The Curve

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Vic’s dealing with a family emergency, so today it’s a short solo update from Soph today, sharing an honest money moment she didn’t expect to be talking about - having to borrow from family after a run of unexpected costs, and why it matters more than we realise when we compare our financial “progress” to other people’s.

You’ll also hear a first listen to IOU, our new monthly money-education podcast (plus a practical course) dropping mid-Feb, built to help you get the basics sorted without jargon or judgement.

Want to be the first to know when IOU launches? Sign up to the newsletter here: (https://thecurveplatform.com/pages/sign-up-to-the-curve-weekly)

We’ll be back on Monday with The Curve Weekly and a very special guest, Abi Foster (@abigailrosefoster) See you then!!

Listen to the Eliza Filby ep here: https://youtu.be/PC3IfHIDB9o?si=jFUHJ_7XvCCiuepu

Credits:
Hosts: Victoria Harris & Sophie Hallwright
Producer & Editor: Emily Rigby
Social & Digital Manager: Lucy Munro

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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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Before we get into the absolute avalanche of finance and investing news, Soph cracks open a margarita for moral support and the girls have a quick catch-up on nerves, public speaking and… boyfriends. Then it’s straight into the investing news: are billionaires selling shares actually a market crash warning, or just rich people doing rich people things? They break down Buffett’s cash pile, founder stock sales, and the ethics of investing in companies whose leaders are getting a bit too cosy with politics. Plus: the Australian Open pay dispute, China’s record trade surplus and what it could mean for global trade, and a quick check-in on luxury stocks. We also introduce our new “techspert” segment with Nat, explaining the tech behind major events and why AI research (especially China’s) is a bigger deal than most people realise. And to finish: Elon Musk suing OpenAI and Microsoft for $134B, and Soho House’s latest financial wobble.

Watch our previous episode with Natalie Piucco: https://youtu.be/kQ3dKKSFbWI?si=mHObEuOvfYK6JlGc

WTF does that mean? A guide to all the jargony bits:
Founder Stock Sale – A founder cashing out some shares. Not necessarily drama.
Market Crash – Shares drop hard, everyone screams.
Trade Surplus – Country sells more than it buys.
Trade Deficit – Country buys more than it sells.
Tariffs – Extra tax on imports. Price goes up.
Ethical Investing – Investing, but with a conscience.
Revenue Share – Who gets what cut of the money.
Prize Pool – Total winnings up for grabs.
AI Research – The nerdy work that powers AI.
Not-For-Profit – Made for the mission, not profit.
For-Profit – Made to make money (and returns).
Going Private – Company leaves the stock market spotlight.

Credits:
Hosts: Victoria Harris & Sophie Hallwright
Producer & Editor: Emily Rigby
Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠
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(00:00:00) Coming up in this episode...(00:01:49) Boyfriend catch-up + margaritas(00:08:14) Billionaires selling: should we worry?(00:20:19) Australian Open pay dispute(00:28:31) Our BRAND NEW series: IOU(00:31:15) China’s record trade surplus(00:46:16) Techspert Nat: AI + event tech(00:50:20) Elon sues OpenAI(00:54:32) Soho House update(00:57:47) Wrapping up(00:58:24) Thank you for listening!(00:59:00) 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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Mortgage rate changes can bring new considerations for homeowners. In this episode, Vic shares her experience from 2023, when her mortgage rate nearly tripled, offering a real-world example many homeowners can relate to. In this episode, we break down what actually happened, why rate changes can feel challenging, and what history shows us about mortgage cycles so you’re better prepared for future changes. You’ll come away with five practical, actionable steps to take if you’re feeling mortgage stress right now, including how to assess your numbers, when to speak to your bank, where to find flexibility, and who can help you explore better options. This episode is designed to help you feel calmer, more informed, and more in control of your mortgage - even when interest rates are moving fast.

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.

BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply.

Credits:
Hosts: Victoria Harris & Sophie Hallwright
Producer & Editor: Emily Rigby
Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠
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⁠TikTok⁠⁠⁠⁠⁠
⁠Newsletter⁠⁠

(00:00:00) Coming up in this episode...(00:01:31) BNZ x The Curve(00:02:31) Vic’s mortgage story(00:28:04) A history of mortgage rates(00:42:22) Steps to take if you feel overwhelmed(00:51:51) Thank you BNZ!(00:53:26) 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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Money chats are awkward enough… but money you didn’t earn? That’s next-level uncomfortable.
In this episode, Soph sits down with Dr Eliza Filby, author of Inheritocracy, to unpack the Bank of Mum & Dad and how it’s quietly reshaping everything from the housing market to our friendship groups. We dig into why “inheritocracy” makes people squirm, how Eliza defines it (starting with her own story), and the less obvious privileges that come with family support: free rent, childcare, career safety nets, and the ability to take risks without everything collapsing. We also talk about why you can’t always spot who has family money, what a financial backstop does to your choices, when help can become too much (strings, guilt, and guardrails), plus Eliza’s take on raising resilient kids, what Gen Alpha is up against, why entrepreneurship is the new rock’n’roll, and her best advice for building financial independence, whatever your starting line.
Eliza’s book: Inheritocracy: It’s Time to Talk About the Bank of Mum and Dad (https://www.penguin.co.uk/books/476298/inheritocracy-by-filby-eliza/9780753561904)

Credits:
Hosts: Victoria Harris & Sophie Hallwright
Producer & Editor: Emily Rigby
Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠
⁠⁠Investing Club⁠⁠
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⁠YouTube⁠⁠⁠⁠⁠
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⁠Newsletter⁠⁠

(00:00:00) Episode preview(00:00:56) Meet Dr Eliza Filby(00:01:35) Why “inheritocracy” makes everyone squirm(00:05:53) Eliza’s story + what “inheritocracy” actually means(00:12:05) The quiet perks: childcare, free rent, safety nets(00:15:00) You can’t always “tell” who has family money(00:17:51) The power of a financial backstop(00:23:19) When help becomes harmful: money, guilt, and guardrails(00:26:51) Parenting with privilege (and how to not spoil them)(00:29:09) Gen Alpha’s future: resilience in a chaotic world(00:30:44) Why entrepreneurship is the new rock star dream(00:34:18) Eliza’s advice for building financial independence(00:39:27) Thank you for listening to Raising The Curve!(00:39:52) 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.

You’ve been asking for it… our annual predictions episode is FINALLY HERE! We’re revisiting the calls we made for 2025, including one that genuinely made us feel like stock market geniuses, and a few that should’ve come with a “do not quote us” disclaimer. Then we roll straight into our 2026 predictions: what we think the markets are in for, whether Bitcoin’s about to have its main character moment, which big names could IPO, and the one theme we think might quietly run the whole year 👀
Also: Sophie records pantless, Vic has a travel meltdown that turns into an emergency fund masterclass, and Japan apparently has a… bear problem??
Now it’s your turn, do you think markets will be up or down by the end of 2026? Leave a comment, DM us your predictions, or send a voice note to The Curve Hotline! (https://thecurveplatform.com/pages/the-curve-hotline)

WTF does that mean? A guide to all the jargony bits:
S&P 500 – The 500 biggest US companies. The main US stock market vibe check.
FTSE 100 – The 100 biggest companies in the UK stock market (pronounced “Footsie”).
Bull Market – Stock market going up. Everyone feels like a genius.
Bear Market – Stock market going down. Everyone pretends they “invest long-term anyway.”
Volatile – Prices jumping up and down like they’ve had 6 coffees.
Market Correction – A decent dip after a big rise. The market’s little reset.
IPO – When a company joins the stock market for the first time. Its public debut.
Emergency Fund – Money set aside for life’s chaos (aka Vic at Heathrow).

Credits:
Hosts: Victoria Harris & Sophie Hallwright
Producer & Editor: Emily Rigby
Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠
⁠⁠Investing Club⁠⁠
⁠⁠Website⁠⁠
⁠⁠Instagram⁠⁠⁠⁠⁠
⁠YouTube⁠⁠⁠⁠⁠
⁠TikTok⁠⁠⁠⁠⁠
⁠Newsletter⁠⁠

(00:00:00) Welcome back!!(00:00:36) Quick catch up(00:09:21) Re-visitng our predictions for 2025(00:25:53) Making predictions for 2026...(00:36:31) Thank you for listening to The Curve Weekly!(00:37:08) 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.