The Curve

The Curve Platform
  • 4.6 (10)
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The Curve is a platform to learn more about money. To change the stereotype that these conversations are typically boring, and only for men in suits. Victoria has worked in the finance and investing world for 13 years, and Sophie is a total novice. Learn alongside her as she asks all the questions you're thinking, but might feel a little embarrassed to ask. This podcast will give you all the tools and knowledge to achieve financial freedom, as well as (hopefully) having a laugh along the way. New episodes every Monday and Wednesday!  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

  1. The $200m On-Air Fallout.

    1D AGO

    The $200m On-Air Fallout.

    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.

    52 min
  2. How to Grow a Business Without Doing Everything Yourself, with Rachel Beider.

    5D AGO

    How to Grow a Business Without Doing Everything Yourself, with Rachel Beider.

    🌟 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.

    38 min
  3. The Woman Out-Philanthropying the Billionaires.

    MAR 1

    The Woman Out-Philanthropying the Billionaires.

    🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 One woman gave away $7 billion in a single year, while most of the richest people in America have donated less than 5% of their wealth. We unpack the billionaire giving gap, why some tech titans are looking a little stingy, and how one woman is quietly raising the bar for what extreme wealth could actually do in the world. Before we got there though, we covered a lot. We dive into Trump’s tariffs being ruled illegal (and the refund chaos that could follow), the cringey US men’s hockey White House moment that sidelined the women’s gold medal team, the Netflix vs Paramount vs Warner Bros takeover drama, and rumours that Stripe might snap up PayPal. We then zoom out to the bigger picture: the cost of being a woman. New data shows women are disproportionately seeking debt advice in the UK, and we talk childcare, pay gaps, and why financial pressure isn’t evenly distributed. And finally, we wrap with a community question on where to invest savings outside KiwiSaver. Billionaires, boardroom battles, misogyny and money, all in one episode. Strap on in… WTF does that mean? A guide to all the jargony bits: Tariffs – A tax on imports. Businesses pay… you usually feel it. Supreme Court – The highest court. Final legal say. Volatility – Markets going up and down. Fast. Takeover / Acquisition – One company buying another. Corporate hunger games. Shareholder – Someone who owns a slice of a company. Divest – Selling off part of a business. Market Share – How much of an industry a company controls. Fintech – Financial tech. Think Stripe, PayPal, investing apps. Philanthropy – Donating money. Usually when you’re very rich. Net Worth – What you own minus what you owe. Managed Fund – Your money invested alongside others, run by professionals. KiwiSaver – NZ retirement fund. Mostly locked till 65. 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) Quick catch up & almost-accidents(00:05:35) Trump’s tariffs ruled illegal(00:16:00) The US hockey White House fallout(00:21:21) Netflix vs Paramount vs Warner Bros(00:27:10) Stripe circling PayPal(00:32:06) The billionaire giving gap(00:40:56) The cost of being a woman(00:49:16) Community questions(00:51:55) Thank you for listening!(00:52:33) 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.

    53 min
  4. How to Invest in Your Fertility Wisely, with Deirdre O'Neill.

    FEB 25

    How to Invest in Your Fertility Wisely, with Deirdre O'Neill.

    🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 Content note: this episode discusses fertility challenges. In this episode, Soph sits down with Deirdre (co-founder of Hertility) to unpack what “investing in your fertility” actually means, medically and financially, at a time when many women feel pressure to make big life decisions without clear information. They explore the gap between being told to “just freeze your eggs” and actually understanding your hormone profile, why testing one number (AMH) isn’t the full story, and how tracking your fertility over time can give you far more control than panic-driven decisions. The episode dives into the economics of fertility too: the rising cost of IVF, companies offering egg freezing as a workplace perk, and whether paying for treatment instead of prevention is missing the point entirely. Along the way, they tackle biological clocks, career timelines, societal pressure, medical gaslighting, and the emotional weight of not knowing. This is a candid, thought-provoking discussion about autonomy, trade-offs, and why information, medical and financial, is often the most powerful investment you can make. 🌟 Exclusive for The Curve listeners: use code CURVE15 to get 15% off Hertility’s Advanced Tests.. Credits: Host: Sophie Hallwright Guest: Deirdre O’Neill 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 (00:01:03) Quick Disclaimer (00:01:16) What Hertility Does (And Why It’s Needed) (00:11:25) The Founder Story (00:17:19) What Testing Actually Tells You (00:21:00) Get 15% off a Hertility Test! (00:21:36) Investing in Fertility (00:42:01) Thoughts on IVF (00:47:39) How to Decide What’s Right for You (00:54:40) Where to Learn More (00:55:52) Thank you for Listening! (00:56:17) 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.

    57 min
  5. A Retirement Fund Wake-Up Call, The AI Chip Crisis, & goodbye “Girlbossing”.

    FEB 22

    A Retirement Fund Wake-Up Call, The AI Chip Crisis, & goodbye “Girlbossing”.

    🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 In this week’s Curve Weekly, Vic and Soph unpack the AI chip crisis and why soaring demand could mean pricier tech (no, not the potato kind), plus the recent market wobble and why it’s not a cue to panic. They dive into the ongoing Netflix vs Warner Bros vs Paramount drama, reveal the scary stat about people not knowing where their retirement fund is (and how that could cost up to $1 million long term), and explain why groceries in the Southern Hemisphere feel criminally expensive. Add in a quick emergency-fund reality check and the rise of burnout feminism: goodbye girlbossing, hello boundaries! 👉 Answer our 10-second retirement poll (https://forms.gle/4ZTRbchUYYgqVmt16) WTF does that mean? A guide to all the jargony bits: Bond – An IOU. You lend money, they pay you interest. 100-Year Bond – You get paid back in a literal century. Wild. AI Inference – The “thinking” part when AI answers you. Data Centre – Massive computer warehouses powering the internet. Market Wobble – A small dip. Not a meltdown. Sell-Off – Lots of people selling at once. AI Cannibalisation – AI replacing parts of an industry. Rebalancing – Adjusting your portfolio back to your original plan. Default Fund – Where your retirement money goes if you don’t choose. High-Growth Fund – Higher risk, higher long-term potential. Currency Losses – Exchange rates messing with your returns. Duopoly – When two companies dominate a market. Market Share – How much of the market a company controls. Burnout Feminism – Less hustle, more boundaries. 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...(00:01:32) Life updates: events & emergency funds(00:09:18) AI chips, tech hype & the rise of AI girlfriends(00:30:35) Netflix vs Warner Bros vs Paramount update(00:33:44) The $1m retirement wake-up call(00:37:26) Why your groceries are so expensive(00:42:13) Goodbye girlbossing, hello burnout feminism(00:48:03) Community questions(00:55:09) Thanks for listening(00:55:46) Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

    56 min
  6. Unpacking Our Relationship With Money.

    FEB 19

    Unpacking Our Relationship With Money.

    🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 Money isn’t just numbers in a spreadsheet: it’s childhood memories, anxiety, guilt, confidence, and the occasional unhinged purchase you defend forever. In this first episode of IOU (Some Money Education), Soph, Vic and Lucy Blakiston from Shit You Should Care About get honest about their own relationships with money, from how they grew up, to why they spend, save, or stress the way they do now. Expect family voice notes that expose everything, a few rogue spending confessions, and a reminder that if budgeting hasn’t worked for you before, it might not be the spreadsheet, it might be the mindset. Think of this as finance, but with a bit of self-reflection (and no judgement). 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….(00:01:25) BNZ X The Curve(00:01:51) The idea behind this series(00:04:32) Who is Lucy + Shit You Should Care About?(00:13:13) In the Red or in the Green?(00:19:20) Lucy’s relationship with money(00:28:58) Soph’s relationship with money(00:36:09) Vic’s relationship with money(00:42:48) Some messages from Lucy’s family...(00:51:11) Cash and Burn(00:57:34) Extra Credit(00:59:57) Thank you for joining us for IOU (Some Money Education)!(01:00:21) Thank you BNZ!(01:00:51) 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.

    1h 1m
  7. Australia’s Wealth Divide BC and AC.

    FEB 15

    Australia’s Wealth Divide BC and AC.

    🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 The Day COVID Split Australia’s Wealth - and the numbers are honestly jaw-dropping. We unpack the sharp divide between those who bought property BC (Before COVID) and AC (After COVID), why some younger homeowners saw their wealth jump 63% in five years, and why others are still feeling the interest-rate squeeze. It’s a timely reminder that timing helps… but overstretching isn’t the answer. Plus, Soph is officially back in New Zealand and we’re reunited in the studio (finally!), just in time to cover the Netflix vs Paramount bidding war over Warner Bros (hello $2.8B breakup fee), Pepsi quietly notching its 54th consecutive dividend raise, Nike’s Converse headache, and Google raising $32B through a 100-year AI bond. There’s lots we covered this week so let’s get into it… WTF does that mean? A guide to all the jargony bits: Dividend – A share of a company’s profits paid to shareholders. Dividend King – A company that’s raised its dividend for 50+ years straight. Elite behaviour. Breakup Fee – A penalty paid if a takeover deal collapses. Shareholder – Someone who owns part of a company (aka shares). Market Share – How much of a market a company controls. Defensive Stock – A steady company that holds up when the economy wobbles. Net Worth – What you own minus what you owe. Interest Rates – The cost of borrowing money. Tariffs – Taxes on imported goods. Higher tariffs = higher costs. Bond – A loan you give to a company or government in exchange for interest. 100-Year Bond – A loan that won’t be repaid for 100 years. Yes, actually. Dilution – When new shares are issued, reducing the value of existing ones. Liquidity – How quickly you can turn an investment into cash. 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…(00:01:29) New NZ studio reveal!(00:11:29) The Warner Bros saga continues(00:19:58) Pepsi’s 54-year dividend streak(00:25:26) BC vs AC property gap in Australia(00:35:09) Nike and Converse struggles(00:40:28) Google’s 100-year AI bond(00:48:21) Community investing question(00:54:58) Thanks for listening to The Curve Weekly!(00:55:37) 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.

    56 min
  8. How To Get A Mortgage When You Work For Yourself.

    FEB 11

    How To Get A Mortgage When You Work For Yourself.

    🌟 WATCH THIS EPISODE ON YOUTUBE 🌟 If your income doesn’t come in a neat little monthly payslip because you freelance, contract, run a business, or your earnings are just a bit… chaotic - this one’s for you. In this month’s Property Podcast, we look at five key things to keep in mind when you go to apply for a mortgage when your money is “lumpy,” including what banks actually care about (stability and proof, not perfection), the paperwork that makes lenders take you seriously (income + tax records, accounts, contracts and future work), how to keep business and personal spending clean, what deposit expectations can look like, and how to boost your chances with simple moves like paying yourself regularly and cleaning up high-interest debt. Most importantly: this episode is here to kill the myth that getting a mortgage without a traditional salary is impossible, because it’s not. It’s just a slightly wiggly path, and you can absolutely prepare for it. Watch our episode with Gabby: ‘A Property Story Gone Wrong’: https://www.youtube.com/watch?v=raE9rKH-Duo&t=1315s We’re proud to be partnering with BNZ, who know that getting a mortgage isn’t always straightforward, especially if you don’t have the “standard” payslip setup. If you’re self-employed, contracting, freelancing, earning commission, or your income changes month to month, BNZ’s Home Loan Partners can help you understand what you might be able to borrow and what steps to take next. With the right tools and expert support, you can navigate the process with more clarity and confidence - from first search to settlement. 👉 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...(00:00:20) BNZ x The Curve(00:01:48) What even is a mortgage?(00:10:12) Soph’s mortgage story(00:21:00) 5 things to keep in mind if you work for yourself & you’re trying to get a mortgage(00:24:09) 1: Why it feels harder when you work for yourself(00:27:38) 2: What banks actually need to see(00:36:51) 3: The actual paperwork the bank requires(00:42:43) 4: What deposit is needed?(00:47:02) 5: What will help you get approved?(00:51:42) Final thoughts(00:54:41) Thank you for listening to the property podcast!(00:56:16) 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.

    57 min
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Ratings & Reviews

4.6
out of 5
10 Ratings

About

The Curve is a platform to learn more about money. To change the stereotype that these conversations are typically boring, and only for men in suits. Victoria has worked in the finance and investing world for 13 years, and Sophie is a total novice. Learn alongside her as she asks all the questions you're thinking, but might feel a little embarrassed to ask. This podcast will give you all the tools and knowledge to achieve financial freedom, as well as (hopefully) having a laugh along the way. New episodes every Monday and Wednesday!  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

Information

  • Creator
    The Curve Platform
  • Years Active
    2021 - 2026
  • Episodes
    365
  • Rating
    Explicit
  • Copyright
    © The Curve Platform
  • Show Website
    The Curve

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