The Curve

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟Budgeting… stay with us 😅 This month on IOU (Some Money Education), Soph and Vic drag Lucy (lovingly) into the world of budgets, aka figuring out where your money goes before it disappears like your Apple charges. You’ll learn the simple “needs, wants, surplus” split, why planning ahead is basically a money superpower, and how having a clear setup can actually reduce money stress (even if you’re allergic to checking your bank account). Plus: we introduce our newest cast member, Reese Witherspoon the piggy bank, play “spending bingo,” and read out the most unhinged “non-negotiable” splurges: think $100 candles, Sims gaming PCs, and “I bought veneers for copywriting” - yes you read that right. If you’ve ever avoided budgeting because it felt restrictive or overwhelming, this is the episode that will change your mind.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: Victoria Harris & Sophie HallwrightGuest: Lucy BlakistonProducer & Editor: Emily RigbySocial & Digital Manager: Lucy Munro⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠For more from The Curve:⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠Newsletter⁠⁠(00:00:00) Welcome to IOU (Some Money Education)!(00:00:40) Coming up in this episode…(00:01:26) BNZ x The Curve(00:01:53) In the Red or Green?(00:03:26) Is property still a good investment?(00:09:11) How Lucy budgets(00:18:56) How to craft a budget: needs, wants, surplus(00:23:19) IOU an answer(00:30:57) Cash and Burn(00:36:12) Extra Credit(00:40:58) Thank you for joining us for IOU (Some Money Education)(00:41:20) Thank you BNZ!(00:41:50) Financial DisclaimerDisclaimer: 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.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟This week we  get stuck into the rise of prediction markets: the internet’s latest obsession where people are literally putting money on future events and calling it “forecasting.” So… clever investing tool or just gambling in a blazer? 👉 CLICK HERE TO VOTE IN OUR POLL! (https://form.typeform.com/to/fQQYthvs)They also unpack why oil prices are shooting up, what that means for petrol, flights, inflation and basically everything else we spend money on, plus a surprisingly fascinating chat about loneliness as an economic trend and why solo living, solo dining and solo travel are becoming big business.Want to co-host next week’s Curve Weekly with Vic? Apply via the Curve Hotline (https://thecurveplatform.com/pages/the-curve-hotline) and tell us why you’d be a great fit (and where you’re based).Interested in working with Pete? Email us at [email protected] and we’ll put you in touch!WTF does that mean? A guide to all the jargony bits:Prediction Markets – Platforms where people put money on whether future events will happen. Think betting… but on real-world outcomes.Commodities – Raw materials like oil, gold, or wheat that are traded globally.S&P 500 – An index tracking the 500 biggest companies in the US stock market.Analyst – Someone who studies economic data and companies to predict what might happen next.Insider Trading – Using secret, non-public information to make money in markets. Very illegal.ETF (Exchange Traded Fund) – A bundle of different investments you can buy in one go.Diversification – Spreading your money across different investments to reduce risk.Inflation – When prices go up and your money buys less.Renewable Energy – Energy from sources that don’t run out, like wind or solar.Defense Stocks – Companies that make military equipment or services governments buy.Credits:Hosts: Victoria Harris & Sophie HallwrightProducer & Editor: Emily RigbySocial & Digital Manager: Lucy Munro⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠For more from The Curve:⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠Newsletter⁠⁠(00:00:00) What’s coming up this week…(00:01:12) Want to co-host The Curve Weekly?(00:03:38) Prediction markets: investing or gambling?(00:22:32) Why oil prices are suddenly surging(00:34:14) The surprising economics of loneliness(00:40:37) Questions from the Curve Community(00:44:00) Thank you for listening!(00:44:38) Financial DisclaimerDisclaimer: 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.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟Tanya Taylor’s story is the kind that makes you want to immediately check your savings account and maybe your insurance policy too. She moved from rural Jamaica to the US at 16 with just $100, built an incredible career, grew a seven-figure investment portfolio, and did everything “right” financially, only for one devastating accident to turn her world upside down. In this episode, Tanya shares how budgeting, goal-setting, and long-term investing helped her build wealth from scratch, why emergency funds matter far more than most of us think, and what she learned after being forced to start again. It’s part money masterclass, part resilience lesson, and part gentle-but-firm reminder to stop treating your emergency fund like it’s there for cheeky little treats.And if this conversation gets you thinking about protecting your income too, we mentioned our insurance episode in the chat, you can listen to that here. (https://open.spotify.com/episode/5rBV0ZoDcNFjVaLhoQAjTk?si=fe362e2a5eaf4d55)Tanya’s links:Grow Your Wealth (https://growyourwealth10x.com/)Instagram (https://www.instagram.com/growyourwealth10x/)LinkedIn (https://www.linkedin.com/in/tanya-taylor-cpa-mba-growyourwealth)Credits:Host: Sophie HallwrightGuest: Tanya TaylorProducer & Editor: Emily RigbySocial & Digital Manager: Lucy Munro⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠For more from The Curve:⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠Newsletter⁠⁠(00:00:00) Introducing Tanya’s Story(00:02:24) Growing Up in Rural Jamaica(00:05:12) A New Perspective on Wealth(00:08:05) Moving to the US with $100(00:11:06) The Money Habits That Changed Everything(00:15:09) Milestones on the Path to Wealth(00:16:26) The Day Everything Changed(00:21:11) Emergency Funds and Preparing for the Unexpected(00:29:40) Teaching the Next Generation About Money(00:36:03) Thanks for Listening(00:36:28) Financial DisclaimerDisclaimer: 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, we get stuck right into a gloriously chaotic mix of finance news and media gossip, starting with the very juicy on-air fallout that may have blown up a $200 million radio deal. They also unpack what the latest conflict in the Middle East could mean for oil prices, inflation and the stock market, give the final update in the Warner Bros-Netflix-Paramount saga, and look at whether working from home could actually help solve the fertility crisis. Plus, Berkshire Hathaway drops its first annual update without Warren Buffett at the helm, Soph celebrates her Netflix gains like she’s the Wolf of Wall Street, and we round out with a brilliant community question on starting a business that reminds us that building wealth isn’t just about what you invest in, but what you’re brave enough to start.WTF does that mean? A guide to all the jargony bits:S&P 500 – The 500 biggest companies in the US stock market.Passive Investing – Investing in funds that track the market automatically.Conglomerate – A massive company that owns lots of different businesses.Share Price – The cost of buying one slice of a company.Shareholder – Someone who owns shares in a company.Cash Reserves – Money a company keeps ready to invest later.Long-Term Investing – Holding investments for years, not days.Core–Satellite Investing – Safe investments at the centre, riskier bets on the side.Credits:Hosts: Victoria Harris & Sophie HallwrightProducer & Editor: Emily RigbySocial & Digital Manager: Lucy Munro⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠For more from The Curve:⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠Newsletter⁠⁠Disclaimer: 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.

🌟 WATCH THIS EPISODE ON YOUTUBE 🌟This episode is a bit of a hidden gem. It was recorded in New York last January and somehow ended up sitting quietly in the archives… until we recently rediscovered it and realised how good it was. Safe to say, we couldn’t keep it hidden any longer.In this conversation, Sophie sits down with Rachel Beider, founder of Press Modern Massage, (https://www.pressmodernmassage.com/) the business she built and scaled from the ground up, before going on to launch a second venture: The Canopy (https://www.thecanopynyc.com/), an indoor play space for babies and toddlers in New York. We talk about Rachel’s journey into becoming a massage therapist, the early days of building her business, the biggest challenges she faced as it grew, and the lessons she learned scaling in a competitive industry. The conversation also dives into leadership, including her approach to servant-style management, as well as the personal side of entrepreneurship: financial freedom, how she manages her personal finances, and how her priorities evolved as she moved from business owner to mother.Credits:Host: Sophie HallwrightGuest: Rachel BeiderProducer & Editor: Emily RigbySocial & Digital Manager: Lucy Munro⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠For more from The Curve:⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠Newsletter⁠⁠(00:00:00) Coming up in this episode…(00:03:09) How Rachel became a massage therapist (and the unexpected path into business)(00:10:44) The key milestones in building her business(00:12:47) The biggest challenges she faced as a founder(00:19:08) What it took to scale to a million-dollar business(00:20:53) The leadership style that shaped her company culture(00:25:57) Advice for starting a business in a competitive industry(00:28:20) The upside of entrepreneurship and financial freedom(00:32:05) How Rachel approaches her personal finances(00:34:48) Navigating the shift from business owner to mother(00:37:16) Thank you for listening!(00:37:41) Financial disclaimerDisclaimer: 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.