Soph and Emma pay tribute to Dolly Parton's legacy and the financial genius behind her career, from refusing to give Elvis half her songwriting credit to owning her entire catalog decades before artists like Taylor Swift and Dua Lipa followed suit. They also break down Meta's $18 billion legal settlement, why prosecutors have finally found a way to hold the platform accountable, and what it signals for big tech going forward. Plus, they get into the rise of men paying matchmakers tens of thousands of dollars to find themselves a traditional wife. 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: Hosts: Sophie Hallwright Producer: Emily Rigby 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:⁠⁠⁠⁠ ⁠⁠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… 00:01:10 Generate x The Curve 00:01:27 Weekly catchup 00:03:09 Dolly Parton’s legacy 00:18:42 Generate x The Curve 00:19:18 The $18BN lawsuit 00:41:38 Why men are paying to find tradwives 00:58:04 Thank you for listening! 00:58:42 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. 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.

This week we're asking an uncomfortable question: can money literally buy you a longer life? We dig into the eyebrow-raising world of biohacking billionaires spending millions to reverse their biological age, the stark wealth gap in life expectancy (up to 15 years in some countries), and the rise of $50,000 genetic screening packages that let the ultra-wealthy select for IQ, height and health in their future children. Then we shift gears to sport as an investment - unpacking the $12.5B LA Lakers sale, why scarcity drives sports team valuations, and how to get exposure to the female sport boom without buying a whole team. Plus, two community questions: investing in The Curve Investments via direct debit vs. Sharesies, and how to negotiate a pay rise while on maternity leave. 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/) WTF does that mean? A guide to all the jargony bits: Asset class — a category of thing you can invest in (property, stocks, sports teams...) Capital gains — profit from an asset going up in value Dividends — regular payouts just for holding an asset Margins — profit left after costs; high margins attract competitors ETF — a ready-made basket of investments you buy in one go Credits: Hosts: Sophie Hallwright & Vic Harris 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… 00:00:55 The Curve x Pathfinder 00:01:25 Catching up: our Lorde concert debrief 00:03:56 Can money buy you a longer life? 00:22:33 The Curve x Pathfinder 00:23:13 Sport, money & the $12.5B Lakers deal 00:36:53 Your questions, answered 00:47:52 That's a wrap! 00:48:30 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Before Pete West buys a single investment property, he runs through 7 questions - skip one, and it could cost you thousands. Soph sits down with Pete (the property investor she's worked with on two of her own investments) to break down exactly what he looks for before he buys anything. This isn't about finding your dream home, it's a practical framework for assessing an investment property before you buy. Pete shares the Google Maps trick he uses before even visiting a property, why "the best suburb you can afford" beats a bigger house in a worse one, and the expensive fixes that add zero value versus the ones that do. He also covers how to spot asbestos, dodgy foundations, and unconsented work before they become your problem, plus a real case study: $525k purchase, $70k renovation, $715k revaluation. If you're buying your first investment property, or just want to understand how the pros do it, this one gives you a checklist to take straight to your next viewing. Pete’s Links Instagram (https://www.instagram.com/peterwestproperty) Website (https://www.westpropertycoaching.co.nz/) 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. Credits: Host: Sophie Hallwright Guest: Peter West Producer: Emily Rigby 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:⁠⁠⁠⁠ ⁠⁠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.

"Emma Grede disease" is TikTok's new shorthand for our collective obsession with founder culture - the private jets, the polished business profile, the highlight reel version of building something from nothing. This week, Soph and Emma unpack where the term came from and whether it holds up, using Grede's Start With Yourself as the springboard for a wider conversation about what success in business actually requires: the trade-offs, the years of unseen graft, and why the aesthetic of success is so often mistaken for the substance of it. They cover the rise of the creator economy and Time's 100 Creators list, why personal brand has become a career asset in itself, the case for staying employed longer in your 20s to build skills before going out alone, and why women get punished for failing publicly in a way men rarely are. What do you think of these episodes? Take our survey here to tell us what you think: https://form.typeform.com/to/nAMRC7oj 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: Hosts: Sophie Hallwright & Vic Harris Guest: Emma-Louise Boynton Producer: Emily Rigby 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:⁠⁠⁠⁠ ⁠⁠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… 00:00:39 The Curve x Generate 00:00:57 Birthdays, Watches & Being In the Green (Quick Catch Up) 00:03:34 What We're Unpacking Today 00:05:33 What Is "Emma Grede Disease"? (The TikTok Term Explained) 00:16:51 Inside Time's 100 Creators List: Who's Actually Making Money 00:29:22 Take Our Listener Survey! 00:30:18 Do You Need a Personal Brand to Build a Successful Business? 00:38:23 The Curve x Generate 00:39:00 Your 20s vs 30s: Employed, Freelance or Founder? 00:47:00 The Last Taboo: Why We Can't Talk About Failure 00:56:44 Thank You For Listening 00:57:22 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.

Samsonite just bought a chunk of Shay Mitchell's luggage brand Beis; a 116-year-old company getting cool by buying it rather than building it. We unpack why this "buy vs. build" move makes sense (and what it means for celebrity-backed brands generally). Then: Selena Gomez is being sued for fraud by Wondermind investors after 3 years of alleged radio silence, is this a case of where there's smoke, there's fire? And finally, Anthropic's revenue has gone from $9bn to $65bn in six months, putting it on track to be the largest tech IPO in history. We break down what that growth actually means, why valuing it is nearly impossible, and whether founders keeping outsized control post-IPO should worry everyday investors. Plus: our ethical hotline tackles whether it's ethical to invest in space, with Lily from Pathfinder. 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/) WTF does that mean? A guide to all the jargony bits: Revenue Multiple — What a company sells for, priced as a multiple of its yearly sales. Annual Run Rate — One good month, times 12, dressed up as a yearly forecast. IPO — Going public: selling chunks of your company to literally anyone with a brokerage app. Public Benefit Corporation — A B Corp, but with a lawyer standing behind it. Short Report — A hedge fund trash-talking a stock it's secretly betting against. Cap Table — The receipt for who owns how much of the company. Outsized Voting Rights — Own 5%, control 100% - founder magic. Shareholders' Agreement — The paperwork that saves you from finding out the hard way. Angel Investor — One rich person, one big check, one leap of faith. Credits: Hosts: Sophie Hallwright & Vic Harris 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 00:00:55 Pathfinder x The Curve 00:01:21 Sophie's Birthday & Catch-Up 00:03:10 Samsonite Buys Shay Mitchell's Beis 00:18:49 Pathfinder x The Curve 00:19:38 Selena Gomez's Wondermind Lawsuit 00:27:54 Anthropic's Trillion-Dollar IPO 00:41:32 Ethical Hotline: Investing in Space 00:48:27 Thanks for Listening! 00:49:02 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.

Over 50% of US couples go into debt paying for their wedding, and 1 in 3 regret how much they spent. So what's actually driving the cost up, and what do people wish they'd spent their money on instead? Sophie sits down with Margie Riddiford, co-founder of wedding platform Veil, to unpack the results of The Curve's own audience survey alongside global spending data from New Zealand, Australia, the UK, and the US. They get into the "wedding tax," and why spending money on preserving memories is the one investment that pays off every time. Also, don’t miss the unspoken reality of family financial contributions and the strings that can come attached. Whether you have your special day coming up or love being nosey about wedding mishaps, this episode has you covered. Check out the Weddings Survey results here … https://thecurveplatform.substack.com/p/the-true-cost-of-weddings Margie’s links … Instagram (https://www.instagram.com/margieriddiford) Massive thanks to our sponsors for this episode; VEIL Magazine and Milkbooks. 🕊️ VEIL is this gorgeous print mag all about real romance, ritual and modern matrimony - definitely worth a browse at https://www.veil-magazine.com/ 📸 Milkbooks make photo albums you'll actually want to keep forever, not just shove in a drawer, check them out at https://www.milkbooks.com/ Credits: Host: Sophie Hallwright Guest: Margie Riddiford Producer: Emily Rigby 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:⁠⁠⁠⁠ ⁠⁠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 … 00:01:03 An introduction to Margie & Veil 00:08:40 How did weddings get so expensive 00:13:36 The influence of social media 00:16:21 “The wedding tax” 00:19:20 Margie’s own wedding 00:23:03 What the community do and don’t value spending money on 00:38:55 Family contributions to weddings 00:41:45 The trade off between your wedding vs your future 00:46:09 Final thoughts 00:49:10 Thanks for listening! 00:49:38 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Congresswoman Alexandria Ocasio-Cortez is freezing her eggs and sharing every part of the process with her 6 million+ followers; the hormone injections, the bloating, the uncertainty, and it's got Soph and Emma asking what egg freezing actually costs. In this episode, we cover the real price of freezing your eggs (upfront costs plus the ongoing storage fees nobody mentions), why only 6% of women who freeze their eggs ever go on to use them, why 35-37 (not your 20s) is when most women can actually afford to do it, the booming $129 billion surrogacy industry sparked by the backlash to Cameron Diaz's third child, and why so many fertility decisions; whether to freeze eggs, use a surrogate, or have kids at all, come down to money rather than choice. Content warning: this episode contains strong language and discusses fertility struggles and reproductive health candidly. Read the full New York Times story on the global surrogacy industry in Ukraine, including how the war affected surrogate mothers: https://www.nytimes.com/2022/05/03/magazine/surrogates-ukraine.html Catch our full conversation with Deirdre from Hertility on fertility testing here: https://www.youtube.com/watch?v=Kmi_ba-58nQ 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: Hosts: Sophie Hallwright & Vic Harris Producer: Emily Rigby 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:⁠⁠⁠⁠ ⁠⁠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… 00:01:10 Generate x The Curve 00:01:29 Catching up: Edinburgh Fringe and financial confessions 00:06:57 AOC's public egg-freezing journey sparks a bigger question 00:12:37 The affordability of egg freezing 00:26:39 The real numbers 00:42:40 Generate x The Curve 00:43:18 Inside the booming surrogacy industry 01:00:00 The dating crisis, and why it changes everything 01:11:50 Thank you for listening! 01:12:30 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. 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.

Sophie and Vic get into why Alix Earle might be one of the smartest businesswomen on the internet right now, quietly building her own VC firm off the back of her TikTok reach. They put her playbook up against Alex Cooper's, whose media company Unwell just hit a $500 million valuation, and break down who's actually building the bigger empire. Plus, El Niño is compounding the global warming effects we’re already witnessing, and it's about to hit your coffee and chocolate. But first, Spotify could soon be revealing your favourite artist is secretly AI …  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/) WTF does that mean? A guide to all the jargony bits: VC (venture capital) Money invested in early-stage companies with high growth potential. Cap table The list of who owns what in a private company. Valuation What a business is worth on paper, not what's in the bank. Private equity Investment firms that buy stakes in more established companies. Return on investment What you get back compared to what you put in. Angel investing Early money from friends, family or individuals before VCs get involved. Credits: Hosts: Sophie Hallwright & Vic Harris 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 today’s episode … 00:00:55 Pathfinder x The Curve 00:01:25 Vic has betrayed us 00:10:00 Spotify’s new AI badges 00:17:16 Alix Earle’s new VC firm 00:28:11 Alex Cooper’s media empire 00:34:00 Pathfinder x The Curve 00:35:01 El niño and Global warming 00:36:15 Community Question 00:50:35 Thanks for listening 00:51:45 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.

When you look at a big financial goal, it’s easy to get overwhelmed before you even start. You know you need a buffer for when life goes wrong, and you know you want to save for the things that actually bring you joy, but staring at a massive target number can make you want to give up entirely. That’s when you need to change how you map out your money. Financial literacy powerhouse Hannah Hart (formerly Koumakis) is back on the mic, and this time she’s breaking down how to conquer short-term savings goals, build an airtight emergency fund, and find the sweet spot between protecting your present and investing in your future.  From the mindset shift of officially merging bank accounts after marriage to underestimating a home renovation budget, Hannah shares the exact strategies she uses to reverse-engineer her goals. Sophie and Hannah look at the numbers in granular detail, explaining how to split your accounts for "mini-goals" and why leaving too much cash on the sidelines can actually stall your long-term wealth. If you’ve ever felt stuck trying to balance the tension of saving for a holiday today versus growing your money for tomorrow, this episode is for you.  Don’t forget our last IOU (Side Hustler episode): https://open.spotify.com/episode/5FDI0aPG5bzbriRooqXDWG?si=W4U4J7jVS_KxQ6bMQGda5A  Hannah’s Links  Instagram (https://www.instagram.com/hannahkoumakis/)  TikTok (https://www.tiktok.com/@hannahkoumakis)  deartheseries.com  dearcommunity.co.nz  Seven Content & Dear Brides (http://sevencontentstudio.com)  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 Producer: Emily Rigby 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:⁠⁠⁠⁠ ⁠⁠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… 00:01:21 BNZ x The Curve 00:01:48 Catch-up with Hannah 00:04:59 In the red or the green? 00:08:58 The importance of emergency funds 00:17:34 Saving for short term goals 00:22:20 The 50/30/20 rule 00:28:16 Going over budget 00:31:20 Visualising your financial goals 00:35:51 Cash and Burn 00:42:25 Extra Credit 00:44:45 Thank you for listening! 00:44:59 BNZ x The Curve 00:45:22 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Soph and Emma spring off the back of Margot's Got Money Troubles to unpack what's actually going on with OnlyFans. They investigate who's really making money on the platform, how the business model works, and why the numbers are nowhere near as glamorous as the headlines suggest. They also get into the darker side of the industry: the rise of exploitative "managers" who take control of creators' earnings, and why that's happening right under the platform's nose. Plus, why OnlyFans is one of the most profitable businesses but it's almost impossible for it to go public. The real story isn't how much you can make on OnlyFans, it's who ends up keeping it. Sign up to our Substack, we’ve got even more to say topic (https://thecurveplatform.substack.com/) Check out our episode with OnlyFans creator Grace Wears Lace (https://youtu.be/e7dVWOEBl5Y?si=TKZSyUjpEQapV8Pe) If you were intrigued by the ‘Revenge of the Simps’ article (https://www.thecut.com/article/cam-girls-webcam-pimp.html) Just in case you wanted to read the peer-reviewed paper (https://link.springer.com/article/10.1007/s12119-025-10389-2) Emma’s Links Instagram (https://www.instagram.com/emmalouiseboynton) Pleasure (https://geni.us/pleasureelboynton) Sex Talks (https://www.sextalks.co.uk) Substack: (https://emmalouiseboynton.substack.com/) WTF does that mean? A guide to all the jargony bits: Operating profit What's left after running costs. Before tax takes its cut. Valuation What a business is worth on paper. Not what's in the bank. IPO When a private company sells shares to the public for the first time. External capital Outside money brought in to help a business grow. Payment processing risk The chance your bank partners get cold feet and pull out. Revenue split The cut a platform or manager takes before you see a penny. Dividends Profit paid out to owners instead of reinvested in the business. 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: Hosts: Sophie Hallwright Producer: Emily Rigby 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:⁠⁠⁠⁠ ⁠⁠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 today’s episode … 00:01:04 Generate x The Curve 00:01:02 Weekly catch up 00:05:14 Margo’s got money troubles review 00:13:20 The non-sexual side to OnlyFans 00:19:50 How much can you actually earn? 00:34:04 Generate x The Curve 00:34:41 The dark side of OnlyFans 00:44:10 Behind the business model 00:59:10 Key takeaways 01:01:20 Thanks for listening 01:02:04 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.