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What does it actually take to save £100,000 in your mid-20s without becoming a joyless hermit who never buys a coffee again? In this episode, Sophie chats with the hugely talented creator, Mia McGrath about growing up feeling “not rich enough”, turning a shopping habit into a saving habit, and why your first £100k is the hardest but the most powerful. Mia opens up about being adopted from China, how that shaped her fierce independence, and the moment she realised building her own wealth felt better than waiting for someone else to “rescue” her financially. They get into invisible wealth vs flashy flexing, the FIRE movement and creating a “work optional” life, living frugally without feeling deprived, and how to rethink splitting money in relationships without losing your power. Expect practical tips on low-buy habits, side hustles, emergency funds and compound interest, plus a healthy dose of “put the ASOS app down” energy and Sophie’s pledge to finally stop wasting money on Guinness she doesn’t even like.

Mia’s socials:

Instagram - https://www.instagram.com/miarose_mcgrath/?hl=en

TikTok - https://www.tiktok.com/@miarosemcgrath?lang=en-GB

YouTube - https://www.youtube.com/@miarosemcgrath

Substack - https://frugalchic.co.uk/

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:⁠⁠⁠⁠

(00:00:00) Welcome to Raising the Curve(00:00:37) Why Mia Set Her £100k Goal(00:02:50) Mia’s Early Money Story(00:05:08) Breaking Free from Overconsumption(00:10:47) Adoption, Identity & Independence(00:14:03) How Her Parents Shaped Her Money Habits(00:16:29) Understanding Compound Interest(00:18:05) Defining What “Rich” Really Means(00:21:18) FIRE and Becoming Work-Optional(00:23:55) Leaving Fashion for Finance(00:29:11) Hitting the £100k Milestone(00:31:39) The Real Sacrifices Behind Saving(00:34:35) For People Who Love Spending(00:36:58) The Idea of Frugal Chic(00:40:08) Small Luxuries That Still Feel Rich(00:42:13) Gratitude as a Money Tool(00:44:04) The Power of Invisible Wealth(00:46:10) Hypergamy, Dating & Splitting Bills(00:57:16) Final Thoughts(00:58:03) Thanks for Listening(00:58:28) 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.

Mia McGrath’s Frugal Chic Rules for Building Wealth.