This one is for anyone who has looked at the state of the world lately and thought: maybe I'll just wait until things settle down...

Vic and Soph recently spoke at The London Business School and someone in the crowd asked this question… “Given the state of the world - wars, oil, tariffs etc... do you really think it’s a good time to be investing?” And honestly? We know a lot of you are feeling the same way. In this episode we went through the five biggest market crashes of the last 30 years. What actually happened? How long it took to recover? And why when the world is chaotic (like right now), you should be ignoring your instincts when it comes to investing! Soph is joined by Fran (a returning fan-favourite guest). She is a chartered accountant and finance director - the two look at the biggest market crashes the stock market has ever seen, and how to stay the course when every instinct is telling you to not invest right now. Whether you're brand new to investing or deep in the markets and quietly panicking, this one's a reminder that boring, consistent, and long-term strategy always wins.

Watch the first episode with Fran here. (https://www.youtube.com/watch?v=dlyVoMAasjI&t=407s)

Fran’s links:

Tiktok (https://www.tiktok.com/@martha30s)

Instagram (https://www.instagram.com/martha.stewish/)

Substack (https://marthastewish.substack.com/)

YouTube (https://www.youtube.com/@martha.stewish)

Thanks so much to Generate for making this episode possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns!

If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: generatekiwisaver.co.nz/curve

Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. 

Credits:

Host: Sophie Hallwright

Guest: Martha Stewish

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline)

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3)

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

⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly)

Substack (https://thecurveplatform.substack.com/)

Chapters

• 00:00:00 Welcome back, Fran!
• 00:02:59 The question from London Business School that started it all
• 00:04:04 Getting your investing mindset right (and why your time horizon is everything)
• 00:12:06 30 years of the stock market, by the numbers
• 00:16:31 What does a "crash" actually mean?
• 00:17:38 The dot-com bubble
• 00:20:32 The Global Financial Crisis
• 00:27:58 The COVID crash
• 00:29:41 The Ukraine war & inflation
• 00:35:33 Liberation Day & the tariffs
• 00:36:34 The best thing you can do? Absolutely nothing.
• 00:41:52 Fran's pension: £48k in, £115k out
• 00:46:09 On FOMO and why it's your biggest investing enemy
• 00:53:47 Final thoughts
• 00:55:45 Thank you for listening!
• 00:56:12 Financial disclaimer

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

*Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

Argentina handed the US a list of 130,000 child support debtors and said: don't let them into the World Cup. Soph and Vic break down why this is so much bigger than football. They also get into 10 years of Brexit and what it's actually cost the average person in wages, housing, and political chaos. Plus, SpaceX has fallen 25% since it IPO'd and Vic didn't buy it. One day before trading, it received the lowest possible ESG rating, all because Elon Musk has almost full decision making control. And the community question this week: you've just got a pay rise. How much should actually go into investments?

How to negotiate a payrise with Meggie Palmer: https://open.spotify.com/episode/2wU2as6IcT2g1Q3b8gZsoF?si=7933f108bbe0421e

The Art of Asking for More (and Getting It), with Meggie Palmer: https://open.spotify.com/episode/4hEtjvU07tsIcXH16FX3GR?si=22a7b400665b4de4

Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/)

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Social & Digital Manager: Lucy Munro

Editor: Isabella Reeve

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3)

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

⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly)

Substack (https://thecurveplatform.substack.com/)

Chapters

• 00:00:00 Coming up in this episode…
• 00:01:18 Pathfinder x The Curve
• 00:01:44 The UK heatwave's billion-dollar economic impact
• 00:06:44 Brexit: 10 years on and the economic damage revealed
• 00:20:35 Pathfinder x The Curve
• 00:21:34 SpaceX IPO
• 00:30:48 Argentina's FIFA World Cup rule
• 00:36:18 Community question: What to do with a 40k pay rise
• 00:41:32 Thank you for listening!

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

Buying property with a partner is one of the biggest financial decisions you'll ever make, but most couples spend more time choosing the kitchen tiles than figuring out what happens if things go wrong. Holly Egerton is a property lawyer who has bought (and navigated the aftermath of) two properties with two different partners. She brings both the personal experience and the legal knowledge, and the combination makes for one of the most honest conversations we've had on this podcast.
This conversation is about what most couples never discuss: what happens to the house if the relationship ends, what a prenup actually is (and why you already have one whether you know it or not), and how property can quietly become the reason you stay in a relationship longer than you should. If you're buying with a partner, thinking about it, or just want to understand how to protect yourself financially, this one is worth your full attention.

Listen to part one with Holly here: https://open.spotify.com/episode/1IlXIaBpV5gidULo4GxB4l?si=9b0fe5b041164b91

Submit your anonymous property curveball story here: https://form.typeform.com/to/DQf0F07b

Want to get your own affairs in order? Holly at Succession NZ can help with everything from wills to trust formations. Use code THECURVE at checkout on Succession.nz for a special discount.

Holly’s links
Succession.nz
Instagram
TikTok

We’re proud to be partnering with BNZ, who know that home ownership isn’t a straight line. Sometimes life throws curveballs, and BNZ is all about supporting you through the hard stuff, not just the highlights. Whether you’re planning ahead or needing a bit more support right now, BNZ’s home loan experts have the tools and people ready to help you find a way.

👉 To learn more, head here.

BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply.

Credits:
Host: Sophie Hallwright
Guest: Holly Egerton
Producer & Editor: Emily Rigby
Social & Digital Manager: Lucy Munro
⁠⁠

Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline)
For more from The Curve:⁠⁠⁠⁠ (https://www.instagram.com/thecurveplatform/)
⁠⁠Website⁠⁠ (https://thecurveplatform.com/)
⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3)
⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3)⁠⁠⁠ (https://www.tiktok.com/@thecurveplatform)
⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly)
⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly)

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

El Niño is back, and it is already happening. Last time a weather event this strong hit, the global economy lost nearly $6 trillion. This time it is arriving on top of post-war inflation, elevated energy costs, and supply chains that are still finding their feet. We break down what El Niño actually is, why the timing is brutal, and where Vic sees a genuinely interesting long-term investing opportunity sitting inside all of it. Plus: the biggest IPO in history just landed, Elon Musk is officially a trillionaire, and the UK has finally banned social media for under-16s. We get into the financial side of that too, including which platform is going to feel it most.

💍 Getting married, been married, or just been to a lot of weddings? We want to hear from you, fill in our anonymous wedding cost survey here (https://form.typeform.com/to/TUGcMgSC).

Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/)

The views expressed by Pathfinder via the Ethical Hotline are of a general nature and are not specific to Pathfinder's product, to learn more about Pathfinder and what they do, please visit their website at www.pathfinder.kiwi

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Social & Digital Manager: Lucy Munro

Editor: Isabella Reeve

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3)

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

⁠Newsletter⁠⁠ (https://the-curve-rkwjhw.myklpages.com/l/RkcXTd)

Substack (https://thecurveplatform.substack.com/)

Chapters

• 00:00:00 Coming up in this episode…
• 00:01:30 Pathfinder x The Curve
• 00:07:22 Sneak Peak: Wedding Costs
• 00:09:04 SpaceX: The biggest IPO in history
• 00:18:14 The Tesla-SpaceX merger rumor
• 00:20:06 Middle East ceasefire and oil prices
• 00:21:57 UK bans social media for under 16s
• 00:28:02 Pathfinder x The Curve
• 00:29:04 El Niño is here and it's hitting your wallet
• 00:34:53 The investment opportunity in water infrastructure
• 00:38:36 Your community question answered
• 00:42:09 Exciting announcements and what's coming
• 00:42:55 Thank you for listening!
• 00:43:33 Financial Disclaimer

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

We've heard Sophie talk about money on this podcast hundreds of times. But this episode? This is different. For the first time, Emily (Podcast Producer) and Lucy (Social Media Manager) here at The Curve sat down with Soph to go deep, from stealing as a six-year-old, to blowing her dad's credit card after the Christchurch earthquake, to arriving in Italy with literally no money despite having 24k in investments. We also hear from Sophie's actual parents (yes, we went there), get the full story on her relationship with money inside a relationship, and land somewhere that honestly made us a little emotional. This one's for the long-time listeners and the brand new ones alike. We hope you love it!

The episode with Vic & Soph’s dads: https://youtu.be/xS75WsX9huo?si=iSl7Q0G_bs4lLbQh

Credits:

Hosts: Emily Rigby & Lucy Munro

Guest: Sophie Hallwright

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline)

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3)

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

⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly)

Substack (https://thecurveplatform.substack.com/)

Chapters

• 00:00:00 Episode preview…
• 00:01:05 Welcoming our guest, Sophie Hallwright
• 00:02:22 How The Curve went from a fictional idea to a real business
• 00:06:50 Sophie's relationship with money today
• 00:09:40 The first money memories Sophie has never shared before
• 00:15:39 Her message from Soph's dad
• 00:19:28 The Christchurch earthquake, a credit card, and a spiral
• 00:23:59 How competitive gymnastics shaped everything that came after
• 00:26:43 A message from Soph's mum
• 00:28:03 The Italy story: 24k in investments and no money for a bus ticket
• 00:32:01 The moment everything finally clicked
• 00:35:08 How she bought two investment properties
• 00:36:28 Sophie's latest acquisition… a boyfriend
• 00:42:11 What she'd tell her younger self
• 00:42:49 Where to from here
• 00:49:12 Thank you for listening!
• 00:49:39 Financial disclaimer

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

A Harvard study of 50,000 people across 25 countries has revealed something surprising about working mothers, and the data is hard to ignore. Soph and Vic unpack the findings, why they're still so relevant in 2025, and what it means for the way we think about work, family, and money. They also get into the lab-grown vs natural diamond debate (it's more divisive than you'd think), and break down the biggest IPO pipeline in history: SpaceX, Anthropic, and OpenAI are all going public within months of each other, adding a combined $3.6 trillion to the US stock market, and Vic gives her honest take on whether retail investors should pay attention or sit this one out.

💍 Getting married, been married, or just been to a lot of weddings? We want to hear from you, fill in our anonymous wedding cost survey here (https://form.typeform.com/to/TUGcMgSC).

Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/)

The views expressed by Pathfinder via the Ethical Hotline are of a general nature and are not specific to Pathfinder's product, to learn more about Pathfinder and what they do, please visit their website at www.pathfinder.kiwi

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

Valuation – What people agree a company is worth. Not always rational.

NASDAQ – A US stock exchange. Where the big tech companies live.

ASX – The Australian stock exchange.

Retail Investor – Everyday people investing their own money. Hi, that's you.

Capital – Money used to grow a business. When companies "raise capital," they need cash.

Motherhood Penalty – The hit women take to their career and earnings after having kids.

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Producer: Emily Rigby

Editor: Kate Callaghan

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3)

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

⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly)

Substack (https://thecurveplatform.substack.com/)

Chapters

• 00:00:00 Coming up in this episode…
• 00:01:29 Pathfinder x The Curve
• 00:01:55 The lab-grown vs natural diamond debate
• 00:08:46 What a Harvard study revealed about working mothers
• 00:18:21 Why Chemist Warehouse wants to buy Boots
• 00:32:31 Pathfinder x The Curve
• 00:33:14 OpenAI's IPO - hype or opportunity?
• 00:49:42 Your ethical hotline question answered
• 00:56:48 On Raising The Curve this week…
• 00:59:14 Thank you for listening!
• 00:59:52 Financial disclaimer

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

CONTENT WARNING This episode touches on fertility struggles and the emotional weight of balancing family planning with career ambitions. If this is a sensitive topic for you, please take care of yourself, it's okay to come back to this one when you're ready.

What if the tension between your career and your personal life isn't a you problem, it's a system problem? In this episode, Soph sits down with Dr. Ellen Joan Ford: leadership expert, solo mum, army veteran, and author of Work School Hours. They get into the big, messy, deeply personal question of how we're supposed to build careers we care about while also having a life, and why the way we currently work is making it nearly impossible.

From the motherhood penalty and egg freezing to output vs. hours and why your boss's 8:30am meeting might be ruining someone's morning, this one is full of honest conversation, real research, and genuinely actionable ideas. Whether you're a parent, thinking about becoming one, or just someone who's ever felt like work and life are constantly at war with each other, this episode is for you.

Ellen's free resources + book: ellenjoanford.com Use code TODAY00 at checkout to get the e-book for free!

Credits:

Host: Sophie Hallwright

Guest: Ellen Joan Ford

Editor: Lana Byrne

Producer: Emily Rigby

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline)

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3)

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

⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly)

Substack (https://thecurveplatform.substack.com/)

Chapters

• 00:00:00 Content Note
• 00:00:14 Leaving Yourself at the Door: Why "Being Professional" Got It Wrong
• 00:04:03 The Career vs. Family Dilemma Nobody Prepares You For
• 00:07:54 This Isn't a Personal Problem — It's a Collective One
• 00:11:12 Still Ambitious After Kids: Ellen's Story
• 00:13:11 The Three Uncomfortable Boxes Parents Get Pushed Into
• 00:16:42 What Egg Freezing Really Says About Your Company
• 00:21:02 The Motherhood Penalty, Explained
• 00:24:35 From the Army to Afghanistan to Changing How We Work
• 00:26:37 Why Investing in Your People Is Never a Waste of Time
• 00:33:12 Hours Don't Equal Output (And We Need to Stop Pretending They Do)
• 00:39:39 A Fairer Way to Think About Efficiency at Work
• 00:41:42 What #WorkSchoolHours Actually Means
• 00:47:55 Small Changes That Make a Big Difference
• 00:54:13 The One Thing That Will Make You Better at Work and Life
• 00:55:17 Where to Find Ellen
• 00:56:53 Thank you for listening to Raising The Curve!

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

Everyone's talking about Anthropic (the AI company behind Claude), and it’s plans to go public at a valuation of nearly a trillion dollars. But is this the dawn of a new era, or are we living through dot-com déjà vu? We break down what Anthropic's IPO actually means for everyday investors, why a company that's only just turning profitable could be worth that much, and whether we should all be very, very nervous. We also dig into Warren Buffett's successor making his first big moves at Berkshire Hathaway, including a $10 billion bet on Alphabet (Google) and what that signals about AI's staying power. Plus, Jay Shetty has just signed a $100 million deal with both Spotify and Netflix simultaneously, and Sophie reports back from South by Southwest London on what it means for the future of podcasting.

Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/)

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

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3)

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

⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly)

Substack (https://thecurveplatform.substack.com/)

Chapters

• 00:00:00 Coming up in this episode…
• 00:01:29 Pathfinder x The Curve
• 00:02:00 Did you see us on TV?!
• 00:03:56 The Trillion Dollar Anthropic IPO
• 00:26:26 Pathfinder x The Curve
• 00:27:19 Berkshire Hathaway’s making it rain!
• 00:36:47 Netflix & Spotify purchase a new podcast
• 00:43:56 This week on Raising The Curve...
• 00:45:37 Thank you for listening!
• 00:46:15 Financial Disclaimer

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

Hannah Koumakis (aka the internet’s favourite budgeting girl) is joining us for the next three episodes of IOU (Some Money Education), taking over from Lucy Blakiston, and she’s about to change the way you think about money. We start with Hannah’s story, from learning how to manage money at just seven years old to nannying for billionaire families in London - an experience that completely shifted her perspective on wealth, spending, and what actually matters. Then we get into the good stuff: her step-by-step method for splitting your money across multiple bank accounts so budgeting finally feels clear, organised, and actually doable. You’ll learn how to set up your own categories, understand where your money is really going, and give every dollar a job, without feeling restricted. If you’ve ever avoided your banking app or felt like budgeting just isn’t your thing, this episode might be the one that finally makes it click.

Hannah’s Links

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

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

deartheseries.com

dearcommunity.co.nz

Seven Content & Dear Brides (http://sevencontentstudio.com)

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

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

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Producer: Emily Rigby

Editor: Isabella Reeve

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠

⁠⁠Instagram⁠⁠⁠⁠⁠

⁠YouTube⁠⁠⁠⁠⁠

⁠TikTok⁠⁠⁠⁠⁠

⁠Newsletter⁠⁠

Chapters

• 00:00:00 Welcome to IOU (Some Money Education)!
• 00:00:28 Coming up in this episode…
• 00:01:13 BNZ x The Curve
• 00:01:39 Welcoming Hannah
• 00:06:20 Hannah’s Money Story
• 00:14:10 When Hannah’s relationship with money changed
• 00:19:03 How to Unpack Your Relationship with Money
• 00:20:19 In the Red or the Green?
• 00:22:02 Why Budgeting Actually Matters
• 00:23:09 Hannah’s 16 Accounts Explained
• 00:26:00 How to Put This into Practice
• 00:30:08 What to Do with Extra Money
• 00:31:44 What to Do When You’ve Hit Your Limit
• 00:32:54 Managing Money Without a Card for Every Account
• 00:33:52 Cash and Burn
• 00:36:57 Extra Credit
• 00:39:45 Wrapping Up
• 00:40:26 Thank you for joining us for IOU (Some Money Education)
• 00:40:59 Thank you BNZ!
• 00:41:23 Financial Disclaimer

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

Spotify's stock jumped 18% in one day and we're breaking down exactly why, plus what it means for artists, your playlist, and the music industry at large. We also get into why birth rates are falling globally and the one reason researchers are pointing to that nobody was expecting, Victoria's Secret's unlikely comeback (up 200% in a year and yes, there's a female CEO involved), and quick updates on the SpaceX IPO that could be the biggest in history, the Lululemon founder drama, and what's going on at BP. Oh, and we answer a listener question on capital gains tax that's probably simpler than you think!

Wondering whether an investment actually lines up with your values?
👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM

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

IPO — when a private company sells shares to the public for the first time

ETF — a basket of shares you buy as one thing instead of picking individual companies

Index — a list of top companies grouped together, like the NASDAQ 100

Ticker symbol — a short code that identifies a company on the stock market

Activist investor — someone who buys shares specifically to push for changes in a company

Capital gains tax — tax on the profit you make when you sell an investment

The glass cliff — when women or minorities are given leadership roles mainly during a crisis, when failure is most likely

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

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For more from The Curve:⁠⁠⁠⁠

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Substack (https://thecurveplatform.substack.com/)

Chapters

• 00:00:00 Coming up in this episode…
• 00:01:12 Pathfinder x The Curve
• 00:01:38 Quick catch up
• 00:05:42 A quick update on Space X IPO, Lululemon and BP
• 00:19:58 Spotify jumps 18% in one day
• 00:24:18 Pathfinder x The Curve
• 00:25:07 The new culprit of declining birthrates
• 00:36:10 VSXY
• 00:42:34 Community Question
• 00:45:08 Wrap Up

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

Most money advice tells you to spend less and save more. But what if the real answer is just spending better? This week Sophie sits down with Fran (aka Martha Stewish), chartered accountant and personal finance creator you're going to want to follow, to talk through one of the most practical frameworks we've covered on the show. We dig into how to figure out your authentic spending code: the personal values that should be driving every financial decision you make, and why ignoring them is probably why you feel stuck.

We also get into why deprivation always backfires, how she saves 35% of her salary without feeling restricted, and the simple habit shifts that actually move the needle, whatever you're earning. This one will make you look at your bank statement completely differently.

Fran’s links:

Tiktok (https://www.tiktok.com/@martha30s)

Instagram (https://www.instagram.com/martha.stewish/)

Substack (https://marthastewish.substack.com/)

YouTube (https://www.youtube.com/@martha.stewish)

Credits:

Host: Sophie Hallwright

Guest: Martha Stewish

Producer: Emily Rigby

Editor: Isabella Reeve

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠

⁠⁠Instagram⁠⁠⁠⁠⁠

⁠YouTube⁠⁠⁠⁠⁠

⁠TikTok⁠⁠⁠⁠⁠

⁠Newsletter⁠⁠

Chapters

• 00:00:00 Intro & Who is Fran (aka Martha)?
• 00:00:52 The Gap in Personal Finance Content
• 00:03:47 How Fran Thinks About Building Wealth
• 00:05:12 Growing Up With Frugal Fraser
• 00:06:24 What Is Your Authentic Spending Code?
• 00:08:49 Fran's Four Spending Pillars
• 00:12:44 Emotional Spending & Money Guilt
• 00:17:58 How Fran Balances Saving & Living
• 00:20:27 Blocking Out the Noise & The Rich Girl Wish List
• 00:27:34 Where Do You Start?
• 00:32:02 Quick Fire Questions
• 00:38:00 Thank You For Listening
• 00:38:24 Financial Disclaimer

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