18h ago

Pay transparency is coming, how to ask for more & which degrees actually pay off

Someone in The Curve community sent us a screenshot that sums it up: a supervisor finding out the man they supervise earns £4k more than them. Right now only 51% of UK job ads list a salary, but the government plans to make it compulsory. Soph and Emma-Louise Boynton get into what’s changing and why women and minority applicants are 25% more likely to apply when the pay is listed. They also cover how to negotiate as if the law were already here, using Meggie Palmer’s wish, want and walk numbers. Then, nearly half of Australians think they’re overeducated for their job. Emma brings the data on which degrees pay off and which don’t, and the two of them find out how their own degrees stack up. Not financial advice. Want to become an expert negotiator? Watch our episode with Maggie Palmer … https://youtu.be/ZTwXB7o3Ps8?si=h0cLM0_QO5n8I9V1 Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Host: Sophie Hallwright & Emma-Louise Boynton Producer: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:01:15 Generate x The Curve 00:01:33 You need to see the Elizabeth Holmes doc 00:06:52 How pay transparency can help you 00:26:45 Are your qualifications worth anything? 00:47:25 Thanks for listening 00:47:45 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

2d ago

The Weekly: The midterm market crash, The Curve Fund’s October update & why David Jones collapsed

The US midterms sent markets soaring, then a day later they fell hard. Vic explains what spooked investors and what a fund manager actually weighs up when prices drop: buy now, or wait for them to fall further? Then it’s The Curve Fund’s October update. Google’s parent company Alphabet lost US$500 billion in a single day, and Vic explains why using something we all understand, your own pay packet. Plus, the EssilorLuxottica heir airing his family’s business on podcasts, and why investors care. And David Jones, the department store older than Harrods, has gone into administration. We cover what that means for the brands it stocks and anyone still holding a gift card. Not financial advice. We're so proud to have created a fund shaped by you, The Curve community. To find out more, visit thecurveinvestments.co.nz. The Curve Investments Limited is the issuer and manager of The Curve Fund. The Product Disclosure Statement is available at thecurveinvestments.co.nz/pages/the-legal-stuff. The Curve Investments Limited is part of The Curve group, and the hosts of this podcast have an interest in it. This is general information only, not financial advice. Investing involves risk and returns aren't guaranteed. Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM Thanks to Xero for supporting this episode. Get 90% off your first six months of Xero, the all-in-one accounting software for small businesses: https://referrals.xero.com/curve Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in the episode 00:01:04 Pathfinder x The Curve 00:01:27 What’s going on in the markets?? 00:18:02 Fund update 00:30:59 Pathfinder x The Curve 00:31:31 Xero x The Curve 00:32:51 Is David Jones collapsing? 00:46:48 Thanks for listening! 00:47:07 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.

5d ago

How to build your own money playbook (with a little help from AI)

Madi Stefanis was introduced to investing by her mum at 18, starting with small, regular amounts from her paycheck. Now 26 and the founder of 35mm Co., she invests every Friday, matches every designer purchase with the same amount invested, and keeps six months of expenses in an emergency fund. This episode is investing for beginners, told through the lens of someone who started small and stayed consistent: the money beliefs Madi grew up with, what she counts as an investment (and what she doesn’t), and what needs to be true about your finances before you even open an investing app. We also get into how she’s set up AI as her money soundboard: the information she gives it, the prompts she uses to understand her spending, how it helps her decide where a lump sum should go, and why she never uses it in isolation. Missed Madi’s first episode? Hear how her side hustle from her bedroom floor became 35mm Co.: https://youtu.be/a2sFHsTUHRk?si=H04XwGjPTggt_Bu0 Madi’s links … 35mm Co Instagram: https://www.instagram.com/35mm_co 35mmco.com: https://35mmco.com/?srsltid=AYCX9vLhyFUH53eW3x-l4LVjPWWjhQ01jarReWvFjgrnEDbLFbsoXHjy Madi’s Instagram: https://www.instagram.com/madistefanis More information on AI and cybersecurity … https://www.instagram.com/reel/DeND7JsOdn7/?utm_source=ig_web_copy_link&exln=NTc4MTIwNjQ2YQ== 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: Sophie Hallwright & Vic Harris Producer: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in today’s episode 00:00:45 BNZ x The Curve 00:01:22 Personal information disclaimer 00:02:11 Madi’s new launch 00:05:21 In the red or green? 00:07:45 Relationship with money growing up 00:17:16 Madi and Soph’s investments 00:24:43 Making the leap into investing 00:29:35 How to use AI as a financial sounding board 00:40:58 How to structure your investments 00:48:47 Extra credit 00:50:39 BNZ x The Curve 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.

Nov 3

The Weekly: Inside Anthropic’s IPO filing & why Mark Zuckerberg doesn’t want your vote

Anthropic just filed to go public, and it could be the biggest IPO in history. Vic breaks down what’s actually in the filing: wild revenue growth, a cash pile bigger than Apple’s and Nvidia’s combined, and an unusual share structure. She also has a big question about why Anthropic is listing now. We cover who can actually buy in, depending on where you live. Then, Mark Zuckerberg is creating a new class of Meta shares with no voting rights at all. Soph starts out on his side. She doesn’t stay there. Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Thank you to our partner Lexus New Zealand for supporting The Curve, and for reminding us that being good with money includes enjoying what you’ve worked hard for. Credits: Host: Sophie Hallwright & Vic Harris Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in today’s episode 00:00:52 Generate x The Curve 00:01:11 FinFest debrief 00:04:37 Anthropic’s IPO 00:27:01 Generate x The Curve 00:27:38 Lexus x The Curve 00:27:57 What’s icky about Zuckerberg? 00:45:24 Thanks for listening! 00:45:45 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

Nov 1

How the NZ election could change your pay, your KiwiSaver and your rental

New Zealand votes on 7 November, and this election could change more about your money than you think. Soph admits she’s never read a policy in her life, so Vic walks her through what’s on the table. They cover what National and Labour each want to do with your KiwiSaver, who’d be paying more into it, Labour’s proposed capital gains tax on rental and investment property, and the change for new parents that both parties agree on. Plus, does the sharemarket actually do better under National or Labour? If you want to cut through the campaign noise before you vote, start here. Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM Thanks to Xero for supporting this episode. Get 90% off your first six months of Xero, the all-in-one accounting software for small businesses: https://referrals.xero.com/curve Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in today’s episode … 00:00:37 Pathfinder x The Curve 00:01:02 What should you care about in this election? 00:11:53 National’s KiwiSaver policy 00:17:44 Labour’s KiwiSaver policy 00:21:11 Fixing the gender wealth gap 00:26:55 Will the stock market be impacted? 00:28:17 Oh god tax 00:31:09 Thanks for listening! 00:31:21 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.

Oct 29

What nobody tells you about buying a house at auction

Hannah Hart started saving for a house at 10 and built her first property by 21. Buying the home she lives in now took four to five months, four auctions and a lot of tears. She joins Soph to talk through what really happens when you buy at auction: why one building report stopped her taking on $400,000 of work, what to do when someone else brings an auction forward, and the bidding move her husband made as the hammer was coming down. Plus the three foundational learnings she wants every first-home buyer to know before they start looking. We're proud to be partnering with BNZ, because no two journeys to home ownership are the same. BNZ's home loan experts are there to help you navigate the process with confidence – from search to signing. 👉 To learn more, head here: http://bnz.co.nz/home-loan-partners-spotify-ep18 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. In case you missed Hannah’s priceless budgeting advice on IOU … https://open.spotify.com/episode/7flWRpTACIKVhaimc111dp https://open.spotify.com/episode/5FDI0aPG5bzbriRooqXDWG https://open.spotify.com/episode/2J07xaLGuXUAJcqUo4eZFU Hannah’s Links: https://www.instagram.com/hannahkoumakis/ Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:00:25 BNZ x The Curve 00:00:39 Catch up 00:02:59 Hannah’s hustle to two properties 00:08:59 The importance of equity 00:13:58 What Hannah thought she knew 00:16:03 Building your property team 00:20:11 BNZ x The Curve 00:20:38 The dangers of auctions 00:26:11 Wtf is bringing an auction forward? 00:31:32 Don’t play the odds, play the man 00:41:34 The ethical dilemma 00:44:31 Foundations 00:45:51 BNZ x The Curve 00:46:36 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Oct 27

The Weekly: Shopped at ASOS? Your data could be out there & Victoria’s Secret’s comeback

Soph and Emma Louise-Boynton get into the ASOS hack, where hackers messaged customers directly through the app after the company wouldn’t pay up. We talk about how these digital ransoms work, why so many businesses quietly hand over the money, and the flaw hiding under 70% of the internet that nearly went very wrong. Plus, the cybersecurity stocks and insurers doing well out of it all. Then we turn to Victoria’s Secret, from Kylie Jenner’s $50 million bra to how the brand clawed its way back after years of decline. Not financial advice. Not sure how to incorporate AI into your business? Discover Out Source, our recommended AI automation partner … https://thecurve.out-sauce.ai/refer/out-sauce. Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Host: Sophie Hallwright & Vic Harris Producer: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:01:13 Generate x The Curve 00:01:28 Dream spending 00:03:47 What the ASOS hack means for cybersecurity? 00:29:18 Generate x The Curve 00:29:52 The rebirth of Victoria's Secret 00:49:39 Thanks 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. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

Oct 25

The Weekly: Why Netflix’s shares fell & EssilorLuxottica's best day since 2008

It’s reporting season, when listed companies hand in their report cards and share prices swing on the results. This week Soph and Vic dig into two of them. Netflix grew its profit by around 43%, yet its shares fell, so what were investors actually reacting to, and why is YouTube now the rival to watch? Then there’s a company you’ve probably bought from without realising: EssilorLuxottica, owner of Ray-Ban, Oakley and Sunglass Hut, whose shares just had their biggest one-day jump since 2008. Don’t miss Vic’s money story! https://www.youtube.com/watch?v=pTWLHI9Vjig&t=74s Still not sure about divesting? Read Pathfinder’s blog post … https://pathfinder.kiwi/insights/ethical-hotline-divesting/ Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM Thanks to Xero for supporting this episode. Get 90% off your first six months of Xero, the all-in-one accounting software for small businesses: https://referrals.xero.com/curve Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in today’s episode … 00:01:07 Pathfinder x The Curve 00:01:29 Netflix fails to impress investors 00:15:55 Pathfinder x The Curve 00:16:33 Xero x The Curve 00:17:42 The sunglasses gugernaught 00:29:54 Ethical Hotline 00:37:10 Thanks for listening! 00:37:31 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.

The Curve

Pay transparency is coming, how to ask for more & which degrees actually pay off

The Weekly: The midterm market crash, The Curve Fund’s October update & why David Jones collapsed

How to build your own money playbook (with a little help from AI)

The Weekly: Inside Anthropic’s IPO filing & why Mark Zuckerberg doesn’t want your vote

How the NZ election could change your pay, your KiwiSaver and your rental

What nobody tells you about buying a house at auction

The Weekly: Shopped at ASOS? Your data could be out there & Victoria’s Secret’s comeback

The Weekly: Why Netflix’s shares fell & EssilorLuxottica's best day since 2008

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The Curve

Episodes

Pay transparency is coming, how to ask for more & which degrees actually pay off

The Weekly: The midterm market crash, The Curve Fund’s October update & why David Jones collapsed

How to build your own money playbook (with a little help from AI)

The Weekly: Inside Anthropic’s IPO filing & why Mark Zuckerberg doesn’t want your vote

How the NZ election could change your pay, your KiwiSaver and your rental

What nobody tells you about buying a house at auction

The Weekly: Shopped at ASOS? Your data could be out there & Victoria’s Secret’s comeback

The Weekly: Why Netflix’s shares fell & EssilorLuxottica's best day since 2008

About

Information

You Might Also Like