This week on The Curve Weekly, we are joined by writer, broadcaster, journalist and founder of Sex Talks, Emma Louise-Boynton. We dive into Belle Burton's ‘Strangers’, the memoir everyone has been talking about: a story about a husband who ups and leaves after 21 years of marriage with no warning, or explanation.

Soph and Emma unpack why Strangers at the crux of it is a story about financial abuse, and how important it is to not hand over your financial identity. They also get into the rise of long-term relationship ghosting and why now more than ever we need to be protecting ourselves financially - even if we are in love. They talk about why prenups are actually romantic, and create a list of questions every couple should be asking each other to get on the same page financially. 

Oh, and both hosts admit they're currently failing at practicing what they preach in their own relationships. A very honest conversation about why this stuff is so hard to do in practice, even when you know better.

Emma’s Links

Pleasure: https://geni.us/pleasureelboynton

Sex Talks: https://www.sextalks.co.uk/

Instagram: https://www.instagram.com/emmalouiseboynton

Substack: https://emmalouiseboynton.substack.com/about

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

Prenup An agreement made before marriage on who gets what if it ends.
De facto Legally recognized as a couple after living together for a set period, even if unmarried, with rights similar to marriage.
Trust fund Assets held and managed on someone's behalf, often paid out at a set time or event.
Pension gap The retirement shortfall women face from career breaks.

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

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…
• 00:01:27 Generate x The Curve
• 00:01:48 Introduction to Emma
• 00:09:49 In the red or the green?
• 00:14:40 Lessons from Strangers
• 00:31:50 Avoiding the finance talk with your partner
• 00:42:39 Generate x The Curve
• 00:43:18 Step 1: Know yourself and your financial situation
• 00:48:30 Step 2: Questions to get on the same page with your partner
• 00:54:13 It’s never too late to start
• 01:01:52 Thank you for listening!
• 01:03:02 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.

This week Sophie's joined by chartered accountant, author and finance creator Abi Foster (filling in for Vic) to unpack the UK's brand-new Buy Now, Pay Later regulations - why they've come in, what they actually mean for your credit score, and how one woman ended up $50k in debt using it. Plus: should you be divesting from the US stock market right now, SpaceX's IPO wobble and Elon losing his trillionaire status, the $110bn Warner Bros/Paramount merger 12 US states are trying to block, and a genuinely lovely bonus story about a Costco cashier who built a $1m retirement pot on minimum wage.

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/

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/)

Lily’s guide to ethical investing template:

https://pathfinder.kiwi/media/documents/Pathfinder_x_The_Curve_Mini_Ethical_Investment_Policy.pdf

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

FCA The UK's finance regulator, now policing BNPL.

Section 75 Your provider's on the hook if a purchase goes wrong.

Soft check A background check that doesn't dent your credit score.

Credit score The number lenders use to judge how risky you are.

Earnings season Weeks when public companies report results.

S&P 500 The top 500 US companies.

Magnificent Seven The 7 tech giants dominating the US market.

Divesting Selling investments to cut your exposure.

Emerging markets Fast-growing but riskier economies.

IPO A company's first share sale to the public.

Monopoly One player controls the market, no competition.

Credits:

Host: Sophie Hallwright

Guest: Abi Foster

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…
• 00:01:12 Pathfinder x The Curve
• 00:01:42 Abi's back on the pod!
• 00:03:53 Buy now, pay later: the rules just changed
• 00:17:43 Should we be divesting from the US?
• 00:29:53 Pathfinder x The Curve
• 00:31:05 The media merger nobody saw coming
• 00:36:34 Soph's bonus story
• 00:39:25 The Ethical Hotline
• 00:45:05 Thank you for listening!
• 00:46:13 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.

If you've ever felt behind on money, like everyone else somehow "gets it" and you missed the lesson, this episode is for you. Sophie sits down with finance creator Ciara Anne to break down, step by step, how she went from financially avoidant to having over £200,000 invested, without cutting out the things she enjoys: what compound growth actually means and why it's so hard to grasp at first, what dollar-cost averaging is and how Ciara adapted it into her own "curated" version (holding back a portion each month to invest more when the market dips), what an ETF actually is versus picking individual stocks, why a stocks and shares ISA is tax-free, what "risk appetite" really means, the idea of Coast FIRE and retirement as a financial state rather than an age, and why so many women were never taught any of this in the first place. Ciara is living proof that building wealth doesn't require depriving yourself, just consistency and the right foundations.

Ciara’s links

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

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

Want to know your Coast FIRE number? Ciara breaks it down here: Coast FIRE explained (https://www.instagram.com/p/DX2WR6-qOXH/)

Episodes mentioned in this podcast…

Economist Bronwyn Taylor explains why 'Girl Math' is a toxic trend. (https://youtu.be/VEKpsJlReb8?si=tbit37Bn767tMDUk)

Mia McGrath’s Frugal Chic Rules for Building Wealth. (https://youtu.be/nV74s4FoyUI?si=zVHVGU_9hvgrseM7)

Credits:

Host: Sophie Hallwright

Guest: Ciara McMahon

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
• 00:01:04 Who is Ciara?
• 00:02:16 Why women don’t talk about money
• 00:11:49 Ciara’s financial journey
• 00:23:04 A conversation with Ciara’s sister
• 00:32:53 Ciara’s investing strategy
• 00:43:13 Ciara’s fav ETFs
• 00:44:34 Jealousy within friendship groups
• 00:49:52 Thank you for listening!
• 00:50:19 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.

Today we tackle one of the most controversial money topics out there: should billionaires pay more tax? With a wealth tax vote coming to California and France debating the same fight, Vic and Soph go head to head - one wants a minimum personal income threshold for the ultra-rich, the other says the real fix is corporate tax and preventing this level of wealth concentration in the first place. We also dig into the gender gap behind who's actually getting taxed (only 14% of billionaires are women), then switch gears to break down Taylor Swift and Travis Kelce's reported $20 million wedding - the Madison Square Garden price tag, the donation to NYC, and the prenup drawn up by Taylor's dad. Plus Dua Lipa and Callum Turner's wedding, and why more couples (led by women) are finally normalising prenups.

PLEASE VOTE FOR US! The Curve has been nominated for best Education podcast at The British Podcast Awards 🏆 - if you've ever laughed, learned, or yelled at your phone during an episode, vote for us here: https://www.britishpodcastawards.com/voting Takes 10 seconds and would mean the world to us.

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: Victoria Harris & Sophie Hallwright

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 this episode
• 00:00:55 Generate x The Curve
• 00:01:13 Quick catch up
• 00:04:15 Vote for us in the British Podcast Awards!
• 00:05:51 Should billionaires be taxed?
• 00:22:51 Generate x The Curve
• 00:23:36 Taylor Swift & Travis Kelce's wedding
• 00:32:24 See you Friday!
• 00:34:57 Thanks for listening!
• 00:35:34 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.

New data shows 53% of engaged or married Americans under 45 now have a prenup, up from 34% just a few years ago - and women are the driving force behind the shift. Sophie and Vic unpack what's behind the surge, what the "default" marriage contract looks like if you never write your own, and the question lawyers say you need to answer before you book one: what's your actual worst-case scenario. Plus: New Zealand, Australia and the UK just made three different interest rate calls off the same oil shock, and Amazon's $25B bond raise came in softer than expected, a possible early signal of AI fatigue.

PSA! We've been nominated for a British Podcast Award! It takes 10 seconds to vote and would mean the world to us. Vote here: britishpodcastawards.com/voting

Want to get in touch with our recommended prenup experts? Email us at [email protected] (mailto:[email protected])

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:

• Prenup – The default contract you never signed, now with edits.
• De Facto – Married in the eyes of the law, minus the wedding.
• Bond – A very official "I'll pay you back, promise."
• Equity – Selling a slice of your company instead of your soul to debt.
• Interest Rates – The price tag on borrowed money.
• Fixed vs. Floating Mortgage – Locked-in rate vs. rollercoaster rate.
• Term Deposit – Your money, napping in the bank for interest.
• Stagflation – Prices up, economy down. No one wins.
• Diversification / Divest – Spread it around, or get it out.
  
  
  
  Credits:

Hosts: Victoria Harris & Sophie Hallwright

Editor: Kate Callaghan

Producer: 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 British Podcast Awards!
• 00:00:18 Coming up in this episode…
• 00:01:19 Pathfinder x The Curve
• 00:01:48 Welcome from the new office
• 00:06:30 The prenup boom
• 00:19:16 Vic’s exciting interest rates
• 00:25:53 Pathfinder x The Curve
• 00:26:36 Cracks in the AI bubble?
• 00:38:26 Thank you for listening!
• 00:40:14 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.

Sometimes budgeting can only get you so far. You can track every dollar, split your accounts perfectly, and still find there's nothing left over to invest in your future. That's when you need to shift your focus from saving what you have to earning more. Hannah Koumakis is back on the mic, and this time she's breaking down the side hustles that actually work, the ones that don't, and how to find the balance between hustling hard and burning out.

From extras work on Netflix shows to mystery shopping, pet sitting, and even being someone's human alarm clock (yes, really), Hannah shares the unconventional ways she earned money while studying full time. She's also honest about the side hustles that made her zero dollars, the importance of not stretching yourself too thin, and why every experience, even the weird ones, shapes who you become. If you've ever felt stuck because your income just isn't enough, this episode is for you.

Dimes Vintage: https://www.instagram.com/carpe_dimes/

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:

Host: Sophie Hallwright

Guest: Hannah Koumakis

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)

Chapters

• 00:00:00 Welcome to IOU (Some Money Education)!
• 00:00:16 Coming up in this episode…
• 00:01:03 BNZ x The Curve
• 00:01:30 Welcoming Hannah back for part 2
• 00:04:06 What happens when you dont have much left after you've budgeted
• 00:06:24 In the red or in the green?
• 00:12:22 Deciding what gets cut
• 00:16:11 The art of visualisation
• 00:20:03 Enter: side hustles
• 00:22:47 Disclaimer: you actually have to do it
• 00:27:21 Side hustle idea #1 Extras work
• 00:32:12 Side hustle idea #2 Mystery shopper
• 00:33:07 Side hustle idea #3 Events work
• 00:34:30 Side hustle idea #4 Supermarket sampling
• 00:35:03 Side hustle idea #5 Pet sitting
• 00:40:36 Side hustle idea #6 Babysitting
• 00:41:16 Side hustles that just aren’t worth it
• 00:43:16 Cash & burn
• 00:46:01 The importance of not overdoing it
• 00:49:15 Extra Credit
• 00:50:28 Thank you for joining us for IOU (Some Money Education)
• 00:51:01 Thank you BNZ!
• 00:51:26 Financial Disclaimer

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

First up, a Wimbledon winner takes home £3 million, but a player ranked 150th can't even afford their own lunch? Vic breaks down the brutal economics of tennis, how Centre Court tickets became high-return investments, and what happens when live sports suddenly become a massive lifestyle trend. Then, a historic $124 trillion is about to change hands, and 70% of it is going straight to women. We unpack why the traditional finance industry is completely unprepared for this shift, why the majority of widows fire their male advisors within a year, and the awkward conversations we need to start having with our parents.

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: Victoria Harris & 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…
• 00:01:03 Generate x The Curve
• 00:01:25 New episode schedule
• 00:05:32 Why Wimbledon tickets can be an investment
• 00:25:44 Generate x The Curve
• 00:26:21 The great wealth transfer
• 00:40:37 Thank you for listening!
• 00:42:36 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.

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.

Why haven't flight prices dropped even though oil prices have? Vic breaks down airline hedging and why we're stuck paying more for a while yet. Then, Nike just posted a $1 billion profit, sounds amazing, right? We dig into why the share price tells a very different story, and what it teaches us about reading past flashy headlines. Finally, a record-breaking $1 trillion has poured into ETFs in the first six months of the year alone. We unpack why the funds outperforming right now might not be the ones you'd expect, and why "diversified" doesn't always mean what you think it does.

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:

Hedging – Locking in a price now so you're not stung later.

Commodity – A raw material everyone needs, like oil or coffee.

Tariff – A tax on stuff coming into a country.

Market Cap – A company's total value based on its share price.

Large Cap vs Small Cap – Big, established companies vs smaller, riskier ones.

Dow Jones – Another stock market index, just older.

Emerging Markets – Countries with growing economies, like Brazil or India.

Share Price – What one share of a company costs.

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…
• 00:01:13 The Curve x Pathfinder
• 00:01:43 Quick catch up: dogs, Devon & moped man
• 00:06:26 Why flights aren't getting cheaper
• 00:17:26 Nike's billion dollar illusion
• 00:26:28 The Curve x Pathfinder
• 00:27:10 Are ETFs losing their charm?
• 00:41:01 See you on Wednesday!
• 00:42:15 Thank you for listening!
• 00:42:54 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 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)

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⁠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.