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.

Vic is officially back in the studio after a month-long hibernation in New Zealand! Reunited with Soph, the dream team unpack how the cost of living crisis is rewiring the dating scene. Who should pay when the average date costs $189?  Alongside navigating the wild world of modern romance, the girls celebrate the official launch of The Curve Fund, break down whether Jeff Bezos selling $4 billion in Amazon stock is actually a massive red flag, discuss Reformation's iconic NYSE debut where fashion met finance, and take a quick look at SpaceX’s post-IPO reality check. Tune in for a punchy mix of finance, fashion, and real-talk on navigating love and money. We are so proud to have created a fund that has been designed essentially by you - The Curve Community. To find out more visit https://thecurveinvestments.co.nz/ The botox episode: https://youtu.be/FPGWvf0ef9o?si=PxHB8N_Y8ToNsL6r The botox Substack piece: https://substack.com/home/post/p-209764001 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: 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 the episode… 00:01:13 Pathfinder x The Curve 00:01:38 Vic's back! 00:07:26 Jeff Bezos sells $4bn of Amazon stock 00:12:50 Reformation lists on the NYSE 00:24:13 Pathfinder x The Curve 00:24:58 Is money changing how we date? 00:38:56 SpaceX comes back down to earth 00:42:50 Community question 00:45:55 Thank you for listening!! 00:46:33 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.

Hannah Mayfield swapped a career in fashion for financial coaching, and now teaches thousands of people how to build real financial freedom, not just save for the sake of it. In this episode, she and Sophie talk about why there's no single "right" way to manage your money, and how to invest ethically without it becoming all-consuming. They also unpack the "singles tax," the invisible financial gap women face after having kids, and why the healthiest relationship with money might be a fluid one rather than a rigid, rule-bound one. If you've ever felt like money is something to survive rather than something that buys you options, this conversation might just change that. Hannah’s links … Website (https://www.whatiswealth.io/) Instagram (https://www.instagram.com/hannahwhatiswealth/) LinkedIn (https://www.instagram.com/hannahwhatiswealth/) Credits: Hosts: Sophie Hallwright Editor: Kate Callaghan Producer: 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 Coming up in this episode … 00:01:05 Hannah’s money journey 00:07:54 The UK property market 00:16:19 Analysing your attitude towards money 00:21:05 Demystifying ethical investing 00:29:26 Quickfire Questions 00:43:53 Thanks for listening 00:45:03 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.

This week, Sophie and Emma finally have the conversation they've been avoiding for months (maybe years): what beauty spending actually costs women over a lifetime, and whether skipping it is a luxury anyone can afford. They get very honest about what they've personally spent on Botox, filler and laser, then run the numbers on what that money could be worth if invested instead. Plus they unpack why workplace ageism means looking young isn't just about vanity, and whether the "transparency era" of plastic surgery is helping women or just normalising more of it. At some point it stops being about beauty and starts being about tradeoffs; this episode just puts numbers on them. Sign up to our Substack, Soph's Botox confession is coming (https://thecurveplatform.substack.com/) Denise Richards' facelift recovery in Allure, warning, it's pretty graphic (https://www.allure.com/story/denise-richards-facelift-before-and-after) Emma’s Links Pleasure: https://geni.us/pleasureelboynton Sex Talks: https://www.sextalks.co.uk/ Instagram: / emmalouiseboynton (https://www.youtube.com/redirect?event=video_description&redir_token=QUM4Zm9rUkdXbE1pSV9FeUVqOTBqNEVXaUNkTXxBR3JiS2Fsa0k3aW1xSS1vTjlXajhSV2JKck82cjNlWmNwZDFjUTYyb2lrazZJeE9vMS1pV241eHpldzdhT09SVDZmeVRmcDVNd1h3S3YxZnJpOEhfUlhhSTc5X3RRNHFUVGU3&q=https%3A%2F%2Fwww.instagram.com%2Femmalouiseboynton&v=GF8IJCxAEgs) Substack: https://emmalouiseboynton.substack.com WTF does that mean? A guide to all the jargony bits: Compound interest Money making money, then that money making money too. Opportunity cost What you gave up by spending it on your face instead. ROI Return on investment, or "was it worth it" with a number attached. Motherhood penalty The pay cut nobody signs up for but most mums get anyway. Economic inactivity rate The percentage of people not working and not looking for it either. 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 Guest: Emma Louise-Boynton Editor: Kate Callaghan Producer: 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 Coming up in this episode … 00:01:20 The Curve x Generate 00:01:50 In the red or the green? 00:05:44 The pressure of beauty standards 00:18:22 How much Soph and Emma have spent 00:26:35 Is transparency helping us? 00:34:29 The financial cost of procedures 00:48:43 The Curve x Generate 00:49:29 The professional cost of staying natural 01:03:06 Thanks for listening! 01:05:01 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. 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.

Would you take a guaranteed 50k or flip a coin for a shot at 1 million? A new YouGov poll reveals a huge gender gap in who's willing to take the risk, and Sophie and Abi discuss whether it's really about risk appetite, or just financial education. Then: why billionaires are buying up land in New Zealand, and how a Kiwi rocket company just spent $8 billion trying to take on Elon Musk. Plus, an AI model "hacked its way out" of a locked test environment (yes, it's as creepy as it sounds), why Apple just became the world's most valuable company while the rest of the Magnificent 7 wobble, and how Dior single-handedly propped up LVMH's entire luxury empire. And in this week's listener question, Abi breaks down the UK's triple lock pension, and why she thinks it's quietly unsustainable. We are so proud to have created a fund that has been designed essentially by you - The Curve Community. To find out more visit https://thecurveinvestments.co.nz/ 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/) Abi’s Links ⁠The Money Manual Book⁠: https://www.penguin.co.uk/books/46857... ⁠Instagram⁠: https://www.instagram.com/abigailrosefoster/ ⁠TikTok: https://www.tiktok.com/@abigailrosefoster ⁠YouTube: https://www.youtube.com/channel/UCmvbS2HZTs72pst13nBEmJw/videos Substack: https://elent.substack.com/ WTF does that mean? A guide to all the jargony bits: Expected value - Maths' posh way of saying "just flip the coin." Loss aversion - Why losing £20 hurts more than finding £20 feels good. Golden visa - Buy a big enough house, get a passport thrown in. Magnificent 7 - The 7 US tech giants worth more than whole countries. Sandbox testing - Letting an AI loose in a locked playpen to see what it breaks. Circular financing - Mates' companies paying each other and calling it growth. Triple lock - The state pension's built-in "always go up" button. Double lock - Triple lock's cheaper, less generous sibling. State pension - The government's weekly hand-me-down, currently ~£241. Workplace pension - The pot you and your employer actually build up. Universal Credit - The state pension's cousin, minus the good PR. Inflation eroding savings - Same money, shrinking spending power. Credits: Host: Sophie Hallwright Guest: Abi Foster 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… 00:01:14 Pathfinder x The Curve 00:01:43 It's official: The Curve Fund has launched! 00:03:35 In the red or green? 00:04:11 Would you flip a coin for 1 million? 00:12:34 Why billionaires are buying up New Zealand 00:21:54 Pathfinder x The Curve 00:22:35 The AI model that hacked its way out 00:29:14 How Dior single-handedly saved LVMH 00:34:42 Your question: is the triple lock pension sustainable? 00:41:50 Thanks for listening! 00:42:27 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 secret's finally out: The Curve Investments is FINALLY here. If you've been with us since the dusty, windowless studio days, this is the moment we've been building towards since episode one. If you're new here, welcome, you've picked a big week to join. In this episode, we sit down to unpack the biggest announcement The Curve has ever made: why it's taken years (and a lot of behind-the-scenes tears) to get here, what it actually means to invest alongside us, and why Vic left a career in funds management only to walk straight back into it, this time, on her own terms. Expect honesty about the hard bits plus all the detail on how the fund works, who it's for, and just how little you need to get started. This one's a big deal. Get comfy. We are so proud to have created a fund that has been designed essentially by you - The Curve Community. To find out more visit https://thecurveinvestments.co.nz/ ‘Why now is never the right time to invest.’ : https://youtu.be/mt6Q4-wRvIY?si=9ULFhcl4yjcrP424 Credits: Hosts: Victoria Harris & 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 The announcement we've been sitting on 00:01:05 Fund vs fund manager: what's the difference? 00:07:53 Why Vic wanted a different route 00:13:12 Recording our very first episode 00:15:42 Raising capital + the investing club 00:25:09 How the fund actually works 00:35:05 Who can invest? 00:36:10 What the fund will invest in 00:39:16 Fund investing vs DIY investing 00:40:56 How Vic's feeling about it 00:49:06 Thank you for listening! 00:49:33 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. The Curve Investments Limited is the Manager and Issuer of The Curve Fund. Product Disclosure Statements are available at thecurveinvestments.co.nz.

Family disputes over wills and inheritance have risen by almost 130% in the last decade. We break down exactly why; from rising dementia rates to blended families and second marriages, to house price booms leaving families with tax bills they can't afford, and share practical ways to protect your family from becoming one of these statistics. Plus, is the Cartier Love bracelet the new Birkin? We look at whether it's actually a smart investment or just expensive peer pressure, and how the pre-owned Birkin market has returned 92% in a decade. And finally, the India exam scandal: how wealthy families have been paying $50,000 to buy medical exam papers in advance, and what it says about the widening wealth divide. WTF does that mean? A guide to all the jargony bits: Luxfluencer — Influencer, but only handbags and jewellery. Emerging market — Fast-growing economy, not quite superpower yet. GDP — The scoreboard for how much a country produces. Wealth tax — Tax on what you own, not what you earn. Still just talk. Probate — The legal admin after someone dies. Inheritance tax — The bill after death, with a tight deadline. Expression of wishes form — The pension form you filled in once and forgot. Power of attorney — Who legally decides for you if you can't. Abi’s Links ⁠The Money Manual Book⁠: https://www.penguin.co.uk/books/46857... ⁠Instagram⁠: https://www.instagram.com/abigailrosefoster/ ⁠TikTok: https://www.tiktok.com/@abigailrosefoster ⁠YouTube: https://www.youtube.com/channel/UCmvbS2HZTs72pst13nBEmJw/videos Substack: https://elent.substack.com/ 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 Guest: Abi Foster Producer & Editor: 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 the episode 00:01:12 Generate x The Curve 00:01:30 Red or green week? 00:05:59 Is Cartier the new Birkin? 00:14:52 Generate x The Curve 00:15:54 The exam scandal rocking India 00:24:23 Why families are suing each other over wills 00:37:34 Thank you for listening 00:38:12 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. 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.

A Chinese startup called Moonshot AI has released Kimi K3 - the world's largest open source AI model, and it's already rivaling the AI tools we all use every single day. It's cheaper, it's fast, and it's backed by the Chinese government. So why is this making investors panic? In today's episode we break down what Kimi K3 actually is, why "open source" AI could mean the end of paying for ChatGPT and Claude subscriptions and whether this is the moment the AI bubble finally pops Plus: the UK's political chaos and why the stock market has become impossible to invest in, the oil price spike driving up your grocery bill, and a Curve Hotline question from a listener on maternity leave asking how to keep investing on a reduced income. 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: Kimi K3 — Free, open-source Chinese AI model now rivalling Claude/ChatGPT. AI bubble — Fear that AI stock prices are overhyped and could crash. ETF — A bundle of many stocks in one investment — easy diversification. FTSE 100 — UK's top 100 listed companies (our S&P 500). Fiscal headroom — The gap between what govt earns vs. spends. 3 govt levers to close that gap: print money (→ inflation), raise taxes (VAT, National Insurance, GST), or borrow via bonds. Brent Crude — Global benchmark oil price. Credits: Hosts: Victoria Harris & Sophie Hallwright Editor: Kate Callaghan Producer: Emily Rigby 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… 00:01:16 Pathfinder x The Curve 00:01:46 We’re British Podcast Awards finalists! 00:02:48 Abi and Soph’s weeks 00:04:56 Kimi K3 and What It Means for Your Portfolio 00:16:00 Pathfinder x The Curve 00:16:49 UK political instability knock-on effects 00:30:04 Oil prices jump again 00:33:42 The Curve Hotline 00:38:16 Thank you for listening! 00:39:58 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.

Pete has spent 10 years in the property game, helping people build their wealth, including Sophie! In this episode, they team up to unpack the crucial things most buyers quietly ignore: why your life partner is actually your most critical financial asset, the dangerous psychology behind property auctions, and why understanding the difference between a home and an investment property can help you make better financial decisions. If you're buying with a partner, considering your next property move, or just want to know how to spot a red flag before it costs you $40,000, this one is worth your full attention. Pete’s links: Instagram (https://www.instagram.com/peterwestproperty) Website (https://www.westpropertycoaching.co.nz/) 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: http://bnz.co.nz/home-loan-partners-apple-ep15 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: 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/) 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.