The Curve

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.

El Niño is back, and it is already happening. Last time a weather event this strong hit, the global economy lost nearly $6 trillion. This time it is arriving on top of post-war inflation, elevated energy costs, and supply chains that are still finding their feet. We break down what El Niño actually is, why the timing is brutal, and where Vic sees a genuinely interesting long-term investing opportunity sitting inside all of it. Plus: the biggest IPO in history just landed, Elon Musk is officially a trillionaire, and the UK has finally banned social media for under-16s. We get into the financial side of that too, including which platform is going to feel it most.
💍 Getting married, been married, or just been to a lot of weddings? We want to hear from you, fill in our anonymous wedding cost survey here (https://form.typeform.com/to/TUGcMgSC).
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/)
The views expressed by Pathfinder via the Ethical Hotline are of a general nature and are not specific to Pathfinder's product, to learn more about Pathfinder and what they do, please visit their website at www.pathfinder.kiwi
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://the-curve-rkwjhw.myklpages.com/l/RkcXTd)
Substack (https://thecurveplatform.substack.com/)
Chapters

00:00:00 Coming up in this episode…
00:01:30 Pathfinder x The Curve
00:07:22 Sneak Peak: Wedding Costs
00:09:04 SpaceX: The biggest IPO in history
00:18:14 The Tesla-SpaceX merger rumor
00:20:06 Middle East ceasefire and oil prices
00:21:57 UK bans social media for under 16s
00:28:02 Pathfinder x The Curve
00:29:04 El Niño is here and it's hitting your wallet
00:34:53 The investment opportunity in water infrastructure
00:38:36 Your community question answered
00:42:09 Exciting announcements and what's coming
00:42:55 Thank you for listening!
00:43:33 Financial Disclaimer

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

We've heard Sophie talk about money on this podcast hundreds of times. But this episode? This is different. For the first time, Emily (Podcast Producer) and Lucy (Social Media Manager) here at The Curve sat down with Soph to go deep, from stealing as a six-year-old, to blowing her dad's credit card after the Christchurch earthquake, to arriving in Italy with literally no money despite having 24k in investments. We also hear from Sophie's actual parents (yes, we went there), get the full story on her relationship with money inside a relationship, and land somewhere that honestly made us a little emotional. This one's for the long-time listeners and the brand new ones alike. We hope you love it!

The episode with Vic & Soph’s dads: https://youtu.be/xS75WsX9huo?si=iSl7Q0G_bs4lLbQh

Credits:

Hosts: Emily Rigby & Lucy Munro

Guest: Sophie Hallwright

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

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

For more from The Curve:⁠⁠⁠⁠

⁠⁠Website⁠⁠ (https://thecurveplatform.com/)

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

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

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

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

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

Chapters

00:00:00 Episode preview…
00:01:05 Welcoming our guest, Sophie Hallwright
00:02:22 How The Curve went from a fictional idea to a real business
00:06:50 Sophie's relationship with money today
00:09:40 The first money memories Sophie has never shared before
00:15:39 Her message from Soph's dad
00:19:28 The Christchurch earthquake, a credit card, and a spiral
00:23:59 How competitive gymnastics shaped everything that came after
00:26:43 A message from Soph's mum
00:28:03 The Italy story: 24k in investments and no money for a bus ticket
00:32:01 The moment everything finally clicked
00:35:08 How she bought two investment properties
00:36:28 Sophie's latest acquisition… a boyfriend
00:42:11 What she'd tell her younger self
00:42:49 Where to from here
00:49:12 Thank you for listening!
00:49:39 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.

A Harvard study of 50,000 people across 25 countries has revealed something surprising about working mothers, and the data is hard to ignore. Soph and Vic unpack the findings, why they're still so relevant in 2025, and what it means for the way we think about work, family, and money. They also get into the lab-grown vs natural diamond debate (it's more divisive than you'd think), and break down the biggest IPO pipeline in history: SpaceX, Anthropic, and OpenAI are all going public within months of each other, adding a combined $3.6 trillion to the US stock market, and Vic gives her honest take on whether retail investors should pay attention or sit this one out.
💍 Getting married, been married, or just been to a lot of weddings? We want to hear from you, fill in our anonymous wedding cost survey here (https://form.typeform.com/to/TUGcMgSC).
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/)
The views expressed by Pathfinder via the Ethical Hotline are of a general nature and are not specific to Pathfinder's product, to learn more about Pathfinder and what they do, please visit their website at www.pathfinder.kiwi
WTF does that mean? A guide to all the jargony bits:
Valuation – What people agree a company is worth. Not always rational.
NASDAQ – A US stock exchange. Where the big tech companies live.
ASX – The Australian stock exchange.
Retail Investor – Everyday people investing their own money. Hi, that's you.
Capital – Money used to grow a business. When companies "raise capital," they need cash.
Motherhood Penalty – The hit women take to their career and earnings after having kids.
Credits:
Hosts: Victoria Harris & Sophie Hallwright
Producer: Emily Rigby
Editor: Kate Callaghan
Social & Digital Manager: Lucy Munro
⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠
For more from The Curve:⁠⁠⁠⁠
⁠⁠Website⁠⁠ (https://thecurveplatform.com/)
⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠
⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3)
⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠
⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly)
Substack (https://thecurveplatform.substack.com/)
Chapters

00:00:00 Coming up in this episode…
00:01:29 Pathfinder x The Curve
00:01:55 The lab-grown vs natural diamond debate
00:08:46 What a Harvard study revealed about working mothers
00:18:21 Why Chemist Warehouse wants to buy Boots
00:32:31 Pathfinder x The Curve
00:33:14 OpenAI's IPO - hype or opportunity?
00:49:42 Your ethical hotline question answered
00:56:48 On Raising The Curve this week…
00:59:14 Thank you for listening!
00:59:52 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.