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🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 Frances Cook knows a ridiculous amount about money, but in this episode, she proves that knowing the rules and living them perfectly are two very different things. We get into the real stuff: the money habits shaped by childhood, the scarcity mindset that lingers long after your bank balance changes, why financial independence matters so much in relationships, and how she actually manages her money behind the scenes. There’s talk of KiwiSaver revelations, index funds, business risks, “enough” numbers, and the fact that sometimes even the finance gurus are just out here winging it with a direct debit and a dream. If you’ve ever felt like you should be better with money by now, this is the reset: it’s not about perfection, it’s about direction. Frances’ Links Instagram (https://www.instagram.com/francescooknz/) Website (https://www.francescook.co.nz/) YouTube (https://www.youtube.com/@MakingCentsPod/videos) Spotify (https://open.spotify.com/show/2xL5BpCt2pKJDlPN0SgbCc) TikTok (https://www.tiktok.com/@francescooknz) Substack (https://substack.com/@francescooknz) Credits: Host: Sophie Hallwright Guest: Frances Cook Editor: Lana Byrne Producer: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Coming up in this episode…(00:00:56) Welcoming Frances(00:03:21) Frances’ money story(00:11:11) The moment pay rises stopped feeling enough(00:13:28) The KiwiSaver switch that changed everything(00:17:13) Why money mindset matters more than people think(00:20:00) How Frances thinks about splitting her money(00:24:32) How she manages money with her husband(00:32:16) Frances’ investing strategy explained(00:39:29) Why she avoids crypto(00:43:19) What “enough” looks like for Frances(00:50:51) The reality of building a business with her husband(00:54:28) Frances’ quick-fire money advice(00:55:13) Where to follow Frances(00:55:27) Thank you for listening(00:55:52) Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 This week, we kick things off with a 9am tequila shot for Lucy’s probation pass (completely normal workplace behaviour, obviously), before diving headfirst into the business of Coachella, where Justin Bieber’s payday, festival profits, and the money machine behind live music all get unpacked. We also get into the truly bizarre Allbirds plot twist as the struggling sneaker brand pivots into AI, plus what the rise in women-owned businesses says about work, wealth, and why more women are deciding to back themselves instead. WTF does that mean? A guide to all the jargony bits: Monopoly – One company dominates the market. Convertible Loan – A loan that can turn into shares. Share Price – Cost of one share. Market Cap – Total value of a company. Sell-Off – Lots of people selling shares fast. Scalping – Buying tickets to resell for more. Monetisation – How a business makes money. Equity – Ownership in a company. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Coming up in this episode…(00:00:56) A 9am tequila shot(00:07:29) Bieberchella and the business of Coachella(00:25:04) Allbirds’ wild pivot to AI(00:34:54) Why more women are backing themselves(00:43:20) A listener call-out (and our response)(00:52:09) Thank you for listening!(00:52:47) Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Soph is back with property guru, Peter West to break down the story behind her second investment property, and how she managed to buy it without putting down a brand-new deposit. In this episode, they walk through what actually happened after the first renovation: how the house was revalued, how equity can be released through refinancing, and how that money can be used to help fund the next property. They also unpack key concepts like gross yield, cash flow, and why buying well in the first place makes such a big difference to the outcome of a project. Along the way, Soph shares what surprised her most about going again so quickly, why the second renovation was a little more complicated than the first, and how the numbers ended up stacking up in the end. Peter also explains how they evaluate locations, what they look for in a property with renovation potential, and why buying in the right market at the right time can create opportunities to repeat the process again. If you’ve ever wondered how investors climb the property ladder, how equity actually works in practice, or what it takes to turn one property into two, this episode breaks down the process step by step. Interested in working with Peter? If you’d like to explore investing in property with Pete’s help, email us at [email protected] and our team will point you in the right direction. Watch the first episode with Peter West Watch part two of the conversation We’ve partnered with BNZ because buying a home isn’t the same for everyone. Their Home Loan Partners can help you understand your options, including the TotalMoney home loan – which lets you use money in connected BNZ TotalMoney transactional accounts (parents can even link their own TotalMoney accounts to their children’s loan) to offset your mortgage and help you get mortgage free faster, while still keeping your money accessible. Whether you’ve got extra help or you’re going it alone, BNZ’s team is there to guide you from search to settlement.   👉 To learn more, head here. Account opening and lending criteria (including minimum equity requirements), terms and fees apply. A low equity premium and an establishment fee of up to $150 may apply. BNZ standard and TotalMoney T&Cs apply to TotalMoney transaction accounts. Details of our fees can be found in our Personal account, service, and facility fees brochure. You can connect up to 50 TotalMoney transaction accounts to one group. Credits: Host: Sophie Hallwright Guest: Peter West Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Coming up in this episode…(00:02:59) BNZ x The Curve(00:03:55) Recap: The First Property(00:15:10) How Refinancing Works(00:22:10) Buying Again: The Second Property(00:28:26) The Pros and Cons of Property Two(00:38:20) The Numbers Explained(00:41:28) Could There Be a Third Property?(00:45:14) Real Stories from Pete’s Clients(00:48:46) Your Questions Answered(00:52:31) Final Thoughts(00:53:53) Thank you for listening to The Property Podcast!(00:55:31) Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 We start this episode with a public apology… and that’s all we’re saying on that for now. Once we’ve addressed the situation, Vic and Soph get into what’s actually moving markets this week: oil prices swinging wildly as ceasefire hopes creep in, why airline stocks are suddenly perking up, and the slightly chaotic world of prediction markets (aka: investing or betting… still unclear). They also break down why Universal Music is catching takeover attention (turns out owning Taylor Swift’s back catalogue is a pretty nice business), how weight loss pills could send the GLP-1 trend into overdrive (and boost a whole bunch of unexpected industries along the way), and why Elon Musk vs OpenAI is shaping up to be the courtroom drama no one asked for but everyone will watch…. strap on in! WTF does that mean? A guide to all the jargony bits: Stagflation – High prices + low growth. Economy = struggling. Prediction Markets – Betting (sorry… “investing”) on future outcomes. Insider Trading – Making money from secret info. Very illegal. Takeover – One company buying another. Big money moves. Shareholder – Someone who owns a piece of a company. Royalty Revenue – Earn money every time something’s used (like a song). Hedge Fund – High-risk investing aiming for big returns. Long / Short – Long = wins if it goes up. Short = wins if it goes down. GLP-1 Drugs – Weight loss drugs turned investing trend. Forward-Looking Markets – Markets move on future expectations, not now. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Coming up in this episode...(00:01:12) We Need to Apologise…(00:04:14) Watch us on YouTube!(00:06:01) War, Oil & What It Means for Markets(00:20:22) Why Universal Music Is in Play(00:33:05) The GLP-1 Boom Just Got Bigger(00:40:13) Musk vs OpenAI Begins(00:43:51) We’ve Decided the New Schedule!(00:45:05) Thanks for Listening!(00:45:43) Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 If you’ve ever thought “I should probably understand crypto… but I have no idea where to start”, this episode is for you.  Sophie sits down with Danielle Lukins, founder of Crush Circle (https://crushcircle.com/applynow?utm_source=Substack) and a trusted crypto educator and expert to break everything down in a way that actually makes sense, even if you’re a total beginner. They cover what crypto is (in plain English), the difference between Bitcoin and other coins like Ethereum, Solana and XRP, and why people are starting to see this as a serious investment. Danielle explains how crypto works, what blockchain actually means, and the real-life ways it could change things like banking, payments, and moving money globally (this part = slightly mind-blowing). They also get into how crypto goes up and down, why it moves in cycles, and why some people think now could be an interesting time to start learning (and potentially investing) while prices are lower. Plus: where to start, how to keep it simple, common beginner mistakes, and how to build confidence without going all in. Danielle’s Links Instagram (https://www.instagram.com/cryptocrushshow/) CrushCircle.com (https://crushcircle.com/applynow?utm_source=Substack) LinkedIn (https://www.linkedin.com/in/danielle-lukins-944137234/) YouTube (https://www.youtube.com/@CRYPTOCRUSHSHOW) Credits: Host: Sophie Hallwright Guest: Danielle Lukins Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Episode Introduction(00:02:49) Meet Danielle Lukins & Crush Circle(00:07:06) Crypto vs Bitcoin Explained(00:07:53) Danielle’s First Bitcoin Investment at 17(00:14:05) Why Crypto Is Male-Dominated(00:16:44) What Crypto Actually Is (and How It Works)(00:19:35) Understanding Different Cryptocurrencies(00:21:52) Borrowing Money Using Crypto(00:26:24) The Future of Crypto(00:30:39) How to Start Investing in Crypto(00:33:47) The Role of Bitcoin(00:35:26) Why Bitcoin Is So Volatile(00:39:32) Danielle’s Outlook on Bitcoin(00:48:18) How Danielle Buys and Sells Crypto(00:50:14) Where to Buy Crypto(00:51:51) Common Beginner Mistakes(00:53:24) Why Danielle Focuses on Education(00:54:33) How to Stay Up to Date(00:56:31) Thank You For Listening!(00:56:56) Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 Markets are back, headlines are chaotic, and somehow Donald Trump is still moving investor sentiment with a sentence and a spray tan. Vic and Sophie unpack what’s going on, one year after the tariffs shook everyone up, and why short-term market drama can make investing feel a bit too much like gambling. They also dig into the spectacular collapse of Allbirds, from sustainability darling to a 99% wipeout, and the very real lesson in “diworsification” when a brand strays too far from what made it work in the first place. Plus, the upcoming SpaceX IPO that could become one of the biggest companies in the world overnight, why fitness tracker brand Whoop is booming, what the wearable tech space says about where health investing is headed, and why the most boring investing strategy is still annoyingly one of the best. 🗳️ CAST YOUR VOTE (https://form.typeform.com/to/FRD3BIcS) on our new episode schedule and help us decide what works best for you: https://form.typeform.com/to/FRD3BIcS WTF does that mean? A guide to all the jargony bits: Tariffs – Tax on imports to make foreign goods pricier. Dead Cat Bounce – A fake recovery before markets drop again. GDP – Total value of a country’s economy. IPO Hype – The buzz (and chaos) when a company first goes public. Market Cap – What a company’s worth on the stock market. Diworsification – Expanding… but making things worse. Commodities – Raw stuff like gold, oil, wheat. Volatility – How wildly prices swing up and down. Forward-Looking Markets – Markets reacting to the future, not now. Wearables – Tech you wear that tracks your body. Diversification – Spreading your money to reduce risk. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Coming up in this episode...(00:01:34) We accidentally sound drunk…(00:03:43) Markets are back (but why?)(00:08:26) BP’s new CEO moment(00:13:09) 1 year since the tariffs!(00:26:25) Allbirds: rise and fall(00:38:12) Whoop and the IPO buzz(00:44:08) The SpaceX IPO is coming...(00:48:34) Your investing question answered(00:54:16) We need your help!(00:56:52) Thanks for listening(00:57:30) Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 What does “enough” actually look like when it comes to money and why is it so weirdly hard to answer? In this episode, Sophie sits down with Friends That Invest (https://friendsthatinvest.com/) founder Simran Kaur to talk about growing up with a scarcity mindset, how our childhood shapes the way we spend and save, and why having more money doesn’t magically fix your relationship with it. Simran also breaks down how she built a seven-figure portfolio before 30, what’s actually in it, and the simple formula she uses to figure out her “enough number. Expect an honest conversation about money shame, investing, identity, the financial habits we inherit from our parents, and practical advice that might finally help you put a number on what “enough” looks like. Sim’s links: friendsthatinvest.com Instagram (https://www.instagram.com/friendsthatinvest/) YouTube (https://www.youtube.com/@ms.simrankaur) Apple Podcasts (https://podcasts.apple.com/gb/podcast/friends-that-invest/id1529887342) Spotify (https://open.spotify.com/show/4jWkbLYqVv93FjLkAcvZ1y?si=e044232efa4c424b) Credits: Host: Sophie Hallwright Guest: Simran Kaur Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Episode preview(00:01:05) Meet Simran Kaur(00:02:46) From optometry to building a business(00:06:22) How Sim got into investing(00:09:45) The start of Friends That Invest(00:12:29) Understanding your relationship with money(00:14:56) Sim’s earliest money memory(00:17:43) Moving from India to New Zealand(00:21:26) How Sim’s money mindset changed(00:25:02) What being “rich” really means to Sim(00:28:12) Sim’s first investment(00:29:33) Inside Sim’s investment portfolio(00:33:49) Private investing, angel deals and property(00:34:50) What does “enough” actually look like?(00:38:46) How to figure out your own “enough” number(00:41:56) Sophie calculates her number(00:44:22) Thank you for listening!(00:00:00) Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

⁠🌟 WATCH THIS EPISODE ON YOUTUBE 🌟⁠ Vic and Soph are both back in London and straight into the chaos - because the markets are wobbling, oil prices are rising, and everyone’s asking the same question: should you be panicking? They break down what’s actually going on with inflation, why pulling your money out of the market might do more harm than good, and what’s really driving all this uncertainty. They also dive into a major social media lawsuit that could change the industry, unpack the rise (and risks) of private credit, and debate whether prediction markets are investing… or just gambling in a blazer. Plus, why your skincare obsession might secretly be an investing opportunity, and a listener question that shows just how switched on (and seriously impressive) this community is when it comes to building wealth. Check out the B416 campaign here. (https://b416.co.nz/) We’re thinking about rebranding The Curve Weekly, drop your ideas in the comments or DM us, we’d love your input!! 💭 WTF does that mean? A guide to all the jargony bits: Inflation – Prices go up, your money buys less. Interest Rates – What you earn on savings or pay on debt. Market Dip – Prices fall for a bit. Normal, even if it feels scary. Timing the Market – Trying to buy low, sell high perfectly. Good luck. Forward-Looking Market – Prices move on expectations, not current news. Private Credit – Loans from non-banks. Higher risk, higher return. Liquidity – How quickly you can get your money out. Defaulting – When a borrower can’t pay back a loan. Prediction Markets – Betting on outcomes dressed up as investing. Renewable Energy – Power from wind, solar, etc. Big future focus. Dollar Cost Averaging – Investing little and often. Return – What you make (or lose) on an investment. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Coming up in the episode...(00:01:12) We're back in London!(00:08:34) Oil, inflation and the market dip(00:22:43) The social media lawsuit everyone’s talking about(00:31:24) Why the beauty industry is booming(00:37:45) Private credit (and why people are worried)(00:47:35) A message on The Curve Hotline!(00:54:30) We need your help 👀(00:55:28) Thank you for listening to The Curve Weekly!(00:56:06) Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 What happens when you’ve spent years building wealth and property alongside a partner, and then find yourself needing to untangle those assets and start again? In this episode, Sophie sits down with BNZ’s Head of Home Lending, Sarah Falanitule, to talk about navigating shared finances when life takes an unexpected turn. They discuss the emotional side of separating assets, why making decisions sooner rather than later can help you regain financial control, and how leaning on your network can make the process far less overwhelming. The conversation also dives into practical property insights, from what first-home buyers often overlook (insurance, maintenance, and the real cost of home ownership) to what makes a strong investment property and the common pitfalls to watch for. Plus, Sarah shares how she’s rethinking her own wealth strategy, why she’s started diversifying into shares, and explains the concept of offset mortgages in a refreshingly simple way. And to wrap it all up, we end with a powerful poem that beautifully brings the episode full circle, reminding us that our financial choices are ultimately about how we choose to live our one wild and precious life. We’re proud to be partnering with BNZ, who know that home ownership isn’t a straight line. Sometimes life throws curveballs, and BNZ is all about supporting you through the hard stuff, not just the highlights. Whether you’re planning ahead or needing a bit more support right now, BNZ’s home loan experts have the tools and people ready to help you find a way. 👉 To learn more, head here. BNZ home loans are subject to our lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply. This podcast contains general information only – not financial or professional advice. Opinions expressed are those of the speakers and not necessarily BNZ. BNZ is not liable for any losses resulting from the content Credits: Host: Sophie Hallwright Guest: Sarah Falanitule Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Coming up in the episode...(00:03:01) BNZ x The Curve(00:04:03) Meet Sarah & what we’re diving into(00:05:20) The career moment that changed everything(00:09:16) Untangling property and assets with a partner(00:23:45) Rebuilding wealth on your own(00:26:21) Investing beyond property(00:42:00) Confidence knocks & rethinking your money strategy (plus Sarah’s mortgage setup)(00:46:31) First home vs investment property: what to know(00:48:06) Property mistakes Sarah wouldn’t make again(00:49:23) Tips for buying property right now(00:51:28) Setting yourself up for the life you actually want(00:54:09) A poem to bring it all together(00:56:45) Thank you for listening to The Property Podcast(00:58:19) Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 Sophie’s away this week, so Vic is joined by the brilliant India Leishman, and honestly, she’s making a very convincing case for a permanent seat at the mic. Together they tackle the very un-sexy reality of rising oil prices and what that could mean for flights, groceries, inflation, and basically the cost of existing, before getting into Gap’s unexpected comeback story, the Jo Malone name-drama that sounds too wild to be true, and why Unilever seems to be betting big on beauty and wellness over your pantry staples. There’s also a helpful breakdown of stagflation for anyone who’s heard the word and nodded politely, plus some solid career advice for getting into finance. A slightly chaotic, very informative catch-up on what’s moving markets right now, and what it might mean for you. WTF does that mean? A guide to all the jargony bits: Stagflation – Slow economy + rising prices. Not a fun combo. Central Bank – Sets interest rates. Runs the money system. Interest Rates – Cost of borrowing. Higher = more expensive. Inflation – Prices go up, your money goes less far. Reporting Season – When companies reveal their results. Revenue – Money a company makes before costs. Share Price – What one share in a company costs. Stock Market – Where shares are bought and sold. Diversification – Spreading your money across investments. Spin-off – A company splitting off part of its business. Non-compete – Stops you starting a similar business. Renewable Energy – Energy that won’t run out (like wind/solar). Credits: Hosts: Victoria Harris & India Leishman Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Welcome India!(00:03:56) Oil prices surge(00:20:41) Gap rebounds(00:27:14) Jo Malone vs Jo Malone(00:32:44) Unilever is side-eyeing its food business(00:39:36) Community Question(00:00:00) Thank you for listening to The Curve Weekly!(00:00:00) Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 Budgeting… stay with us 😅 This month on IOU (Some Money Education), Soph and Vic drag Lucy (lovingly) into the world of budgets, aka figuring out where your money goes before it disappears like your Apple charges. You’ll learn the simple “needs, wants, surplus” split, why planning ahead is basically a money superpower, and how having a clear setup can actually reduce money stress (even if you’re allergic to checking your bank account). Plus: we introduce our newest cast member, Reese Witherspoon the piggy bank, play “spending bingo,” and read out the most unhinged “non-negotiable” splurges: think $100 candles, Sims gaming PCs, and “I bought veneers for copywriting” - yes you read that right. If you’ve ever avoided budgeting because it felt restrictive or overwhelming, this is the episode that will change your mind. Check out IOU (The Practical Lessons) here: https://thecurveplatform.com/ We’re proud to be partnering with BNZ. There’s an art to starting something new, and like any art form, you need the right tools to make it work. Whether you’re flatting, saving to travel, or making a career move, BNZ has the tools to help you master your money from the get-go. Credits: Hosts: Victoria Harris & Sophie Hallwright Guest: Lucy Blakiston Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Welcome to IOU (Some Money Education)!(00:00:40) Coming up in this episode…(00:01:26) BNZ x The Curve(00:01:53) In the Red or Green?(00:03:26) Is property still a good investment?(00:09:11) How Lucy budgets(00:18:56) How to craft a budget: needs, wants, surplus(00:23:19) IOU an answer(00:30:57) Cash and Burn(00:36:12) Extra Credit(00:40:58) Thank you for joining us for IOU (Some Money Education)(00:41:20) Thank you BNZ!(00:41:50) 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.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 This week we  get stuck into the rise of prediction markets: the internet’s latest obsession where people are literally putting money on future events and calling it “forecasting.” So… clever investing tool or just gambling in a blazer? 👉 CLICK HERE TO VOTE IN OUR POLL! (https://form.typeform.com/to/fQQYthvs) They also unpack why oil prices are shooting up, what that means for petrol, flights, inflation and basically everything else we spend money on, plus a surprisingly fascinating chat about loneliness as an economic trend and why solo living, solo dining and solo travel are becoming big business. Want to co-host next week’s Curve Weekly with Vic? Apply via the Curve Hotline (https://thecurveplatform.com/pages/the-curve-hotline) and tell us why you’d be a great fit (and where you’re based). Interested in working with Pete? Email us at [email protected] and we’ll put you in touch! WTF does that mean? A guide to all the jargony bits: Prediction Markets – Platforms where people put money on whether future events will happen. Think betting… but on real-world outcomes. Commodities – Raw materials like oil, gold, or wheat that are traded globally. S&P 500 – An index tracking the 500 biggest companies in the US stock market. Analyst – Someone who studies economic data and companies to predict what might happen next. Insider Trading – Using secret, non-public information to make money in markets. Very illegal. ETF (Exchange Traded Fund) – A bundle of different investments you can buy in one go. Diversification – Spreading your money across different investments to reduce risk. Inflation – When prices go up and your money buys less. Renewable Energy – Energy from sources that don’t run out, like wind or solar. Defense Stocks – Companies that make military equipment or services governments buy. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) What’s coming up this week…(00:01:12) Want to co-host The Curve Weekly?(00:03:38) Prediction markets: investing or gambling?(00:22:32) Why oil prices are suddenly surging(00:34:14) The surprising economics of loneliness(00:40:37) Questions from the Curve Community(00:44:00) Thank you for listening!(00:44:38) 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.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 Tanya Taylor’s story is the kind that makes you want to immediately check your savings account and maybe your insurance policy too. She moved from rural Jamaica to the US at 16 with just $100, built an incredible career, grew a seven-figure investment portfolio, and did everything “right” financially, only for one devastating accident to turn her world upside down. In this episode, Tanya shares how budgeting, goal-setting, and long-term investing helped her build wealth from scratch, why emergency funds matter far more than most of us think, and what she learned after being forced to start again. It’s part money masterclass, part resilience lesson, and part gentle-but-firm reminder to stop treating your emergency fund like it’s there for cheeky little treats. And if this conversation gets you thinking about protecting your income too, we mentioned our insurance episode in the chat, you can listen to that here. (https://open.spotify.com/episode/5rBV0ZoDcNFjVaLhoQAjTk?si=fe362e2a5eaf4d55) Tanya’s links: Grow Your Wealth (https://growyourwealth10x.com/) Instagram (https://www.instagram.com/growyourwealth10x/) LinkedIn (https://www.linkedin.com/in/tanya-taylor-cpa-mba-growyourwealth) Credits: Host: Sophie Hallwright Guest: Tanya Taylor Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Introducing Tanya’s Story(00:02:24) Growing Up in Rural Jamaica(00:05:12) A New Perspective on Wealth(00:08:05) Moving to the US with $100(00:11:06) The Money Habits That Changed Everything(00:15:09) Milestones on the Path to Wealth(00:16:26) The Day Everything Changed(00:21:11) Emergency Funds and Preparing for the Unexpected(00:29:40) Teaching the Next Generation About Money(00:36:03) Thanks for Listening(00:36:28) 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, we get stuck right into a gloriously chaotic mix of finance news and media gossip, starting with the very juicy on-air fallout that may have blown up a $200 million radio deal. They also unpack what the latest conflict in the Middle East could mean for oil prices, inflation and the stock market, give the final update in the Warner Bros-Netflix-Paramount saga, and look at whether working from home could actually help solve the fertility crisis. Plus, Berkshire Hathaway drops its first annual update without Warren Buffett at the helm, Soph celebrates her Netflix gains like she’s the Wolf of Wall Street, and we round out with a brilliant community question on starting a business that reminds us that building wealth isn’t just about what you invest in, but what you’re brave enough to start. WTF does that mean? A guide to all the jargony bits: S&P 500 – The 500 biggest companies in the US stock market. Passive Investing – Investing in funds that track the market automatically. Conglomerate – A massive company that owns lots of different businesses. Share Price – The cost of buying one slice of a company. Shareholder – Someone who owns shares in a company. Cash Reserves – Money a company keeps ready to invest later. Long-Term Investing – Holding investments for years, not days. Core–Satellite Investing – Safe investments at the centre, riskier bets on the side. Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ 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.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 This episode is a bit of a hidden gem. It was recorded in New York last January and somehow ended up sitting quietly in the archives… until we recently rediscovered it and realised how good it was. Safe to say, we couldn’t keep it hidden any longer. In this conversation, Sophie sits down with Rachel Beider, founder of Press Modern Massage, (https://www.pressmodernmassage.com/) the business she built and scaled from the ground up, before going on to launch a second venture: The Canopy (https://www.thecanopynyc.com/), an indoor play space for babies and toddlers in New York. We talk about Rachel’s journey into becoming a massage therapist, the early days of building her business, the biggest challenges she faced as it grew, and the lessons she learned scaling in a competitive industry. The conversation also dives into leadership, including her approach to servant-style management, as well as the personal side of entrepreneurship: financial freedom, how she manages her personal finances, and how her priorities evolved as she moved from business owner to mother. Credits: Host: Sophie Hallwright Guest: Rachel Beider Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Coming up in this episode…(00:03:09) How Rachel became a massage therapist (and the unexpected path into business)(00:10:44) The key milestones in building her business(00:12:47) The biggest challenges she faced as a founder(00:19:08) What it took to scale to a million-dollar business(00:20:53) The leadership style that shaped her company culture(00:25:57) Advice for starting a business in a competitive industry(00:28:20) The upside of entrepreneurship and financial freedom(00:32:05) How Rachel approaches her personal finances(00:34:48) Navigating the shift from business owner to mother(00:37:16) Thank you for listening!(00:37:41) 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.