The Curve

Today we are joined by the amazing Tegan Yorwarth - radio host, proud Māori wāhine, and lowkey money mastermind for our second instalment of The Property Podcast - in partnership with BNZ! In this conversation, we spoke to Tegan about how she bought her first house before 30 - while working in one of the most unstable industries out there. We chat about growing up with a scarcity mindset, the thrill (and trauma) of auctions, how she tricks herself into saving, and why she used to send her money to her mum to stop herself spending it (genius). Plus, we cover what it's like being a Māori woman navigating wealth-building, the pros and cons of dating a spender, and why true wealth is... sleeping in on a Monday, not buying a jet ski.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  👉 bnz.co.nz/homeloanpartners⁠⁠⁠⁠⁠.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.

This week on The Curve Weekly, we’re doing things a little differently - no edits, no cuts, just the full unfiltered conversation. From Nvidia’s mind-blowing $4 trillion milestone (yes, trillion) to Wimbledon’s £53.5 million prize pool and the financial legacy of Venus Williams, we’re unpacking all of this weeks money headlines. We’re also diving into why interest rates are pausing, what Nutella’s parent company is buying now, and how the cost of climate change is creeping up faster than you might think. If you’ve ever been curious as to what goes on behind the scenes, you’ll enjoy this one.Want to check out the Honeybloom necklaces we mention in this podcast? Here is the link!⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠For more from The Curve:⁠⁠⁠⁠⁠⁠Investing Club⁠⁠⁠⁠Website⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠Newsletter⁠⁠Disclaimer: 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.

Welcome to our New York miniseries! Soph was in the states not too long ago and was lucky enough to sit down with the incredible Caitlyn Kumi, founder of Miss Empowher, Forbes 30 Under 30 honouree, and an all-around powerhouse. Caitlyn opens up about growing up Ghanaian-American, dealing with wildly inappropriate career advice from men in suits which became the catalyst for building her now global community of confident, empowered women.They talk about the emotional side of money and how that stems into relationships, why confidence (not just credentials) can be your biggest asset, and the actual financial red flags to look out for when dating. From managing your finances to managing your mentors (yes, there’s a whole strategy), Caitlyn shares - this episode is perfect for someone looking for career + money motivation. ________________Follow Caitlyn KumiInstagram TikToc Miss Empowher Buy her book________________Want the step-by-step guide we put together with Lexus on how to actually afford a big-ticket item (like a car that makes you feel as sleek as you look)? Grab the free PDF ⁠⁠⁠here⁠⁠⁠. You're welcome in advance.________________BePure is your go-to for immune health this winter. Whether you’re already sniffling or just prepping to dodge the seasonal lurgy, check out their Immune Essentials Bundle: three hero products, delivered monthly, and 20% off exclusively for The Curve community. ⁠⁠⁠⁠⁠Grab the bundle here⁠⁠⁠⁠⁠ (discount auto-applied, no faffing required).________________WTF Does That Mean? A Guide to All the Jargony BitsMentorSomeone you go to for guidance and advice based on their own experience.CoachGives you practical, step-by-step advice and feedback to help you level up specific skills.ConnectorThe friend with the Rolodex—makes intros, links you with helpful people, and opens doors.StrategizerHelps you map out your goals and figure out the best moves to get there.SponsorA powerful advocate who champions you behind closed doors, think: putting your name forward for opportunities.Financial InfidelityWhen someone hides or lies about money matters in a relationship, like secret spending or hidden debt. Big yikes.Waist BeadsTraditional accessories worn around the waist or hips, often used in West African cultures for confidence, femininity, and body awareness.High-Yield Savings AccountA savings account that earns more interest than your basic one—perfect for building up that emergency fund.Index Fund (e.g. S&P 500)A type of investment that tracks a broad group of companies. Less risky, more chill. Great for long-term investing.Emergency FundA stash of cash (usually 3–6 months of expenses) to cover unexpected life curveballs like job loss or surprise vet bills.Personal Finance is PersonalA running theme of this ep—aka there’s no one-size-fits-all. Your money strategy should fit your life.________________⁠⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠⁠________________For more from The Curve:⁠⁠⁠⁠⁠⁠⁠⁠⁠Investing Club⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Newsletter⁠⁠⁠________________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.

Vic flies solo today, covering a wide range of money and market moments. From Jeff Bezos’s high-profile wedding (and the importance of prenups) to how women invest differently than men, there’s plenty to unpack.Vic also breaks down what an IPO is, why Figma’s filing is big news, and what it means for Adobe and the broader stock market. Plus, she touches on Australia’s new financial year and generous superannuation changes, Tesla’s slipping sales, Warren Buffett’s latest $6 million donation, and how Glastonbury might have pulled in a massive £80 million. It’s a fun, info-packed episode — no jargon, just clarity._______________________WTF Does That Mean? A Guide to All the Jargony BitsPrenup (Prenuptial Agreement): A legal contract signed before marriage that outlines how assets and finances will be handled in case of divorce.IPO (Initial Public Offering): The process where a private company offers its shares to the public for the first time.Superannuation (Super): A retirement savings scheme, especially prominent in Australia, where employers contribute to a fund on behalf of employees.Market Sentiment: The overall attitude of investors toward a particular security or the financial market as a whole.Dividend: A portion of a company's earnings paid to shareholders — not mentioned directly, but useful in investment discussions!________________⁠⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠⁠________________For more from The Curve:⁠⁠⁠⁠⁠⁠⁠⁠⁠Investing Club⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Newsletter⁠⁠⁠________________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.

In a thrilling new property series, Soph shares her incredible journey of making $122,000 in just six weeks. Listeners get insight into the tricky world of mortgage approval, especially for self-employed individuals. Personal anecdotes reveal the emotional ups and downs of buying a home. There's humor in navigating the auction process and the renovations that follow. The discussion also highlights the importance of diverse investment strategies and the power of resilience in overcoming personal hurdles.

No full episode this week—but Vic and Soph are still popping in for a quick chat (and a tiny bit of chaos). With their Investing Bootcamp launching on June 30th, the duo is deep in prep mode, so they’re keeping it light and casual in this short catch-up.Expect some very relatable investing reflections, a few laughs about workouts gone wrong, and a surprise cameo from Miso. If you've been meaning to start investing but keep putting it off, the Bootcamp is made for you. It’s everything Vic and Soph have learned, simplified and glow-up’d for beginners.________________Investing BootcampIf you’ve been meaning to finally do something with your money and build confidence with investing, join us for our ⁠investing bootcamp⁠ that kicks off on the 23rd June! You'll learn:How to split your pay and manage your moneyThe foundations of investing (without the jargon)How to actually get started - and stay consistentYou’ll get access to: Our brand new Money + Investing Course2x live sessions with VicA private community of new investorsTools + tips to grow a strong, diversified portfolio12 months access to The Investing Club⁠Click here to join⁠________________⁠⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠⁠________________For more from The Curve:⁠⁠⁠⁠⁠⁠⁠⁠⁠Investing Club⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Newsletter⁠⁠⁠________________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, Vic and Soph are jumping from investing confidence to global headlines—and back again. They kick things off with a reminder about The Curve’s beginner bootcamp (starting June 30!), perfect if you’ve been putting off learning how to invest.They also chat through the world’s first-ever dad strike in the UK, rising tensions in the Middle East and what it means for oil prices and your portfolio, AMEX’s new fee hike, Gen Z’s love of credit cards, and Nintendo’s latest boom.Plus: vintage fashion obsessions, podcast photo fails, and a few too many thoughts on thirst traps. ________________Investing BootcampIf you’ve been meaning to finally do something with your money and build confidence with investing, join us for our ⁠investing bootcamp⁠ that kicks off on the 23rd June! You'll learn:How to split your pay and manage your moneyThe foundations of investing (without the jargon)How to actually get started - and stay consistentYou’ll get access to: Our brand new Money + Investing Course2x live sessions with VicA private community of new investorsTools + tips to grow a strong, diversified portfolio12 months access to The Investing Club⁠Click here to join⁠________________Raising the Curve: 114 - Work Life Balance And Working Out What Is Important________________WTF Does That Mean? A Guide to All the Jargony BitsInvesting BootcampA four-week course by The Curve for beginners to learn personal finance and investing, including live sessions and community access.Dad StrikeA UK protest where fathers are demanding more paid parental leave—currently only two weeks are offered.Middle East TensionsOngoing conflict affecting oil supply, leading to higher prices and market volatility.Global DiversificationInvesting across different countries to reduce risk, especially during geopolitical instability.AMEX (American Express)A premium credit card company that’s recently increased its annual fees.Nintendo SurgeA major share price jump after the launch of Nintendo’s new gaming console.Vintage FashionPre-loved clothing finds—Vic shares her new appreciation for it.Thirst TrapsPhotos meant to attract attention; Soph and Vic reflect on past photo shoot moments.________________⁠⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠⁠________________For more from The Curve:⁠⁠⁠⁠⁠⁠⁠⁠⁠Investing Club⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Newsletter⁠⁠⁠________________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 heard about them, you’ve nodded politely when someone mentioned them - but do you actually know what bonds are? And more importantly, should you have them in your investment portfolio? In this episode, we break down bonds in a way that finally makes sense. You’ll learn how bonds work, who they’re for, when they make sense, and what kind of returns you can expect - plus why the word “junk” in finance isn’t as trashy as it sounds. Whether you’re saving for a house, want something a bit more chill than shares, or are just curious if bonds are the grown-up move your money needs - this ep is for you. Spoiler: you might already own bonds without even knowing it.💸 Want to know which bond funds are worth looking at? Vic’s sharing her top picks in The Curve Investing Club - become a member and get access to practical investing ideas, tools, and confidence.Click to listen to 'Should You Be Investing in Fixed Income?'Want the step-by-step guide we put together with Lexus on how to actually afford a big-ticket item (like a car that makes you feel as sleek as you look)? Grab the free PDF ⁠⁠here⁠⁠. You're welcome in advance.This episode is proudly sponsored by BePure - your go-to for immune health this winter. Whether you’re already sniffling or just prepping to dodge the seasonal lurgy, check out their Immune Essentials Bundle: three hero products, delivered monthly, and 20% off exclusively for The Curve community. ⁠⁠⁠⁠Grab the bundle here⁠⁠⁠⁠ (discount auto-applied, no faffing required).If you’ve been meaning to finally do something with your money and build confidence with investing, join us for our ⁠investing bootcamp⁠ that kicks off on the 23rd June!You'll learn:How to split your pay and manage your moneyThe foundations of investing (without the jargon)How to actually get started - and stay consistentYou’ll get access to: Our brand new Money + Investing Course2x live sessions with VicA private community of new investorsTools + tips to grow a strong, diversified portfolio12 months access to The Investing Club⁠Click here to join⁠!⁠⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠⁠⁠⁠⁠For more from The Curve:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Investing Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Newsletter⁠⁠⁠⁠⁠⁠Disclaimer: 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.

From Dublin’s cloudy charm to the bizarre world of Labubu dolls, Vic and Soph cover a lot this week. They kick off with travel debates (beach club vs. ruins), before diving into one of the most unexpected stock surges of the year - and how spotting a trend like Labubu could’ve made you 600% richer.Then it’s into something more personal: IVF and egg freezing. Soph opens up about her own experience, while Vic breaks down why the fertility industry is booming and what the Monash embryo mistake means for investing in this space.They also touch on how feedback shapes the podcast, the evolving value of interviews, and that now-infamous “girls are fighting” comment. Plus, US politicians' suspicious stock moves, mega-CEO paydays, and a quick shoutout to the incredible Emily.This one’s part chit-chat, part curveball headlines, and part financial deep-dive - with a side of egg freezing quiz in the show notes.________________If you’ve been meaning to finally do something with your money and build confidence with investing, join us for our investing bootcamp that kicks off on the 23rd June!You'll learn:How to split your pay and manage your moneyThe foundations of investing (without the jargon)How to actually get started - and stay consistentYou’ll get access to: Our brand new Money + Investing Course2x live sessions with VicA private community of new investorsTools + tips to grow a strong, diversified portfolio12 months access to The Investing ClubClick here to join!________________WTF Does That Mean? A Guide to All the Jargony Bits________________LabubuA collectible toy character designed by a Hong Kong artist, made popular through blind-box unboxing culture. It’s become a viral sensation, with some rare versions selling for thousands.Blind BoxA packaging style where the specific item inside isn’t revealed until it’s opened. Common in collectible toys and figures, often used to encourage repeat purchases.Pop MartA publicly listed Chinese company that owns and distributes Labubu and other collectible figures. It’s behind the booming success of the Labubu trend.IVF (In Vitro Fertilisation)A medical procedure used to help people conceive a child. Eggs are fertilised by sperm outside the body and then implanted into the uterus.Egg FreezingA fertility preservation method where a woman's eggs are extracted, frozen, and stored for future use.Insider TradingThe illegal practice of trading stocks or other securities based on material, non-public information—like confidential plans or upcoming announcements.SEC (Securities and Exchange Commission)A U.S. government agency that regulates the securities markets and enforces laws against market manipulation and insider trading.ETF (Exchange-Traded Fund)A type of investment fund that’s traded on stock exchanges, like a stock. It holds a collection of assets (e.g., stocks, bonds) and can track specific sectors or trends.S&P 500An index of the 500 largest publicly traded companies in the U.S., often used as a benchmark for the overall performance of the stock market.________________Egg Freezing Survey________________The Curve Investing Club Free Trial________________⁠⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠⁠________________For more from The Curve:⁠⁠⁠⁠⁠⁠⁠⁠⁠Investing Club⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Newsletter⁠⁠⁠________________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.

What’s the real cost of unpaid labour, emotional load, and being the ‘nice girl’ in a relationship? In this fiercely eye-opening episode, author Melissa Browne blows the lid off the money myths holding women back. From the dangerous mindset of “it’s not worth her going back to work” to why 7 out of 10 men manage long-term investments for control, this conversation is packed with jaw-dropping stats, empowering reframes, and financial red flags every woman needs to know. Melissa shares practical advice on retirement savings splitting, negotiating unpaid labour, protecting yourself before and during relationships, and the truth about why investing is never selfish. If you’ve ever felt uneasy talking money in your relationship, this episode will give you the clarity, tools, and confidence to change the game.👉 Want more from Melissa? She’s put together a bunch of free money goodies just for Curve listeners - head to melissabrowne.com.au/curve to check them out.Want the step-by-step guide we put together with Lexus on how to actually afford a big-ticket item (like a car that makes you feel as sleek as you look)? Grab the free PDF ⁠here⁠. You're welcome in advance.This episode is proudly sponsored by BePure - your go-to for immune health this winter. Whether you’re already sniffling or just prepping to dodge the seasonal lurgy, check out their Immune Essentials Bundle: three hero products, delivered monthly, and 20% off exclusively for The Curve community. ⁠⁠⁠Grab the bundle here⁠⁠⁠ (discount auto-applied, no faffing required).⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠⁠⁠⁠For more from The Curve:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Investing Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Newsletter⁠⁠⁠⁠⁠Disclaimer: 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.