Hannah Hart started saving for a house at 10 and built her first property by 21. Buying the home she lives in now took four to five months, four auctions and a lot of tears. She joins Soph to talk through what really happens when you buy at auction: why one building report stopped her taking on $400,000 of work, what to do when someone else brings an auction forward, and the bidding move her husband made as the hammer was coming down. Plus the three foundational learnings she wants every first-home buyer to know before they start looking. 

We're proud to be partnering with BNZ, because no two journeys to home ownership are the same. BNZ's home loan experts are there to help you navigate the process with confidence – from search to signing. 

👉 To learn more, head here: http://bnz.co.nz/home-loan-partners-spotify-ep18  

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.  

In case you missed Hannah’s priceless budgeting advice on IOU …

https://open.spotify.com/episode/7flWRpTACIKVhaimc111dp  

https://open.spotify.com/episode/5FDI0aPG5bzbriRooqXDWG  

https://open.spotify.com/episode/2J07xaLGuXUAJcqUo4eZFU  

Hannah’s Links: 
https://www.instagram.com/hannahkoumakis/  

Credits:

Hosts: Sophie Hallwright & Vic Harris

Producer: 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:⁠⁠⁠⁠

⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en

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

Website: https://thecurveplatform.com/

The Curve Investments: https://thecurveinvestments.co.nz/

⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw

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

Chapters

• 00:00:00 Coming up in this episode …
• 00:00:25 BNZ x The Curve
• 00:00:39 Catch up
• 00:02:59 Hannah’s hustle to two properties
• 00:08:59 The importance of equity
• 00:13:58 What Hannah thought she knew
• 00:16:03 Building your property team
• 00:20:11 BNZ x The Curve
• 00:20:38 The dangers of auctions
• 00:26:11 Wtf is bringing an auction forward?
• 00:31:32 Don’t play the odds, play the man
• 00:41:34 The ethical dilemma
• 00:44:31 Foundations
• 00:45:51 BNZ x The Curve
• 00:46:36 Financial disclaimer

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

Soph and Emma Louise-Boynton get into the ASOS hack, where hackers messaged customers directly through the app after the company wouldn’t pay up. We talk about how these digital ransoms work, why so many businesses quietly hand over the money, and the flaw hiding under 70% of the internet that nearly went very wrong. Plus, the cybersecurity stocks and insurers doing well out of it all. Then we turn to Victoria’s Secret, from Kylie Jenner’s $50 million bra to how the brand clawed its way back after years of decline. Not financial advice.

Not sure how to incorporate AI into your business? Discover Out Source, our recommended AI automation partner … https://thecurve.out-sauce.ai/refer/out-sauce.

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 & Vic Harris

Producer: 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:⁠⁠⁠⁠

⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en

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

Website: https://thecurveplatform.com/

The Curve Investments: https://thecurveinvestments.co.nz/

⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw

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

Chapters

• 00:00:00 Coming up in this episode …
• 00:01:13 Generate x The Curve
• 00:01:28 Dream spending
• 00:03:47 What the ASOS hack means for cybersecurity?
• 00:29:18 Generate x The Curve
• 00:29:52 The rebirth of Victoria's Secret
• 00:49:39 Thanks 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.

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.

It’s reporting season, when listed companies hand in their report cards and share prices swing on the results. This week Soph and Vic dig into two of them. Netflix grew its profit by around 43%, yet its shares fell, so what were investors actually reacting to, and why is YouTube now the rival to watch? Then there’s a company you’ve probably bought from without realising: EssilorLuxottica, owner of Ray-Ban, Oakley and Sunglass Hut, whose shares just had their biggest one-day jump since 2008.

Don’t miss Vic’s money story! https://www.youtube.com/watch?v=pTWLHI9Vjig&t=74s

Still not sure about divesting? Read Pathfinder’s blog post … https://pathfinder.kiwi/insights/ethical-hotline-divesting/

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 

Thanks to Xero for supporting this episode. Get 90% off your first six months of Xero, the all-in-one accounting software for small businesses: https://referrals.xero.com/curve

Credits:

Hosts: Sophie Hallwright & Vic Harris

Producer: Kate Callaghan

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en

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

Website: https://thecurveplatform.com/

The Curve Investments: https://thecurveinvestments.co.nz/

⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw

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

Chapters

• 00:00:00 Coming up in today’s episode …
• 00:01:07 Pathfinder x The Curve
• 00:01:29 Netflix fails to impress investors
• 00:15:55 Pathfinder x The Curve
• 00:16:33 Xero x The Curve
• 00:17:42 The sunglasses gugernaught
• 00:29:54 Ethical Hotline
• 00:37:10 Thanks for listening!
• 00:37:31 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.

Part two of Meet the Founders. After Soph shared her money story, the requests for Vic's kept coming, so our Producer, Emily, and Digital & Social Manager, Lucy, sat her down for the full version.

Vic takes us from selling her sister's clothes on Trade Me as a kid to choosing a South America trip over a job offer at Goldman Sachs, then starting out answering phones at Milford Asset Management. She shares the employee share offer she nearly turned down and what it grew into, what she learned as one of the only women in the room, and how her salary went from $45k to over $400k.

Then it's on to The Curve. She talks about the friends who wouldn't stop telling her to start it, what raising money from investors was really like, her lowest point with money, and why she launched The Curve Investments. She also answers your community questions and gives her advice for anyone on the edge of a big decision.

Watch Soph’s money story if you haven’t already! https://youtu.be/6NrkbtrC_Qg?si=U4dTbKku2I3XUwF0

We're so proud to have created a fund shaped by you, The Curve community. To find out more, visit thecurveinvestments.co.nz.

The Curve Investments Limited is the issuer and manager of The Curve Fund. The Product Disclosure Statement is available at thecurveinvestments.co.nz/pages/the-legal-stuff. The Curve Investments Limited is part of The Curve group, and the hosts of this podcast have an interest in it. This is general information only, not financial advice. Investing involves risk and returns aren't guaranteed.

Credits:

Hosts: Victoria Harris, Emily Rigby, and Lucy Munro

Producer: Kate Callaghan

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:⁠⁠⁠⁠

⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en

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

Website: https://thecurveplatform.com/

The Curve Investments: https://thecurveinvestments.co.nz/

⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw

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

Chapters

• 00:00:00 Coming up in this epsiode ...
• 00:01:02 Intro
• 00:04:02 Vic's relationship with money growin up
• 00:09:05 Turning down Goldman Sachs
• 00:14:55 Working as a woman in finance
• 00:30:00 Building The Curve
• 00:37:30 Your questions
• 00:45:30 Final advice
• 00:48:59 Thanks for listening!
• 00:49:19 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.!

Bumble was once worth US$14 billion. Now it’s being bought for US$1.3 billion and taken private, and the app built on women going first will be run by two men. Soph and Emma get into what went wrong, what happens to your shares when a company leaves the stock market, and why LVMH shares are down around 40% while Uniqlo keeps breaking records. Plus, is a Chanel bag ever really an investment?

In case you missed our lab-grown vs natural diamonds episode … https://youtu.be/0qCN7Z1XFKM?si=KLlYJa-2hA5wu4Lt

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 & Emma-Louise Boynton

Producer: 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:⁠⁠⁠⁠

⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en

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

Website: https://thecurveplatform.com/

The Curve Investments: https://thecurveinvestments.co.nz/

⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw

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

Chapters

• 00:00:00 Coming up in this episode …
• 00:01:05 Generate x The Curve
• 00:01:22 Are we Karen’s now?
• 00:05:49 The Bumble Stumble
• 00:30:18 Generate x The Curve
• 00:30:54 Is Luxury dead?
• 00:47:52 Thanks for listening!
• 00:48:11 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 New Zealand with big news: The Curve Fund is now live on Sharesies. She explains why September is so often a rough month for markets, the best analogy you’ll hear all year for how AMD became a trillion-dollar company without making a single chip, and why the company everyone should be watching isn’t Nvidia. Plus, how Warner Bros.’ CEO walked away with US$606 million after losing his job, and why stock options are worth asking about next time you negotiate your pay.

Can’t get your head around bonds? https://youtu.be/BVhMzrp9jo0?si=IJF7VYP2PyZjwGGH

How to ride the peptide wave … https://youtu.be/cKoNDrtjp_U?si=fIOe6BzImsgkDSO7

We're so proud to have created a fund shaped by you, The Curve community. To find out more, visit thecurveinvestments.co.nz.

The Curve Investments Limited is the issuer and manager of The Curve Fund. The Product Disclosure Statement is available at thecurveinvestments.co.nz/pages/the-legal-stuff. The Curve Investments Limited is part of The Curve group, and the hosts of this podcast have an interest in it. This is general information only, not financial advice. Investing involves risk and returns aren't guaranteed.

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 

Credits:

Hosts: Sophie Hallwright & Vic Harris

Producer: Kate Callaghan

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en

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

Website: https://thecurveplatform.com/

The Curve Investments: https://thecurveinvestments.co.nz/

⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw

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

Chapters

• 00:00:00 Coming up in this episode …
• 00:00:45 Pathfinder x The Curve
• 00:01:10 Vic’s back in NZ
• 00:08:35 The Fund announcement you’ve been waiting for!!
• 00:11:31 How to understand fund results
• 00:14:59 What’s the fund investing in
• 00:24:24 Pathfinder x The Curve
• 00:24:58 The payout
• 00:36:15 Thanks for listening!
• 00:36:36 Financial disclaimer

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

Today we're talking lab grown versus natural diamonds, and by the end of it, neither of us landed exactly where we thought we would. Sophie sits down with Martha (@martha.stewish) to unpack where diamonds actually come from, why the cut matters more than the size, and how a 90-year-old marketing campaign convinced generations of women that a natural diamond equals real love.

We get into resale value, the celebrity engagement rings we assumed were natural, and why some of the richest people you know are quietly choosing lab grown.

Full community data in this week's Substack! https://thecurveplatform.substack.com/

This episode is proudly supported by Michael Hill. We've teamed up to give one of you a diamond tennis bracelet, details on Instagram! https://www.instagram.com/thecurveplatform/?hl=en

Credits:

Hosts: Sophie Hallwright & Victoria Harris

Producer: Kate Callaghan

Editor: Emilly 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:⁠⁠⁠⁠

⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en

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

Website: https://thecurveplatform.com/

The Curve Investments: https://thecurveinvestments.co.nz/

⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw

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

Chapters

• 00:00:00 Coming up in this episode …
• 00:00:50 Michael Hill x The Curve
• 00:01:49 Soph and Martha’s initial thoughts
• 00:04:08 The history of diamonds
• 00:07:00 How the sausage is made
• 00:10:15 What gives a diamond value
• 00:18:23 Who's behind it all?
• 00:21:50 How much should you spend on a ring?
• 00:33:09 Diamonds as an investment
• 00:39:06 Michael Hill x The Curve
• 00:39:59 Celebrity engagement rings
• 00:44:53 Engagement rings generally
• 01:00:00 Thanks for listening!
• 01:00:43 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.

Emma Louise Boynton is back, filling in for Vic. Sydney Sweeney’s “just sports” ad caused a stir, but the bigger story is that she’s an investor in Novig, the prediction market now reportedly worth $2 billion. Soph breaks down how prediction markets work and whether they’re anything more than sports betting. Then Emma brings the story of Sarah Creal, the Victoria Beckham Beauty co-founder who’s just launched a brand in the UK for women over 40, the generation with the most money to spend and the fewest products made for them.

Check out Emma’s book! https://geni.us/pleasureelboynton

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: Emma-Louise Boynton

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:⁠⁠⁠⁠

⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en

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

Website: https://thecurveplatform.com/

The Curve Investments: https://thecurveinvestments.co.nz/

⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw

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

Chapters

• 00:00:00 Coming up in this episode …
• 00:01:16 Generate x The Curve
• 00:01:30 Catch up
• 00:06:48 Sydney Sweeney is shaking up the prediction markets
• 00:24:13 Generate x The Curve
• 00:24:50 Discover this forgotten market
• 00:46:30 Thanks 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.

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.k

UK mortgage rates have hit 6% for the first time since Liz Truss’s mini-budget, yet the Bank of England hasn’t raised rates. So who’s pushing them up, and why does it matter even if you don’t own a home?

With Vic on her way home to New Zealand, our lead investor Nicole Bremner steps in alongside Soph to explain.

Then, the race to turn weight-loss jabs like Ozempic into a pill. It could more than double the number of people using them, and Nicole shares how to invest in a trend like this without having to pick the one winning drug.

Plus, a listener is losing money every month on a house she bought with her brother. Nicole has been in the same position with one of her own properties, and explains why so many of us hold on to bad investments for far too long.

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 

Credits:

Hosts: Sophie Hallwright & Vic Harris

Editor: Kate Callaghan

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en

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

Website: https://thecurveplatform.com/

The Curve Investments: https://thecurveinvestments.co.nz/

⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw

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

Chapters

• 00:00:00 Coming up in this episode …
• 00:00:56 Pathfinder x The Curve
• 00:01:22 In the red or the green?
• 00:04:47 What’s happening to mortgage rates?
• 00:14:09 Community Question
• 00:22:40 Pathfinder x The Curve
• 00:23:16 How to ride the peptide boom?
• 00:36:46 Thanks for listening!
• 00:39:06 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.

It’s time to talk about "looksmaxxing," the internet's term for optimising everything about your appearance, and why so many of us are quietly pouring hundreds (or thousands) of dollars every month into it. Soph is joined by Hanna Horvath, author of the money and culture Substack ‘Your Brain on Money’. Together they dig into why Love Island contestants are the extreme end of a spectrum we're all on and why the return on investment for looking good is way blurrier than we like to admit. We also get into the psychology of impulse beauty spending and how to actually start pulling yourself off the hot girl hamster wheel.

Hanna’s links …

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

Instagram (https://www.instagram.com/yourbrain_onmoney/?hl=en)

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

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 …
• 00:01:02 Are we low-key Love Island contestants?
• 00:10:10 Hot girl hamster wheel
• 00:14:07 What's the ROI on tweakments?
• 00:23:04 Where did “looksmaxxing” come from
• 00:27:57 How to opt out
• 00:49:16 Thanks for watching
• 00:49:46 Financial disclaimer

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

First up, Oura was about to go public. It was looking to raise $2.2 billion at a valuation of more than $15 billion, then pulled out at the last minute. We break down what an IPO actually is and why companies wait for a sunny market before they list. Plus, why Oura's subscription model could make it one to watch when it finally does go public.

Then, Meta's new AI agent Muse can book, buy, and email on your behalf. We reveal how the Curve community is using AI, from budgeting to building apps. But with new MIT research finding ChatGPT users' brains were 55% less active, what are we losing when we outsource our thinking? We get into why your brain needs friction and how to use AI without losing your edge. Plus, Soph shares how The Curve uses AI to run a tiny team with a huge output.

Not sure how to incorporate AI into your business? Discover Out Source, our recommended AI automation partner https://thecurve.out-sauce.ai/refer/out-sauce

Look out for The Curve audience AI survey results on our Substack https://thecurveplatform.substack.com/

Emma's article rec: David Robinson's essay in The Atlantic on why he resigned from OpenAI's safety team https://www.theatlantic.com/technology/2026/10/openai-safety-team-resignation/688881/

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 & Vic Harris

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:⁠⁠⁠⁠

⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en

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

Website: https://thecurveplatform.com/

The Curve Investments: https://thecurveinvestments.co.nz/

⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw

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

Chapters

• 00:00:00 Coming up in today’s episode
• 00:00:54 Generate x The Curve
• 00:01:12 Where’s Soph in the world?
• 00:07:34 Oura’s IPO back step
• 00:28:30 Generate x The Curve
• 00:29:03 What Meta’s new drop means for AI
• 00:57:10 Thanks for listening!
• 00:57:47 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.

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*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.