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In this episode of IOU (Some Money Education), we’re talking all about emergency funds - what they are, why they matter, and how much you might want to have set aside. Lucy, Soph and Vic unpack the role an emergency fund can play when life throws something unexpected your way, whether that’s a sudden medical bill, needing to leave a living situation quickly, or covering an essential expense without relying on debt. They also chat through where to keep your emergency fund, how to start building one, and why having that financial buffer can make you feel more in control. Along the way, there are also some memorable listener stories that show just how unpredictable “emergencies” can be.

Check out IOU (The Practical Lessons) here: https://thecurveplatform.com/

We’re proud to be partnering with BNZ. There’s an art to starting something new, and like any art form, you need the right tools to make it work. Whether you’re flatting, saving to travel, or making a career move, BNZ has the tools to help you master your money from the get-go.

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Guest: Lucy Blakiston

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

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⁠YouTube⁠⁠⁠⁠⁠

⁠TikTok⁠⁠⁠⁠⁠

⁠Newsletter⁠⁠

(00:00:00) Welcome to IOU (Some Money Education)!(00:00:40) Coming up in this episode…(00:01:42) BNZ x The Curve(00:02:09) In the Red or Green?(00:09:59) What is an emergency fund & how much do you need?(00:13:36) Where you should keep your emergency fund?(00:14:36) IOU an Answer(00:23:09) Cash & Burn(00:33:37) Extra Credit(00:37:59) Thank you for joining us for IOU (Some Money Education)(00:38:22) Thank you BNZ!(00:38:52) Financial Disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

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Claude Design just disrupted an entire industry, and markets reacted instantly. We break down what this AI launch actually means, why companies like Adobe and Figma took a hit, and where the opportunity could be for investors as money starts shifting fast. But first… The Curve has had a full rebrand (yes, we’re obsessed, yes we read every comment). Then we get into the oil situation that’s quietly escalating, prices doubling, supply uncertainty, and why this could tip the global economy toward a recession (and what that means for your portfolio). Next: Apple. Tim Cook is stepping down after 15 years, so what happens to one of the world’s most valuable companies now? Is this a risk moment for investors, or the start of a new growth phase? We also unpack why Primark is being spun off into its own company (and how that can unlock value for investors), before ending on Vic’s chaotic comedy night story… which proves not all risks are financial (but equally painful).

WTF does that mean? A guide to all the jargony bits:

Whipsaw Market – Prices going up and down fast. Chaotic energy.

Global Recession – When the whole world’s economy slows down. Not ideal.

Commodity – Raw stuff like oil or gold that gets traded globally.

Supply Chain – How things get made and delivered. When it breaks = delays + higher prices.

Share Price – The cost of owning a piece of a company.

Market Cap – Total value of a company. Big number = big company.

IPO – When a company hits the stock market for the first time.

Valuation – What a company is believed to be worth.

Spin-Off – When a company splits into two separate businesses.

Subsidy – Government help to lower costs (you pay for it later in taxes).

Recurring Revenue – Money a company earns on repeat (subscriptions etc). Investors = obsessed.

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

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⁠YouTube⁠⁠⁠⁠⁠

⁠TikTok⁠⁠⁠⁠⁠

⁠Newsletter⁠⁠

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

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Frances Cook knows a ridiculous amount about money, but in this episode, she proves that knowing the rules and living them perfectly are two very different things. We get into the real stuff: the money habits shaped by childhood, the scarcity mindset that lingers long after your bank balance changes, why financial independence matters so much in relationships, and how she actually manages her money behind the scenes. There’s talk of KiwiSaver revelations, index funds, business risks, “enough” numbers, and the fact that sometimes even the finance gurus are just out here winging it with a direct debit and a dream. If you’ve ever felt like you should be better with money by now, this is the reset: it’s not about perfection, it’s about direction.

Frances’ Links

Instagram (https://www.instagram.com/francescooknz/)

Website (https://www.francescook.co.nz/)

YouTube (https://www.youtube.com/@MakingCentsPod/videos)

Spotify (https://open.spotify.com/show/2xL5BpCt2pKJDlPN0SgbCc)

TikTok (https://www.tiktok.com/@francescooknz)

Substack (https://substack.com/@francescooknz)

Credits:

Host: Sophie Hallwright

Guest: Frances Cook

Editor: Lana Byrne

Producer: Emily Rigby

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠

⁠⁠Instagram⁠⁠⁠⁠⁠

⁠YouTube⁠⁠⁠⁠⁠

⁠TikTok⁠⁠⁠⁠⁠

⁠Newsletter⁠⁠

(00:00:00) Coming up in this episode…(00:00:56) Welcoming Frances(00:03:21) Frances’ money story(00:11:11) The moment pay rises stopped feeling enough(00:13:28) The KiwiSaver switch that changed everything(00:17:13) Why money mindset matters more than people think(00:20:00) How Frances thinks about splitting her money(00:24:32) How she manages money with her husband(00:32:16) Frances’ investing strategy explained(00:39:29) Why she avoids crypto(00:43:19) What “enough” looks like for Frances(00:50:51) The reality of building a business with her husband(00:54:28) Frances’ quick-fire money advice(00:55:13) Where to follow Frances(00:55:27) Thank you for listening(00:55:52) Financial disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

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This week, we kick things off with a 9am tequila shot for Lucy’s probation pass (completely normal workplace behaviour, obviously), before diving headfirst into the business of Coachella, where Justin Bieber’s payday, festival profits, and the money machine behind live music all get unpacked. We also get into the truly bizarre Allbirds plot twist as the struggling sneaker brand pivots into AI, plus what the rise in women-owned businesses says about work, wealth, and why more women are deciding to back themselves instead.

WTF does that mean? A guide to all the jargony bits:

Monopoly – One company dominates the market.

Convertible Loan – A loan that can turn into shares.

Share Price – Cost of one share.

Market Cap – Total value of a company.

Sell-Off – Lots of people selling shares fast.

Scalping – Buying tickets to resell for more.

Monetisation – How a business makes money.

Equity – Ownership in a company.

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

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⁠YouTube⁠⁠⁠⁠⁠

⁠TikTok⁠⁠⁠⁠⁠

⁠Newsletter⁠⁠

(00:00:00) Coming up in this episode…(00:00:56) A 9am tequila shot(00:07:29) Bieberchella and the business of Coachella(00:25:04) Allbirds’ wild pivot to AI(00:34:54) Why more women are backing themselves(00:43:20) A listener call-out (and our response)(00:52:09) Thank you for listening!(00:52:47) Financial Disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Soph is back with property guru, Peter West to break down the story behind her second investment property, and how she managed to buy it without putting down a brand-new deposit. In this episode, they walk through what actually happened after the first renovation: how the house was revalued, how equity can be released through refinancing, and how that money can be used to help fund the next property. They also unpack key concepts like gross yield, cash flow, and why buying well in the first place makes such a big difference to the outcome of a project. Along the way, Soph shares what surprised her most about going again so quickly, why the second renovation was a little more complicated than the first, and how the numbers ended up stacking up in the end. Peter also explains how they evaluate locations, what they look for in a property with renovation potential, and why buying in the right market at the right time can create opportunities to repeat the process again. If you’ve ever wondered how investors climb the property ladder, how equity actually works in practice, or what it takes to turn one property into two, this episode breaks down the process step by step.

Interested in working with Peter? If you’d like to explore investing in property with Pete’s help, email us at [email protected] and our team will point you in the right direction.

Watch the first episode with Peter West

Watch part two of the conversation

We’ve partnered with BNZ because buying a home isn’t the same for everyone. Their Home Loan Partners can help you understand your options, including the TotalMoney home loan – which lets you use money in connected BNZ TotalMoney transactional accounts (parents can even link their own TotalMoney accounts to their children’s loan) to offset your mortgage and help you get mortgage free faster, while still keeping your money accessible. Whether you’ve got extra help or you’re going it alone, BNZ’s team is there to guide you from search to settlement.

👉 To learn more, head here.

Account opening and lending criteria (including minimum equity requirements), terms and fees apply. A low equity premium and an establishment fee of up to $150 may apply. BNZ standard and TotalMoney T&Cs apply to TotalMoney transaction accounts. Details of our fees can be found in our Personal account, service, and facility fees brochure. You can connect up to 50 TotalMoney transaction accounts to one group.

Credits:

Host: Sophie Hallwright

Guest: Peter West

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

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⁠⁠Instagram⁠⁠⁠⁠⁠

⁠YouTube⁠⁠⁠⁠⁠

⁠TikTok⁠⁠⁠⁠⁠

⁠Newsletter⁠⁠

(00:00:00) Coming up in this episode…(00:02:59) BNZ x The Curve(00:03:55) Recap: The First Property(00:15:10) How Refinancing Works(00:22:10) Buying Again: The Second Property(00:28:26) The Pros and Cons of Property Two(00:38:20) The Numbers Explained(00:41:28) Could There Be a Third Property?(00:45:14) Real Stories from Pete’s Clients(00:48:46) Your Questions Answered(00:52:31) Final Thoughts(00:53:53) Thank you for listening to The Property Podcast!(00:55:31) Financial Disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

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We start this episode with a public apology… and that’s all we’re saying on that for now. Once we’ve addressed the situation, Vic and Soph get into what’s actually moving markets this week: oil prices swinging wildly as ceasefire hopes creep in, why airline stocks are suddenly perking up, and the slightly chaotic world of prediction markets (aka: investing or betting… still unclear). They also break down why Universal Music is catching takeover attention (turns out owning Taylor Swift’s back catalogue is a pretty nice business), how weight loss pills could send the GLP-1 trend into overdrive (and boost a whole bunch of unexpected industries along the way), and why Elon Musk vs OpenAI is shaping up to be the courtroom drama no one asked for but everyone will watch…. strap on in!

WTF does that mean? A guide to all the jargony bits:

Stagflation – High prices + low growth. Economy = struggling.

Prediction Markets – Betting (sorry… “investing”) on future outcomes.

Insider Trading – Making money from secret info. Very illegal.

Takeover – One company buying another. Big money moves.

Shareholder – Someone who owns a piece of a company.

Royalty Revenue – Earn money every time something’s used (like a song).

Hedge Fund – High-risk investing aiming for big returns.

Long / Short – Long = wins if it goes up. Short = wins if it goes down.

GLP-1 Drugs – Weight loss drugs turned investing trend.

Forward-Looking Markets – Markets move on future expectations, not now.

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

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⁠⁠Instagram⁠⁠⁠⁠⁠

⁠YouTube⁠⁠⁠⁠⁠

⁠TikTok⁠⁠⁠⁠⁠

⁠Newsletter⁠⁠

(00:00:00) Coming up in this episode...(00:01:12) We Need to Apologise…(00:04:14) Watch us on YouTube!(00:06:01) War, Oil & What It Means for Markets(00:20:22) Why Universal Music Is in Play(00:33:05) The GLP-1 Boom Just Got Bigger(00:40:13) Musk vs OpenAI Begins(00:43:51) We’ve Decided the New Schedule!(00:45:05) Thanks for Listening!(00:45:43) Financial Disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

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If you’ve ever thought “I should probably understand crypto… but I have no idea where to start”, this episode is for you. 

Sophie sits down with Danielle Lukins, founder of Crush Circle (https://crushcircle.com/applynow?utm_source=Substack) and a trusted crypto educator and expert to break everything down in a way that actually makes sense, even if you’re a total beginner.

They cover what crypto is (in plain English), the difference between Bitcoin and other coins like Ethereum, Solana and XRP, and why people are starting to see this as a serious investment. Danielle explains how crypto works, what blockchain actually means, and the real-life ways it could change things like banking, payments, and moving money globally (this part = slightly mind-blowing).

They also get into how crypto goes up and down, why it moves in cycles, and why some people think now could be an interesting time to start learning (and potentially investing) while prices are lower. Plus: where to start, how to keep it simple, common beginner mistakes, and how to build confidence without going all in.

Danielle’s Links

Instagram (https://www.instagram.com/cryptocrushshow/)

CrushCircle.com (https://crushcircle.com/applynow?utm_source=Substack)

LinkedIn (https://www.linkedin.com/in/danielle-lukins-944137234/)

YouTube (https://www.youtube.com/@CRYPTOCRUSHSHOW)

Credits:

Host: Sophie Hallwright

Guest: Danielle Lukins

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

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⁠⁠Instagram⁠⁠⁠⁠⁠

⁠YouTube⁠⁠⁠⁠⁠

⁠TikTok⁠⁠⁠⁠⁠

⁠Newsletter⁠⁠

(00:00:00) Episode Introduction(00:02:49) Meet Danielle Lukins & Crush Circle(00:07:06) Crypto vs Bitcoin Explained(00:07:53) Danielle’s First Bitcoin Investment at 17(00:14:05) Why Crypto Is Male-Dominated(00:16:44) What Crypto Actually Is (and How It Works)(00:19:35) Understanding Different Cryptocurrencies(00:21:52) Borrowing Money Using Crypto(00:26:24) The Future of Crypto(00:30:39) How to Start Investing in Crypto(00:33:47) The Role of Bitcoin(00:35:26) Why Bitcoin Is So Volatile(00:39:32) Danielle’s Outlook on Bitcoin(00:48:18) How Danielle Buys and Sells Crypto(00:50:14) Where to Buy Crypto(00:51:51) Common Beginner Mistakes(00:53:24) Why Danielle Focuses on Education(00:54:33) How to Stay Up to Date(00:56:31) Thank You For Listening!(00:56:56) Financial Disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

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Markets are back, headlines are chaotic, and somehow Donald Trump is still moving investor sentiment with a sentence and a spray tan. Vic and Sophie unpack what’s going on, one year after the tariffs shook everyone up, and why short-term market drama can make investing feel a bit too much like gambling. They also dig into the spectacular collapse of Allbirds, from sustainability darling to a 99% wipeout, and the very real lesson in “diworsification” when a brand strays too far from what made it work in the first place. Plus, the upcoming SpaceX IPO that could become one of the biggest companies in the world overnight, why fitness tracker brand Whoop is booming, what the wearable tech space says about where health investing is headed, and why the most boring investing strategy is still annoyingly one of the best.

🗳️ CAST YOUR VOTE (https://form.typeform.com/to/FRD3BIcS) on our new episode schedule and help us decide what works best for you: https://form.typeform.com/to/FRD3BIcS

WTF does that mean? A guide to all the jargony bits:

Tariffs – Tax on imports to make foreign goods pricier.

Dead Cat Bounce – A fake recovery before markets drop again.

GDP – Total value of a country’s economy.

IPO Hype – The buzz (and chaos) when a company first goes public.

Market Cap – What a company’s worth on the stock market.

Diworsification – Expanding… but making things worse.

Commodities – Raw stuff like gold, oil, wheat.

Volatility – How wildly prices swing up and down.

Forward-Looking Markets – Markets reacting to the future, not now.

Wearables – Tech you wear that tracks your body.

Diversification – Spreading your money to reduce risk.

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

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⁠⁠Instagram⁠⁠⁠⁠⁠

⁠YouTube⁠⁠⁠⁠⁠

⁠TikTok⁠⁠⁠⁠⁠

⁠Newsletter⁠⁠

(00:00:00) Coming up in this episode...(00:01:34) We accidentally sound drunk…(00:03:43) Markets are back (but why?)(00:08:26) BP’s new CEO moment(00:13:09) 1 year since the tariffs!(00:26:25) Allbirds: rise and fall(00:38:12) Whoop and the IPO buzz(00:44:08) The SpaceX IPO is coming...(00:48:34) Your investing question answered(00:54:16) We need your help!(00:56:52) Thanks for listening(00:57:30) Financial disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

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What does “enough” actually look like when it comes to money and why is it so weirdly hard to answer? In this episode, Sophie sits down with Friends That Invest (https://friendsthatinvest.com/) founder Simran Kaur to talk about growing up with a scarcity mindset, how our childhood shapes the way we spend and save, and why having more money doesn’t magically fix your relationship with it. Simran also breaks down how she built a seven-figure portfolio before 30, what’s actually in it, and the simple formula she uses to figure out her “enough number. Expect an honest conversation about money shame, investing, identity, the financial habits we inherit from our parents, and practical advice that might finally help you put a number on what “enough” looks like.

Sim’s links:

friendsthatinvest.com

Instagram (https://www.instagram.com/friendsthatinvest/)

YouTube (https://www.youtube.com/@ms.simrankaur)

Apple Podcasts (https://podcasts.apple.com/gb/podcast/friends-that-invest/id1529887342)

Spotify (https://open.spotify.com/show/4jWkbLYqVv93FjLkAcvZ1y?si=e044232efa4c424b)

Credits:

Host: Sophie Hallwright

Guest: Simran Kaur

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

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⁠YouTube⁠⁠⁠⁠⁠

⁠TikTok⁠⁠⁠⁠⁠

⁠Newsletter⁠⁠

(00:00:00) Episode preview(00:01:05) Meet Simran Kaur(00:02:46) From optometry to building a business(00:06:22) How Sim got into investing(00:09:45) The start of Friends That Invest(00:12:29) Understanding your relationship with money(00:14:56) Sim’s earliest money memory(00:17:43) Moving from India to New Zealand(00:21:26) How Sim’s money mindset changed(00:25:02) What being “rich” really means to Sim(00:28:12) Sim’s first investment(00:29:33) Inside Sim’s investment portfolio(00:33:49) Private investing, angel deals and property(00:34:50) What does “enough” actually look like?(00:38:46) How to figure out your own “enough” number(00:41:56) Sophie calculates her number(00:44:22) Thank you for listening!(00:00:00) Financial disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

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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

(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.

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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 Head of Home Lending, Sarah Falanitule, 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.

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

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⁠Newsletter⁠⁠

(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.