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🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 Today’s episode is a little bonus drop: we’re releasing the unedited, uncut version of the cost of loneliness conversation that we shared a snippet of in Monday’s Curve Weekly, because honestly… it was too good (and too real) to leave on the cutting-room floor. Before we get into it, Soph gives you a quick sneak peek of Episode 1 of IOU (Some Money Education), our brand new money podcast + course launching next week, featuring Lucy Blakiston from Shit You Should Care About. Then we’re straight into the main event with Abi Foster: why loneliness isn’t just a sad-girl side quest but something businesses are quietly paying for in disengagement, burnout, and brain fog; how modern work (hello hybrid life) can make us feel weirdly isolated; and why you can feel lonely even when you’re surrounded by people. They get into the pressure women face around relationships, kids, careers, and the general state of the world, plus some genuinely helpful, very doable antidotes, like nurturing friendships, slowing down, and becoming the kind of person who tells strangers you’re amazing and means it. Want to be the first to know when IOU launches? Sign up to the newsletter here. (https://thecurveplatform.com/pages/sign-up-to-the-curve-weekly) 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) Alone again 😫(00:00:33) IOU (Some Money Education) Episode 1 Preview...(00:02:13) The Cost of Lonliness (uncut)(00:29:22) 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.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 Silver had been quietly minding its business… and then suddenly decided to go absolutely bananas… This week on The Curve Weekly, Soph’s joined by a very special guest filling in for Vic: chartered accountant + finance creator  Abi Foster (https://www.instagram.com/abigailrosefoster/) (aka that finance girl with the hair), and together they’re breaking down what’s actually driving silver’s surge, why geopolitical chaos tends to send people stampeding toward “safe” assets, and how rising silver prices could make everyday things like AI tech and solar panels more expensive. Plus: Netflix is having a wobble (down ~40% 👀), but is it truly flopping, or just behaving like the world’s biggest startup while it tries to keep up with YouTube and the chaos of modern attention spans? And then, as all good finance chats do, we take a slightly-too-relatable detour into the loneliness epidemic (apparently costing US businesses $154 BILLION a year??), with a side of that Diary of a CEO episode discourse, friendship-as-therapy, and tiny habits that make life feel less like an emotional buffering screen. Abi's links: The Money Manual Book Instagram TikTok YouTube WTF does that mean? A guide to all the jargony bits: Commodities – Tradeable raw materials (gold, silver, oil). Safe Haven – Where money hides when the world feels chaotic. Bubble – Price goes way too high… then pops. Shares – Tiny slices of a company you can buy. Share Price – What one slice costs right now. Acquisition – When one company buys another. Ad Revenue – Money made from ads interrupting your show. TAM (Total Addressable Market) – The biggest possible audience a company could reach. Fiscal Drag – You pay more tax over time without feeling richer. Rude. Tax Threshold – The point where a higher tax rate kicks in. 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…(00:01:30) Guest alert: Abi Foster joins the pod!(00:05:29) Silver’s surging: what’s driving the hype?(00:16:36) Netflix is down…(00:29:21) The $154B loneliness problem (and why it matters)(00:47:54) Final thoughts(00:50:51) Thanks for listening (see you next week!)(00:51:30) 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.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 Vic’s dealing with a family emergency, so today it’s a short solo update from Soph today, sharing an honest money moment she didn’t expect to be talking about - having to borrow from family after a run of unexpected costs, and why it matters more than we realise when we compare our financial “progress” to other people’s. You’ll also hear a first listen to IOU, our new monthly money-education podcast (plus a practical course) dropping mid-Feb, built to help you get the basics sorted without jargon or judgement. Want to be the first to know when IOU launches? Sign up to the newsletter here: (https://thecurveplatform.com/pages/sign-up-to-the-curve-weekly) We’ll be back on Monday with The Curve Weekly and a very special guest, Abi Foster (@abigailrosefoster) See you then!! Listen to the Eliza Filby ep here: https://youtu.be/PC3IfHIDB9o?si=jFUHJ_7XvCCiuepu 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 🌟 Before we get into the absolute avalanche of finance and investing news, Soph cracks open a margarita for moral support and the girls have a quick catch-up on nerves, public speaking and… boyfriends. Then it’s straight into the investing news: are billionaires selling shares actually a market crash warning, or just rich people doing rich people things? They break down Buffett’s cash pile, founder stock sales, and the ethics of investing in companies whose leaders are getting a bit too cosy with politics. Plus: the Australian Open pay dispute, China’s record trade surplus and what it could mean for global trade, and a quick check-in on luxury stocks. We also introduce our new “techspert” segment with Nat, explaining the tech behind major events and why AI research (especially China’s) is a bigger deal than most people realise. And to finish: Elon Musk suing OpenAI and Microsoft for $134B, and Soho House’s latest financial wobble. Watch our previous episode with Natalie Piucco: https://youtu.be/kQ3dKKSFbWI?si=mHObEuOvfYK6JlGc WTF does that mean? A guide to all the jargony bits: Founder Stock Sale – A founder cashing out some shares. Not necessarily drama.Market Crash – Shares drop hard, everyone screams.Trade Surplus – Country sells more than it buys.Trade Deficit – Country buys more than it sells.Tariffs – Extra tax on imports. Price goes up.Ethical Investing – Investing, but with a conscience.Revenue Share – Who gets what cut of the money.Prize Pool – Total winnings up for grabs.AI Research – The nerdy work that powers AI.Not-For-Profit – Made for the mission, not profit.For-Profit – Made to make money (and returns).Going Private – Company leaves the stock market spotlight. 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...(00:01:49) Boyfriend catch-up + margaritas(00:08:14) Billionaires selling: should we worry?(00:20:19) Australian Open pay dispute(00:28:31) Our BRAND NEW series: IOU(00:31:15) China’s record trade surplus(00:46:16) Techspert Nat: AI + event tech(00:50:20) Elon sues OpenAI(00:54:32) Soho House update(00:57:47) Wrapping up(00:58:24) Thank you for listening!(00:59:00) 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 🌟 Mortgage rate changes can bring new considerations for homeowners. In this episode, Vic shares her experience from 2023, when her mortgage rate nearly tripled, offering a real-world example many homeowners can relate to. In this episode, we break down what actually happened, why rate changes can feel challenging, and what history shows us about mortgage cycles so you’re better prepared for future changes. You’ll come away with five practical, actionable steps to take if you’re feeling mortgage stress right now, including how to assess your numbers, when to speak to your bank, where to find flexibility, and who can help you explore better options. This episode is designed to help you feel calmer, more informed, and more in control of your mortgage - even when interest rates are moving fast. 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: 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...(00:01:31) BNZ x The Curve(00:02:31) Vic’s mortgage story(00:28:04) A history of mortgage rates(00:42:22) Steps to take if you feel overwhelmed(00:51:51) Thank you BNZ!(00:53:26) 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.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 Money chats are awkward enough… but money you didn’t earn? That’s next-level uncomfortable. In this episode, Soph sits down with Dr Eliza Filby, author of Inheritocracy, to unpack the Bank of Mum & Dad and how it’s quietly reshaping everything from the housing market to our friendship groups. We dig into why “inheritocracy” makes people squirm, how Eliza defines it (starting with her own story), and the less obvious privileges that come with family support: free rent, childcare, career safety nets, and the ability to take risks without everything collapsing. We also talk about why you can’t always spot who has family money, what a financial backstop does to your choices, when help can become too much (strings, guilt, and guardrails), plus Eliza’s take on raising resilient kids, what Gen Alpha is up against, why entrepreneurship is the new rock’n’roll, and her best advice for building financial independence, whatever your starting line. Eliza’s book: Inheritocracy: It’s Time to Talk About the Bank of Mum and Dad (https://www.penguin.co.uk/books/476298/inheritocracy-by-filby-eliza/9780753561904) 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:⁠⁠⁠⁠ ⁠⁠Investing Club⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Episode preview(00:00:56) Meet Dr Eliza Filby(00:01:35) Why “inheritocracy” makes everyone squirm(00:05:53) Eliza’s story + what “inheritocracy” actually means(00:12:05) The quiet perks: childcare, free rent, safety nets(00:15:00) You can’t always “tell” who has family money(00:17:51) The power of a financial backstop(00:23:19) When help becomes harmful: money, guilt, and guardrails(00:26:51) Parenting with privilege (and how to not spoil them)(00:29:09) Gen Alpha’s future: resilience in a chaotic world(00:30:44) Why entrepreneurship is the new rock star dream(00:34:18) Eliza’s advice for building financial independence(00:39:27) Thank you for listening to Raising The Curve!(00:39:52) 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.

You’ve been asking for it… our annual predictions episode is FINALLY HERE! We’re revisiting the calls we made for 2025, including one that genuinely made us feel like stock market geniuses, and a few that should’ve come with a “do not quote us” disclaimer. Then we roll straight into our 2026 predictions: what we think the markets are in for, whether Bitcoin’s about to have its main character moment, which big names could IPO, and the one theme we think might quietly run the whole year 👀 Also: Sophie records pantless, Vic has a travel meltdown that turns into an emergency fund masterclass, and Japan apparently has a… bear problem?? Now it’s your turn, do you think markets will be up or down by the end of 2026? Leave a comment, DM us your predictions, or send a voice note to The Curve Hotline! (https://thecurveplatform.com/pages/the-curve-hotline) WTF does that mean? A guide to all the jargony bits: S&P 500 – The 500 biggest US companies. The main US stock market vibe check. FTSE 100 – The 100 biggest companies in the UK stock market (pronounced “Footsie”). Bull Market – Stock market going up. Everyone feels like a genius. Bear Market – Stock market going down. Everyone pretends they “invest long-term anyway.” Volatile – Prices jumping up and down like they’ve had 6 coffees. Market Correction – A decent dip after a big rise. The market’s little reset. IPO – When a company joins the stock market for the first time. Its public debut. Emergency Fund – Money set aside for life’s chaos (aka Vic at Heathrow). 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:⁠⁠⁠⁠ ⁠⁠Investing Club⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Welcome back!!(00:00:36) Quick catch up(00:09:21) Re-visitng our predictions for 2025(00:25:53) Making predictions for 2026...(00:36:31) Thank you for listening to The Curve Weekly!(00:37:08) 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 2025 didn’t go to plan (you’re not alone), this episode is a powerful reset for the year ahead. Marley Rose Harris joins us to talk about how subconscious beliefs shape everything from money and confidence to relationships, and why shifting your mindset isn’t just “positive vibes,” it’s real, practical work. And this isn’t just theory: Marley coaches Vic and Soph through their real-life money patterns in real time, uncovering the beliefs underneath them (spoiler: it’s not what you think). You’ll also hear Marley’s wild take on debt including the idea that we can hold onto it for a subconscious “hidden advantage” 👀plus practical tools you can use to start rewriting your money story immediately. Expect a few uncomfortable truths and at least one “oh… that explains a lot” revelation… ⚠️ This episode includes themes of loss and grief, which may be emotional for some listeners. Please take care while listening, and feel free to pause or skip if you need to. 🎁 Want to win a 1:1 session with Marley Rose Harris (valued at $2,000) plus access to her online course for you and a friend? Head to our Instagram @thecurveplatform (https://www.instagram.com/thecurveplatform/) for full entry details, good luck! Marley’s links: Higher Self App: https://www.higherselfapp.comMarley’s Podcast (Money Mindset & Manifestation): https://www.marleyrose.ca/podcastInstagram: https://www.instagram.com/marleyroseharris/ 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:⁠⁠⁠⁠ ⁠⁠Investing Club⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Episode preview(00:00:56) Welcome back!! + Giveaway details(00:02:59) Listener disclaimer(00:03:08) Meet Marley Rose Harris(00:15:34) Marley’s first money memories(00:20:31) Rewiring your money beliefs(00:31:39) Vic’s money mindset unpacked(00:38:52) Soph’s money mindset unpacked(00:43:02) Marley’s $30K debt reset(00:47:09) Money mindset + relationships(00:51:02) If you’re sceptical… start here(00:55:05) Wrap up(00:56:18) Thank you for listening to Raising The Curve!(00:56:42) 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 🌟 It’s our annual “let’s unpack the year that’s been” episode, and yes, it’s equal parts finance recap, emotional support podcast, and why does London cost £30 to breathe? We reflect on the year’s biggest money moments (hello wild stock market returns, AI doing the absolute most, Bitcoin being Bitcoin, and gold randomly popping off), plus the behind-the-scenes reality of running The Curve without spontaneously combusting. Expect honest chat about budgeting properly (and what happens when you don’t), building an emergency fund, buying property, borrowing money from parents (humbling!), navigating relationship finances, and the ongoing quest for balance when your to-do list regenerates overnight like a cursed Tamagotchi. It’s a mix of lessons learned, goals for next year, and a gentle reminder that you can do everything… just not all at once. Drop a comment with what you learned this year, what you’re ditching in 2025, and the goals you’re taking into next year we want to hear it all! Thank you for a fantastic year everyone and see you in 2026. ❤️ 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:⁠⁠⁠⁠ ⁠⁠Investing Club⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Welcome to Raising The Curve!(00:00:36) Re-introducing our yearly tradition(00:02:59) Our 2024 reflections(00:05:41) What happened globally in 2025(00:09:50) Vic’s business reflections(00:12:56) Soph’s business reflections(00:15:45) Vic’s financial reflections(00:19:31) Soph’s financial reflections(00:22:34) Vic’s personal reflections(00:25:33) Soph’s personal reflections(00:27:44) Vic’s business learnings(00:29:14) Soph’s business learnings(00:31:49) Vic’s money learnings(00:33:01) Soph’s money learnings(00:35:33) Vic’s personal learnings(00:39:40) Soph’s personal learnings(00:43:22) Our previous goals for 2025(00:45:16) Vic’s goals for 2026(00:45:42) Soph’s goals for 2026(00:50:40) SEE YOU NEXT YEAR!(00:54:46) Thank you for listening to Raising The Curve!(00:55:12) 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.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 It’s the final Curve Weekly of the year and yes, we somehow open with eggs, sleep, and the pillow-fort Sophie made last night on her sleepover. But once we snap out of the delirium, we’re diving into a wild week in finance: Warner Brothers is officially the belle of the ball with Netflix and Paramount clawing for it’s attention (hostile bids, political puppeteering, billion-dollar drama - it's basically Succession but with more streaming). Then we chat about the world’s biggest ice-cream brand going public, yep, Magnum is now a standalone stock, though the whole “health and wellness trend meets frozen sugar block” debate gets very real. Nvidia’s China green light is finally confirmed, bringing in billions (and maybe some legally questionable tax mechanics). And to close out 2025? The best global news for women we’ve seen all year: India has started compensating women for unpaid domestic labour. No strings attached. No forms. Just cash, dignity, and a serious shift in economic power. If you need a year-end episode with corporate drama, sweet treats, geopolitical spice, and a big feminist mic drop… this one’s for you! WTF does that mean? A guide to all the jargony bits: Acquisition – One company buys another.Bidding War – Companies fighting over who gets to buy something.Hostile Takeover – A takeover nobody asked for.Shareholder – Someone who owns a slice of a company.Equity – Shares.Spin-Off – A company turning part of itself into a new company.Conglomerate – One big company made of lots of little ones.GLP-1 Drugs – Ozempic-style appetite suppressants.Addressable Market – Everyone a company could sell to.Lobbying – Schmoozing politicians for business wins.Revenue – Money coming in (before bills).Red Tape – Annoying admin that slows everything down.Takeover Target – A company everyone suddenly wants to 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:⁠⁠⁠⁠ ⁠⁠Investing Club⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Coming up in this episode...(00:01:11) Quick catch up: eggs & sleep (00:06:11) Warner Bros: Inside the Major Bidding War(00:18:44) Magnum’s Market Debut: Investing in Ice Cream(00:29:42) Arnott’s: What’s Really Going On(00:33:30) Nvidia’s Milestone: China Approves Chip Sales(00:36:29) India’s Landmark Policy Supporting Women(00:44:46) Thank you for listening to The Curve Weekly!(00:45:24) Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 What does it actually take to save £100,000 in your mid-20s without becoming a joyless hermit who never buys a coffee again? In this episode, Sophie chats with the hugely talented creator, Mia McGrath about growing up feeling “not rich enough”, turning a shopping habit into a saving habit, and why your first £100k is the hardest but the most powerful. Mia opens up about being adopted from China, how that shaped her fierce independence, and the moment she realised building her own wealth felt better than waiting for someone else to “rescue” her financially. They get into invisible wealth vs flashy flexing, the FIRE movement and creating a “work optional” life, living frugally without feeling deprived, and how to rethink splitting money in relationships without losing your power. Expect practical tips on low-buy habits, side hustles, emergency funds and compound interest, plus a healthy dose of “put the ASOS app down” energy and Sophie’s pledge to finally stop wasting money on Guinness she doesn’t even like. Mia’s socials: Instagram - https://www.instagram.com/miarose_mcgrath/?hl=en TikTok - https://www.tiktok.com/@miarosemcgrath?lang=en-GB YouTube - https://www.youtube.com/@miarosemcgrath Substack - https://frugalchic.co.uk/ 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:⁠⁠⁠⁠ ⁠⁠Investing Club⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Welcome to Raising the Curve(00:00:37) Why Mia Set Her £100k Goal(00:02:50) Mia’s Early Money Story(00:05:08) Breaking Free from Overconsumption(00:10:47) Adoption, Identity & Independence(00:14:03) How Her Parents Shaped Her Money Habits(00:16:29) Understanding Compound Interest(00:18:05) Defining What “Rich” Really Means(00:21:18) FIRE and Becoming Work-Optional(00:23:55) Leaving Fashion for Finance(00:29:11) Hitting the £100k Milestone(00:31:39) The Real Sacrifices Behind Saving(00:34:35) For People Who Love Spending(00:36:58) The Idea of Frugal Chic(00:40:08) Small Luxuries That Still Feel Rich(00:42:13) Gratitude as a Money Tool(00:44:04) The Power of Invisible Wealth(00:46:10) Hypergamy, Dating & Splitting Bills(00:57:16) Final Thoughts(00:58:03) Thanks for Listening(00:58:28) 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.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 This week, we unpack a surprisingly juicy mix of money, markets and the evolving media world, starting with Netflix’s huge move on Warner Bros and what it tells us about how content, power and profit are shifting in real time. They look at Australia’s under-16 social media ban and the ripple effects it could have on everything from advertising economics to how young people connect, plus Pinterest’s unexpected rise as the “healthy” corner of the internet and why that actually matters for investors. From there it’s a whirlwind tour through the rest of the week’s financial drama: Prada snapping up Versace at a discount, global companies lining up to challenge Trump’s tariffs, and the wild new frontier of GLP-1 drugs making their way into the pet market (Ozempets… truly). With a sprinkle of Spotify Wrapped chaos, a dash of dating-life overshare, and a sneak peek of our upcoming chat with Gen Z investing whiz Mia McGrath, this episode delivers plenty of laughs but also some big-picture takeaways about where power, money and consumer behaviour are heading. Sign the petition! https://b416.co.nz/ WTF does that mean? A guide to all the jargony bits: Acquisition – One company buys another. Corporate shopping spree.Vertical Integration – Owning every step of making your product. Control freak energy.Regulators – The business hall monitors.Competition Concerns – “You’re getting too powerful, babe.”Spin-Off – Breaking a business into a new baby business.Tariffs – Taxes on imports. A pricey “welcome.”Pricing Power – When a company raises prices and we still pay.Share Price – What one slice of a company costs.Bottom Line – Profit. The money that actually matters.GLP-1 Drugs – The science behind Ozempic. Very trendy.Market Consolidation – Big companies merging into even bigger ones.Ad Revenue – Money made from ads. Your scrolling = their payday. 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:⁠⁠⁠⁠ ⁠⁠Investing Club⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) What’s Coming Up (It’s a Big One)(00:01:11) Soph’s Dating Debrief(00:04:36) Spotify Wrapped Takes Over(00:10:44) Netflix Buys Warner Bros(00:17:53) The Only App Dodging Australia’s Social Media Ban(00:25:00) Prada Snaps Up Versace(00:27:11) Trump’s Tariffs Come Back to Bite(00:33:10) Ozempets…(00:36:50) One Last Thing Before You Go(00:38:52) A Big Thank You!(00:39:31) Financial Disclaimer(00:39:59) Outtake (sorry Miso) 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 unpack how foreign buyers actually shape the property market, beyond the headlines, the outrage, and the “blame the billionaire” energy. We dig into why wealthy people snap up homes across the world, what that does to local affordability, and why foreign buyers are such an easy political target. Along the way, we compare the dream portfolios we’d build (yes, there are city penthouses and secluded hideaways), break down how leverage helps everyday buyers grow wealth, and take a fun peek at the property empires of Taylor Swift, Kim Kardashian and Rihanna… We’re proud to be partnering with BNZ, whose Home Loan Partners understand that no two journeys to home ownership are the same. With expert guidance, backed by BNZ’s research team, they’re here to help you make sense of interest rates, affordability, and timing - so you can navigate your property journey with confidence, no matter what stage you’re at. 👉 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: 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:⁠⁠⁠⁠ ⁠⁠Investing Club⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Coming up in this episode...(00:00:29) BNZ x The Curve(00:01:19) Our dream property portfolios(00:04:44) Why do so many wealthy people buy foreign property?(00:07:02) Taylor Swift’s property portfolio(00:11:06) Why so many people aspire to buy property (00:14:48) The price to income ratio(00:22:45) Taxes preventing foreign buyers(00:30:08) Ways to help more people get on the ladder(00:33:50) Kim Kardashian's property portfolio(00:35:41) Rhianna's property portfolio(00:36:14) The most lucrative places to buy in the world(00:37:44) A Big Thank You to BNZ!(00:39:19) 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 🌟 This week, Vic kicks things off with a very serious financial dilemma: should you ever spend your hard-earned entertainment budget in an ironically disgusting pub… or is that grounds for a relationship summit? From there we dive into Google’s big AI step up, why Gemini 3 and Google’s own chips are suddenly giving Nvidia a proper run for its money, and what that means if you’re investing in the AI boom. We also unpack how Eli Lilly just joined the trillion-dollar club off the back of weight-loss drugs, and get into the messy but important nuance of obesity, ethics and investing. Then we finish with the UK budget - but don’t tap out if you’re not in the UK: we use it as a crash course in how government budgets actually work, how frozen tax bands quietly make you poorer, what’s changing with ISAs, and why renters and pet owners might finally catch a break. Watch our latest episode with Google’s Chief Technologist here: https://youtu.be/kQ3dKKSFbWI?si=Intdo6EBtVz60oTd WTF does that mean? A guide to all the jargony bits: AI Chips – Hardware that powers AI brains.Nvidia – The Beyoncé of chip makers.Gemini 3 – Google’s new AI model causing chaos.Market Share – How big a slice of the industry pie you own.GLP-1 Drugs – The science behind weight-loss meds like Ozempic.Market Cap – What a company’s worth on the stock market.Tax Brackets – Income levels that decide your tax rate.Fiscal Drag – Taxes going up… without looking like they’re going up.ISA – A savings/investing account the tax man can’t touch.Diversification – Don’t put all your money in one basket.R&D – Where companies invent cool new stuff.GDP – A country’s economic “how we’re doing” score. 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:⁠⁠⁠⁠ ⁠⁠Investing Club⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Coming up in the episode...(00:01:09) Vic vs Flower Man: The Pub Battle(00:06:33) Google’s steps up to the AI game (Hello, Gemini 3)(00:14:40) The Trillion-Dollar Surprise(00:28:36) The UK Budget… but make it understandable(00:36:45) Thank you for listening!(00:37:24) Financial Disclaimer(00:37:52) We love you Jacob Elordi 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 🌟 At 10, Devika was doing night shifts caring for her nan. Fast-forward and she’s one of the tiny handful of female CEOs on the NASDAQ, building life-changing dementia tech while anonymous investors critique… her handbags. In this episode, she shares the real story behind her “why”: caring for her grandma, building a booming care startup, being bullied out of the business she created, surviving an abusive relationship, sobbing on Old Street while her face covered every Tube station, and then - plot twist - meeting the love of her life in Ibiza wearing five-day-old underwear. We dig into resilience, misogyny, motherhood, leadership, and her mission to transform dementia care for every family. It’s raw, heartfelt, unexpectedly funny, and a hug for anyone who’s ever thought, “I don’t know if I can get up again.” (We do touch on domestic abuse, grief and mental health - please listen gently.) Devika’s Linkedin: https://www.linkedin.com/in/devikawood/?originalSubdomain=uk Ayla Care: https://www.ayla-care.com/ Women in Health: https://www.linkedin.com/company/wealth-women-in-health 🚗 Thinking about a new car but not ready to drop the cash all at once? Our mini-episode with Lexus explains car financing in plain English (and yes, we made it fun): ⁠https://youtu.be/klxsa-upYH4?si=mStDjeNaPWvERlt_ 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:⁠⁠⁠⁠ ⁠⁠Investing Club⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ (00:00:00) Episode Preview(00:01:12) Quick Disclaimer(00:01:23) The Curve x Lexus(00:02:24) Who is Devika Wood?(00:09:12) Devika’s Grandma & Her ‘Why’(00:17:16) Co-Founding Vida at 26(00:30:27) Rock Bottom(00:34:15) The biggest Learning Devika Has Had(00:40:52) Devika’s Mission Now(00:41:54) Devika’s Message to Mums(00:44:36) Thank You For Listening!(00:45:01) Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.