Over 50% of US couples go into debt paying for their wedding, and 1 in 3 regret how much they spent. So what's actually driving the cost up, and what do people wish they'd spent their money on instead? Sophie sits down with Margie Riddiford, co-founder of wedding platform Veil, to unpack the results of The Curve's own audience survey alongside global spending data from New Zealand, Australia, the UK, and the US. They get into the "wedding tax," and why spending money on preserving memories is the one investment that pays off every time. Also, don’t miss the unspoken reality of family financial contributions and the strings that can come attached. Whether you have your special day coming up or love being nosey about wedding mishaps, this episode has you covered.

Check out the Weddings Survey results here …

https://thecurveplatform.substack.com/p/the-true-cost-of-weddings

Margie’s links …

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

Massive thanks to our sponsors for this episode; VEIL Magazine and Milkbooks.

🕊️ VEIL is this gorgeous print mag all about real romance, ritual and modern matrimony - definitely worth a browse at https://www.veil-magazine.com/

📸 Milkbooks make photo albums you'll actually want to keep forever, not just shove in a drawer, check them out at https://www.milkbooks.com/

Credits:

Host: Sophie Hallwright

Guest: Margie Riddiford

Producer: Emily Rigby

Editor: Kate Callaghan

Social & Digital Manager: Lucy Munro

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

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

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

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

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

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

Chapters

• 00:00:00 Coming up in this episode …
• 00:01:03 An introduction to Margie & Veil
• 00:08:40 How did weddings get so expensive
• 00:13:36 The influence of social media
• 00:16:21 “The wedding tax”
• 00:19:20 Margie’s own wedding
• 00:23:03 What the community do and don’t value spending money on
• 00:38:55 Family contributions to weddings
• 00:41:45 The trade off between your wedding vs your future
• 00:46:09 Final thoughts
• 00:49:10 Thanks for listening!
• 00:49:38 Financial disclaimer

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

Congresswoman Alexandria Ocasio-Cortez is freezing her eggs and sharing every part of the process with her 6 million+ followers; the hormone injections, the bloating, the uncertainty, and it's got Soph and Emma asking what egg freezing actually costs. In this episode, we cover the real price of freezing your eggs (upfront costs plus the ongoing storage fees nobody mentions), why only 6% of women who freeze their eggs ever go on to use them, why 35-37 (not your 20s) is when most women can actually afford to do it, the booming $129 billion surrogacy industry sparked by the backlash to Cameron Diaz's third child, and why so many fertility decisions; whether to freeze eggs, use a surrogate, or have kids at all, come down to money rather than choice.

Content warning: this episode contains strong language and discusses fertility struggles and reproductive health candidly.

Read the full New York Times story on the global surrogacy industry in Ukraine, including how the war affected surrogate mothers: https://www.nytimes.com/2022/05/03/magazine/surrogates-ukraine.html

Catch our full conversation with Deirdre from Hertility on fertility testing here: https://www.youtube.com/watch?v=Kmi_ba-58nQ

Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve

Credits:

Hosts: Sophie Hallwright & Vic Harris

Producer: Emily Rigby

Editor: Kate Callaghan

Social & Digital Manager: Lucy Munro

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

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

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

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

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

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

Chapters

• 00:00:00 Coming up in this episode…
• 00:01:10 Generate x The Curve
• 00:01:29 Catching up: Edinburgh Fringe and financial confessions
• 00:06:57 AOC's public egg-freezing journey sparks a bigger question
• 00:12:37 The affordability of egg freezing
• 00:26:39 The real numbers
• 00:42:40 Generate x The Curve
• 00:43:18 Inside the booming surrogacy industry
• 01:00:00 The dating crisis, and why it changes everything
• 01:11:50 Thank you for listening!
• 01:12:30 Financial disclaimer

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

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

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

Sophie and Vic get into why Alix Earle might be one of the smartest businesswomen on the internet right now, quietly building her own VC firm off the back of her TikTok reach. They put her playbook up against Alex Cooper's, whose media company Unwell just hit a $500 million valuation, and break down who's actually building the bigger empire. Plus, El Niño is compounding the global warming effects we’re already witnessing, and it's about to hit your coffee and chocolate. But first, Spotify could soon be revealing your favourite artist is secretly AI … 

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

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

VC (venture capital) Money invested in early-stage companies with high growth potential.
Cap table The list of who owns what in a private company.
Valuation What a business is worth on paper, not what's in the bank.
Private equity Investment firms that buy stakes in more established companies.
Return on investment What you get back compared to what you put in.
Angel investing Early money from friends, family or individuals before VCs get involved.

Credits:

Hosts: Sophie Hallwright & Vic Harris

Producer: Emily Rigby

Editor: Kate Callaghan

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

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

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

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

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

Chapters

• 00:00:00 Coming up in today’s episode …
• 00:00:55 Pathfinder x The Curve
• 00:01:25 Vic has betrayed us
• 00:10:00 Spotify’s new AI badges
• 00:17:16 Alix Earle’s new VC firm
• 00:28:11 Alex Cooper’s media empire
• 00:34:00 Pathfinder x The Curve
• 00:35:01 El niño and Global warming
• 00:36:15 Community Question
• 00:50:35 Thanks for listening
• 00:51:45 Financial disclaimer

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

When you look at a big financial goal, it’s easy to get overwhelmed before you even start. You know you need a buffer for when life goes wrong, and you know you want to save for the things that actually bring you joy, but staring at a massive target number can make you want to give up entirely. That’s when you need to change how you map out your money. Financial literacy powerhouse Hannah Hart (formerly Koumakis) is back on the mic, and this time she’s breaking down how to conquer short-term savings goals, build an airtight emergency fund, and find the sweet spot between protecting your present and investing in your future. 

From the mindset shift of officially merging bank accounts after marriage to underestimating a home renovation budget, Hannah shares the exact strategies she uses to reverse-engineer her goals. Sophie and Hannah look at the numbers in granular detail, explaining how to split your accounts for "mini-goals" and why leaving too much cash on the sidelines can actually stall your long-term wealth. If you’ve ever felt stuck trying to balance the tension of saving for a holiday today versus growing your money for tomorrow, this episode is for you. 

Don’t forget our last IOU (Side Hustler episode): https://open.spotify.com/episode/5FDI0aPG5bzbriRooqXDWG?si=W4U4J7jVS_KxQ6bMQGda5A 

Hannah’s Links 

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

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

deartheseries.com 

dearcommunity.co.nz 

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

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

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

Credits:

Hosts: Sophie Hallwright

Producer: Emily Rigby

Editor: Kate Callaghan

Social & Digital Manager: Lucy Munro

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

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

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

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

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

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

Chapters

• 00:00:00 Coming up in this episode…
• 00:01:21 BNZ x The Curve
• 00:01:48 Catch-up with Hannah
• 00:04:59 In the red or the green?
• 00:08:58 The importance of emergency funds
• 00:17:34 Saving for short term goals
• 00:22:20 The 50/30/20 rule
• 00:28:16 Going over budget
• 00:31:20 Visualising your financial goals
• 00:35:51 Cash and Burn
• 00:42:25 Extra Credit
• 00:44:45 Thank you for listening!
• 00:44:59 BNZ x The Curve
• 00:45:22 Financial disclaimer

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

Soph and Emma spring off the back of Margot's Got Money Troubles to unpack what's actually going on with OnlyFans. They investigate who's really making money on the platform, how the business model works, and why the numbers are nowhere near as glamorous as the headlines suggest. They also get into the darker side of the industry: the rise of exploitative "managers" who take control of creators' earnings, and why that's happening right under the platform's nose. Plus, why OnlyFans is one of the most profitable businesses but it's almost impossible for it to go public. The real story isn't how much you can make on OnlyFans, it's who ends up keeping it.

Sign up to our Substack, we’ve got even more to say topic (https://thecurveplatform.substack.com/)

Check out our episode with OnlyFans creator Grace Wears Lace (https://youtu.be/e7dVWOEBl5Y?si=TKZSyUjpEQapV8Pe)

If you were intrigued by the ‘Revenge of the Simps’ article (https://www.thecut.com/article/cam-girls-webcam-pimp.html)

Just in case you wanted to read the peer-reviewed paper (https://link.springer.com/article/10.1007/s12119-025-10389-2)

Emma’s Links
Instagram (https://www.instagram.com/emmalouiseboynton)
Pleasure (https://geni.us/pleasureelboynton)
Sex Talks (https://www.sextalks.co.uk)
Substack: (https://emmalouiseboynton.substack.com/)

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

Operating profit What's left after running costs. Before tax takes its cut.
Valuation What a business is worth on paper. Not what's in the bank.
IPO When a private company sells shares to the public for the first time.
External capital Outside money brought in to help a business grow.
Payment processing risk The chance your bank partners get cold feet and pull out.
Revenue split The cut a platform or manager takes before you see a penny.
Dividends Profit paid out to owners instead of reinvested in the business.

Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve

Credits:

Hosts: Sophie Hallwright

Producer: Emily Rigby

Editor: Kate Callaghan

Social & Digital Manager: Lucy Munro

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

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

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

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

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

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

Chapters

• 00:00:00 Coming up in today’s episode …
• 00:01:04 Generate x The Curve
• 00:01:02 Weekly catch up
• 00:05:14 Margo’s got money troubles review
• 00:13:20 The non-sexual side to OnlyFans
• 00:19:50 How much can you actually earn?
• 00:34:04 Generate x The Curve
• 00:34:41 The dark side of OnlyFans
• 00:44:10 Behind the business model
• 00:59:10 Key takeaways
• 01:01:20 Thanks for listening
• 01:02:04 Financial Disclaimer

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

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

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

Vic is officially back in the studio after a month-long hibernation in New Zealand! Reunited with Soph, the dream team unpack how the cost of living crisis is rewiring the dating scene. Who should pay when the average date costs $189?  Alongside navigating the wild world of modern romance, the girls celebrate the official launch of The Curve Fund, break down whether Jeff Bezos selling $4 billion in Amazon stock is actually a massive red flag, discuss Reformation's iconic NYSE debut where fashion met finance, and take a quick look at SpaceX’s post-IPO reality check. Tune in for a punchy mix of finance, fashion, and real-talk on navigating love and money.

We are so proud to have created a fund that has been designed essentially by you - The Curve Community. To find out more visit https://thecurveinvestments.co.nz/

The botox episode: https://youtu.be/FPGWvf0ef9o?si=PxHB8N_Y8ToNsL6r

The botox Substack piece: https://substack.com/home/post/p-209764001

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

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

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Producer: Emily Rigby

Editor: Kate Callaghan

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

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

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

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

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

Chapters

• 00:00:00 Coming up in the episode…
• 00:01:13 Pathfinder x The Curve
• 00:01:38 Vic's back!
• 00:07:26 Jeff Bezos sells of Amazon stock
• 00:12:50 Reformation lists on the NYSE
• 00:24:13 Pathfinder x The Curve
• 00:24:58 Is money changing how we date?
• 00:38:56 SpaceX comes back down to earth
• 00:42:50 Community question
• 00:45:55 Thank you for listening!!
• 00:46:33 Financial disclaimer

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

Hannah Mayfield swapped a career in fashion for financial coaching, and now teaches thousands of people how to build real financial freedom, not just save for the sake of it. In this episode, she and Sophie talk about why there's no single "right" way to manage your money, and how to invest ethically without it becoming all-consuming. They also unpack the "singles tax," the invisible financial gap women face after having kids, and why the healthiest relationship with money might be a fluid one rather than a rigid, rule-bound one. If you've ever felt like money is something to survive rather than something that buys you options, this conversation might just change that.

Hannah’s links …

Website (https://www.whatiswealth.io/)

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

LinkedIn (https://www.instagram.com/hannahwhatiswealth/)

Credits:

Hosts: Sophie Hallwright

Editor: Kate Callaghan

Producer: Emily Rigby

Social & Digital Manager: Lucy Munro

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

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

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

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

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

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

Chapters

• 00:00:00 Coming up in this episode …
• 00:01:05 Hannah’s money journey
• 00:07:54 The UK property market
• 00:16:19 Analysing your attitude towards money
• 00:21:05 Demystifying ethical investing
• 00:29:26 Quickfire Questions
• 00:43:53 Thanks for listening
• 00:45:03 Financial disclaimer

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

This week, Sophie and Emma finally have the conversation they've been avoiding for months (maybe years): what beauty spending actually costs women over a lifetime, and whether skipping it is a luxury anyone can afford. They get very honest about what they've personally spent on Botox, filler and laser, then run the numbers on what that money could be worth if invested instead. Plus they unpack why workplace ageism means looking young isn't just about vanity, and whether the "transparency era" of plastic surgery is helping women or just normalising more of it. At some point it stops being about beauty and starts being about tradeoffs; this episode just puts numbers on them.

Sign up to our Substack, Soph's Botox confession is coming (https://thecurveplatform.substack.com/)

Denise Richards' facelift recovery in Allure, warning, it's pretty graphic (https://www.allure.com/story/denise-richards-facelift-before-and-after)

Emma’s Links

Pleasure: https://geni.us/pleasureelboynton
Sex Talks: https://www.sextalks.co.uk/
Instagram: / emmalouiseboynton (https://www.youtube.com/redirect?event=video_description&redir_token=QUM4Zm9rUkdXbE1pSV9FeUVqOTBqNEVXaUNkTXxBR3JiS2Fsa0k3aW1xSS1vTjlXajhSV2JKck82cjNlWmNwZDFjUTYyb2lrazZJeE9vMS1pV241eHpldzdhT09SVDZmeVRmcDVNd1h3S3YxZnJpOEhfUlhhSTc5X3RRNHFUVGU3&q=https%3A%2F%2Fwww.instagram.com%2Femmalouiseboynton&v=GF8IJCxAEgs)

Substack: https://emmalouiseboynton.substack.com

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

Compound interest Money making money, then that money making money too.
Opportunity cost What you gave up by spending it on your face instead.
ROI Return on investment, or "was it worth it" with a number attached.
Motherhood penalty The pay cut nobody signs up for but most mums get anyway.
Economic inactivity rate The percentage of people not working and not looking for it either.

Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve

Credits:

Hosts: Sophie Hallwright

Guest: Emma Louise-Boynton

Editor: Kate Callaghan

Producer: Emily Rigby

Social & Digital Manager: Lucy Munro

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

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

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

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

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

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

Chapters

• 00:00:00 Coming up in this episode …
• 00:01:20 The Curve x Generate
• 00:01:50 In the red or the green?
• 00:05:44 The pressure of beauty standards
• 00:18:22 How much Soph and Emma have spent
• 00:26:35 Is transparency helping us?
• 00:34:29 The financial cost of procedures
• 00:48:43 The Curve x Generate
• 00:49:29 The professional cost of staying natural
• 01:03:06 Thanks for listening!
• 01:05:01 Financial disclaimer

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

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

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

Would you take a guaranteed 50k or flip a coin for a shot at 1 million? A new YouGov poll reveals a huge gender gap in who's willing to take the risk, and Sophie and Abi discuss whether it's really about risk appetite, or just financial education. Then: why billionaires are buying up land in New Zealand, and how a Kiwi rocket company just spent $8 billion trying to take on Elon Musk. Plus, an AI model "hacked its way out" of a locked test environment (yes, it's as creepy as it sounds), why Apple just became the world's most valuable company while the rest of the Magnificent 7 wobble, and how Dior single-handedly propped up LVMH's entire luxury empire. And in this week's listener question, Abi breaks down the UK's triple lock pension, and why she thinks it's quietly unsustainable.

We are so proud to have created a fund that has been designed essentially by you - The Curve Community. To find out more visit https://thecurveinvestments.co.nz/

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

Abi’s Links

⁠The Money Manual Book⁠: https://www.penguin.co.uk/books/46857...
⁠Instagram⁠: https://www.instagram.com/abigailrosefoster/
⁠TikTok: https://www.tiktok.com/@abigailrosefoster
⁠YouTube: https://www.youtube.com/channel/UCmvbS2HZTs72pst13nBEmJw/videos

Substack: https://elent.substack.com/

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

Expected value - Maths' posh way of saying "just flip the coin."
Loss aversion - Why losing £20 hurts more than finding £20 feels good.
Golden visa - Buy a big enough house, get a passport thrown in.
Magnificent 7 - The 7 US tech giants worth more than whole countries.
Sandbox testing - Letting an AI loose in a locked playpen to see what it breaks.
Circular financing - Mates' companies paying each other and calling it growth.
Triple lock - The state pension's built-in "always go up" button.
Double lock - Triple lock's cheaper, less generous sibling.
State pension - The government's weekly hand-me-down, currently ~£241.
Workplace pension - The pot you and your employer actually build up.
Universal Credit - The state pension's cousin, minus the good PR.
Inflation eroding savings - Same money, shrinking spending power.

Credits:

Host: Sophie Hallwright

Guest: Abi Foster

Producer: Emily Rigby

Editor: Kate Callaghan

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

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

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

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

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

Chapters

• 00:00:00 Coming up in this episode…
• 00:01:14 Pathfinder x The Curve
• 00:01:43 It's official: The Curve Fund has launched!
• 00:03:35 In the red or green?
• 00:04:11 Would you flip a coin for 1 million?
• 00:12:34 Why billionaires are buying up New Zealand
• 00:21:54 Pathfinder x The Curve
• 00:22:35 The AI model that hacked its way out
• 00:29:14 How Dior single-handedly saved LVMH
• 00:34:42 Your question: is the triple lock pension sustainable?
• 00:41:50 Thanks for listening!
• 00:42:27 Financial disclaimer

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

The secret's finally out: The Curve Investments is FINALLY here.

If you've been with us since the dusty, windowless studio days, this is the moment we've been building towards since episode one. If you're new here, welcome, you've picked a big week to join. In this episode, we sit down to unpack the biggest announcement The Curve has ever made: why it's taken years (and a lot of behind-the-scenes tears) to get here, what it actually means to invest alongside us, and why Vic left a career in funds management only to walk straight back into it, this time, on her own terms.

Expect honesty about the hard bits plus all the detail on how the fund works, who it's for, and just how little you need to get started. This one's a big deal. Get comfy.

We are so proud to have created a fund that has been designed essentially by you - The Curve Community. To find out more visit https://thecurveinvestments.co.nz/

‘Why now is never the right time to invest.’ : https://youtu.be/mt6Q4-wRvIY?si=9ULFhcl4yjcrP424

Credits:

Hosts: Victoria Harris & 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 The announcement we've been sitting on
• 00:01:05 Fund vs fund manager: what's the difference?
• 00:07:53 Why Vic wanted a different route
• 00:13:12 Recording our very first episode
• 00:15:42 Raising capital + the investing club
• 00:25:09 How the fund actually works
• 00:35:05 Who can invest?
• 00:36:10 What the fund will invest in
• 00:39:16 Fund investing vs DIY investing
• 00:40:56 How Vic's feeling about it
• 00:49:06 Thank you for listening!
• 00:49:33 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.

The Curve Investments Limited is the Manager and Issuer of The Curve Fund. Product Disclosure Statements are available at thecurveinvestments.co.nz.

Family disputes over wills and inheritance have risen by almost 130% in the last decade. We break down exactly why; from rising dementia rates to blended families and second marriages, to house price booms leaving families with tax bills they can't afford, and share practical ways to protect your family from becoming one of these statistics.

Plus, is the Cartier Love bracelet the new Birkin? We look at whether it's actually a smart investment or just expensive peer pressure, and how the pre-owned Birkin market has returned 92% in a decade. And finally, the India exam scandal: how wealthy families have been paying $50,000 to buy medical exam papers in advance, and what it says about the widening wealth divide.

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

Luxfluencer — Influencer, but only handbags and jewellery.

Emerging market — Fast-growing economy, not quite superpower yet.

GDP — The scoreboard for how much a country produces.

Wealth tax — Tax on what you own, not what you earn. Still just talk.

Probate — The legal admin after someone dies.

Inheritance tax — The bill after death, with a tight deadline.

Expression of wishes form — The pension form you filled in once and forgot.

Power of attorney — Who legally decides for you if you can't.

Abi’s Links

⁠The Money Manual Book⁠: https://www.penguin.co.uk/books/46857...
⁠Instagram⁠: https://www.instagram.com/abigailrosefoster/
⁠TikTok: https://www.tiktok.com/@abigailrosefoster
⁠YouTube: https://www.youtube.com/channel/UCmvbS2HZTs72pst13nBEmJw/videos

Substack: https://elent.substack.com/

Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve

Credits:

Host: Sophie Hallwright

Guest: Abi Foster

Producer & Editor: Emily Rigby

Editor: Kate Callaghan

Social & Digital Manager: Lucy Munro

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

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

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

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

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

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

Chapters

• 00:00:00 Coming up in the episode
• 00:01:12 Generate x The Curve
• 00:01:30 Red or green week?
• 00:05:59 Is Cartier the new Birkin?
• 00:14:52 Generate x The Curve
• 00:15:54 The exam scandal rocking India
• 00:24:23 Why families are suing each other over wills
• 00:37:34 Thank you for listening
• 00:38:12 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.

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

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