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The Curve

Meet The Founder: Sophie's Full Money Story.

17 Jun 2026

Transcription

Transcript generated automatically by AI and may contain errors.

Chapter 1: What is the main topic discussed in this episode?

0.031 - 12.716 Sophie Hallwright

I still think I definitely identify as being bad with money. For me, a lot of it, I think, was always wanting to keep up with the people around me. And I actually have a lot of memories of stealing as a kid. I don't know where that's come from or why.

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12.736 - 16.183 Michael Hallwright

So this is a story about my daughter, Sophie, who I dearly love.

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16.4 - 34.122 Sophie Hallwright

he scripted this it was like i'd opened the floodgates and i just kept going and i stopped saving the receipts and i kind of just like went into this weird black hole and was just like spending spending it was an obscene amount of money i mean i can't even explain the amount of trouble i was in sophie has acquired something this year this is super exciting

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Chapter 2: What is Sophie's unique relationship with money?

34.102 - 63.113 Emily Rigby

stop it I'm so scared of where you're going boyfriend oh my god where have you sort of landed now in terms of especially navigating money inside a relationship you are gonna die at the answer to this question I actually had never said this before on the podcast or actually anywhere and I'm like quite embarrassed to admit this can I just say that this is gonna make an amazing trailer seriously keep going

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65.81 - 68.553

Sophie Hall, right? Welcome to the Curve Podcast.

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Chapter 3: How did a childhood incident shape Sophie's money mindset?

68.573 - 88.774 Sophie Hallwright

Thank you so much for joining us today. Guys, I've heard so much about your podcast. Yeah? Yeah, I've heard so much. I just love that you talk about finance and investing in a way that makes sense to me. Sorry, I have to break the third ball and tell everyone what's going on. So before we started this record, Emily, quite rightly, gave us all a, now, no one is allowed to talk over each other.

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88.794 - 92.437 Sophie Hallwright

We want no ums. We want no ha-has. You know, there's nothing.

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Chapter 4: What impact did the Christchurch earthquake have on Sophie's finances?

92.497 - 98.28 Sophie Hallwright

Otherwise, it's going to be a nightmare to edit. And as I was just talking, You guys, you have to do a video on this. You're both going.

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Chapter 5: How did competitive gymnastics influence Sophie's financial habits?

100.387 - 129.769

just nodding like practicing great work everyone so this podcast is going to be all about you and we're going to do another one with Vic as well and this is going to be a kind of meet the founders get to know you because we've had a lot of new listeners recently who might not know your money story how you grew up around money and I feel like actually for a lot of the listeners who've been listening for a long time we've kind of heard it all in dribs and drabs so in this episode we want to go through everything in granular detail starting from the very beginning so

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129.749 - 136.667

So for anybody that is just tuning in for the first time, can you introduce who you are, what your role at The Curve is and how The Curve actually started?

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136.687 - 145.533 Sophie Hallwright

Oh my bloody hell. Okay, my name's Sophie Jane Hall-Rage. The curve started in, gosh, it must have been 2020.

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Chapter 6: What lessons did Sophie learn from her experience in Italy?

145.753 - 158.186 Sophie Hallwright

It was pre-pandemic actually. I had just returned from Mexico. So I was traveling with one of my best friends. We were kind of doing almost mini docos as we traveled.

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Chapter 7: How did Sophie transition from financial chaos to stability?

158.226 - 176.367 Sophie Hallwright

We were filming and editing and finding interesting people to talk to. And I just wanted to be better at editing and shooting. I found I loved it, but I didn't feel like I'd ever had the chance to do it properly because I'd always been in like quite intense producing roles. So this was, I quit my job in Sydney and I booked all my ticket to Mexico.

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Chapter 8: How is Sophie navigating finances in her current relationship?

176.488 - 196.982 Sophie Hallwright

When the pandemic started happening, I mean, my parents were panicking. Get your ass home right now. You're going to be locked out of New Zealand. Remember they were talking about closing the borders. It was this whole drama. Anyway, went home and found myself really unsure what to do for work because I'd purposely taken this big time off.

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196.962 - 212.049 Sophie Hallwright

I really wanted to invest in my shooting and editing skills, but I was in Auckland in New Zealand, didn't really know what I was doing. So I started freelancing. That's actually where I met Lucy. Full circle. So I basically was doing videography and photography for weddings.

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212.189 - 227.931 Sophie Hallwright

I worked for an art, like an art gallery, art house, which is where Lucy worked, creating little videos, whether for socials or whatever promotional material. And it was fun, but I was sort of bobbing around lots of different clients. And then this whole idea of the curve had been there.

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228.552 - 243.948 Sophie Hallwright

something Vic and I had talked, you know, it was, it came up for like a couple of years and we would speak about it as a sort of fictional thing. It wasn't called the curve or anything. It was more just the idea that probably from about the age of 27, I'd heard about this idea of investing.

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243.968 - 262.948 Sophie Hallwright

I think a friend actually had mentioned the rich dad, poor dad, which was like the iconic OG investing book. And we had made this pact about starting an investing club, but then it never happened because we didn't know what we were doing. And yeah, and so then when I got this tax back, which I've spoken about a lot on the podcast before, this is when Vic and I both lived in Sydney.

262.988 - 282.387 Sophie Hallwright

So this was pre-Mexico. I had this money come back into my account and I all of a sudden really wanted to sort my SHIT out because I just was constantly really frivolous with like what I was spending money on. I was living either like extreme, you know, shouting everyone drinks, living way outside of my means or the total opposite.

282.367 - 301.45 Sophie Hallwright

And we can get to kind of what happened with that later in the conversation. But Vic left one of her funds management jobs and she had three weeks between that and starting a new role where she would be managing money and working in the industry. And she called me and I was – I'd moved myself to Mount Maunganui, which is this little quiet beach town in New Zealand.

301.951 - 316.772 Sophie Hallwright

I think I was sort of missing Mexico, kind of wanting to pretend I still lived in Mexico, so moved to the beach. Didn't really think through the whole like any client is going to want me to be shooting. The whole thing was a total shambles. Wasn't earning very much money. Wasn't really sure what I was doing.

317.052 - 332.876 Sophie Hallwright

Actually got offered a job at my old company before I'd moved overseas to Sydney and stuff. I worked for MediaWorks producing a briefer show. It was like my first ever job for anyone in New Zealand. It was like – JJ, Mike and Dom a million years ago on The Edge Breakfast.

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