophie’s away this week, so Vic is joined by the brilliant India Leishman, and honestly, she’s making a very convincing case for a permanent seat at the mic. Together they tackle the very un-sexy reality of rising oil prices and what that could mean for flights, groceries, inflation, and basically the cost of existing, before getting into Gap’s unexpected comeback story, the Jo Malone name-drama that sounds too wild to be true, and why Unilever seems to be betting big on beauty and wellness over your pantry staples. There’s also a helpful breakdown of stagflation for anyone who’s heard the word and nodded politely, plus some solid career advice for getting into finance. A slightly chaotic, very informative catch-up on what’s moving markets right now, and what it might mean for you. WTF does that mean? A guide to all the jargony bits: Stagflation – Slow economy + rising prices. Not a fun combo. Central Bank – Sets interest rates. Runs the money system. Interest Rates – Cost of borrowing. Higher = more expensive. Inflation – Prices go up, your money goes less far. Reporting Season – When companies reveal their results. Revenue – Money a company makes before costs. Share Price – What one share in a company costs. Stock Market – Where shares are bought and sold. Diversification – Spreading your money across investments. Spin-off – A company splitting off part of its business. Non-compete – Stops you starting a similar business. Renewable Energy – Energy that won’t run out (like wind/solar). Credits: Hosts: Victoria Harris & India Leishman Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Welcome India! 00:03:56 Oil prices surge 00:20:41 Gap rebounds 00:27:14 Jo Malone vs Jo Malone 00:32:44 Unilever is side-eyeing its food business 00:39:36 Community Question 00:00:00 Thank you for listening to The Curve Weekly! 00:00:00 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
March 18 · 42 min
How to Build the Ultimate Budget.
Budgeting… stay with us 😅 This month on IOU (Some Money Education), Soph and Vic drag Lucy (lovingly) into the world of budgets, aka figuring out where your money goes before it disappears like your Apple charges. You’ll learn the simple “needs, wants, surplus” split, why planning ahead is basically a money superpower, and how having a clear setup can actually reduce money stress (even if you’re allergic to checking your bank account). Plus: we introduce our newest cast member, Reese Witherspoon the piggy bank, play “spending bingo,” and read out the most unhinged “non-negotiable” splurges: think $100 candles, Sims gaming PCs, and “I bought veneers for copywriting” - yes you read that right. If you’ve ever avoided budgeting because it felt restrictive or overwhelming, this is the episode that will change your mind. Check out IOU (The Practical Lessons) here: https://thecurveplatform.com/ We’re proud to be partnering with BNZ. There’s an art to starting something new, and like any art form, you need the right tools to make it work. Whether you’re flatting, saving to travel, or making a career move, BNZ has the tools to help you master your money from the get-go. Credits: Hosts: Victoria Harris & Sophie Hallwright Guest: Lucy Blakiston Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Welcome to IOU (Some Money Education)! 00:00:40 Coming up in this episode… 00:01:26 BNZ x The Curve 00:01:53 In the Red or Green? 00:03:26 Is property still a good investment? 00:09:11 How Lucy budgets 00:18:56 How to craft a budget: needs, wants, surplus 00:23:19 IOU an answer 00:30:57 Cash and Burn 00:36:12 Extra Credit 00:40:58 Thank you for joining us for IOU (Some Money Education) 00:41:20 Thank you BNZ! 00:41:50 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
March 15 · 45 min
The New Investing Trend We’re Torn On…
This week we get stuck into the rise of prediction markets: the internet’s latest obsession where people are literally putting money on future events and calling it “forecasting.” So… clever investing tool or just gambling in a blazer? 👉 CLICK HERE TO VOTE IN OUR POLL! (https://form.typeform.com/to/fQQYthvs) They also unpack why oil prices are shooting up, what that means for petrol, flights, inflation and basically everything else we spend money on, plus a surprisingly fascinating chat about loneliness as an economic trend and why solo living, solo dining and solo travel are becoming big business. Want to co-host next week’s Curve Weekly with Vic? Apply via the Curve Hotline (https://thecurveplatform.com/pages/the-curve-hotline) and tell us why you’d be a great fit (and where you’re based). Interested in working with Pete? Email us at hello@thecurveplatform.com and we’ll put you in touch! WTF does that mean? A guide to all the jargony bits: Prediction Markets – Platforms where people put money on whether future events will happen. Think betting… but on real-world outcomes. Commodities – Raw materials like oil, gold, or wheat that are traded globally. S&P 500 – An index tracking the 500 biggest companies in the US stock market. Analyst – Someone who studies economic data and companies to predict what might happen next. Insider Trading – Using secret, non-public information to make money in markets. Very illegal. ETF (Exchange Traded Fund) – A bundle of different investments you can buy in one go. Diversification – Spreading your money across different investments to reduce risk. Inflation – When prices go up and your money buys less. Renewable Energy – Energy from sources that don’t run out, like wind or solar. Defense Stocks – Companies that make military equipment or services governments buy. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 What’s coming up this week… 00:01:12 Want to co-host The Curve Weekly? 00:03:38 Prediction markets: investing or gambling? 00:22:32 Why oil prices are suddenly surging 00:34:14 The surprising economics of loneliness 00:40:37 Questions from the Curve Community 00:44:00 Thank you for listening! 00:44:38 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
March 11 · 36 min
The Story That Changed How We Think About Emergency Funds, with Tanya Taylor.
Tanya Taylor’s story is the kind that makes you want to immediately check your savings account and maybe your insurance policy too. She moved from rural Jamaica to the US at 16 with just $100, built an incredible career, grew a seven-figure investment portfolio, and did everything “right” financially, only for one devastating accident to turn her world upside down. In this episode, Tanya shares how budgeting, goal-setting, and long-term investing helped her build wealth from scratch, why emergency funds matter far more than most of us think, and what she learned after being forced to start again. It’s part money masterclass, part resilience lesson, and part gentle-but-firm reminder to stop treating your emergency fund like it’s there for cheeky little treats. And if this conversation gets you thinking about protecting your income too, we mentioned our insurance episode in the chat, you can listen to that here. (https://open.spotify.com/episode/5rBV0ZoDcNFjVaLhoQAjTk?si=fe362e2a5eaf4d55) Tanya’s links: Grow Your Wealth (https://growyourwealth10x.com/) Instagram (https://www.instagram.com/growyourwealth10x/) LinkedIn (https://www.linkedin.com/in/tanya-taylor-cpa-mba-growyourwealth) Credits: Host: Sophie Hallwright Guest: Tanya Taylor Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Introducing Tanya’s Story 00:02:24 Growing Up in Rural Jamaica 00:05:12 A New Perspective on Wealth 00:08:05 Moving to the US with 00:11:06 The Money Habits That Changed Everything 00:15:09 Milestones on the Path to Wealth 00:16:26 The Day Everything Changed 00:21:11 Emergency Funds and Preparing for the Unexpected 00:29:40 Teaching the Next Generation About Money 00:36:03 Thanks for Listening 00:36:28 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
March 4 · 38 min
How to Grow a Business Without Doing Everything Yourself, with Rachel Beider.
This episode is a bit of a hidden gem. It was recorded in New York last January and somehow ended up sitting quietly in the archives… until we recently rediscovered it and realised how good it was. Safe to say, we couldn’t keep it hidden any longer. In this conversation, Sophie sits down with Rachel Beider, founder of Press Modern Massage, (https://www.pressmodernmassage.com/) the business she built and scaled from the ground up, before going on to launch a second venture: The Canopy (https://www.thecanopynyc.com/), an indoor play space for babies and toddlers in New York. We talk about Rachel’s journey into becoming a massage therapist, the early days of building her business, the biggest challenges she faced as it grew, and the lessons she learned scaling in a competitive industry. The conversation also dives into leadership, including her approach to servant-style management, as well as the personal side of entrepreneurship: financial freedom, how she manages her personal finances, and how her priorities evolved as she moved from business owner to mother. Credits: Host: Sophie Hallwright Guest: Rachel Beider Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode… 00:03:09 How Rachel became a massage therapist (and the unexpected path into business) 00:10:44 The key milestones in building her business 00:12:47 The biggest challenges she faced as a founder 00:19:08 What it took to scale to a million-dollar business 00:20:53 The leadership style that shaped her company culture 00:25:57 Advice for starting a business in a competitive industry 00:28:20 The upside of entrepreneurship and financial freedom 00:32:05 How Rachel approaches her personal finances 00:34:48 Navigating the shift from business owner to mother 00:37:16 Thank you for listening! 00:37:41 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
March 1 · 53 min
The Woman Out-Philanthropying the Billionaires.
One woman gave away $7 billion in a single year, while most of the richest people in America have donated less than 5% of their wealth. We unpack the billionaire giving gap, why some tech titans are looking a little stingy, and how one woman is quietly raising the bar for what extreme wealth could actually do in the world. Before we got there though, we covered a lot. We dive into Trump’s tariffs being ruled illegal (and the refund chaos that could follow), the cringey US men’s hockey White House moment that sidelined the women’s gold medal team, the Netflix vs Paramount vs Warner Bros takeover drama, and rumours that Stripe might snap up PayPal. We then zoom out to the bigger picture: the cost of being a woman. New data shows women are disproportionately seeking debt advice in the UK, and we talk childcare, pay gaps, and why financial pressure isn’t evenly distributed. And finally, we wrap with a community question on where to invest savings outside KiwiSaver. Billionaires, boardroom battles, misogyny and money, all in one episode. Strap on in… WTF does that mean? A guide to all the jargony bits: Tariffs – A tax on imports. Businesses pay… you usually feel it. Supreme Court – The highest court. Final legal say. Volatility – Markets going up and down. Fast. Takeover / Acquisition – One company buying another. Corporate hunger games. Shareholder – Someone who owns a slice of a company. Divest – Selling off part of a business. Market Share – How much of an industry a company controls. Fintech – Financial tech. Think Stripe, PayPal, investing apps. Philanthropy – Donating money. Usually when you’re very rich. Net Worth – What you own minus what you owe. Managed Fund – Your money invested alongside others, run by professionals. KiwiSaver – NZ retirement fund. Mostly locked till 65. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Quick catch up & almost-accidents 00:05:35 Trump’s tariffs ruled illegal 00:16:00 The US hockey White House fallout 00:21:21 Netflix vs Paramount vs Warner Bros 00:27:10 Stripe circling PayPal 00:32:06 The billionaire giving gap 00:40:56 The cost of being a woman 00:49:16 Community questions 00:51:55 Thank you for listening! 00:52:33 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
February 25 · 56 min
How to Invest in Your Fertility Wisely, with Deirdre O'Neill.
Content note: this episode discusses fertility challenges. In this episode, Soph sits down with Deirdre (co-founder of Hertility (https://hertilityhealth.com/?utm_source=google&utm_medium=cpc&utm_content=brand&tw_source=google&tw_adid=788546525883&tw_campaign=23369905571&tw_kwdid=kwd-1597074458376&gad_source=1&gad_campaignid=23369905571&gbraid=0AAAAAC5LxzjrikgRGf5W9LD4_oDrGMDof&gclid=Cj0KCQiA49XMBhDRARIsAOOKJHZY2-9bCyWIFg-x8fRpVEgljQIDoygOyDEdZvbgAZ0QhxvTmcWiNA0aAmgFEALw_wcB)) to unpack what “investing in your fertility” actually means, medically and financially, at a time when many women feel pressure to make big life decisions without clear information. They explore the gap between being told to “just freeze your eggs” and actually understanding your hormone profile, why testing one number (AMH) isn’t the full story, and how tracking your fertility over time can give you far more control than panic-driven decisions. The episode dives into the economics of fertility too: the rising cost of IVF, companies offering egg freezing as a workplace perk, and whether paying for treatment instead of prevention is missing the point entirely. Along the way, they tackle biological clocks, career timelines, societal pressure, medical gaslighting, and the emotional weight of not knowing. This is a candid, thought-provoking discussion about autonomy, trade-offs, and why information, medical and financial, is often the most powerful investment you can make. 🌟 Exclusive for The Curve listeners: use code CURVE15 to get 15% off Hertility’s Advanced Tests. (https://hertilityhealth.com/?utm_source=google&utm_medium=cpc&utm_content=brand&tw_source=google&tw_adid=788546525883&tw_campaign=23369905571&tw_kwdid=kwd-1597074458376&gad_source=1&gad_campaignid=23369905571&gbraid=0AAAAAC5LxzjrikgRGf5W9LD4_oDrGMDof&gclid=Cj0KCQiA49XMBhDRARIsAOOKJHZY2-9bCyWIFg-x8fRpVEgljQIDoygOyDEdZvbgAZ0QhxvTmcWiNA0aAmgFEALw_wcB) Credits: Host: Sophie Hallwright Guest: Deirdre O’Neill Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Episode Preview 00:01:03 Quick Disclaimer 00:01:16 What Hertility Does (And Why It’s Needed) 00:11:25 The Founder Story 00:17:19 What Testing Actually Tells You 00:21:00 Get 15% off a Hertility Test! 00:21:36 Investing in Fertility 00:42:01 Thoughts on IVF 00:47:39 How to Decide What’s Right for You 00:54:40 Where to Learn More 00:55:52 Thank you for Listening! 00:56:17 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
February 22 · 56 min
A Retirement Fund Wake-Up Call, The AI Chip Crisis, & goodbye “Girlbossing”.
In this week’s Curve Weekly, Vic and Soph unpack the AI chip crisis and why soaring demand could mean pricier tech (no, not the potato kind), plus the recent market wobble and why it’s not a cue to panic. They dive into the ongoing Netflix vs Warner Bros vs Paramount drama, reveal the scary stat about people not knowing where their retirement fund is (and how that could cost up to $1 million long term), and explain why groceries in the Southern Hemisphere feel criminally expensive. Add in a quick emergency-fund reality check and the rise of burnout feminism: goodbye girlbossing, hello boundaries! 👉 Answer our 10-second retirement poll (https://forms.gle/4ZTRbchUYYgqVmt16) WTF does that mean? A guide to all the jargony bits: Bond – An IOU. You lend money, they pay you interest. 100-Year Bond – You get paid back in a literal century. Wild. AI Inference – The “thinking” part when AI answers you. Data Centre – Massive computer warehouses powering the internet. Market Wobble – A small dip. Not a meltdown. Sell-Off – Lots of people selling at once. AI Cannibalisation – AI replacing parts of an industry. Rebalancing – Adjusting your portfolio back to your original plan. Default Fund – Where your retirement money goes if you don’t choose. High-Growth Fund – Higher risk, higher long-term potential. Currency Losses – Exchange rates messing with your returns. Duopoly – When two companies dominate a market. Market Share – How much of the market a company controls. Burnout Feminism – Less hustle, more boundaries. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode... 00:01:32 Life updates: events & emergency funds 00:09:18 AI chips, tech hype & the rise of AI girlfriends 00:30:35 Netflix vs Warner Bros vs Paramount update 00:33:44 The retirement wake-up call 00:37:26 Why your groceries are so expensive 00:42:13 Goodbye girlbossing, hello burnout feminism 00:48:03 Community questions 00:55:09 Thanks for listening 00:55:46 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
February 18 · 56 min
How To Get A Mortgage When You Work For Yourself.
If your income doesn’t come in a neat little monthly payslip because you freelance, contract, run a business, or your earnings are just a bit… chaotic - this one’s for you. In this month’s property podcast, we look at five key things to keep in mind when you go to apply for a mortgage when your money is “lumpy,” including what banks actually care about (stability and proof, not perfection), the paperwork that makes lenders take you seriously (income + tax records, accounts, contracts and future work), how to keep business and personal spending clean, what deposit expectations can look like, and how to boost your chances with simple moves like paying yourself regularly and cleaning up high-interest debt. Most importantly: this episode is here to kill the myth that getting a mortgage without a traditional salary is impossible, because it’s not. It’s just a slightly wiggly path, and you can absolutely prepare for it. Watch our episode with Gabby: ‘A Property Story Gone Wrong’: https://www.youtube.com/watch?v=raE9rKH-Duo&t=1315s We’re proud to be partnering with BNZ, who know that getting a mortgage isn’t always straightforward, especially if you don’t have the “standard” payslip setup. If you’re self-employed, contracting, freelancing, earning commission, or your income changes month to month, BNZ’s Home Loan Partners can help you understand what you might be able to borrow and what steps to take next. With the right tools and expert support, you can navigate the process with more clarity and confidence - from first search to settlement. 👉 To learn more, head here: BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode... 00:00:20 BNZ x The Curve 00:01:48 What even is a mortgage? 00:10:12 Soph’s mortgage story 00:21:00 5 things to keep in mind if you work for yourself & you’re trying to get a mortgage 00:24:09 1: Why it feels harder when you work for yourself 00:27:38 2: What banks actually need to see 00:36:51 3: The actual paperwork the bank requires 00:42:43 4: What deposit is needed? 00:47:02 5: What will help you get approved? 00:51:42 Final thoughts 00:54:41 Thank you for listening to the property podcast! 00:56:16 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
February 15 · 56 min
Australia’s Wealth Divide BC and AC.
The Day COVID Split Australia’s Wealth - and the numbers are honestly jaw-dropping. We unpack the sharp divide between those who bought property BC (Before COVID) and AC (After COVID), why some younger homeowners saw their wealth jump 63% in five years, and why others are still feeling the interest-rate squeeze. It’s a timely reminder that timing helps… but overstretching isn’t the answer. Plus, Soph is officially back in New Zealand and we’re reunited in the studio (finally!), just in time to cover the Netflix vs Paramount bidding war over Warner Bros (hello $2.8B breakup fee), Pepsi quietly notching its 54th consecutive dividend raise, Nike’s Converse headache, and Google raising $32B through a 100-year AI bond. There’s lots we covered this week so let’s get into it… WTF does that mean? A guide to all the jargony bits: Dividend – A share of a company’s profits paid to shareholders. Dividend King – A company that’s raised its dividend for 50+ years straight. Elite behaviour. Breakup Fee – A penalty paid if a takeover deal collapses. Shareholder – Someone who owns part of a company (aka shares). Market Share – How much of a market a company controls. Defensive Stock – A steady company that holds up when the economy wobbles. Net Worth – What you own minus what you owe. Interest Rates – The cost of borrowing money. Tariffs – Taxes on imported goods. Higher tariffs = higher costs. Bond – A loan you give to a company or government in exchange for interest. 100-Year Bond – A loan that won’t be repaid for 100 years. Yes, actually. Dilution – When new shares are issued, reducing the value of existing ones. Liquidity – How quickly you can turn an investment into cash. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode… 00:01:29 New NZ studio reveal! 00:11:29 The Warner Bros saga continues 00:19:58 Pepsi’s 54-year dividend streak 00:25:26 BC vs AC property gap in Australia 00:35:09 Nike and Converse struggles 00:40:28 Google’s 100-year AI bond 00:48:21 Community investing question 00:54:58 Thanks for listening to The Curve Weekly! 00:55:37 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
February 11 · 1 hr 1 min
Unpacking Our Relationship With Money.
Money isn’t just numbers in a spreadsheet: it’s childhood memories, anxiety, guilt, confidence, and the occasional unhinged purchase you defend forever. In this first episode of IOU (Some Money Education), Soph, Vic and Lucy Blakiston from Shit You Should Care About get honest about their own relationships with money, from how they grew up, to why they spend, save, or stress the way they do now. Expect family voice notes that expose everything, a few rogue spending confessions, and a reminder that if budgeting hasn’t worked for you before, it might not be the spreadsheet, it might be the mindset. Think of this as finance, but with a bit of self-reflection (and no judgement). Check out IOU (The Practical Lessons) here: (INSERT LINK) We’re proud to be partnering with BNZ. There’s an art to starting something new, and like any art form, you need the right tools to make it work. Whether you’re flatting, saving to travel, or making a career move, BNZ has the tools to help you master your money from the get-go. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Welcome to IOU (Some Money Education) 00:00:40 Coming up in this episode…. 00:01:25 BNZ X The Curve 00:01:51 The idea behind this series 00:04:32 Who is Lucy + Shit You Should Care About? 00:13:13 In the Red or in the Green? 00:19:20 Lucy’s relationship with money 00:28:58 Soph’s relationship with money 00:36:09 Vic’s relationship with money 00:42:48 Some messages from Lucy’s family... 00:51:11 Cash and Burn 00:57:34 Extra Credit 00:59:57 Thank you for joining us for IOU (Some Money Education)! 01:00:21 Thank you BNZ! 01:00:51 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
February 8 · 51 min
The Beckham Feud, Silver’s Biggest Mood Swing, and The Male Pill…
This week on The Curve Weekly, we’re serving finance news with a side of pop culture mess: the Beckham family feud is officially giving royalty-level drama, complete with billionaire in-laws and a casual $1 million-a-month allowance (just… imagine). We also break down why silver went absolutely feral, shooting up, then dropping hard, plus the big investing lesson: if you’re buying because everyone’s screaming about it, you’re probably late (sorry, Polly 😭). Then, the genuinely groundbreaking bit: a hormone-free male contraceptive pill is in the works, and we unpack whether this could become the next big investing trend (and whether men will actually take it…). And finally, Elon Musk is back doing Elon Musk things: SpaceX + xAI rumours, IPO chatter, and the slightly terrifying possibility of the world’s first trillionaire. Love the finance chat? Help two girlies out by giving the show a rating (only a good one pls) or sending this episode to a friend! 💖 WTF does that mean? A guide to all the jargony bits: FOMO – Buying because everyone else is. Dangerous energy. Safe Haven – The “world is scary” investment. Like gold. Commodity – A tradable raw thing (gold, silver, oil). On-paper gains – Profit that isn’t real until you sell. Central banks – The boss banks that control money + rates. Volatility – How rollercoaster-y the price is. Correction – A price drop after things got too hyped. IPO – When a company hits the stock market for the first time. Private company – A company you can’t buy shares in (yet). GLP-1s – Weight-loss meds like Ozempic (big economic ripple effects). Hormone-free – Works without messing with your hormones. Ownership – Building wealth by owning a slice of a business. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode... 00:01:13 Quick catch up 00:07:17 The Beckham Peltz Saga 00:18:20 The cost of being a woman 00:26:05 Why airlines are about to save million on fuel a year... 00:27:57 What's going on with gold and silver? 00:34:55 Other quick updates... 00:39:40 SpaceX and xAI merger 00:48:08 Wrap up 00:49:55 Thank you for listening! 00:50:33 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
February 4 · 30 min
[Uncut] The Cost of Loneliness.
Today’s episode is a little bonus drop: we’re releasing the unedited, uncut version of the cost of loneliness conversation that we shared a snippet of in Monday’s Curve Weekly, because honestly… it was too good (and too real) to leave on the cutting-room floor. Before we get into it, Soph gives you a quick sneak peek of Episode 1 of IOU (Some Money Education), our brand new money podcast + course launching next week, featuring Lucy Blakiston from Shit You Should Care About. Then we’re straight into the main event with Abi Foster: why loneliness isn’t just a sad-girl side quest but something businesses are quietly paying for in disengagement, burnout, and brain fog; how modern work (hello hybrid life) can make us feel weirdly isolated; and why you can feel lonely even when you’re surrounded by people. They get into the pressure women face around relationships, kids, careers, and the general state of the world, plus some genuinely helpful, very doable antidotes, like nurturing friendships, slowing down, and becoming the kind of person who tells strangers you’re amazing and means it. Want to be the first to know when IOU launches? Sign up to the newsletter here. (https://thecurveplatform.com/pages/sign-up-to-the-curve-weekly) Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Alone again 😫 00:00:33 IOU (Some Money Education) Episode 1 Preview... 00:02:13 The Cost of Lonliness (uncut) 00:29:22 Thank you for listening! Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
February 1 · 51 min
Silver’s Skyrocketing, Netflix Is Under Pressure, & Loneliness Is Costing $154 Billion.
Silver had been quietly minding its business… and then suddenly decided to go absolutely bananas… This week on The Curve Weekly, Soph’s joined by a very special guest filling in for Vic: chartered accountant + finance creator Abi Foster (https://www.instagram.com/abigailrosefoster/) (aka that finance girl with the hair), and together they’re breaking down what’s actually driving silver’s surge, why geopolitical chaos tends to send people stampeding toward “safe” assets, and how rising silver prices could make everyday things like AI tech and solar panels more expensive. Plus: Netflix is having a wobble (down ~40% 👀), but is it truly flopping, or just behaving like the world’s biggest startup while it tries to keep up with YouTube and the chaos of modern attention spans? And then, as all good finance chats do, we take a slightly-too-relatable detour into the loneliness epidemic (apparently costing US businesses $154 BILLION a year??), with a side of that Diary of a CEO episode discourse, friendship-as-therapy, and tiny habits that make life feel less like an emotional buffering screen. WTF does that mean? A guide to all the jargony bits: Commodities – Tradeable raw materials (gold, silver, oil). Safe Haven – Where money hides when the world feels chaotic. Bubble – Price goes way too high… then pops. Shares – Tiny slices of a company you can buy. Share Price – What one slice costs right now. Acquisition – When one company buys another. Ad Revenue – Money made from ads interrupting your show. TAM (Total Addressable Market) – The biggest possible audience a company could reach. Fiscal Drag – You pay more tax over time without feeling richer. Rude. Tax Threshold – The point where a higher tax rate kicks in. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode… 00:01:30 Guest alert: Abi Foster joins the pod! 00:05:29 Silver’s surging: what’s driving the hype? 00:16:36 Netflix is down… 00:29:21 The loneliness problem (and why it matters) 00:47:54 Final thoughts 00:50:51 Thanks for listening (see you next week!) 00:51:30 Thank you for listening! Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
January 28 · 6 min
A Quick Life Update: Money Stress, Starting Again, & A Sneak Peak of What's to Come...
Vic’s dealing with a family emergency, so today it’s a short solo update from Soph today, sharing an honest money moment she didn’t expect to be talking about - having to borrow from family after a run of unexpected costs, and why it matters more than we realise when we compare our financial “progress” to other people’s. You’ll also hear a first listen to IOU, our new monthly money-education podcast (plus a practical course) dropping mid-Feb, built to help you get the basics sorted without jargon or judgement. Want to be the first to know when IOU launches? Sign up to the newsletter here: (https://thecurveplatform.com/pages/sign-up-to-the-curve-weekly) We’ll be back on Monday with The Curve Weekly and a very special guest, Abi Foster (@abigailrosefoster) See you then!! Listen to the Eliza Filby ep here: https://youtu.be/PC3IfHIDB9o?si=jFUHJ_7XvCCiuepu Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
January 25 · 59 min
Billionaires Are Selling, Tennis Is Pushing Back & Elon Is Suing.
Before we get into the absolute avalanche of finance and investing news, Soph cracks open a margarita for moral support and the girls have a quick catch-up on nerves, public speaking and… boyfriends. Then it’s straight into the investing news: are billionaires selling shares actually a market crash warning, or just rich people doing rich people things? They break down Buffett’s cash pile, founder stock sales, and the ethics of investing in companies whose leaders are getting a bit too cosy with politics. Plus: the Australian Open pay dispute, China’s record trade surplus and what it could mean for global trade, and a quick check-in on luxury stocks. We also introduce our new “techspert” segment with Nat, explaining the tech behind major events and why AI research (especially China’s) is a bigger deal than most people realise. And to finish: Elon Musk suing OpenAI and Microsoft for $134B, and Soho House’s latest financial wobble. Watch our previous episode with Natalie Piucco: https://youtu.be/kQ3dKKSFbWI?si=mHObEuOvfYK6JlGc WTF does that mean? A guide to all the jargony bits: Founder Stock Sale – A founder cashing out some shares. Not necessarily drama. Market Crash – Shares drop hard, everyone screams. Trade Surplus – Country sells more than it buys. Trade Deficit – Country buys more than it sells. Tariffs – Extra tax on imports. Price goes up. Ethical Investing – Investing, but with a conscience. Revenue Share – Who gets what cut of the money. Prize Pool – Total winnings up for grabs. AI Research – The nerdy work that powers AI. Not-For-Profit – Made for the mission, not profit. For-Profit – Made to make money (and returns). Going Private – Company leaves the stock market spotlight. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode... 00:01:49 Boyfriend catch-up + margaritas 00:08:14 Billionaires selling: should we worry? 00:20:19 Australian Open pay dispute 00:28:31 Our BRAND NEW series: IOU 00:31:15 China’s record trade surplus 00:46:16 Techspert Nat: AI + event tech 00:50:20 Elon sues OpenAI 00:54:32 Soho House update 00:57:47 Wrapping up 00:58:24 Thank you for listening! 00:59:00 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
January 22 · 53 min
Navigating Mortgage Overwhelm.
Mortgage rate changes can bring new considerations for homeowners. In this episode, Vic shares her experience from 2023, when her mortgage rate nearly tripled, offering a real-world example many homeowners can relate to. In this episode, we break down what actually happened, why rate changes can feel challenging, and what history shows us about mortgage cycles so you’re better prepared for future changes. You’ll come away with five practical, actionable steps to take if you’re feeling mortgage stress right now, including how to assess your numbers, when to speak to your bank, where to find flexibility, and who can help you explore better options. This episode is designed to help you feel calmer, more informed, and more in control of your mortgage - even when interest rates are moving fast. We’re proud to be partnering with BNZ, who know that home ownership isn’t a straight line. Sometimes life throws curveballs, and BNZ is all about supporting you through the hard stuff, not just the highlights. Whether you’re planning ahead or needing a bit more support right now, BNZ’s home loan experts have the tools and people ready to help you find a way. To learn more, head here: https://www.bnz.co.nz/personal-banking/home-loans/mobile-mortgage-managers?utm_source=podcast&utm_medium=spotify&utm_campaign=thecurve&utm_content=ep9 BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode... 00:01:31 BNZ x The Curve 00:02:31 Vic’s mortgage story 00:28:04 A history of mortgage rates 00:42:22 Steps to take if you feel overwhelmed 00:51:51 Thank you BNZ! 00:53:26 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
January 14 · 40 min
How the Bank of Mum & Dad Is Shaping an Inheritocracy, with Dr Eliza Filby.
Money chats are awkward enough… but money you didn’t earn? That’s next-level uncomfortable. In this episode, Soph sits down with Dr Eliza Filby, author of Inheritocracy, to unpack the Bank of Mum & Dad and how it’s quietly reshaping everything from the housing market to our friendship groups. We dig into why “inheritocracy” makes people squirm, how Eliza defines it (starting with her own story), and the less obvious privileges that come with family support: free rent, childcare, career safety nets, and the ability to take risks without everything collapsing. We also talk about why you can’t always spot who has family money, what a financial backstop does to your choices, when help can become too much (strings, guilt, and guardrails), plus Eliza’s take on raising resilient kids, what Gen Alpha is up against, why entrepreneurship is the new rock’n’roll, and her best advice for building financial independence, whatever your starting line. Eliza’s book: Inheritocracy: It’s Time to Talk About the Bank of Mum and Dad (https://www.penguin.co.uk/books/476298/inheritocracy-by-filby-eliza/9780753561904) Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Investing Club⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Episode preview 00:00:56 Meet Dr Eliza Filby 00:01:35 Why “inheritocracy” makes everyone squirm 00:05:53 Eliza’s story + what “inheritocracy” actually means 00:12:05 The quiet perks: childcare, free rent, safety nets 00:15:00 You can’t always “tell” who has family money 00:17:51 The power of a financial backstop 00:23:19 When help becomes harmful: money, guilt, and guardrails 00:26:51 Parenting with privilege (and how to not spoil them) 00:29:09 Gen Alpha’s future: resilience in a chaotic world 00:30:44 Why entrepreneurship is the new rock star dream 00:34:18 Eliza’s advice for building financial independence 00:39:27 Thank you for listening to Raising The Curve! 00:39:52 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.