Épisodes

  • What nobody tells you about buying a house at auction

    What nobody tells you about buying a house at auction
    Oct 29 2026
    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.
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    47 min
  • The Weekly: Shopped at ASOS? Your data could be out there & Victoria’s Secret’s comeback

    The Weekly: Shopped at ASOS? Your data could be out there & Victoria’s Secret’s comeback
    Oct 27 2026
    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.
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    50 min
  • The Weekly: Why Netflix’s shares fell & EssilorLuxottica's best day since 2008

    The Weekly: Why Netflix’s shares fell & EssilorLuxottica's best day since 2008
    Oct 25 2026
    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 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.
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    38 min
  • Vic said no to Goldman Sachs and ended up making $400k by 26

    Vic said no to Goldman Sachs and ended up making $400k by 26
    Oct 22 2026
    Part two of Meet the Founders. After Soph shared her money story, the requests for Vic's kept coming, so we sat her down for the full version. Vic takes us from selling her sister's clothes on Trade Me as a kid to choosing a South America trip over a job offer at Goldman Sachs, then starting out answering phones at Milford Asset Management. She shares the employee share offer she nearly turned down and what it grew into, what she learned as one of the only women in the room, and how her salary went from $45k to over $400k. Then it's on to The Curve. She talks about the friends who wouldn't stop telling her to start it, what raising money from investors was really like, her lowest point with money, and why she launched The Curve Investments. She also answers your community questions and gives her advice for anyone on the edge of a big decision. 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. Credits: Hosts: Sophie Hallwright & Victoria Harris Producer: Kate Callaghan 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:⁠⁠⁠⁠ ⁠⁠⁠⁠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 epsiode ... 00:01:02 Intro 00:04:02 Vic's relationship with money growin up 00:09:05 Turning down Goldman Sachs 00:14:55 Working as a woman in finance 00:30:00 Building The Curve 00:37:30 Your questions 00:45:30 Final advice 00:48:59 Thanks for listening! 00:49:19 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.
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    50 min
  • The Weekly: Bumble's Reverse IPO, LVMH’s Plummeting Shares, & Is a Chanel Bag a Good Investment?

    The Weekly: Bumble's Reverse IPO, LVMH’s Plummeting Shares, & Is a Chanel Bag a Good Investment?
    Oct 20 2026
    Bumble was once worth US$14 billion. Now it’s being bought for US$1.3 billion and taken private, and the app built on women going first will be run by two men. Soph and Emma get into what went wrong, what happens to your shares when a company leaves the stock market, and why LVMH shares are down around 40% while Uniqlo keeps breaking records. Plus, is a Chanel bag ever really an investment? 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 … 00:01:05 Generate x The Curve 00:01:22 Are we Karen’s now? 00:05:49 The Bumble Stumble 00:30:18 Generate x The Curve 00:30:54 Is Luxury dead? 00:47:52 Thanks for listening! 00:48:11 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.
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    48 min
  • The Weekly: AMD’s $1tn month, Warner Bros CEO drama & The Curve Fund is now on Sharesies

    The Weekly: AMD’s $1tn month, Warner Bros CEO drama & The Curve Fund is now on Sharesies
    Oct 18 2026
    Vic is officially back in New Zealand with big news: The Curve Fund is now live on Sharesies. She explains why September is so often a rough month for markets, the best analogy you’ll hear all year for how AMD became a trillion-dollar company without making a single chip, and why the company everyone should be watching isn’t Nvidia. Plus, how Warner Bros.’ CEO walked away with US$606 million after losing his job, and why stock options are worth asking about next time you negotiate your pay. Can’t get your head around bonds? https://youtu.be/BVhMzrp9jo0?si=IJF7VYP2PyZjwGGH How to ride the peptide wave … https://youtu.be/cKoNDrtjp_U?si=fIOe6BzImsgkDSO7 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 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 this episode … 00:00:45 Pathfinder x The Curve 00:01:10 Vic’s back in NZ 00:08:35 The Fund announcement you’ve been waiting for!! 00:11:31 How to understand fund results 00:14:59 What’s the fund investing in 00:24:24 Pathfinder x The Curve 00:24:58 The $600m payout 00:36:15 Thanks for listening! 00:36:36 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.
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    37 min
  • If he buys you a lab-grown ring, does he still love you?

    If he buys you a lab-grown ring, does he still love you?
    Oct 15 2026
    Today we're talking lab grown versus natural diamonds, and by the end of it, neither of us landed exactly where we thought we would. Sophie sits down with Martha (@martha.stewish) to unpack where diamonds actually come from, why the cut matters more than the size, and how a 90-year-old marketing campaign convinced generations of women that a natural diamond equals real love. We get into resale value, the celebrity engagement rings we assumed were natural, and why some of the richest people you know are quietly choosing lab grown. Full community data in this week's Substack! https://thecurveplatform.substack.com/ This episode is proudly supported by Michael Hill. We've teamed up to give one of you a diamond tennis bracelet, details on Instagram! https://www.instagram.com/thecurveplatform/?hl=en Credits: Hosts: Sophie Hallwright & Victoria Harris Producer: Kate Callaghan Editor: Emilly 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:⁠⁠⁠⁠ ⁠⁠⁠⁠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 … 00:00:50 Michael Hill x The Curve 00:01:49 Soph and Martha’s initial thoughts 00:04:08 The history of diamonds 00:07:00 How the sausage is made 00:10:15 What gives a diamond value 00:18:23 Who's behind it all? 00:21:50 How much should you spend on a ring? 00:33:09 Diamonds as an investment 00:39:06 Michael Hill x The Curve 00:39:59 Celebrity engagement rings 00:44:53 Engagement rings generally 01:00:00 Thanks for listening! 01:00:43 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.
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    1 h et 1 min
  • The Weekly: Sydney Sweeney’s Prediction Market and the Generation Beauty Forgot

    The Weekly: Sydney Sweeney’s Prediction Market and the Generation Beauty Forgot
    Oct 13 2026
    Emma Louise Boynton is back, filling in for Vic. Sydney Sweeney’s “just sports” ad caused a stir, but the bigger story is that she’s an investor in Novig, the prediction market now reportedly worth $2 billion. Soph breaks down how prediction markets work and whether they’re anything more than sports betting. Then Emma brings the story of Sarah Creal, the Victoria Beckham Beauty co-founder who’s just launched a brand in the UK for women over 40, the generation with the most money to spend and the fewest products made for them. Check out Emma’s book! https://geni.us/pleasureelboynton 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: Emma-Louise Boynton 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 this episode … 00:01:16 Generate x The Curve 00:01:30 Catch up 00:06:48 Sydney Sweeney is shaking up the prediction markets 00:24:13 Generate x The Curve 00:24:50 Discover this forgotten market 00:46:30 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.k
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    47 min